23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A family member got a hold of my debit card, then used it to make fraudulent deposits and turn around and take the money out. I live in one county of XXXX and my card was used in another county in XXXX. I made police reports in both counties. Where I live for theft of my card from my home and the other for the fraud. I called the bank immediately and gave them this info on several occasions. I was told on a couple occasions that they did not have this info ( again after giving info on several occasions ), I was told that the dispute had been closed and when I mentioned that the detective in charge of the investigation has even gotten the run around from them and that he was submitting a subpoena then I got people that were nicer but, still did not help me. Was told on several occasions that I would get a call back from the investigator and never got a call back. After about 6-7 weeks of trying to get ahold of the investigator on my dispute, I have been told that they received the subpoena and that this is now in the hands of the legal dept but, there is no number that they could give me to call and speak to this XXXX in the legal dept. The investigator is going to reach out and I should supposedly get a call back in 24-48 hours but, I won't hold my breath because they have told me this about 20 times already and I NEVER get a call back. This bank is ridiculous. Legally stealing from hard working people. They may do it legally but, it is still stealing. I know that they owe tons of money for some XXXX  XXXX, doesn't give them the right to take my money. If they would have even done the slightest of investigating and spoke to the XXXX Police, they would have known that I had nothing to do with this fraud and would have had to give me my money back already!! They are ridiculous. Anyway, please contact me if you are needing any further info in regard to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$310.00} STATE OF MI OFFICE CHI XXXX {$980.00}
Product: Debt collection

someone stolen my identity to obtain credit, fraudulent open accounts under my name to were open to obtain credit, fraud accounts are XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX XX/XX/XXXX {$980.00}, XXXX XXXX  XX/XX/XXXX {$610.00}, XXXX  XX/XX/XXXX {$6400.00}, XXXX XXXX XXXX XX/XX/XXXX {$540.00} and a XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested. 

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question ...
Product: Credit card or prepaid card

In 2021 XXXX dollars XXXX times was stolen from my bank american prepaid debit card when I asrd the bank to investigate they deactivated my card when it was reactivated weeks later they XXXX dollars was missing from my account when I reported it they said they'd investigate I was sent a new card but my funds weren't replaced I was given the run around so much that I gave up fighting them and until this day I haven't received an explanation or my funds
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hurricane Florence victim..My insurance check was issued in XXXX to XXXX XXXX, who sold my mortgage to Penny Mac in XX/XX/XXXX..now Penny Mac will not give me my money to fix my home, which is over 60 % repaired with my own savings..Penny Mac has come up with several different excuses not to give me my money, first couldn't find check, then I need a licenced contractor to do my work, which is not required under 30,000 in NC. Then they told me I needed and inspection, which was lost and had to come back and do again. They came again which took another two weeks said my home was 60 % done.. So clearly i'm not going to take the money and run, but it seems they are making tons off of event 's money..so I've decided regrettably not to pay them anymore mortgage payments which I informed them of this, which I have never missed..they should be fined or imprisoned..
Product: Money transfer, virtual currency, or money service

I deposited {$2500.00} onto Coinbase 's proxy website called XXXX, and they denied me access to their trading platform. This means that I effectively lost the money if they do n't refund it back to me. I tried to contact them several times to no avail
Product: Credit card

I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Equifax and spoke with two different reps. At first I spoke with XXXX, and then I spoke with XXXX who is in the fraud department. Equifax does not provide call reference numbers, I was advised to use my dispute confirmation number which I have XXXX, and also XXXX. I disputed two fraudulent accounts on my credit report. One for XXXX XXXX XXXX XXXX, and also XXXX XXXX XXXX. I am a victim of identity theft and fraud. I filed a police report with my local police department which is XXXX Police department, and I also filed a identity theft affidavit with the federal trade commission. Someone has being using my social to get goods and services. I sent over the police report as well as the identity theft affidavit to the credit bureaus. Equifax removed this account and then reported it back again the very next day. now Equifax is refusing to remove these items back off from my report. they are also refusing to provide me with the information that was used to verify that this account belongs to me. Why is it so easy for someone to use my information and damage my credit and my life but extremely hard to rectify the situation? especially when I have PROOF that I did not open these accounts. I never opened up a loan with this company, as a matter of fact I've never even purchased an auto since I've lived here in Texas, nor have I ever had XXXX XXXX which is the XXXX account. This is so sad and completely unfair.
Product: Mortgage

In   XXXX   I had a  XXXX , I contacted  Wells Fargo f or a temporary payment plan while I was in recovery.As I called to make sure that I did not default on my mortgage I got different stories. The end result was to reapply for a loan modification.Then  ASC  was the servicer.     I work in a resturant and have a 20 % investment in the job where I work.  Wells Farg  o/ASC req uested tax return from the  XXXX  where I work. I had to beg the owner to allow me to show the tax return from their business.Now after going through all of that the person that was working on my file was transferred and the new woman assigned said that they did not need it.     If I sent  Wells Farg  o/ASC wha t they requested today in the next  two  days they would say the Underwriting was asking for this or that ..and then come to find out it never made it to Underwriting yet.   Then there is re-entry and they told me that there is absolutely nothing that I can do to save my home from foreclosure. They said I have used all of my chances and they will not consider any help for me!   I have saved money that I could pay a good faith down payment and go on trial payments toward a plan to save my home. They absolutely would not discuss it.
Product: Checking or savings account

I received an email from CIT bank stating that they need to verify my identity to open an account. 

The person attempting to open the account has my name and email. 

The person is not me I tried calling the fraud number with CIT and all I get is a bunch of automated options.none of which relate to fraud. 

This is the second attempt for someone to open an account in my name. There was one with XXXX XXXXXXXX XXXX several months ago. They wanted my personal information to resolve and I refused. I filed a complaint with my local Sheriffs office.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I mailed a certified letter to experian and it was returned to me. i don't why it was but it happened. the was inform that has two accounts that was reporting in accurate on my report. one account was XXXX XXXX XXXX and the other was XXXX XXXX XXXX. both of the accounts are inaccurate. since the letter was undeliverable and returned and not opened i need action
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

I just checked my credit report today and found unauthorized inquiries that I can not explain. This is incredibly frustrating, and despite refreshing my browser to see if it was a glitch, the inquiries remained. I urgently need a thorough review of the documents I sent so this issue can be resolved, and I can stop worrying about it happening again.
Product: Checking or savings account

I took my family out for ice cream and got double charged by XXXX. I noticed this the next day and had to wait for these transactions to be posted to my account. When I checked out for the ice cream purchase, the representative asked me to rerun my debit card because it didnt go through the first time. So, of course, I did and then received the charge in my checking account twice. Regions Bank has denied my claim and refuses to speak further if I do not have any more information about my claim. I have contacted XXXX to get my money back, and they told me that it was a double charge because they have had issues with their new registers. I still don't have my money back and I am waiting for the manager to contact me tomorrow. I am a concerned client because I thought this is what regulations E was Supposed to cover for the consumer. I am extraordinarily dissatisfied with how this dispute was handled by the Regions bank and their representative.
Product: Debt collection

I didn't receive anything and was not properly contacted to be able to dispute these charges. It just showed up in my collection and I am not sure if this is mine and the amount is very high. I don't know this. This account I can't recall must be old.
Product: Credit reporting or other personal consumer reports

Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX  or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX and XXXX XXXXXXXX Account Number XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally address the continued gross mishandling and inaccurate reporting of my XXXX account by XXXXXXXX XXXX  and the credit bureaus. Despite my repeated disputes over the past six months, this account remains on my credit reports with derogatory and unverifiable information. 

The following issues highlight the egregious violations of my consumer rights : Failure to Validate Debt : XXXXXXXX XXXX has failed to provide any form of validation or documentation to substantiate the reported late payments and derogatory marks. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require that creditors verify the accuracy of disputed information. Their continued reporting without validation is a direct violation of these laws. 

Inconsistent Reporting : XXXX shows the account as Deleted and marked Paid, while also reporting a XXXX late payment status, which is contradictory. 
XXXX and TransUnion continue to show the account as Closed with a Late 120 Days status, despite no evidence of these late payments being provided. 
These discrepancies across the bureaus demonstrate inconsistent and unreliable reporting. 

False Verification by Bureaus : My disputes with the credit bureaus have resulted in them claiming the account has been verified. However, if XXXXXXXX XXXX can not provide proper validation, it is clear they are submitting false verification to the bureaus, which is fraudulent and unlawful. This practice undermines my right to an accurate credit report. 

Statutory Violations : Continued reporting without validation violates the FDCPA ( 15 U.S.C. 1692g ), which requires debt collectors to cease collection until validation is provided.

Inaccurate reporting and failure to correct errors violate the FCRA ( 15 U.S.C. 1681i ), which mandates accurate reporting and timely correction of disputed items.
Product: Mortgage

I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or XXXX and Equifax. Ultimately it is now on XXXX and Equifax to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my Equifax online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to access my.equifax.com website to unfreeze my credit history and the web site is down for the 3rd time in 3 days. I've called and entered all information required by the automated system and requested a text with code and text never received. I called and talked a representative and now they require letter of SS and driver license. I told the rep I needed to talk to their supervisor since their system is not working and I shouldn't have to provide this documentation due to the incompetence of their tech people to keep their web site up and running or their automated texting system to work correctly. 

After being on hold for 10 minutes the rep hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> and XXXXXXXXXXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

In response to Citibanks letter dated XX/XX/XXXX for my Citi Best Buy accounts ending in XXXX ( Old account ) and the new account ending in XXXX ( see letter attached ) I received all the statements and receipts and i can confirm all transactions after XX/XX/XXXX where unauthorized. 
This is the 3rd time I have informed Citi bank of the unauthorized transactions The transaction in XXXX Florida for {$900.00} in mine, as i previously said, I was in Florida from XX/XX/XXXX to XX/XX/XXXX XXXX ( see attached boarding pass ) However, all the other transactions from XX/XX/XXXX through XX/XX/XXXX are unauthorized. I did not make them, sign those receipts and I did not profit from them in anyway. This is including the pay by phone payments on XX/XX/XXXX & XX/XX/XXXX. They were not made from any of my checking accounts. 

Additionally, If there is anything else Citibank feels they need to discuss it MUST be written communications. Therefore, In the event there is a civil claim, it is best both parties have equal access to all the historical facts. I stated this in my previous correspondence and I am stating it again. 

In the meantime, I am advising Citibank to conduct themselves appropriately. Which, to this point you have failed to do. I AM REFERRING DIRECTLY TO THE MID-CYCLE POSTING OF THE BALANCE FOR ITEMS I HAD JUST A FEW DAYS EARLIER DISPUTED.