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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX  XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$810.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Proficio financial services were asked of the contract binding me to the debt that all pro tree care tried to coerce me to pay a debt I dont owe. 
All XXXX XXXX XXXX  and Proficio financial services try to coerce me to pay for a debt I never agreed on. 
I filed Identity theft report with the us government because they are trying to coerce me to pay for the debt I dont owe. 
They are destroying my credit. 
I will be seeking a legal help from an attorney because they are ignoring my request to stop reporting this on my credit report. 
There is no agreement or contract binding me to the false debt. 
All they provide is an invoice that I never agreed on and I never acknowledged.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING 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 BANKING 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 BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have provided police reports and identity theft reports to have a fraudulent XXXX XXXXXXXX account ending in XXXX removed from my credit report I did not open this account and have no knowledge of it I have provided all required documentation as required by the Fair Credit Reporting Act with no resolve
Product: Vehicle loan or lease

its been a long way trying to fix this problem with this people but all they did made me lose my money and waste my time.Firstly On XX/XX/XXXX they received a check from XXXX XXXX dealer about a gap cancellation .insteed that money go to the principal they took that as a payment. charging interest .we claim for that but that was worse when they fixed they changed the payment day as I have not made payment for the last month charging me high interest .I called them on XX/XX/XXXX th because they send rowng stayment and were charging me XXXX dollars of interest they told me that was rowng and all is going to be ok todat after payment they took everything of interest and say the same of always leave a claim and wait for at least three days and again and again
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : 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: Checking or savings account

I fell victim to fraud in XXXX of 2022 I got an email from what I thought was a trusted bank email, asking me to resolve an overdraft fee. I gave them access to my account after a series of emails and they asked for my address and date of birth Once I gave them that I was no longer able to get in contact with them. So I was expecting to see the overdraft fee waived, but after about 3 days my account was locked and I received an email from the actual bank saying that they discovered some fraudulent activity from my account. I brushed it off because I haven't used the account since I overdrafted the account.
Product: Credit reporting or other personal consumer reports

I was alarmed to find an unauthorized inquiry on my credit report today, and I dont understand how or why it appeared. I regularly check my report, and this has never happened before. I even tried refreshing my browser to rule out any errors, but the issue persists. This is beyond frustrating, and I demand an immediate resolution. I urge you to carefully review the documents I submitted so I dont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase Bank and XXXX/XXXX XXXX XXXX XXXX credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by JPMorgan Chase to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since JPMorgan Chase is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter JPMorgan Chase, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that JPMorgan Chase is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to XXXX XXXX XXXX  XXXX. Attached is the email from Chase notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX , XXXX as serviced by XXXX XXXX XXXX XXXX sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )
Product: Bank account or service

I received multiple conflicting information from your agents regarding a Clerical withdraw from my account. After an hour and a half on the phone with an agent and her Supervisor, XXXX. He explained that there was a system error on SECU 's end and that it was fixed by an agent withdrawing {$67.00} from my checking out. XXXX first said that somehow I put my mother 's SAVINGS account in the negative to transfer the money into my account, I explained to him that I have been banking with y'all for five years and that this is not possible. SECU does n't even allow savings accounts to be below {$25.00} unless all accounts are closed out. XXXX 's story then changed to my account was credited the {$67.00} but my mother 's savings account was not debited the {$67.00}. I asked how could this happen, XXXX did n't have a straight answer for that. I should mention that this began with debiting my mother 's account {$67.00}, crediting the amount back, then debiting the account again. These XXXX transactions are visible on my account but only XXXX debit and XXXX credit is visible on her account. I was why was n't a notified of this immediately when they took the money out of my account, XXXX 's exact words were " SECU has over XXXX XXXX customers. I do n't think they have time to notify every single customer ''. So now I 'm to think that my accounts do n't matter in the large picture. XXXX was really unsympathetic and had no empathy at all, the error came from SECU 's end and I was made to feel like it was my fault! The agent before XXXX even mentioned " well you only get XXXX transfer a month you know ''. I did not ask for that information and it was the way it was said. There was not XXXX apology during the entire hour and a half. I am extremely displeased with this whole situation and the customer service. I wish I had gone with a larger bank. I thought having a SECU account would give me a more personal experience but wow I was very wrong. I still really do n't understand why the {$67.00} was withdrawn from my account. When I asked XXXX if this issue could be escalated to Corporate, he said " well you can call back Monday and talk to my manager '', I said " XXXX, so you 're telling me that you ca n't escalate this to corporate? ", XXXX then said he could send an e-mail to them. Then had the audacity to ask me what do I want the e-mail to be about in a very condescending tone. I started to just hang up at that point but I told him that I wanted everything that happened put in the e-mail. I have no idea what he actually put in the e-mail or if he actually sent one. I really ca n't believe that this is the level of customer service I received from a SUPERVISOR. It 's not exactly a good feeling when your bank makes an error, manually withdraws money out of your account without any notification, then does n't take any responsibility for the error and does n't apologize at all. This experience has left me with anticipation to move back to college in the Fall and cancel all of my accounts with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to formally advise that PORTFOLIO RECOVERY ASSOCIATES , LLC has violated several of my consumer rights. Specifically, PORTFOLIO RECOVERY ASSOCIATES , LLC has failed to validate a debt at my request, which is a violation to the FDCPA 15 USC 1692g - Validation of debts. I requested this information on XX/XX/2022 ( XXXX XXXX # XXXX ) when I sent a validation request to PORTFOLIO RECOVERY ASSOCIATES , LLC. PORTFOLIO RECOVERY ASSOCIATES , LLC responded with a letter stating they are the new owners of the account. Also, according to the FCRA, PORTFOLIO RECOVERY ASSOCIATES , LLC has committed a violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences. That is only one violation according to the FCRA that is being committed, there are several. Another is 15 USC 1681 under ( a ) Accuracy and fairness of credit reporting. Not only is this account being reported without my permission, it also has incorrect information. For one, it says it's in collections but has a balance. These violations are damaging my reputation and have prevented me from three very good deals on investment vehicles. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any of these options to opt out nor were any of my options explained clearly to me. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC ignored my prior requests for validation of debt but PORTFOLIO RECOVERY ASSOCIATES , LLC continues to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should PORTFOLIO RECOVERY ASSOCIATES , LLC again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I would also like to seek damages from PORTFOLIO RECOVERY ASSOCIATES , LLC for these violations. Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau, I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my identity theft dispute. Despite providing TransUnion with my FTC Identity Theft Report, along with supporting documentation, they have refused to block fraudulent accounts or remove inaccurate information as required under Section 605B of the FCRA.

TransUnion has violated my rights under several provisions of the FCRA, including : 1. Failure to Provide a Method of Verification : Under Section 611 ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide the method of verification used to certify the accuracy of disputed accounts. Despite my requests, they have failed to supply this information.

2. Failure to Conduct a Reasonable Investigation : Under Section 611 ( a ) ( 1 ) ( A ), TransUnion is obligated to conduct a thorough and reasonable investigation of disputed items. However, they have relied on superficial processes and boilerplate responses.

3. Failure to Block Fraudulent Accounts : TransUnion 
has refused to block fraudulent accounts listed in my FTC Identity Theft Report, as required under Section 605B ( b ) of the FCRA, even after I provided a clear and legible hard copy of the report with the FTC report number via U.S. Mail.

Additionally, TransUnion has refused to correspond with me via U.S. Mail, despite my repeated requests. Instead, they continue to send emails with links to access results that are often non-functional, further obstructing my ability to resolve this issue. 

The following fraudulent accounts remain on my TransUnion credit report : XXXX XXXX  Bankruptcy XXXX XX/XX/year> : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusal to comply with their legal obligations has caused significant harm to my creditworthiness. The lack of transparency regarding their verification methods and the failure to block fraudulent information demonstrate systemic negligence.
Product: Credit reporting or other personal consumer reports

I found several discrepancies in my credit report, where late payments were recorded inaccurately. Kindly correct these errors and update my account information. Thank you!
Product: Money transfer, virtual currency, or money service

I filed a claim with PayPal on XXXX XXXX for XXXX. I received provisional credit. On XXXX XXXX. I received an email stating my case was closed and was decided in my favor. That credit was permanent. On XX/XX/XXXX, I then received another email stating I closed the case and the funds will be reversed. Its no way possible I can close a case that was closed since XX/XX/XXXX and ruled in my favor. Now my account is in the negative. I also contacted PayPal about my PayPal debit card being closed with no explanation. Ive called numerous times about this and no explanation was given.
Product: Credit card or prepaid card

Synchrony Bank is the worst of the worst with regard to maintaining and assisting customers with their internet portal. I have consistently tried to make payments and log onto their sites repeatedly with no success. When I call I get that apologetic XXXX who says they will forward on my complaint. This Bank needs to shut down. If they can't respond to their customers in a timely fashion and always. I am taking the action of paying out these small debts and then cancelling anything to do with Synchrony bank.
Product: Mortgage

Lakeview Loan Servicing LLC a subservicing by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX. 
This company owes me the escrow balance in the amount of XXXX. The loan was payed off and recorded as payed off on XX/XX/2020. Over seven months later they have yet released the balance of the escrow money. I have sent inquiries through their on line service with not even a substantive reply. I even ask my congressman to inquire on my behalf. Nothing no reply. The escrow balance is due to me
Product: Money transfer, virtual currency, or money service

Navy Federal reported there was no fraud noted in XXXX of 2021 when a XXXX transfer of {$290.00} was sent from my account to another. 
Within 24 hours of the transaction my XXXX account was restricted due to fraudulent behavior noticed by XXXX, before a report was made on my end. 
Navy Federal stands by its claim that no fraud was committed, refuses to perform a charge back to the original account, refuses all calls from my phone number regarding my issue, and refuses to speak with XXXX in any attempt to unrestrict my account.
Product: Student loan

I am being bombarded with phone calls from Navient! AND, I 've never had a student loan in my life! They have mixed me up with another person with the same name and the same city. I have asked them many times to remove my number to no avail. Please help me get this straightened out.