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

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 this complaint. This fraudulent, inaccurate, and false information consists of .Recently checking my credit report I no inquiries an accounts that I've found : XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX inquiries XXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. Please remove these fraudulent inquiries from my credit report. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud to equifax and they didnt remove the items even with proof that it is fraud, XXXX XXXX and XXXX XXXX  is due to ID theft, I submitted police report, id theft report, they didnt care and didnt remove it, I also notice inquires on my credit I havent pulled my credit for 1 year they wont remove it due to fraud. I wnat those inquires and XXXX XXXX and XXXX XXXX removed and blocked
Product: Money transfer, virtual currency, or money service

Social Security sent my XXXX payment to my cash app on XX/XX/23 for {$910.00}. Ssi verified it was sent to the correct account but cash app claims they didnt get it. 12 days later it hasnt been received.
Product: Checking or savings account

Hello and good afternoon my name is XXXX XXXX on XX/XX/year> i reported to the bank citizen that were 33 transaction that i didnt recognized however they make a claim report with case number XXXX. I received a letter from the fraud department that they are going to closed my account on XX/XX/year>. They just want my account to be close because they dont want to be liable for the fraudalent transaction that were made. I did not make this transaction period.. i havent recieved no credit for this XXXX transaction.. i hope you guys help me resolve this issue otherwise i will sue the bank for stealing my money
Product: Credit card or prepaid card

i lost my phone on XXXX XXXX around XXXX in the morning during an XXXX ride home. After i woke up around XXXX XXXX i notice multiple transactions on my XXXX bank account statement. i filed a police report for theft. through out the day i have changed multiple passwords and login information and i put a credit freeze on my credit through the three credit brueros as soon as possible. through the next day i was on the phone with apple, XXXX XXXX and XXXX multiple times. apple had some large charges using my apple pay and other forms of payment. XXXX  had a XXXX dollar request from my XXXX account to be transferred to a XXXX XXXX who i have no idea who this person is. two large payments of XXXX dollars and XXXX dollars where transferred from my XXXX to XXXX and used to make multiple purchases at a XXXX and XXXX. on XXXX XX/XX/XXXX around XXXX i noticed that i actually had an apple credit card created on XXXX XX/XX/XXXX the same day i lost my phone. I DID NOT apply for this credit and I DID NOT make any of these transactions. I have no idea how but the person who has my phone used my identity to open a Apple Credit Card and a Apple Cash card in my name. i am in the process of buying identy protection from XXXX and also working with Apple to correct what has happened.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft, I saw an incorrect inquiry on my TransUnion from XXXX XXXX XXXX XXXX, So I called my bank XXXX XXXX XXXX XXXX to confirm that I have no application on file and they confirmed no application on file so when I called XXXX XXXX XX/XX/year> I spoke with Marry, I stated I would like to dispute this inquiry and was told that I am NOT allowed to do so. XXXX Fed told me they would not send me a letter because there is no application, and to contact TransUnion dispute it and they will respond, XXXX who refused to provide any employee ID # said she would NOT take my dispute information. I feel I was clearly not allowed my right to dispute incorrect information on my file. XXXX XXXX is my bank and if they say I do NOT have an application on file why can XXXX and XXXX refuse my right to dispute incorrect information on my credit file?
Product: Debt collection

I'm constantly receiving repeated phone calls from ARS. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report From XXXX I noticed they had an address that I have NOT resided at before and a name I have never used. 

Invalid Address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Name I Have Never Used : XXXX XXXX XXXX Invalid Accounts I did not sign my signature on : XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$34000.00} XXXX XXXX  # XXXX - Never signed any accounts with my signature for {$13000.00} Under the Fair Credit Reporting Act, the credit bureaus are supposed to report TRUE and ACCURATE information. Please advise them, they have XXXX XXXX  to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. Experian has violated my rights 15 U.S.C 1691 section 602 A states i have rights to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written consent
Product: Student loan

I would like to dispute my student loan balance with Navient. I havent been in school since the XX/XX/XXXX and never took out more than {$20000.00} in loans. Somehow, Navient has me owing {$46000.00}. I pay {$300.00} a month in interest. {$10.00} every single day. By the time I am done, I will pay have paid back {$62000.00}. I dont know where theyre getting their total. When I asked for documentation, Navient sent me a promissory note for {$1800.00}.! 
This is ridiculous. I have paid back more than I ever borrowed and at this rate, I will never stop paying and I dont even know what Im paying for.

Also, my interest rate is 7.75 %. Navient says that Congress sets that rate, but I'm not sure if that's accurate.
Product: Bank account or service

I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of fraud/identit theft and checked my credit report a few days ago and saw that there was an account in collections that I never signed for or ever had knowledge of. 

ACCOUNT ( S ) -XXXX  XXXX XXXX -AMOUNT {$300.00} -DATE OPENED XX/XX/2018
Product: Mortgage

Sometime in XX/XX/2020 I recieved an advertising from Calibur Home Loans to refinance my VA loan because of some special from the Govt. I finally contacted them and spoke to a XXXX XXXX from Calibur Home Loans. Gave her all the information they requested, including my social. I advised Ms XXXX that my present rate was 3.75 %. I assumed everything was in order and we were ready to get the loan. The next day she informed me that the VA required that the interst rate had to be 5 % lower then 3.75 in order for me to get the loan. On XX/XX/2020 I recieved a packet from Ms XXXX. When I opened the package, and reading the letterhead i assumed they were going to help me because in one of the paragraphs it tells me if I intend to move forward with the loan I needed to sign the disclosures and to return them at my earliest convenience. I then began to check the application itself. In the application it shows that they are offering me a 2.875 % rate for a {$290000.00} loan. I had assumed the interest rate when down and they were offering me the loan. I immediatly called Ms XXXX and asked her about the package sent me. she then advised she was looking up my information. I then told her about the 2.875 interest rate that was printed on my application by them. She then advised me she would call me back after she spoke with her manager. She never called back and I finally called her back and she said that her manager said I did not lock this interest date before 60 days. I explained to her that is not what the paperwork says in my application. the letterhead was dated XX/XX/2020, In the multi-state interest rate lock/float someone checked the box that says I do not want interest rate lock in at this time. This same form is dated XX/XX/2020 not even 30 days and how could I have checked this box when I just recieved this packet on XX/XX/2020. Somehting is wrong. Ms XXXX at first stated that the VA would not honor the loan because it would not help me much. A 2.875 % loan would help me a lot from 3.75 interest.She was not being truthful on the VA response. They reached out to me. I have proof that they were going to give me a 2.875 interest rate loan. I thought Calibur helps Veterans. they sent me an agreement and did not honor it. A 2.875 % loan. Maybe because I am retired and a senior citizen and worried about their loan. The United States Govt. honors our loans. I passed everything, credit check, financial check and whatever else they required. Now they are saying they can not honor this contract because the offer was over 60 days. I tried so hard to reach out to Calibur CEO, XXXX XXXX, but kept on getting the run around. I wanted to try and resolve my issue before taking further steps,
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Payment History Youve made 100 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account. Remarks No Info Times 30/60/90 days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Mortgage

1. On XX/XX/2016 I received important Notice that I 'm two months behind on my mortgage payment. I was surprised because my loan is automatic deduction from my account from the bank. I went to US Bank to complained about this situation and I went then several times. They told me I was charged late fee because I was late in payment. 
2 I received another letter for Escrow Shortage Coupon for amount {$350.00} which I paid that amount so I paid same monthly of {$980.00}, but I received three different payment and end up {$980.00} which I 'm still not satisfied, the way she explained to their branch here in XXXX, Wa. So all of these that I complained from unpaid mortgage, late payment and escrow shortage coupon payment nothing happen
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Fraudulently charging a maintenance fee every month after 6-7 months of account opening - signature advantage. I still meet the criteria as listed online - https : //www.suntrust.com/personal-banking/checking/suntrust-advantage-checking. Have Direct deposits of more than {$3000.00} per month and have a mortgage account linked to avoid the maintenance fee = {$20.00}. But without informing me they changed the agreement on backend saying that minimum balance needed to avoid maintenance fee = {$25000.00} Dates when reached out to SunTrust - XX/XX/XXXX, XXXX, XX/XX/XXXX - email exchanges. XX/XX/2019 - call to customer care. 

So, they promote some other criteria online to avoid maintenance fee and they change the criteria behind the scenes. Also, the maintenance online = {$20.00} vs what they are charging = {$25.00}
Product: Debt collection

Astonishingly, other credit bureaus have acknowledged the fraudulent nature of the account and have promptly removed it from my credit report. However, your bureau persists in reporting this false information, which is severely impacting my credit score and financial well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Given that other credit bureaus have successfully identified and corrected this issue, I am deeply concerned about the reliability of your bureau 's systems and the apparent failure to rectify this matter promptly. It is imperative that you take immediate action to investigate and correct this discrepancy, as the continued reporting of the fraudulent account is not only damaging but also suggests a significant lapse in your bureau 's accuracy and efficiency.
Product: Checking or savings account

I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN ACCOUNT.
Product: Credit card or prepaid card

I was XXXX, and when I was released I checked my credit score to find out there was a credit line taken out with capital one and maxed out. I disputed the transaction and they concluded that the account belonged to me.
Product: Checking or savings account

On XXXX, I noticed that there were several unauthorized charges on my Citibank account tipped off from a charge of {$25.00} for XXXX XXXX XXXX in New Jersey. I alerted Citibank and they credited my account and sent a new card. I received my new card yesterday and have been attempting to use my card to no avail. I called after XXXX eat to see what was going on only to be told that the fraud department has my account locked under review. I asked when it would be unlocked, I keep getting the same generic answer that they dont know. I was told to call back today XX/XX/2021 to speak to them where represent XXXX told me that there is nothing I can do but wait. I informed them that I have emergencies and need my funds and they caused several of my bills to reverse this weekend, she then said nothing she can do and began to talk over me and say there are other calls to take. I asked for a manager she then told me they will tell me the same thing and refused to transfer my call. Citibank is causing me great financial harm by locking me out and now I have no access to food in the week of XXXX.
Product: Checking or savings account

I was issued a check dated XX/XX/XXXX, by from a maker at XXXX XXXX XXXX XXXX in the amount of {$2500.00}. On XX/XX/XXXX, I endorsed the check, deposited it through via a mobile deposit into my account at Bank of America ( BofA ), and clearly marked the check as a MOBILE DEPOSIT. Records from XXXX XXXX XXXX XXXX reflect that the check was processed by that bank on or before XX/XX/XXXX. 

On XX/XX/XXXX, I was the victim of a documented theft wherein a thief broke into my car and stole a bag. Inside that bag was the above-referenced check. After numerous conversations with Bank of America staff about this issue, I was told that over twenty days later, the check was fraudulently cashed at an unknown XXXX XXXX  ( XXXX ) location, presumably by the thief. That XXXX location paid out cash in the amount of {$2500.00}, notwithstanding the fact that ( 1 ) the person cashing the check was not me, the individual the check was made out to, and ( 2 ) the check clearly reflected the fact that it had already been deposited via a mobile device as it was marked MOBILE DEPOSIT. 

On XX/XX/XXXX, I received a letter from BofA stating that the check was returned unpaid, and therefore the amount of the checkthat had been properly deposited via mobile deposit months priorhad been debited from my account. 

I have since spent countless hours interfacing with Bank of America, XXXX and XXXX XXXX XXXX XXXX. No one is willing to take responsibility for the funds errantly taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called many times and keep getting the run around. They will not make the repair to the report and it is costing me money because of my interest rates are going up. 

For some reason they wiped out all my credit age. It use to be 12 years, 2 months. Now it is 1 month My credit score use to be XXXX, NOW it is XXXX
Product: Debt collection

I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax and XXXX are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. Equfax and XXXX are reaging this account.