23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This needs to be sent to XXXX, XXXX, TransUnion. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, XXXX, TransUnion.
Product: Debt collection

today XXXX at XXXX I received a call on my private cell phone number whereas I have been receiving calls on this private number from realtors, investors and etc while I am litigation with this present fraudulent foreclosure on my home. In one of my previous CFPB complaints I mentioned that my number is being given out to many to harass me to pressure me to give up my home or sell to them when I am fighting for years in court to stop this fraudulent foreclosure attempt with forged/photocopied documents. This call told me that they at Chase were monitoring my payment transaction history and want to offer me a payment offer. I hung up because this is a non existent debt that they well know I am in court with. These calls started over 2 months ago and Chase has already been told to stop giving out my private number and to not use it at all. I want these calls stopped as well as the mailings and emails etc... This is harassment and fraudulent foreclosure tactics to threaten and terrorise me for my home. I am XXXX yrs old, XXXX, indigent and recently had a second cardiac in the past 2 weeks having to be hospitalised stress triggered. I had XXXX XXXX in XXXX of XXXX and this harassment is taking a toll on my health being a life threat. The number Chase called me from at XXXX today XXXX is XXXX when they know this number is not for them to use for anything!!!! My landline is listed with this Chase. XXXX XXXX is hiding their involvement in this fraud/, abuse/profiteering, so much so they have denied me 3-4 FOIA requests in since the laws have included them in their obligation to respond to FOIA requests in XXXX.
Product: Debt collection

I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Checking or savings account

To whom it may concern : As a victim of fraud and unauthorized transfer, I would like to file a complaint on the lack of security protections from Citibank that led to the loss of {$21000.00} from my bank account. 

On XXXX XXXX 2021, there were a couple of unauthorized activities from my Citibank account. I noticed them and immediately informed Citibank to stop the transfers or freeze my account when their status was still pending. Despite reaching out to different Citibank departments with the same request, Citibank still refused to stop the transfers. I put in so much effort, including contacting Citibank, filing reports with the Fraud Department, and reporting this to the police, but it was frustrating that Citibank did not recognize the urgency and nor make an effort to protect my savings account. On the next day, I discovered that almost the entire savings account balance, i.e. {$21000.00} in total, had been stolen from my bank account. 

Besides the refusal to halt unauthorized transfers, Citibank also did not perform appropriately to avoid the perpetration of fraud. Before this event, my account had never had any history of transferring more than {$1000.00} in a transaction. It was obviously suspicious that a large amount of money was suddenly overdrawn in excess of what was in the account. 

Similarly, such a large portion of my savings was transferred to a person I neither had any types of previous transactions with nor had added to my list of payees. While the recipient was as suspicious as the transfer, Citibank did not contact me to notify me of the unusual transfer, to verify identity, and to confirm the transfer. I, as the primary owner of the account, have not received any notifications or alerts about the transfer. It is very doubtful whether Citibank has taken any effective security measures to prevent the occurrence of unauthorized transfers. 

After this unfortunate event happened, Citibank asked me to wait and promised to do investigation into it. However, I have not received any reports about the investigation. I have not been provided any explanation about how my money was stolen from my account or any form of compensation from Citibank. It seemed more like a statement that the bank had decided to deny any responsibility. 

To resolve this, I would appreciate assistance from the Consumer Financial Protection Bureau. I would be able to provide all the necessary information and copies of records.
Product: Checking or savings account

On XX/XX/XXXX I went to the Bank of America ATM to withdraw cash the ATM kept telling me daily amount exceeded transaction canceled several times then I checked my balance and I was missing XXXX dollars so I called to make a Fraud complaint the fraud clerk didn't canceled my card and send me a new XXXX a few days later the XXXX dollars were gone so I called again a made a new complaint the second fraud clerk told me that the first clerk didn't do her job that's why I lost XXXX dollars yesterday XX/XX/XXXX the bank refunded XXXX dollars but the are denying me the first XXXX dollars of the first complaint because they told me they have video of me getting the cash so I said what do I look like and they gave me complete different person they said I was XXXX wearing a white shirt short sleeve v neck so I said excellent do I have any marks on my chest and arms they said NO I said wrong person because I'm 90 % of body is Coverdale with XXXX and I went in person to Bank to get verified they now know I wasn't the XXXX man with no tattoos but they are still denying me my first XXXX dollar fraud complaint because the first girl who helped me did not clarify as Fraud Bank of America is stealing scamming me of my money that was hacked.
Product: Credit card

Therefore, I am formally requesting that this inaccurate bankruptcy record be removed from my credit report without delay. Please ensure that my file is updated accordingly to reflect accurate and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX pulled a unauthorized credit/hard inquiry on my Equifax report confirmation number XXXX.When I discovered it I immediately disputed this Unauthorized hard inquiry.I never asked this company or gave permission to pull my credit.This is FRAUD.When I got the Dispute results back from Equifax, it says, Please contact the creditor, with a address but no phone number.Well i tried looking up this company only to discover that this company has pulled unauthorized credit pulls on lots of people.There is a forum online with the same problem.Equifax also said in results '' Inquiries are a factual record of file access '' which means that Equifax DID NOT investigate it.If they investigate my dispute, they will see that this inquiry is Unauthorized and Fraud.Because of Equifax not doing there job, it has caused my credit score to decrease on this unathorized inquiry.I have a right under the credit laws to have a dispute fully investigated.Therefore, Im demanding Equifax to reinvestigate my dispute to the fullest.I did file a FTC Fraud complaint on XX/XX/2020. 


" Inquiries are a factual record of file access but they are still " any '' item. They have to reinvestigate " any '' disputed item at your request. Futhermore, the collector or creditor must certify a permissiple purpose for an inquiry. This certification is part of the factual record ''.
Product: Money transfer, virtual currency, or money service

Already submitted a complaint from XX/XX/XXXX and they company responded with the verdict I was to receive {$5000.00} reimbursement for the unauthorized check that was issued from XX/XX/XXXX. The company is claiming that they issued the funds However I never received them and its been over a month Ive been in correspondence with them and there is no consistency in what they are saying other than I clearly didnt receive what was promised. Ive been very patient about this and am awaiting these funds so that I can secure a place to live and job.
Product: Credit card or prepaid card

I have attempted to close this account because I have never received a card or any account information from this company but they keep charging fees to the card I have never received. I have paid my balances in full and they still have not closed at my request.
Product: Money transfer, virtual currency, or money service

I was defrauded by an online scam posing as selling a XXXX tractor. They had a website XXXX I lost {$21000.00}
Product: Bank account or service

On XXXX/XXXX/XXXX, I attempted to deposit a check for {$380.00} into a Chase Bank atm located at XXXX XXXX XXXX XXXX, XXXX, IL. The atm took my check and spit out a receipt saying the atm has experienced a technical problem and I need to call Chase to file a claim, which I did. In the meantime, Chase deposited temporary funds into my account. Nearly 2 months later, I learn that Chase is removing the temporary funds because the check has indeed been cashed -- BY ANOTHER CHASE CUSTOMER -- and deposited into THEIR account, not mine. The agent I spoke with on the phone suspected the atm spit my check out at some point and somebody else cashed it! Chase is taking zero responsibility for this and has completely put the burden on me, saying that I need to contact the issuer of the check ( XXXX XXXX XXXX XXXX of IL ) and ask that they contact their bank and submit a fraud claim. Meanwhile, they are removing the funds from my account and I 'm left to deal with this situation completely on my own. 

I ca n't get any status updates from XXXX and Chase says they ca n't do anything either. I feel like I am never going to get my money and my only wrongdoing was attempting to cash my check. Chase 's atm malfunctioned, Chase allowed another customer to deposit a check that clearly belonged to someone else, and this other user is a Chase customer, yet Chase refuses to take the money out of their account and put it into mine. It 's been almost 3 months and I feel like I 've hit a total brick wall and am no longer making progress in resolving this issue. They have been incredibly unhelpful and have put the burden completely on me and the issuer of the check, which, unfortunately is a huge insurance corporation that probably does n't have the time or interest in helping me. I hope you can help me. I do n't understand why they wo n't just assume responsibility for their malfunctioning atm and for the fact that they allowed a stranger to deposit my check. I just want my money. I have given over 15 hours of my life to resolving this -- between being on the phone with Chase and XXXX XXXX XXXX XXXX and speaking with a banker at the branch. I 'm tired. I want it to be over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
, Department of EducationXXXX representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of EducationXXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of EducationXXXX accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a new vehicle in XXXX XXXX XXXX, my first payment was due XX/XX/XXXX ( each payment is due on the XXXX of the month ) in the amount of {$580.00} ( which is the monthly payment amount on the vehicle ). I made a payment at the beginning of every month for 6 months, {$1000.00} for each payment, below are the dates and amounts for each payment ; XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} In late XXXX XXXX, I reached out to the bank that I have my vehicle loan through ( Associated Bank ) to ensure that the extra money that I was putting on each payment was being put toward the principal of the loan. The bank informed me that it was not, and that they would correct that and make sure that any amount that I payed over the monthly amount due would be put towards the principal amount of the loan. Around the time of my XXXX payment on XX/XX/XXXX, I noticed on my online payment portal that my balance was incorrect and the online portal showed that my payment was past due and I was delinquent. I contacted the bank and was assured that everything was fine, so I continued to make my payments at the beginning of each month, in the amount of {$1000.00}. A few weeks later I received a certified default letter from the bank, dated XX/XX/XXXX, that I was in default of my loan. They claimed that I owed {$1400.00} and that the amount was due immediately. I called the bank and they assured me that my account was current and that they denied sending any certified default letters. They also assured me that this issue was their fault and that they would not send any reports to any credit agencies, reporting the errored delinquency. In the beginning of XXXX I went to refinance a loan with my credit union, and they advised me that I could not get the loan I wanted, due to a bad credit report from XXXX. The XXXX report stated that I was delinquent on my vehicle loan and specifically mentioned that it was Associated Bank that reported me as delinquent on the loan. I contacted Associated Bank and explained the situation, and they still denied reporting me to XXXX. They assured me that I am not delinquent with them and there were no missed payments, but I also noticed that my that they manipulated payments to achieve the correct balance on my account, and did not fully match my payment records. They assured me that any issues would be corrected regarding my credit. Today on XX/XX/XXXX, I received a letter from Associated Bank, dated XX/XX/XXXX, stating that they have reviewed the Credit Report and they determined it to be accurate and they can not change or remove that report. I immediately contacted the bank and they apologized that I received this letter and I am still waiting to hear back from a supervisor. I am reaching out to you because I need help getting my credit restored as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.