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

Stolen checks were caught by my bank Wells Fargo on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX totaling {$12000.00} were taken from my account on XX/XX/2020. I closed this account and opened a new account on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX appeared on my new account all through the month of XXXX and XXXX. This was during the Covid19 pandemic and I was trying to deal with the closures and chaos this was causing my XXXX. I was under the impression that this had all been taken care of by closing my account and opening a new one and I wasn't looking for more fraudulent activity at the time. By the time I noticed these fraudulent debits were still happening it was the beginning of XXXX. I immediately notified the bank and made an appointment with my local bank. My bank said they could not help me and the fraud department denied me coverage saying that I waited too long to notify them. I am a XXXX XXXX XXXX  and these debits have totaled {$15000.00}. I can not afford a loss of this magnitude.
Product: Debt collection

Capitol One has been calling me between 4 and 6 times a day. I just recently got back to work after an illness that resulted in hospitalization and the loss of my job. The phone calls are now causing a strain at my new place of employment and may result in the loss of this job as well. I have asked them to stop calling and have blocked several numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a call from an anonymous number from a person claiming to be a county process server in an attempt to collect a debt that I do n't think exists. I checked the name he gave against our Texas state roster of court appointed process servers, and did not find it. He also claimed that if I did not respond to the phone number he left, that I would be served at home or work the next day, which did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Veterans Administration determined my date of total disability as XX/XX/XXXX. Due to backlog, my VHA determination was not processed until XXXX. From XXXX to XXXX, I have REPEATEDLY disputed the information on my credit report with TransUnion. TransUnion has FAILED to properly investigate my dispute and this has resulted to adverse credit decisions for nearly half-of-a-decade. 

XXXX XXXX no longer has this loan and it was transferred to XXXX. According to XXXX, the debt was forgiven effective XX/XX/XXXX and the information in the TransUnion credit report is incorrect and should have never been reported. 

No one is accepting responsibility to for the incorrect adverse information, yet it is still on my credit report. Despite repeated disputes, TransUnion has failed in their due diligence to properly investigate and report my information.
Product: Debt collection

15 U.S.C. S 1692c ( b ) : a debt collector my not communicate, in connection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector "
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX I made 2 deposits on a cruise scheduled for XX/XX/XXXX. There were 2 payments totaling XXXX. The cruise was canceled on XX/XX/XXXX due to Covid. The cruise line has stated they will be returning funds in full in 90 days. XX/XX/XXXX was 90 days. I have asked Citibank twice to assist me in obtaining the funds. Twice they have refused citing the fact that the deposits were made in XXXX. They also said they contacted the company and the company is going to declare bankruptcy. This has been refuted by the travel agent and I have no confirmation of this. This is a rather large sum of money and I would like it returned to me. Citibank is not interested in helping with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS LISTED ON MY CREDIT REPORT AND I AM NOT THE PERSON WHO SIGN FOR IT AND NEEDS TO BE REMOVE ASAP
Product: Debt collection

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX 2. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX  XXXX Account XXXX Opened XX/XX/XXXX High Balance {$280.00} 2. XXXX XXXX XXXX  XXXX Account XXXX Opened XX/XX/XXXX Balance {$17000.00} 3. XXXX Account:XXXX Opened XX/XX/XXXX High Balance {$900.00} 4. XXXX, XXXX Account XXXX Opened XX/XX/XXXX Balance {$1400.00} 5. XXXX Account:XXXX Opened XX/XX/XXXX Balance {$9200.00} 6. XXXX Account Number : XXXX Balance : {$0.00} Opened : XX/XX/XXXX 7. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 8. XXXX XXXX Account XXXX Balance : {$350.00} Opened : XX/XX/XXXX 9. XXXX XXXX Account : XXXX Balance : {$1200.00} OpenedXXXX 10. XXXX Account : XXXX Balance : {$730.00} Opened : XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX6 2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Product: Credit reporting or other personal consumer reports

Transunion keeps reporting a collection account as accurate, eventhough they have not provided any documents to investigate from the debt collectors. I have submitted numerous pieces of documents when I submit the dispute. Not only does transunion keep reporting this collection as accurate, the management company ( XXXX XXXX ), who manages XXXX XXXX apartments, which is the rental apartment that XXXX credit bureau is trying to collect on, is also on my transunion report as " in good standing ; paid as agreed, XXXX balance owed to XXXX XXXX XXXX It is clearly stated on my credit report. I've submitted documents that have certified signatures, XXXX has " copies '', without the signature of XXXX XXXX XXXX manager. XXXX keeps submitting the same document. I've asked transunion how do the conduct their investigation. They ask the collection agency to look at the information they submitted and confirm it's accurate. No additional information needed. They even allowed this company to hit my credit with a hard inquiry, then told me to contact the collection agency and ask them to remove it, and if they refuse, it'll stay on your report for 2 years. The hit to my credit was done intentionally to further damage my credit. If transunion did an investigation, they would have asked XXXX credit bureau to verify the management company of The apartment their trying to collect on, XXXX XXXX XXXX. The transunion support agent literally told me that the debt collectors have more control over my credit than I do. Which says to me, I have no rights.
Product: Payday loan, title loan, personal loan, or advance loan

I have been having issues with my account since the beginning of the actual loan. There has been more than one issue, so I will list them : 1. The amount of finance charges are inconsistent on a month to month basis. Seems like the amount charged gets higher every month, even though the balance is less.

2. I have serious problems with having my payments posted timely. I have the payment sent via my banking service. There are claims that the payment has not been received. The last payment was sent on XX/XX/XXXX, and was not posted until XX/XX/XXXX. 
I did try having the payments withdrawn from my bank account by the loan company, but still the amount withdrawn would not post timely. Also, I am unable to request a higher amount be withdrawn on a month to month basis on the loan company website. The only way I can change it, is to terminate it. 

XXXX. When I called in XXXX to find out why the payment had not been posted, I was required to pay for XXXX and XXXX so that I wouldn't incur a late fee. But, the late fee was posted, anyway! 

XXXX. I requested to speak to the billing department of the company so I could find out what the issue is, and try to work with the company in fixing any issues. I was advised that no one is allowed to talk to the billing department. Frustrating, to say the least! 

XXXX. This company is extremely difficult to deal with. I feel like the door is shut, and I am speaking through a vent because no one is allowed in. 

I would like to have the late fee removed, and be able to speak to someone that can assist.
Product: Credit reporting

I submitted the dismissal with prejudice letter to all XXXX bureaus, and was told that XXXX XXXX XXXX still could legally report even though I am not liable for the debt.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX, A DOMESTIC WIRE TRANSFER OF {$12000.00} WAS MADE TO MY CHASE CHECK ACCOUNT. CHASE SENT ME A NOTICE CALLED " ADVICE OF CREDIT '' STATING THAT THE MONEY WAS CREDITED TO MY ACCOUNT. THE MONEY WAS NEVER PLACED INTO MY ACCOUNT. I MADE A COMPLAINT WITH CPFB BECAUSE CHASE WAS NOT TELLING WHAT WAS DONE WITH MY MONEY. 
I ASKED CHASE TO TRACE THE WIRE USING THE IMAD AND OMAD NUMBER. I CONTACTED THE FEDERAL RESERVE AND I WAS TOLD THAT CHASE COULD DO THIS BUT I COULD NOT AS THE CONSUMER. 
CHASE RESPONDED TO MY COMPLAINT AND SO MANY INQUIRIES BY LETTER DATED XX/XX/XXXX THAT THEY COULD NOT FIND THE WIRE. CHASE NEEDS TO CONTACT THE FEDERAL RESERVE AND TRACE THE WIRE.

I HAVE ATTACHED MY WRITTEN COMMUNICATIONS WITH CHASE, INCLUDING TWO EMAILS WHICH WERE JUST IGNORED.
Product: Credit card or prepaid card

On XX/XX/XXXX I was informed that funds on my direct express account in the amount of {$72.00} were taken out of my account by companies such as XXXX XXXX  and XXXX on XX/XX/XXXX. I immediately called direct express about a dozen times that day until I actually got somebody on the line and I started the dispute process. I filled out my forms that arrived a week later and on XX/XX/XXXX I received a letter stating Im being denied reimbursement of the charges that I stated were fraudulent. Per direct express I have given permission for a third party to use my card in the past. I dont even own a XXXX nor have I ever used XXXX before. I called direct express again on XX/XX/XXXX after I received the letter and asked how can this possibly be investigated as whoever obtained my card number also tried making other charges which did not go through as they emptied the last of my money in the account. This also caused my phone bill to bounce when those charges went through. Any proper investigation would show my spending habits are pretty similar and how the charges came through should be a red flag whenll the large purchase was declined for insufficient funds. I was left with {$5.00} in my account but no thats not the case. Im told that there is no appeal process and to try and dispute the charges with the merchant. I asked direct express to provide me with information on the XXXX charges but the rep informed me they dont have anything to give me. I contacted XXXX directly who said without the banks information as to whos XXXX accessed my card they can not help me and they were shocked the bank cant provide any information. Basically, we are told this is a safe way to receive our benefits and we are protected against fraud but this is not true at all. The banking practices of direct express needs to be investigated as this is happening to so many people who rely on their government payments to live.
Product: Mortgage

On XX/XX/XXXX, I spoke to XXXX XXXX, Mortgage Consultant, New Rez, concerning refinancing my current mortgage with NewRez Mortgage Company. He walked me through what documents he needed and how to get them to him. On XX/XX/XXXX, I received an email from XXXX XXXX, XXXX XXXX, Processing Support/Mortgage Operations/Processing on Behalf of XXXX, XXXX, saying that I had been conditionally approved. XXXX XXXX, on XXXX XXXX, emailed me to say that " ... we have received conditions needed to proceed with your loan. Due to high volume, we are experiencing delays. '' On XXXX XXXX, I received an email from XXXX XXXX, Loan Processor, NewRez, asking for additional documents, i.e., XXXX XXXX 's, homeowner 's insurance declaration page, and my most recent " award letter. '' I responded that I had already provided the XXXX XXXX 's and emailed XXXX a copy of my HOI declaration page. I then said that " ... I retired from XXXX almost 23 years ago and don't remember ever receiving such a ( award ) letter. '' I emailed XXXX again on XX/XX/XXXX asking what was happening. No response. I emailed XXXX again on XX/XX/XXXX - no response. On XX/XX/XXXX, I called XXXX who said she was just about to call me and that everything was in order and that we would probably close within 4 days or so. I called her again on XX/XX/XXXX and left a message asking her to call me. I called again on XX/XX/XXXX and left a message asking her to call me. My interest rate lock of 2.625 % expires XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This correspondence pertains to a charged-off credit card account that has been reported to the credit bureaus. A Form 1099-C has been issued for this account, indicating that the debt has been canceled and reported as income to the IRS, as per the requirements under 26 U.S. Code 6050P. The issuance of this form establishes that the creditor has discharged the debt, effectively concluding the contractual obligation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, information furnished to consumer reporting agencies must be accurate and complete. The continued reporting of a " charge-off '' designation is inconsistent with the discharge of the debt, as indicated by the 1099-C. Maintaining the charge-off notation misrepresents the nature of the account, potentially leading to inaccuracies in the consumer 's credit file.

Furthermore, the issuance of a 1099-C is widely interpreted as evidence of the creditor 's intent to cancel the debt. When a debt is forgiven and reported as income, the account is no longer collectible. Therefore, the charge-off designation, which implies the debt remains unpaid and collectible, conflicts with the creditor 's reporting to the IRS. The conflicting information may constitute a violation of 15 U.S. Code 1692e, prohibiting false or misleading representations related to the character, amount, or legal status of a debt.

To ensure compliance with federal laws and protect the integrity of consumer credit reporting, it is requested that the charge-off designation associated with this account be removed from the credit report. Accurate reporting aligns with both the creditor 's obligations under the FCRA and the confirmation of the debts discharge through the 1099-C issuance.

Thank you for your attention to this matter. It is expected that an investigation will be conducted and appropriate action will be taken to correct this discrepancy. Please provide confirmation of the resolution and updates to the credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. lam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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 3 credit bureaus must validate these accounts 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. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}