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

I am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. Please delete this account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was victimized by a wire transfer fraud on XX/XX/year> for the amount of XXXX. I received a text message that appeared to be a Chase mobile alert from my bank and I responded " No '' to the transaction which led to a phone call stating they were calling from Chase Bank and needed to verify my account and debit card information because someone was trying to do a wire transfer. I immediately felt the fear of losing my money and fell for the fake caller verifying all my information. 

the wire transfer went to XXXX XXXX XXXXXXXX, account number ending # XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The company name shown under that transaction read XXXX. 

Chase provided me with the following : Track wire : XXXX Chase Case # XXXX Chase Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been fraud since XXXX Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX. I want this deletes now. 
The next steps is hiring an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I need these accounts removed because aren't mine XXXX XXXX XXXX XXXX XXXX XXXX  And many more
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$4800.00}
Product: Debt collection

XX/XX/2020 I received an alert from my credit monitoring app staring that a new collection was placed on my account from creditor XXXX XXXX.I have not received any phone calls or written notice of a debt owed. My credit score was all of a sudden lowered by 30 points because of a debt that I wasn't informed of nor given time to dispute. I spoke to the company I C Systems and they stated that No type of notice was mailed to me nor was I ever contacted regarding to this so called debt.
Product: Credit reporting or other personal consumer reports

I received my Credit Report from Experian with false information which I demand to investigate and provide me documents in support of Experian reporting information A credit report is a record of your financial history with money borrowed like credit cards and mortgages. 

I never borrowed any money from XXXX XXXX XXXX XXXX XXXX ( partial account XXXX ) and XXXX XXXX XXXX, XXXX ( partial acct XXXX ) [ which is a fictitious company ]. None of these companies have no relationship to me at all I demand disclosure from Experian about the source of information and in which capacity they included XXXX  and XXXX  in my Credit Report I demand to provide me copies of all documents provided to Experian based on which they determined that XXXX  or XXXX loaned me any money or otherwise related to me I demand the name and contact information for the authorized employees from XXXX  and XXXX who are responsible for furnishing information to Experian and who can verify information furnished to Experian and the name and contact information for Experian 's employee who received documents and information from XXXX  and XXXX and who can explain why and in which capacity XXXX  and XXXX  appear on my Credit Report
Product: Credit reporting 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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

I have checking & savings accounts with Bank of the West. Bank of the West has been merged with a XXXX entity called XXXX. As of XX/XX/XXXX. XXXX, I have been unable to access my accounts online. I tried several times to go through their online process, complete their forms & provide required information. It didn't work. I keep getting error messages. 

The Customer Service telephone number is fully automated. It requires a " Telephone Banking Password. '' There is no way to get this password because I can't penetrate their systems. I am locked out of my bank accounts & can't get in touch with a human to help untangle this mess. 

There is no " contact us '' email possibility on their website. 

I can't use my debit card, access ATM funds, pay bills, buy food, etc. I need money to survive. What can I do?? 
XXXX has my contact info, my email address, my telephone number, etc. I have NO WAY to contact them directly to resolve this problem.
Product: Debt collection

On XXXX/XXXX/19, a man from Sierra XXXXXXXX  called and left a message on my managers office number threatening to take action if I did not call before XXXX XXXX. I called and advised the company that I filed a chapter XXXX bankruptcy and they would receive payment that way. The man started talking to me in a disrespectful tone. I asked for the mailing address so that they could receive the filing information and was told they do not have a mailing address and I need to pay the money back.
Product: Debt collection

Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Act XXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( XXXX ), thereby violating your obligations under FCRA XXXX ( a ) and XXXX ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA XXXX, which imposes liability for noncompliance. 
Legal Precedents and XXXX Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX XXXX Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or XXXX XXXX without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA XXXX ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( XXXX ) : XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Reference : XXXX
Product: Credit reporting or other personal consumer reports

I modified my mortgage through my bankruptcy, which began in XXXX and was complete XX/XX/XXXX. My husband was part of the modification, but he wasnt on the original mortgage- I am the primary mortgage manager and hes the second party. Im not sure of the actual naming convention. XXXX is reporting the mortgage twice on my credit report and only once on his credit report my credit report shows my primary mortgage and then it shows the mortgage duplicated showing him as a signer and me as the primary mortgage resulting in my real estate debt totaling XXXX when its XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : Bankruptcies : XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} Credit Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. SXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting on my FROZEN credit report a new address of XXXX XXXX XXXX XXXX tx XXXX which is incorrect. XXXX ( the company submitting this address ) had a fraudulent application submitted to them which has been cancelled but this address is still being reported as an valid address to my credit report which is inaccurate!
Product: Checking or savings account

On XX/XX/2023 my chime account was closed by chime, stating that I didnt follow the policy rules still not sure what Idid wrong, I never deposited anything fraudulent in the account you can also see that, I had transferred money from my cash app to my chime because I always do, my tenants from my apartment pay me rent via cash/chime/XXXX I had XXXX.dollars in my chime account and chime closed it and will not give me a refund on my closer check, I have provided my documents everything they asked for I provided it and they are still telling me I can not get a refund, different agents are giving me different ticket numbers and it is just all over the place, my money is just sitting there and I think they have blocked my number to call them and get any updates I have sent every utility bill, birth certificate, debit card, front and back of my id and a statement of what happened and they still wont give me my money
Product: Checking or savings account

Ive had a fraudulent account opened with Chase bank without my acknowledgment on XXXX. An account opened with XXXX XXXX on XXXX. Both companies submitted an Identity Theft claim and both were found that I did not open nor had any knowledge of them being opened. I have since filed police reports & had to contact the DMV, & social security office. The most recent was someone attempted to file an IRS tax refund with my social security number & was recognized by the IRS as fraud on or about XX/XX/2022.
Product: Student loan

I submitted a Defense Borrow Application # XXXX Received an email that a lawsuit XXXX v XXXX and XXXX XXXX XXXX is docketed for court. The loans from the schools i enrolled in are not mentioned on the lawsuit and I am being charge responsible for repaying loans I did not use. Over 50,000. I attended one school and graduated. The other schools on my Navient account the funds should of been refunded back to the Department of Education/FAFSA. Instead the funds were sent directly to the schools and not returned after I un-enrolled. This is FRAUD. And I do not owe all this money Navient is stating. There should only be one borrow on my account. And the other should of been resolved once Navient seen I no longer attended the school. There chain of command is screwed up no one is properly addressing consumers account, issues, return to school, exit the school. That's what the exit counseling is for and it gives no validation. Navient or DOE is ripping us off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a letter regarding some inaccurate accounts on my credit report and I have yet to get a response from the credit Bureau Equifax regarding this matter which further lets me know that they couldn't complete an investigation and under the rules of the FCRA that warrants immediate deletion. Please help me in resolving this matter thank you.
Product: Student loan

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. 

However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). 

Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. 

Thank you for your time and kind attention. Please help resolve this issue.
Product: Money transfer, virtual currency, or money service

At some point between XX/XX/year> and XX/XX/year>, my PayPal account received an two unauthorized charges for an attempted " XXXX EUR '' each. The resulting conversion would be {$1100.00} USD. The second charge never went through as I didn't have enough money in my bank account for the second charge to go through. The supposed company is named " XXXX XXXX XXXX XXXX '' and the charge was for " XXXX XXXX XXXX'. Their website is : XXXX XXXX XXXX The charge ( s ) came via the Automatic Payment system on PayPal which I had no idea existed until this happened. I've never even used it.

Upon waking up, I immediately contacted the Security & Fraud team at XXXX XXXX XXXXXXXX and filed a claim right away. She explained that it happened so easily because I had my bank account connected to my PayPal instead of just my card, which would've made it easier to get the money back. Whether by ignorance or error, she filed the claim for {$2200.00}, which was what the aforementioned XXXX XXXX XXXX XXXXXXXX originally tried to take. What was ACTUALLY taken was the {$1100.00} USD. This error caused the claim to be closed. This isn't the issue anymore. Just wanted to share the backstory to this situation. 

I've since closed the issue with the bank and I've gotten my money back from XXXX XXXX XXXXXXXX, I've since left XXXX XXXX XXXXXXXX and moved to XXXX. However, the one issue I still have is that I have negative balance on PayPal because of the chargeback. I've called twice, sent to different people ( one of which being someone completely foreign/spoke little XXXX. ) before eventually being hung up on both times. Both calls were approximately 20-40 ( give or take, wasn't exactly watching. ) minutes. Calls took place on Monday, on the XXXX of XXXX ( of XXXX, for the sake of clarity. ) Why should I be forced to resolve a negative payment for something I never had any control over? Granted, I should've been a bit more vigilante once I saw the charge on the Automatic Payment, but I thought it was probably a scam. I've had random invoices appear out of nowhere and nothing ever came of them. I thought it was a similar thing to that. 

They're the ones who pulled the money from my bank account without ever notifying me or giving me a chance to stop it. They don't even have a setting to turn Automatic Payments off. This has historically been a problem, and they've been shown to do absolutely nothing. Here 's a similar example of what happened to me, though with much smaller amounts : XXXX XXXX XXXX Now I've got the threat of losing my PayPal account XXXX which is a major payment source for me, for something that wasn't even my fault. I'd be happy to show my financial records. This has never happened before, and I shouldn't be treated like I'M the criminal here.

I certainly refuse to be offloaded onto debt collectors for something they should've at least paused/held until there was confirmation that I'd approved the transaction. This is a failure on all three levels, including my own naivety.