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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX  XXXX.
Product: Checking or savings account

In XXXX and XX/XX/2023, my US Bank checking account had an array of fraudulent transactions occur, which essentially wiped out my checking account. The total amount of fraud was between {$35000.00} and {$40000.00}. There were XXXX ( XXXX ) XXXX XXXX withdrawals, each in the amount of {$3900.00}. Then, there were multiple " in person '' counter withdrawals across a variety of Ohio locations while I was in XXXX and nowhere near Ohio. Due to US Bank freezing, and ultimately locking the account, I can not access the account to provide ALL of the withdrawal dates and amounts, but the ones that I recall are here - {$4500.00}, {$4500.00}, {$8600.00}, and {$9000.00}. Given that these were withdrawn within US Bank storefronts, there should be video surveillance of the thief ( thieves ), as well as their signatures and other likely personally identifiable information. As soon as these fraudulent transactions were brought to my attention, I immediately filed individual claims with US Bank. Subsequent to that, I was told that I MUST return to North Carolina to reopen a new checking account, as well as RESUBMIT ALL fraud claims. With the assistance of the branch XXXX, XXXX XXXX, I opened new checking accounts, as well as refiled all of the fraudulent claims. As of today, XX/XX/2023, XXXX Bank has had NO PROACTIVE communication with me, nor have they processed the claims, nor refunded my funds. I have called, emailed, and called some more, reaching out to the XXXX, XXXX XXXX, as well as US Bank 's toll free numbers, but to no avail. XXXX Bank owes me those funds, as they are federally insured, as well as due to their lack of proper internal controls within the branch locations which allowed for these withdrawals to occur.
Product: Mortgage

Received notice my mortgage payment was changing from {$1400.00} to {$2600.00} due to a shortage in my escrow account for County Taxes.My mortgage payment does not include County Taxes as an escrowed item, as when I closed on my loan I had an escrow waiver for condo insurance and property taxes. The ONLY escrowed item allowed to them to service is FLOOD insurance and that is only because Federal Law allows them to demand it be escrowed. I demand written response that my payment starting XX/XX/year> will NOT include any changes due to County Taxes or Condo insurance since Mr. Cooper as Mortgage servicer does not have the right to now assume my tax or condo insurance payments beyond FLOOD insurance Since my flood insuance has not gone up, and since I will have {$950.00} in my escrow after my XXXX XXXX XXXX payments are made, there should be no increase in my monthly payment. My flood cost is still anticipated to be {$900.00} for next year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX XXXX, and the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX on XXXX XXXX on Experian. XXXX account # XXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed several disputes with XXXX dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX has admitted that they do not have any information to validate that I am truly liable to a debt, yet XXXX  says they have it and will not send to validate the debt.
Product: Student loan

When student loan repayment restarted in XX/XX/XXXX I never received notice of my monthly bill. In XXXX I had returned to school but planned to keep my loan active since I am working full-time at a XXXX and XXXX the XXXX program. When I reached out in XXXX about my payments they stated they put me in automatic in-school determent despite my old loans and new loans being separate. I asked to be taken out of deferment and started making payments. I also set up auto-repay. They wouldn't allow me to pay XXXX and XXXX so they could count toward XXXX despite being will to pay and having worked full-time at a qualifying employer. Now I find out that they cancelled my auto-pay and did not withdraw money in XXXX or XX/XX/XXXX and AGAIN put me in deferment. That is ANOTHER 2 months I will lose out toward XXXX. This is a nightmare.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX BANK XXXX XXXX XXXX
Product: Debt collection

XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option above
Product: Mortgage

My mortgage was sold XX/XX/XXXX. I made a payment on XX/XX/XXXX and received a confirmation number from Newrez. Money was not taken out of my account after many days. Called company and was advised not to worry. Went online and said my payment was posted on XX/XX/year> and next normal bill was due on XXXX. Now on approx XXXX I get a bill stating due date was XX/XX/XXXX and account is two months behind. Extremely upset. I called Newrez and they are telling me that I put in the wrong bank account info and it never went thru. I feel it didnt go thru because of the transfer and not an error I caused. Was belittled by customer service not accepting any responsibility and now am worried this will affect my credit. I never had an issue with my previous mortgage company. Awful customer service
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not accurate XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my 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 XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY MOVED TO XXXX TEXAS IN XX/XX/XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM XXXX  AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.
Product: Mortgage

We have an insurance claim check from a settlement that was due final payment weeks ago after passing the final roof replacement inspection on XX/XX/2023. It was to be XXXX overnight but never was. The company was supposedly bought out and our mortgage and claim funds transferred even though part of the new company has the same name ( New Rez Shellpoint ). Weeks later, still no final disbursement has been mailed out, our bill is due to the roof company, the new mortgage company is nearly impossible to get through with long wait times, lots of transfers to different representatives, relentless identity questions and still no details on when the final check will be mailed or contact information on how to directly get a hold of the responsible department. This should be criminal and in my opinion the mortgage company is trying to delay payment for interest accmulation purposes.
Product: Credit reporting or other personal consumer reports

The folowwing XXXX accounts from affirm inc have been fraudulently opened without my knowledge i am unaware of these XXXX accounts they are not mine. 
XXXX  XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$77.00} XXXX  XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$790.00}
Product: Credit card

A few months ago, I unexpectedly had a backdated property tax increase result in my mortgage payment doubling. This resulted in me falling behind my credit card payment by one month. I called Citi to discuss my options and was encouraged to sign up for a payment program, which I ultimately did. This hardship was temporary- which I expressed very clearly during the call. 

After being placed on the program ( XXXX XXXX ), I was informed ( XX/XX/XXXX ) that a separate citi account would be closed. When I enrolled in the program, the agent did not at any point inform me there would be negative consequences to other Citi accounts- if they had, I would NOT have agreed to enroll. I would have let it go behind one more month and then caught up the payments without a program. 

I feel this was intentionally misleading and harmful. Now that another account is closing without my consent, my credit score will be impacted - not to mention, its a XXXX account that I already paid the annual fee for - so essentially I paid an annual fee for XXXX for a card I cant even use because Citi is shutting it down? Thats insane. 

This is a terrible customer experience and intentionally deceptive.
Product: Credit card or prepaid card

I am filing a complaint against American Express for failing to respond to my dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My dispute concerns an error on my credit reports from XXXX, XXXX, and XXXX, specifically an inaccurate 30-day late payment reported in XX/XX/XXXX. 

I have ensured that my account with American Express has always been paid on time, and hence the error is an inaccurate representation of my credit history. I have requested American Express to correct the payment history for this account to avoid any negative impact on my credit score. 

American Express has been unresponsive to my dispute letters, which is concerning and has affected my ability to qualify for credit. It is frustrating to see this issue go unresolved despite my efforts to bring it to their attention.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Checking or savings account

Early XXXX of this year I was making a deposit at the atm, we had just had a bad storm the night before and it was very windy. I put my money in the machine it took it and then open back up my money went flying in the air I there was a young man next to me that pulled off and grab as much as he could while I was trying to get my card back out the machine long story short I could not retrieve it all i was XXXX short. I expressed that to the bank with a lady she told me the money would be in my account in 7 to 10 business days it wasn't then I went back up there they said she didn't even file a claim so they did then I was denied. The people in the bank said they have it on camera and they remember that day. I feel the bank should be able to help me I am a hairstylist and I always make large deposit at that location.
Product: Checking or savings account

The amount of the down payment I gave was {$2000.00} I asked for my money back the car do not drive for my young daughter endanger her cut off in the middle of the streets. No XXXX was giving on this car I had to buy it from XXXX and I was told from XXXX XXXX XXXX  it's a good reliable driving car all tire light pop on gotten that fixed at XXXX XXXX car windows don't roll down wind shield wiper fluid Don't come out the hose to wash the windows. Check engines light comes on odeth claim he brought car parts they fixed it wasn't nothing fixed the light came back on the car he say was under warranty that's a lie I had to get my insurance company to tow the car back to the company. The car is a total loss. On my XXXX report I ordered it was in accidents not a drivable car. You did farud you are a scammer
Product: Credit reporting or other personal consumer reports

A letter was sent to XXXX in regards to a bankruptcy that is being reported on my credit reports ; XXXX, Equifax, XXXX and XXXX every month this year ( 2024 ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the US Bankruptcy Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX NCS, A collection company that Ive never received communications from added an account that they had recently closed after I disputed. Same amount and original creditor. I had already disputed at the beginning of XXXX when the collection first appeared on my credit, I sent them two certified letters to request validation from. No response. Again, I had received no initial dunning notice or anything in writing from them.

Almost a month after I dispute, NCS adds {$1.00} to the accounts balance. I contact the consumer finance bureau to complain and after that, NCS closes the account. Just today i get notified on my credit reporting app that they have adding the same account that had been closed. Can they do this without having contacted me? I have not gotten any notice of the debt or my options. I have record of me trying to contact them and all of their updates they made before closing the original account. 

They have ignored my certified letters as of XX/XX/2021 I feel i have some right to the information of my alleged debt before paying it off, it says Im already late on a payment but I didnt set any arrangement with them considering weve never spoken.
Product: Credit card or prepaid card

An account was opened in my name with Synchrony Bank/Amazon. I never opened this credit account. Synchrony continues to remove the account from m credit report then reopen it with a different number and it pops back up on my report. My bank has done a fraud investigation and has deemed it to be fraud. Any money that was fraudulently deducted from my bank account has been returned to me by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau Experian to advised that my report was inaccurateXXXX XXXX shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.
Product: Money transfer, virtual currency, or money service

Coinbase has changed their vault setup without notifying their users. 

Coinbase used to allow multiple vaults for the same cryptocurrency. Now they only allow one. I currently have three vaults. I can see my other two vaults and I can transfer bitcoin into them, but there is no way in the interface to access them and transfer bitcoin out of them. This is a bug on Coinbase interface. 

I currently have more than one bitcoin vault, the bitcoins that are in my other vaults are now frozen stuck. 

When I go to the vault to withdraw, there is no drop-down to choose my other vaults. It defaults to one vault. It will let me transfer bitcoin into the other vaults that are inaccessible, but I can not withdraw bitcoin from those vaults. 

I have created a case on XXXX Several attempts to speak to someone. I created a claim, no response.