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

I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX XXXX works compliment of XXXX XXXX bank XXXX. XXXX XXXX bank XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 FOR XXXX XXXX ), XXXX XXXX  XXXX XXXX XXXX, XXXX bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mt past emails from XXXX  and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to google
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$9800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent a letter to Experian disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to Experian on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

I asked to see the contract that I signed stating these were medical bills that I owed ( had insurance ). They told me these were my debts and a contract was not needed to confirm this. I think that is against my rights as a consumer
Product: Debt collection

I constantly check my credit report and noticed that the errors are false misleading information from individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX
Product: Vehicle loan or lease

I was told by an agent on XX/XX/XXXX on a recorded conversation that I would not owe ANY payments on my loan until XXXX of XXXX. I confirmed with the representative MULTIPLE times during the phone call that I would not owe anything until XXXX. I called back the next day to confirm & was told by both agents that my account was current. 
My car was repossessed on XX/XX/XXXX, stating that I had a past due balance of over {$1000.00} and that I was 64 days past due which is impossible due to the fact I had already confirmed that I did not owe anything until XXXX. They said I could not get my car back without paying the full contract amount. I told them what the initial representative said, asked them to pull the call and escalate my situation. After 14+ calls they have lowered the amount, but they still will not allow me to get my car back unless I pay the past due balance of {$1000.00} and the repossession fees. However, there should not be a past due balance in that amount seeing that the initial representative told me I didnt owe anything for XXXX or XXXX & that I have already made the payment for XXXX and all I should owe at this point is the regular monthly payment for XXXX which I am willing to pay. 
Westlake is not holding themselves accountable for information that their representatives are giving customers, instead they have placed full blame on me and have not taken ANY accountability for their actions. 
On top of this, when my vehicle was being repossessed the repo company violated XXXX laws. In the state of MA repossessions can not happen on private property ( my car was parked in a residential driveway ). They coerced me into giving the keys by threatening to charge me {$500.00} if I didnt, and then legally the tow company only has 1 hour to inform the police in the city that the repossession occurred, but the tow company never called to inform the police at all. Because this company was contracted by Westlake to complete a job, Westlake is responsible for the actions that the tow company took while repossessing my vehicle. When I have mentioned this to them, they refuse to acknowledge what is wrong or assume any responsibility. 
I was also never sent the proper letter that XXXX  legally requires companies to send out prior to repossession notifying the customer that they are in default. There is specific wording and title information that must be included and Westlake never issued that letter to me. 
I am asking for my car to be returned to me at no cost to me, I am willing to pay the monthly payment for XXXX as that is what I rightfully owe, but the car was repossessed due to their error. Westlake needs to hold their employees accountable instead of punishing the customer for misinformation given by one of their representatives.
Product: Debt collection

Company continues to call family members outside my household. This tactic violates federal law and TN law.
Product: Credit reporting or other personal consumer reports

This complaint is directed towards XXXX, Equifax, and XXXX XXXX as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STAT ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have attached copies of the following documents for your reference : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this matter adequately within the specified timeframe will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I found an ad on craigslist offering " last minute XXXX tickets '' for a very discounted price. The seller sounded very nice over the phone and provided me with a plausible explanation as to why he could not attend this event. He said to me that we could do a smooth transaction via XXXX meaning that I will send him funds and he will email me his tickets right away. I know that XXXX works with all major banks including mine ( Wells Fargo ), so I assumed that it will be handled as any other bank transaction which is subject to consumer protection. 

Unfortunately, once I paid {$400.00} the " seller '' disappeared. I called Wells Fargo 10 minutes after this transaction went through so they could stop or freeze the funds. Instead of that, they told me that there was nothing they could do, they did not even bother asking any details about this person so they can alert another bank where my money went to. I told them that I was defrauded, that I never received the tickets I paid for, they just simply did not care! Total ignorance on their end! As a bare minimum, they could have tried contacting a bank where my money went to and dispute it! No, nothing was done to return my funds! 

They ENDORSE this XXXX service, so they must give a clear disclosure to their customers that the money transfers are not protected against fraud, scam, etc. Yes, if fact, if you go to XXXX website and do a comprehensive online research you will find those disclosures, but, who would do it in such extent when this service is widely advertised and approved by your bank???? I am just an ordinary person with a minimum knowledge of banking system. I know that all my debit/credit/Pay Pal transactions are protected against fraud, so how would I know that this XXXX service is different???? 

The only reason why I used XXXX is because I was in total reliance on my bank that it will step in and dispute it in case something goes wrong. I have been their customer for 20 years, I have my mortgage, saving, checking, XXXX with them, you name it. This is the first time I ever filed a claim with them and the last thing I expected was the attitude like this. Not only they don't care about the online scam that happens every day, but they support it by their total ignorance and lack of desire to investigate the problem. 

I just want other consumers to be aware that If something goes wrong with their money they won't be protected by Wells Fargo by any way, shape or form. Wells Fargo should either have a system in place to protect their customers against fraud or, if they don't have this ability, then DON'T ENDORSE OR ADVERTISE this service to your customers, one way or another!
Product: Checking or savings account

XX/XX/XXXX : Deposited {$560.00} into TCF ATM machine at their XXXX XXXX location ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ). ATM machine asked if I can confirm amount of {$100.00} is correct. I rejected amount and asked teller at bank to investigate why the machine is incorrectly reading amount deposited. Teller opens machine and pulls out three crumpled {$100.00} bill notes that were jammed in  machine. I deposit remaining cash I did not deposit in machine and crumpled {$100.00} bills into checking account with teller and submit claim for remaining {$260.00} missing. 

XX/XX/XXXX : Call TCF customer service as no update for claim was received and was subsequently told claim was rejected. I visit same branch and inquire the same teller from before why claim was rejected. Teller says the machine gets balanced weekly and only {$100.00} in surplus was found so claim of {$260.00} was rejected. I submit another claim asking teller to add a note to investigate through the bank 's cameras both for the time when I deposited funds and when the employee ( s )  who balanced the ATM had withdrawn the machine 's funds. 

XX/XX/XXXX : Call TCF customer service and was told claim was rejected again. Visit TCF branch and same teller who now claims that the machine showed a {$0.00} balance for that week and the previously mentioned {$100.00} surplus was from another customer 's deposit. Bank refuses to show footage and in the claim 's notes, there was no investigation into the employee ( s ) who balanced the ATM.
Product: Checking or savings account

My account was compromised and when I realized my purse was missing XX/XX/2018. I called Chase Bank to inform them of this XX/XX/2018. I asked them to turn off my card once I had heard the different transactions that were unfamiliar to me. I then filed a claim on these transactions. I was sent letters that stated that I would be temporarily given a credit until the investigation was over. One morning I went to pay a few bills and I had noticed that my account wen from {$1100.00} to $ XXXX. I then called chase and they told me that my claim was denied because I didn't dispute the lesser amount charges, and when asked why I told them that one of their employees asked me which claim was more concerning to me and of course I stated the larger more noticeable amounts. I called in again to speak to a higher authority and an agent by the name of XXXX was very nasty and not very helpful. She told me that they denied my claim because my pin was obtainable from the items in my purse therefore I compromised my own pin. I then proceeded to ask her what I needed to do for them to further investigate, she stated that I should bring supporting documents and I asked her for an example and she stated that she couldn't advise me on that and I needed to figure it out on my own. I asked her if I should obtain a lawyer and then she said " Ok so you are threatening to get a lawyer correct ''? I then asked her why would you use such strong language as " Threatening '' she then recanted and said she never used such a word and I advised her that the calls were recorded. After my account was compromised chase went on to treat me as a criminal instead of a victim and they robbed me for the remainder of my funds. I will never in my life trust Chase Bank with any of my money again.