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

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit card

I have XXXX fraudulent charges on my credit card. 

XXXX - {$200.00} XXXX 's {$200.00} XXXX XXXX- {$350.00} I have disputed these transactions 3 times and each time they close the account and send a new card. Once that is done they are transferring the fraudulent charges to the new card and saying the dispute was done on the old card so they would have to do a whole new dispute which includes them cancelling the replacement card and sending out a 3rd replacement card. They are giving me a looped run around over the phone. Each time I call I am being transferred to 4-5 different agents and when asking why the disputes are not taking place properly that is their reasoning given. They are also allowing this to go on so long that I am also being charged interest fees with the fraudulent charges included. My cards limit was {$3500.00} and they have allowed that total to climb to {$4500.00} including allowing the fraudulent charges to go through after the XXXX limit was reached. They are now making it as difficult as possible to dispute the fraudulent charges.
Product: Bank account or service

I was charged a overdraft fee of {$36.00} by BBT Bank when my available balance was more that the amounted debited from my account. My posted balance was not so that is why the overdraft fee was charged according to BBT. However had I used my debit card for the same amount it would have been covered and NO overdraft fee. This is just a way for BBT to make extra money off consumers. What is really crazy is I made my deposit in cash at their ATM at XXXX and that was to late for them to post CASH to my account but it was showing in my available balance. Every other bank if you make a cash deposit anytime it is posted and available to use. This is totally just away for big bank to make extra money of the consumer.
Product: Debt or credit management

I want them to cease all communication regarding the alleged debt that they are attempting to collect from me. This includes phone calls, letters, and any other forms of contact. I did not approve of this and they continue to call me constantly, multiple times a day. Also leaving leaving voicemail and text messages saying they will garnish my pay. At this point its harasing
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made and I am now reporting these as fraudulent activity to be handled immediately. I have filed an FTC report and contacted the companies as well. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I contacted the Creditors, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Vehicle loan or lease

Recently bought a XXXX XXXX XXXX via KIA finance. 
The due date for the first payment was XX/XX/XXXX. 
I tried to set up direct deposit. Set up seemed successfully.

I scheduled the payment on XXXX. 
There was an attempt from KIA to withdraw funds on XXXX. For some technical reason - the transaction didnot go through. The error was " INSUFFICIENT FUNDS '. 
I immediately completed the payment with debit card prior to XX/XX/XXXX. 
Despite paying on time, I was charge an " insufficient funds fee '.

When I called the KIA FINANCE and tried to tell them that there were enough funds [ I was willing ti support with bank statements ] and that it was technical error. KIA refused to acknowledge that it was technical error and charged me {$25.00} for insufficient funds.

It is outrageous to charge for insufficient funds when the actual payment was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to complaint XXXX filed by me to the cfpb per their response equifax connects with XXXX XXXX and XXXX XXXX connects with pacer PACER. serves as the way for persons or organizations to obtain case information electronically instead of requiring those same persons or organizations to visit the courthouse physically to view a case file. 
Because court records ARE public, any person or organization can view them through the PACER system Equifax is in violation of the fair credit reporting act because Equifax did not verify directly with the Bankruptcy court. 
Pacer.gov is a third party entity that collects information and then sells the information to Equifax and other credit reporting agencies. 
Under the fair credit reporting act any information must be 100 % accurate If a bankruptcy court is not placing information on my report that becomes an automatic inaccuracy because the information was placed on my report by a third party pacer system. I feel I am a victim of scrutiny.
Product: Mortgage

FORBEARANCE from the pandemic has now turned into a foreclosure! My payments were current each and every month until XXXX of 2021. I applied for forbearance and was granted a forbearance. I extended the forbearance another 90 days to XX/XX/2021. I had requested to exit forbearance this month in XX/XX/2021 as I was offered a solution of a reduced interest rate to 2.58 % and extend the loan term to 40 years. I have recently been informed that my loan is in foreclosure and I owe nearly {$19000.00}! The mortgage statement for XX/XX/2021 also reflects that XXXX and XX/XX/2021 were included in the forbearance, yet I did not request forbearance assistance until XX/XX/2021. 

My good credit rating does not exist anymore and this is not how the forbearance is supposed to work.
Product: Debt collection

On XX/XX/XXXX, I received a call from Genesis Credit Management, specifically an individual named XXXX XXXX. He called to tell me that I owed $ XXXX for a judgment that was already settled. When I advised him that I had an attorney who was retained & told him the first name of my attorney ( I was so stunned at his aggressive & threatening tone that I forgot the last name of my attorney ). He then began literally mocking me, saying " yeah, right. Everybody has an attorney. Just pay your bill, I know you don't have an attorney. '' I, again, stunned at his open mockery, told him that he can not talk to me like that. He again aggressively demanded that I just pay the money, that he knew I didn't really have an attorney. I tell him that, as an attorney myself, I knew my rights & that I would be filing a complaint against him. Mockingly, he says, " oh really, with who. '' I say a consumer protection bureau & he again mocks me, tells me just to pay the money I owe. The entire experience was not only humiliating, but horribly offensive. I have received no billing from Genesis Credit Management & no other indication, other than this horribly offensive, aggressive & threatening conversation with Mr. XXXX, that any amount is owed. After demanding to speak with his manager, she seemed somewhat more helpful, but I still dispute the validity of this debt. I gave her the phone number for my attorney & was FINALLY advised that since I had indicated that I was represented by an attorney, they have to consult with him.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable with ( Original Creditor : XXXX XXXX XXXX XXXX ), I do not have a contract with SYNERGETIC COMMUNICATION. They have not provided the original contract as I requested. They are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to request a credit limit increase and the agent refused to process it for me. Lastly, I noticed my credit report shows a delinquency on my two accounts ending in XXXX and XXXX. On the account ending in XXXX, it shows for XXXX and XX/XX/XXXX. On account ending in XX/XX/XXXX. 

If you require my orders to document, please let me know and l will forward to you as proof. 

To the best of my knowledge this occurred when we were relocating on XXXX XXXX military orders to and overseas.
Product: Checking or savings account

Wells Fargo bank closed my account and took over {$5000.00} without my consent A person named XXXX from the exit Ive office and a person named XXXX assigned as case manager were involved. 
No one can explain where my money went and why
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as a result of identity theft following a recent data breach. This has led to unauthorized accounts and inquiries, negatively impacting my credit standing.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, re-inserting any previously deleted fraudulent accounts violates the FCRA and is prohibited under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). 

You previously deleted XXXX XXXX Account Number : 8911 ( see attached proof ), and Equifax is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) To support my claim, I have attached the following documents, which have been accepted by other credit bureaus for the removal of the fraudulent accounts and inquiries : Notarized Identity Affidavit FTC Identity Theft Report ( Criminal Complaint # XXXX ) Proof of Address Social Security Card Proof of Removal from Other Credit Bureaus I have also included proof of my status as a victim of the Equifax XXXX XXXX, which contributed to the misuse of my personal information
Product: Debt collection

In response to the communication I received concerning my debt validation inquiry directed at Merchants and Medical Credit, I expressed dissatisfaction with their provided response. I articulated that the sole semblance of evidence presented, a signature inconsistent with that on my government-issued identification, fails to adequately confirm my identity. Subsequently, I reiterated my request for comprehensive information, specifying the following : 1. The precision of the data furnished by Merchants & Medical Credit.

2. Verification of the debt, inclusive of substantiation of ownership and legal authorization for collection.

3. A comprehensive payment history, delineating all transactions and associated charges.

4. Elaborate particulars regarding the original creditor, encompassing the account number and the initial owed amount.

5. Any supplementary documentation or corroboration buttressing their position.

Their rejoinder asserted a refusal to furnish additional information. In adherence to the Fair Credit Reporting Act ( FCRA ), I contend that their inability to substantiate the veracity of the debt necessitates its expunction.
Product: Mortgage

XXXX XXXX Disrupted Leading into XXXX, oddly, I was on my third attempt working with a realtor to sell my home. During one attempt in particular, the realtor was unable to sell the home. The realtor simultaneously refused to release the home from the realtor contract preventing me from listing with another realtor!? The aforementioned real estate office is no longer in business. 
I believe I was directed away from working with a reputable realtor or any other process that would require a title review or a legal review because it would have revealed that the mortgage was indeed discharged. Instead, I was forced into the foreclosure process which has discretionary discovery but not the hard requirement of a title professional or the like which would have revealed that the mortgage was discharged.

All the while, different entities were sending collection statements/requests, which were visually similar to mortgage statements, that are not affiliated with the property or in any way required; XXXX XXXX XXXX XXXX XXXX XXXX  ( including all banks following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Shellpoint NewReez XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). 
Eventually after I stopped paying the questionable statements, XXXX XXXX XXXX XXXX filed a foreclosure complaint without any known standing to do so. 

XXXX XXXX XXXX XXXX  of the attack I experienced was what I refer to as a XXXX XXXX XXXX which is where the perpetrator ridicules the victim as a ploy before asking for money as if the victim is curing their shame by paying. During calls and inquires there werent many answers being given but more shaming & blaming leaving the situation not only unresolved but the conversation usually ended with a demand for payment. 
The purpose of the attack was to make someone uncomfortable, make someone want to move out of their home without due process, such as in the case of a foreclosure proceeding or private sale outside of the review by a title professional or the like. 

Misinformation Many of my friends, family and coworkers have received concerning phone calls related to me. These calls dont accuse of anything but rather leave the recipient with questions about what might be concerning me. For example, a family member received a call regarding the foreclosure ( not from the court ) insisting the family member locate me and ask me to call them. The family member questioned why the caller did not locate me using the same process they used to locate the family member. The family member also questioned what the family member has to do at all with the foreclosure. 
I believe the call was not from a concerned individual looking for me but an attempt to sow discord with a friend, family member or coworker. Actions such as these have affected my ability to work and have certainly contributed to the difficulty. 

XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Orignal Claimer ) Account Number : XXXX
Product: Checking or savings account

XX/XX/2023 I opened a savings account with Marcus by Goldman Sachs. I transferred {$720.00} from my XXXX XXXX XXXX  savings account, and {$420.00} from my XXXX XXXX XXXX checking account. This gave me a balance of XXXX. Shortly after, I realized I had a purchase I needed to make, so I decided to transfer {$150.00} back into my checking account. I tried to initiate the transfer, but after 2 business days, it was reversed and my account was locked. 

I called to see what was going on with my account, and was told that the funds had not settled, and I had to wait a week for them to verify the money I had deposited into the bank. 

I did not like the fact that my funds were not available immediately like at my previous bank, so I made the decision to close my account. I have been trying to do so for almost two weeks now and they refuse to give me my money back. 

The first time I tried to close my account, I once again called late at night and was told that there was a hold on my account, and the department that needed to lift it hold was closed, and that I would have to wait until morning to call again. I called that morning and was told that I had to once again wait for my funds to settle in order for me to close my account. 

Once the funds had settled, I tried to transfer {$1100.00} ( my entire balance ) out of the Marcus account back into my XXXX XXXX XXXX XXXX and the transfer was reversed again and my account was once again locked. I called to figure out what the issue was and was told that the department I needed to be transferred to was closed. 

I once again called that morning and was transferred to a specialist who was supposed to be able to manually close my account, and give me back my money. After speaking to her, she said that the funds had to be divided and sent back to the respective accounts they came from.She lifted the hold and I sent two transfers out of Marcus to those accounts. Today I checked the update on the transfers and theyve once again been reversed, and my account is locked again. Im fed up and I am considering this as fraud and a blatant refusal to give me back my money. 

Ive read in some places and have been told over the phone that there is a 90 day limit to withdrawal money, but if thats the case then 1, why does it say I have available funds in the amount of {$1100.00}, and 2, why was this not disclosed when opening the account.
Product: Credit card

I refinanced my house in XXXX. The title company mailed a check in the amount of {$2500.00} on XX/XX/XXXX to XXXXComenity Bank to pay my account off. In XXXX, after I continued to receive calls to make a payment, I submitted a dispute with XXXXComenity which included a copy of the check that was cashed. I received a letter from Comenity dated XX/XX/XXXX stating that it could take up to 90 days to complete the investigation. I have not received any further communication. I called them on XX/XX/XXXX and was told that my dispute was closed and that I now owe them {$3100.00}. My credit report is showing this as a late and unpaid account which lowers my score and makes my insurance and other things more expensive.