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

My savings acct. was allowed to fraudulently pay out a Check on XX/XX/XXXX for {$30000.00}. Please note this is my savings account which doesnt even have a check. XXXX days later I notified what had happen they allowed a fraudulent check to pass thru and take my money. I complained within a few days and filed a police report about a day later. And they sent me a letter dated XXXX XXXX, XXXX and declined the claim. 

They declined reason was because their review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. When we spoke with them, they suggest I said that I pre sign my checks, which I do not. But again, the acct. was a savings acct. with no checks. 

The check was to a online watch company, in New York and the address on the false check was from an address in Florida. I live in XXXX XXXX California. 

Ive been back to the Chase Bank a number of times filing reports, affidavits and police reports and they still havent given any of my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Student loan

I started going to school at XXXX College in XXXX County, IL in XXXX. When given the pitch about the college, they claimed to be able to put 98 % percent of their students into the field that they would be studying for. On top of that, they also claimed that at any time, I could return to the school for free retraining after graduation. 

It was not until I graduated that I learned that it was not an accredited school, so if I were to continue my education elsewhere, I could not use the college credits. When they attempted to put me in my field, they kept trying to put me in customer service positions, such as a XXXX  XXXX  at a XXXX  XXXX down the block from the school, or giving me tiny XXXX  jobs, for companies that I believe don't even exist, due to looking them up and nothing about said company ever appeared. An example for this was a XXXX  XXXX  for a company called 'XXXX XXXX XXXX ', I have never heard of that company before or ever since. 

When attempting to find a position in XXXX XXXX  of XXXX  XXXX, a majority of employers would simply not call me back, give me the excuse that they were still looking, but in one instance when I asked if the head of the building was in, and was given an interview on the spot. When given my resume, they proceeded to laugh at after seeing that I went to XXXX. This prompted to do some investigation and found that there were many lawsuits and even ones that were won for their criminal justice students in XXXX for the sum of XXXX XXXX dollars. 

That being said, if this was the case for the criminal justice students, shouldn't it also be the case for all the other XXXX students as they have been found to not be keeping their promises and were essentially successfully sued for it by the attorney general of Illinois at the time, XXXX XXXX. 

I feel as though I should not be held responsible for paying back the student loans as given the information above, any and all XXXX College students should of been contacted or made aware of these lawsuits and given the chance to get in on them so that they may be absolved of the debt that they were wrongly put into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING. 

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX XXXX XXXX ( Chapter XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail.

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas.

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!!

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.
Product: Mortgage

XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT : # XXXXXXXX XXXX XXXX-ACCOUNT # XXXX XXXX. XXXX Date Opened : o XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. The inconsistency in the opening date should be clarified. 
Date Last Active : o XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This discrepancy needs correction as it impacts the aging of the account. 
XXXX XXXX XXXX XXXX Date Opened : o XXXX reports the account opened on XX/XX/XXXX, while Equifax shows XX/XX/XXXX. The opening date should be consistent. 
XXXX XXXX XXXX XXXX XXXXXXXX lists XXXX XXXX as {$370.00}, but Equifax shows {$170.00}. This is a clear inconsistency that should be investigated. 
Date Last Active : o XXXX reports the Date Last Active as XX/XX/XXXX, but Equifax lists XX/XX/XXXX. These dates should match. 
________________________________________ XXXX XXXX XXXXXXXX Date Opened : o XXXX lists the opening date as XX/XX/XXXX, while XXXX and Equifax list XX/XX/XXXX. This inconsistency should be addressed. 
Date Last Active : o XXXX reports the Date Last Active as XX/XX/XXXX, while Equifax lists XX/XX/XXXX. These dates should align. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute
Product: Checking or savings account

I borrowed {$3000.00} from the XXXX XXXX whom I have done buisness with upon occasion as life happens. They have been really awesome and super friendly every time I have been there. 
I depositied the check for XXXX dollars on XX/XX/19 into my Bank of America account at the teller. I wanted to cash it but they said I had to deposit it and the funds would be available to cover debits made that day and cash withdraws the following day. I aggred to deposit the check. I checked my app later that night and it showed the deposit of XXXX $ available to cover transactions made on XX/XX/19 and available for atm or cash on XX/XX/19. The morning I logged in to check my funds before setting off on buisness and there was {$3000.00} placed into my account and then taken back out and a hold placed on the funds until XX/XX/19. I have been a bank member for a long time and I have regular deposits of 6-15 thousand over the last 2 years. 
I called the bank and they said to call back after XXXX to talk to someone who could help. I called back and they told me that the hold was most likely an issue with the check or that the other bank had not released the funds. I called the XXXX XXXX whom issued me the check and asked them to verify that there was no issue on their end with the check.The XXXX XXXX said she spoke to corprate headquaters and that the check and funds are good and available. 
I called Bank of America and got another person who could do nothing, so I asked to speak to a supervisor. The supervisor called the department that handles risk and they said that due to the check being XXXX $ and the fact that the Bank that issued it had previous returns they would not release any of the funds. 
This is outragous as the money in question is less then 5000 and I have deposited checks from this bank/loan company before. The fact that the teller lied to me and then the system showed it in writting before the hold was placed is down right criminal. Now I have no money and will have to pay a finacial charge on a loan I needed yesterday but can not use for 7 more days.
Product: Credit card or prepaid card

Today I tried to book a reservation on XXXX with my Capitol One credit card. Even though I have the available credit on my Capitol One card to make the purchase of XXXX dollars capital one will not process the transaction without a copy of my drivers license or passport. Given Capital One 's massive data breach I do NOT trust them to act in any consumers best interest especially considering their desire to obtain even more person information about clients life photo 's of federal id 's
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there that are inaccurate, XXXX XXXX XXXX information is inaccurate payments were never late the loan has been paid to the terms of the agreement I ask that this account be Reverse to paid as agree, remove the late payments Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently
Product: Credit reporting, credit repair services, or other personal consumer reports

To update my current dispute at Trans Union, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXXXXXX XXXX XXXX I filed a lawsuit against XXXX XXXX XXXXXXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections manager. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is manager XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.
Product: Mortgage

We pay XXXX for our mortgage thru an electronic transfer of funds from XXXX XXXX every month for the last XXXX  years. Our last XXXX payments to XXXX are not being credited to our account. XXXX XXXX  has been wonderful and sent them all the information they have asked for in order to correctly apply the funds. They have provided the account #, the confirmation #, the trace number, date of receipt, and amount of the payments. 

I have spoken to a representative from XXXX XXXX times per week for the last XXXX weeks. During this time, they have repeatedly have told me someone would contact me back once the information was researched. I have never received a call back. I have summited XXXX different forms to " payment research '' with the information requested and every time when I call to check on the process I'm told there is not enough information to continue. 

I have done a joint call with XXXX Bank and XXXX without any resolution. 

Every time I call XXXX I spend a minimum of XXXX on hold no matter the time of the day. This last call I spent over an hour and a half on hold with out resolution.
Product: Vehicle loan or lease

DriveTime XXXX XXXX and its financial affiliated, XXXX ( owned and operated by DriveTime ), financed me a used car. The car has numerous problems that were hidden from me during the carnival-like process of showing off what is not wrong with the car. I have made numerous attempts to contact BOTH Drivetime and XXXX. The result has been time consuming and without results. 
I have never missed a payment, and I have zero delinquencies, and I am not asking to break the lease. I am asking for what Drivetime advertises : the opportunity to modify or extend the loan agreement, so that I do not fall behind or violate the terms of our agreement. Drivetime XXXX XXXX and its financial affiliate, XXXX, do not wish to discuss the advertised options on their website. Are they guilty of false advertising, or unethical business practices, or both? 
The only time I receive contact from Drivetime is to remind me that my payment date is approaching, not that it is late, but that they want money soon. 
Drivetime may be in violation of a Federal Consent Order that was imposed on them in 2014. 
I am reaching out to Drivetime one last time via email, informing them of their excessive contact and their false claims. I am also ceasing all financial obligations to the company until they acknowledge the situation. 
I will not allow Drivetime to deface my credit or violate the terms of their court order by harassing myself, my references, or my workplace. 
I have made timely payments and asked for help with maintaining our business arrangement. 
They have responded with silence from customer service, excessive payment reminders when payments are not even due yet, false advertising, and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 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
Product: Credit card or prepaid card

I recieved in the mail a credit card statement from Capital One with a XXXX   balance and a due date of XX/XX/20 for an account ending in XXXX. I do not, nor have I ever had a credit card account with Capital One. I called the customer service number on the statement ( XXXX ) and reported the problem. The agent said that I had to give him my 9 digit Social Security number in order for him to resolve the issse. When I refused, he said that there was nothing he could do for me without it. Since I am not, nor have I ever been a Capital One customer, I don't understand why they would need my Social Security number or how it could possibly help them resolve an incident of fraud. ( They also asked for my date of birth which I gave them ).