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

On XX/XX/2023, I became the target of an elaborate and deceptive phone scam. The scammer, posing as XXXX XXXX XXXX from the XXXX  XXXX Police Department, falsely claimed there was a warrant for my arrest due to missed jury duty. They skillfully manipulated the situation, pressuring me into believing that immediate payment of {$1500.00} was the only way to avoid arrest. Trusting the authority of the supposed officer, I transferred the amount via XXXX to a purported XXXX XXXX, XXXX XXXX. 

Upon realizing the fraud, I took immediate and prudent steps to protect my assets. I promptly contacted XXXX XXXX at XXXX XXXX XXXX, explicitly instructing them to secure my account against any unauthorized transactions. Shockingly, despite their assurances, XXXX XXXX failed in their fundamental duty to safeguard my account, resulting in the unauthorized debit of {$1500.00}. This failure occurred even after I had clearly communicated the risk and urgency of the situation. 

My attempts to rectify the situation through proper channels, including reporting to the XXXX  XXXX Police Department ( XXXX XXXX. XXXX ) and XXXX, were met with a stark and distressing lack of support from XXXX XXXX. Their response was not only inadequate but also negligent, leaving me exposed to financial loss that could have been prevented with basic diligence and prompt action. This incident has not only resulted in a significant financial setback but has also shattered my trust in XXXX XXXX 's ability to protect their customers ' interests and funds. 

See attached documentation for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint about this account as it appears to be in paid status in XXXX with XXXX balance. XXXX XXXX ( reports derogatory in XXXX and Equifax ), the date last reported was on XX/XX/2021 the update might not be reported correctly. XXXX  XXXXthe status of this account is paid with XXXX balance on XXXX and XXXX ( reports derogatory in Equifax ) the date last reported was on XX/XX/2021 the update might not be reported correctly. This affects my status to establish good credit. These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. Equifax, XXXX  and XXXX
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX XX/XX/XXXX, A XX/XX/XXXX Sonata. Regional Acceptance financed the vehicle for XXXX months at 16 percent interest. I have had the car for 4 years making monthly payments of XXXX. As of today XXXX payments have been made totaling XXXX dollars. Regional Acceptance says I still owe XXXX on the loan, which is not correct and impossible for a loan that is 48 months into the XXXX month term.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I talked to several reps at XXXX, XXXX, Equifax Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than 12hrs without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Some one open up a credit card in my name in, the creditor is XXXX XXXX  XXXX XXXX Fist report open XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX I am currently XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Product: Checking or savings account

On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.
Product: Debt collection

I have not had a XXXX account and to see a collection from them is surprising. 
I have not recieved any letters in the mail or phone calls? just seen this on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a repossession in XX/XX/2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.
Product: Credit card

This all started on XX/XX/year>. I had a business account through XXXX and I would run at least 3 ads that year, which I used my Chase business credit card. On XX/XX/year>, XXXX permanently closed all of my accounts, personal and business for good. I no longer had access to any of them. When I went to make a payment on my Chase business, there were a total of 34 transactions from XXXX Ads starting on XX/XX/year>. I immediately called Chase and asked why these charges were not caught in advance and their response was that they do not monitor the account and that it is my responsibility to catch these. I immediately cancelled the card and disputed the charges. She removed all the transactions. I thought this was taken care of until I went to pay on the next statement and Chase had put all the charges back on my account. Their reasoning was because XXXX told them that they had my name and email ( which XXXX requires this information in order to set up any type of account ), therefore it was me authorizing these charges. In my continue fight to explain that I had no access to XXXX as of XX/XX/year>, I could have not been able to authorize 34 transactions. So, I had to re-dispute the charges and write a letter to Chase dispute. I sent them my dispute, the email I sent to XXXX inquiring about my account on XX/XX/year>, and the screenshot I told of the only explanation XXXX gave me when trying to access my accounts. After many weeks of waiting and calling, Chase credited 2 transactions that totaled {$30.00} and I was told the rest of the charges are my responsibility because again, XXXX had my information even though I showed proof that I didn't have access to XXXX XX/XX/year>. Chase explained that these charges didn't look like fraud to them, even though I never had any type of activity like this since I have been with Chase. I asked how do I continue to fight these charges when I know for a fact they were not me. Chase said they would have to have it come from XXXX that these were fraud charges. I have tried contacting XXXX my email and they do not respond and they do not have a phone number to where you can actually talk to a live person. I have closed my account with Chase since I can no longer do business with a company like that and also was forced to pay for these charges so I wouldn't collect interest and/or eventually ruin my credit. I am asking that someone please help because I don't know what else to do and feel like a victim who can't receive justice.
Product: Mortgage

Wells Fargo, mortgage manipulation of my FHA loan. 

I have made as many as 15 estimated phone calls to Wells Fargo to have the Mortgage Insurance removed from my loan after I paid the amount down to achieve the required LTV ratio. They keep telling me on the phone that they will do this and it hasn't happened. 

The extra money that I have paid them is repeatedly put into an " Un-applied Funds Category ''. 

My payment should be for a lesser amount and no Mortgage Insurance included in it. They take my calls but keep misleading me as a customer. 

The event should be that I have a new mortgage payment that is at 78 % of the original loan for the 3.875 % interest rate. Further that there is no longer mortgage insurance in the payment. 

The bank won't do what is required by law, and manipulates the account to their advantage. All of my additional payments I have sent in the past years continues to go into the Un-Applied Funds category. With this type of process they do not let me pay down my principal and charge me the interest on the loan when they pay themselves. 

Additionally they are not reporting my payment history to the credit bureaus and it is showing no payments.
Product: Mortgage

In XXXX to XXXX XXXX XXXX XXXX, on XX/XX/XXXX Complaint XXXX XXXXXXXX. I received Email from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Ombudsman on XX/XX/XXXX stating that research into my complaint was ongoing. 
But, It seems XXXX XXXX is in error, investigating a XXXX on a house in XXXX 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account Number XXXX And, in this email, seems to think, I XXXX XXXX have something to do with this mortgage. I have never bought, nor have I ever resided in the XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried calling BBVA over 15 times and I still do NOT have a resolution for over {$1100.00} worth of charges and foreign transaction fees. The customer service agents have such a thick accent and speak so fast that I was not able to understand half of what they were saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with inquiries I did not authorize and would like to have them deleted from Transunion
Product: Credit card

i satisfied my debt with this company through the collection agency that they tranferred my account to
Product: Debt collection

A continuous report is being done on my credit for an account I never created or used! Ive stated several times that I did not apply for any credit cards and someone stolen my identity. The company continues to put negative reports on my credit!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a XXXX in store credit card through Synchrony XXXX. My original starting credit line was {$1200.00}, they decreased the credit line to {$700.00}. Then I get a letter in the mail stating that my account had been closed. My payment history with all my creditors are good, I may be making minimum payments but have not been 30 days late. I am very upset because now my credit files are going to reflect a closed account that had good payment history!
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, 15 USC 1681s-2 STATES THAT A CONSUMER REPORTING AGENCY SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER IF THE CONSUMER KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. I HAVE MULTIPLE ACCOUNTS THAT ARE INACCURATE ACCORDING TO TAX LAW XXXX6 USC 61 SECTION XXXX STATES THAT DISCHARGE OF INDEBTEDNESS IS CONSIDERED TAXABLE GROSS INCOME PER THE IRS CLEARLY DEFINES A CHARGE- OFF AS GROSS OR ORDINARY INCOME AND INCOME DOES NOT GET REPORTED TO A CONSUMERS CREDIT REPORT, WHICH MAKES THIS INFORMATION INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR ALL NEGATIVE ACCOUNTS. ALSO, I HAVE NO KNOWLEDGE OF ANY OF THE INQUIRIES AND COLLECTION ACCOUNTS WHICH MAKED THIS INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR THOSE ACCOUNTS AS WELL!
Product: Credit card or prepaid card

12 U.S. Code 83 - Loans by bank on its own stock U.S. Code Notes prev | next ( a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. 





Offset the balance. Bring it to {$0.00}. Leave the account opened. 

Open-ended, No limit. 

I express my intent, per law. But I would like to bring the balance to 0 according to US code 15 U.S. Code 1666 and also due to the fact that banks do not lend according to ( 12 U.S. Code 83 ) I know that this Is doable. Also I would like my late payment removed from all credit reports as well due to the fact I have a history of paying on time with XXXX  thank you
Product: Credit reporting or other personal consumer reports

XXXX I've responded a few times. I even informed the person I spoke with initially that I am fighting this.He informed me he would note that in my file. I have also filed a fraud charge with my local police department and informed you of that action. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not made aware of a balance due of {$99.00} on my Kohl  's  card until I received notice by my credit tracking service ( XXXX  ) in XX/XX/XXXX. The amount showed as {$190.00}, which was not familiar to me. This reporting by Kohl 's caused a large drop in my credit score. I have always paid my bills on time for all accounts, and this reporting dropped my score from 800+ down by 60 points or more. I called Kohl 's on XX/XX/XXXX and let them know that this amount did not look familiar and that I didn't recall receiving any notices of this amount, and that I have always been an exceptional payer. After several requests, the representative was finally able to tell me that it was for a {$99.00} purchase in XXXX, and that multiple late charges had been added to get to the {$190.00} total. I reiterated that I had not received any notices on all of this activity. I asked if I was to be getting notices via e-mail or through regular mail. There was some confusion as to how, and I am still not clear if I am to get things via e-mail or regular mail. In addition, I discussed the inundation of advertising and marketing materials from Kohl 's that are confusing. 

I was told by the representative that if I made the payment that day, they would reverse all of the late charges. I further asked if the late/derogatory reporting to the credit bureaus would be pulled back, and the representative said it would be taken care of. I made the payment in good faith that day via a draft on my bank account. To date, this has not occured. I have reached out to Kohl 's on this, as well as filing disputes with all 3 credit reporting agencies, which are still in process. I received a letter yesterday from Kohl 's where they said that " they have determined that the information previously furnished to the credit reporting agencies is accurate '', without further comment on the specific circumstances I shared. This is not consistent with the reversal of the late charges they made and the affirmation by the representative that the late/derogatory reporting would be corrected. This would be appropriate in this situation given lack of notifications received on a balance due and additional charges added, confusion around how I was/am to receive information, glut of materials sent out via e-mail and regular mail and my exceptional payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.