23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my XXXX ( XXXX ) credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. 

Additionally, I am filing a complaint against XXXX XXXX XXXX, CitiCards CBNA, and XXXX Bank for illegally re-aging and repeatedly charging off these accounts, thereby resetting the XXXX reporting period. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Legal Grounds : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within XXXX  days.

15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts.

15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages.


15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines.

Disputed Accounts : XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Violation : Re-aging and repeated charge-offs, resetting the XXXX reporting timeline illegally. 
XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Violation : Re-aging and repeated charge-offs, violating the FCRA. 
XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Violation : Re-aging and repeated charge-offs, manipulating the credit reporting period. 

Violations and Demands : XXXX ( XXXX  ) is illegally reporting negative information from fraudulent accounts, which violates the FCRA. This is especially concerning given Experians ongoing legal challenges for inaccurate credit reporting practices. 
XXXX XXXX  XXXX XXXX CitiCards CBNA XXXX and XXXX XXXX  are manipulating charge-off dates and re-aging accounts to unlawfully extend the XXXX reporting limit, violating 15 U.S.C. 1681c. 
XXXXUnder Section 605B, I demand the immediate removal of all fraudulent accounts within XXXX  days. 
XXXXUnder 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies. 
XXXXUnder 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages. 

Cease and Desist Notice : Under 15 U.S.C. 1692, I am issuing a Cease and Desist notice to XXXX XXXX XXXX, CitiCards CBNA, and XXXX Bank. All communication and collection efforts regarding these fraudulent accounts must cease immediately. Any continued contact will be considered harassment and a direct violation of the FDCPA. 

Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.
Product: Mortgage

XX/XX/2022 mailed correspondence to Homestar Financial Corporation, with a complaint, requesting forward flow agreement, also stating I was uniformed on the use of credit, Pursuant to 15 usc 1601 ( a ) I need to see a signed contract between me ( XXXX XXXX XXXX ) and Homestar Financial Corporation, also tell me how was I able to give over a security interest in a property I did not own prior to signing agreements, Homestar Financial Corporation did not inform the borrower the value of my signature, there was no consideration, I gave Homestar Financial Corporation a promissory note that added value to the Banks assets, I got nothing in return. I know the promissory note is being traded on stock market ....
Product: Payday loan, title loan, personal loan, or advance loan

I ordered tickets to see XXXX in XXXXXXXX XXXX XXXX for a concert that was to be held in XX/XX/year> in XXXX, MD. The tickets were supposed to be sent electronically. I never received the tickets. I went through a company called XXXX. It was sent up to pay for the tickets in 4 monthly installments. When I alerted the company that I never received the tickets they suggested ways to trouble shoot and suggested that I reach out to XXXX. I did and I still was unable to get my tickets to the concert. The concert tickets were paid for in full 1 month before the concert. I reached out to the company to no avail. I got proof from the bank that they took the money from my account. I submitted it to them and theyre still saying that I didnt pay the debt off in full. I never got my tickets or a refund. I need my refund.
Product: Checking or savings account

My name is XXXX XXXX & earlier this year in XX/XX/2022 someone walked in a few branches in Arizona and withdrew almost XXXX from my US BANK checking account. I reported this fraud immediately and sent in everything the bank asked for. I sent in all my documents, State ID, police report. I mean I literally did everything I was asked to do. XX/XX/XXXX I call in to the fraud liaison department and I was told that my claim was approved and that there was XXXX in my savings account. Then the next day my account was frozen and the claim was reversed. I waited 3 long months to get my money back from this bank just for them to basically tease me with my OWN money. On top of that they sent me mail with my ENTIRE debit card number where my name should be addressed which I will include in a screenshot with this text. Why this bank refuses to protect me even when sending me mail is literally beyond me. I am on the verge of filing a lawsuit with US Bank if they cant get this one right. The mail carrier is probably so confused because shes delivering mail with a XXXX digit credit card number to my mailbox instead of my first and last name. Ive never been treated so unfairly by a bank and to let someone walk in 6 branches and withdraw my money just ices the cake for me. I need US BANK to make this right because at this point I feel as if Im being harassed with mail coming to my address addressed with my XXXX digit card number. I want my XXXX back. Why my claim was approved and then denied is crazy to me. By the way the piece of mail that the XXXX digit card number was on ; inside of it was my PIN number to my new debit card. This bank literally wants me to get robbed of my money again doing things like this. This is so hurtful.
Product: Mortgage

We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.
Product: Mortgage

In a letter dated XXXX/XXXX/XXXX, the bank ( falsely ) claims that the entire forgiven amount {$150000.00} was principal. That amount as principal is not possible -- based on the declared principal at the time of my original purchase and the new principal due per the work out plan. 
The bank, under the direction of the Federal Bankruptcy court for mediation, finally offered me a workout plan based on the bank 's determination of the current value of my home. To my knowledge, there was NO independent appraisal. That mediated agreement was signed XXXX XXXX XXXX. 

The details for that FUTURE workout plan included the bank 's claim that I owed {$290000.00}. I do not know how they made up this number. There was never a time when I owed such an amount as principal. 

The original note I signed in XXXX was for a principal amount of {$180000.00}. The new principal amount from the XXXX agreement is {$120000.00} ( interest bearing ) + {$13000.00} ( non-interest bearing ). 

That is a difference of {$49000.00} in principal. Where the {$150000.00} claimed as PRINCIPAL by the bank came from is a complete mystery. It seems the bank can make up whatever numbers they like and make whatever claims they wish and too bad for the consumer. 

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
Product: Credit reporting or other personal consumer reports

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 According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt. 
4. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Student loan

On XX/XX/2021 I sent a letter, by certified mail, requesting original instrument of indebtedness in its original form to Sallie Mae which of delivered on XX/XX/2021. The letter also asked for a response back on or before XX/XX/2021 ; no response was given. On XX/XX/2021 I sent another letter via certified mail requesting the instrument of indebtedness in its original form and requesting a response on or by XX/XX/2021, which was delivered XX/XX/2021 ; no response was given. On XX/XX/2021 I sent two notarized affidavits of mailing including copies of both letters requesting the above matters which was delevered XX/XX/2021 ; requesting the original instrument of indebtedness in its original form or the matter be settled legally and financially.
Product: Credit card or prepaid card

Am responding to CFPB 's request for feedback regarding complaint # XXXX and # XXXX. Citibank 's response made no sense what so ever and no effort has been made to resolve the issue at hand. Subsequently documentation that substantiates " An airline must return fees paid if they cancel the purchased flight. '' has been sent without a response. The flight in question was purchased in XX/XX/2020 and scheduled to depart on XX/XX/2020. XXXX XXXX canceled the flight and all others from the US in XX/XX/2020 and Citibank informed soon thereafter.
Product: Money transfer, virtual currency, or money service

Coinbase won't allow me to buy /sell or withdraw because i couldn't get though the ssn Identity Verification but im positive that every info i entered is correct. im trying to withdraw funds to my bank but it won't work. its saids i need to provide additional info to withdraw. coinbase already have my ID and infos every time i try to fill the additional info it it always say can not locate my ID and will locked me out for certain hours in order to try again I contacted coinbase numerous time with no luck. coinbase already approved my identity i sent all the document they needed. when i first register for coinbase eveything works fine i can buy/sell and withdraw small amount of funds after sometimes it won't let me do it anymore. please help and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.
Product: Credit reporting

The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXXXXXX XXXX is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. XXXX XXXX is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted XXXX XXXX today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Product: Credit reporting or other personal consumer reports

A few months ago, I reviewed my credit report and found discrepancies related to the account XXXX  ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditors and collectors, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information. 

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, and 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
Product: Debt collection

Started receiving phone calls about a month ago ( XX/XX/XXXX ) for an account that was closed in XXXX under my name. Company didnt have my real address until I gave it to someone. They sent me copies of charges I confirmed it was not me and then they sent me a letter proving the accounts validity now that they have my actual address. I just want this fixed.
Product: Money transfer, virtual currency, or money service

I was sent {$2100.00} to Wise to go to my bank account from XXXX ( a prop trading firm ). I completed the application on the XXXX of XX/XX/year>. XXXX processed this application on the XXXX of XX/XX/year>. Then I created a Wise account to receive this payment of {$2100.00} on the XXXX of XX/XX/year>. Wise then updated me on the payment on the XXXX of XX/XX/year> and told me the money would go into my account on the XXXX of XX/XX/year>. When the XXXX of XX/XX/year> came around, I did not receive my money. Then they sent me a receipt falsely showing that I received the money into my account on the XXXX of XX/XX/year>. Wise is showing that the sending company, XXXX sent the money, and Wise has not been helping me at all with the problem. Wise claims that they can not send the receipt to the recipient, but I already have the faulty receipt.
Product: Credit card

We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.
Product: Credit card

Since XX/XX/XXXXXXXX XXXX XXXX I have been trying to handle a fraud claim with Wells Fargo. XXXX Here is that case number. Since XX/XX/XXXX I have not heard anything from the executive office about my case other than that they are still doing research. The only research they need to do is get in touch with the claims department which is part of Wells Fargo so shouldnt take over a month. They have not tried to contact them which I confirmed with the fraud department today. On XX/XX/2024 my monthly statement came out showing only the original fraud charge of {$210.00} since they havent made a decision on the claim they decided to add interest of {$25.00} to my account setting my current balance at {$240.00}. It is a pending case and should not be receiving interest. Its against the law per CFPB website.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was the victim of fraud against a line of credit attached to my credit card with Bank of America. The amount was sizable.. {$21000.00}. 
on XX/XX/XXXX about noon time est, my cell phone went dead for about an hour ( no service ). 
During this time it appears my phone number was ported over to an unknown person or persons who used it to start a transaction to transfer the money to another account that they referred to only as XXXX XXXX XXXX. 
I have phone records showing unusual activity on my phone during the time that the number was not in my possession. The carrier corrected the porting and my service was restored. 
The company ( BOA ) continues to deny my claim and is now looking for me to repay. 
I have filed a police report, placed fraud alerts with the XXXX credit bureaus and have filed a report with the FTC. My credit has been negatively impacted from this event. 
Thank you in advance for help you could give me.
Product: Money transfer, virtual currency, or money service

I use XXXX to exchange and hold my cryptocurrency. This account is tied to my checking account through Wells Fargo where I can make deposits and withdrawals using an ACH. The XXXX account was compromised by a fraudster. I contacted Wells Fargo 's Online Fraud department to warn them of what had occurred and stop any transactions coming from XXXX. The representative told me a hold had been put in place and ended the call. 2 days later on XX/XX/XXXX {$5000.00} is transferred out of my account into XXXX by the fraudster. I contacted Wells Fargo again on XX/XX/XXXX regarding the hold and was told a hold was never put in place. When seeking resolution from Wells Fargo I was told through a letter that a hold takes 3 days to be put in place. I have requested to speak to a manager several times but none have ever gotten back to me in order to explain why the request for a hold I made on XX/XX/XXXX was never put in place and why I was never read a disclaimer informing me that it would take 3 days for a hold to be put in place but was instead told it had already been done. Any request for review of or copy of the original XX/XX/XXXX phone call has been ignored even after contacting the XXXX.
Product: Credit card or prepaid card

I initially contacted American Express to verify my application status. I was told that my XXXX  XXXX  that is registered with the XXXX  XXXX XXXX  XXXX did not exist. That is a blatant lie. Then I called back and was told that the XXXX XXXX XXXX  XXXX website was not working and that they had an outage. I contacted the XXXX  XXXX XXXX  XXXX XXXX and confirmed that their website had no outage and was functioning properly. American Express lied to me multiple times but what is most disturbing and fraudulent, they lied using false information directly associated with the Great State of XXXX. What else are they lying about?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all XXXX Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. 

TD Bank/Target credit XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX! 

Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The violation that took place was Fraud and identity theft performed by Credco. 

I opted out of Credco releasing my consumer data report or any information from any company or third parties on XX/XX/2021. 

On XX/XX/2021 I received an alert from my credit monitoring service that Credco has released my personal and financial information to a third party company without my written consent, which is supposed to be in their policy for opting out of their service.
Product: Credit reporting

Equifax has denied my federal mandated free consumer annual credit report. Please take a look at exhibit XXXX in the uploads.