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

XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit 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 a auto loan XXXX XXXX account opened XX/XX/2021 account # XXXX at XXXX XXXX on XX/XX/2021 under the account number XXXX, These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, Equifax and XXXX credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A LOAN WAS OPENED FROM PNC BANK ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a debt letter, or any other attempt have been made to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 SYNCHRONY BANK sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/2022 XXXX sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXXXXXX I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX was unable to approve my application. I never applied for this either. 
XXXX informed online they sent me to collections. I was frauded on XXXX, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.
Product: Debt collection

I have had so many issues and service interruptions over the years until I was fed up with the excuses and promises and gave up. I contacted XXXX and told them to cancel on XX/XX/year>. I was not given any information about anything else. I told them I had enough. I had already had another service setup and running. The following month I started getting phone calls demanding more payment for time after I said cancel my services. I was told they would look into it. I was told that it showed activity of me using. I told them I had already switched and was not using XXXX anymore. Later I was told about a higher amount owed. And Just recently, I got a letter from a debt collector from Harris & Harris. I do not owe XXXX anything. All payments were up to date until I canceled. I will upload the transcript of when I canceled.
Product: Credit card or prepaid card

I was called by a robophone saying there were my discover card, then transfer to a human and I qualify for Lower interest rate, they gave me information about 3 of my credit card number, so I proceeded to go with the loan deal they offer me, I then gave them my information, they seem to have quite a bit of numbers, ect, like my first 6 numbers my ssi number and also my address, they said that my cost was going to be XXXX, which was less than I pat in interest fees, so they ran my credit, which showed up on my credit report from my bank.they tried to run my discover card for the XXXX but I keep all my credit cards frozen until I need to use them.i then realize after i XXXX fraud that this might be a scam. i then reach out to them and they said my application for a debt consolidation was denied, but they were going to try another company. I then told them I was no longer interested, they told me it was to late and they were going to keep trying to get a loan for me, here is some of the names and numbers they gave me, customers card services XXXX XXXX, employee # XXXX, XXXX XXXX XXXX.
Product: Debt collection

I have yet to receive any proper verification or documentation proving this debt is legally mine. 
A detailed explanation of the verification process The specific steps taken to verify this debt A signed contract or original agreement proving I owe this debt I have the right to see the exact documentation used to verify this debt. Since no such evidence has been provided, this account is unverified and must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
Bankruptcy XX/XX/XXXX reference XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent. As a result, I request that this unauthorized inquiry be promptly investigated and removed from my credit report to ensure the accuracy of my credit information.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 EXPERIAN 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 XXXX XXXX XXXX
Product: Checking or savings account

My banking transactions was being shared on another platform XXXX XXXX XXXX in a recorded conversation I asked how did they get my personal information the told me Bank of America then I asked were they a third party company and they replied yes. Under no circumstances should any company federal, local or state agencies pass that type of information without the authorization of the customer farther more the consent or knowledge, upon researching I learned through the XXXX form sign by XXXX XXXXXXXX XXXX XXXX, PA that I possess securities with this company also I never had a payment as the Indentured Trustee stated which is secure fraud and also identity theft Im getting a forensic auditor to track down my cusip numbers and once I see that my securities have been traded Im pressing federal charges. Ive revoked all fiduciary duties ( 56 F ) of the company and Im speaking for self.
Product: Mortgage

Hello. This complaint is a result of a previous complaint XXXX. The complaint was answered but not satisfied. In this complaint i sent evidence of a cashed check by the bank for XXXX. The bank did in fact cash this check as was previously shown. The bank complained that I did not sure the money. First, there was no explanation on the letter that the money had to be wired. Second, when I made the payment at the bank i showed them this letter. They accepted payment and did not tell me to wire the money. They are the bankers and I expect them to know their banks policies. So, to continue, wells Fargo bank did answer my previous complaint. They did not state that they applied the check they cashed to my account. I have not heard anything about a lean release, reimbursement for forced insurance etc ... I want to know what the check for the account that they cashed. When did i get the lean release etc .... I have called them but I do not get a straight answer. Also. Wells Fargo previously stated that they could not contact me.. Not true, I spoke to them several times when this started and they were just evasive. The last person I spoke to would not give me an answer concerning the title. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : 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 XX/XX/2021 XXXX XXXX -- -- -UNAUTHORIZED ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT-XXXX XXXXCCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX XXXXACCOUNT XXXX XXXX XXXX XXXX-ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX, XXXX # XXXX, XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXACCOUNT # XXXXXXXX XXXX-ACCOUNT # XXXX
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint regarding a case of identity theft and unauthorized financial transactions that occurred between XX/XX/XXXX and XXXX XXXXThe details of the incident are as follows : On XX/XX/XXXX late afternoon my phone ( the number is XXXX ) showed SOS no signal, I went to the phone store they told me my phone number had been unauthorized port out, I lost my phone number. 
On XX/XX/XXXX, me and my family had flight to outside the country before the airplane departing my wife login to our Chase bank account saw the unauthorized wire transfer, resulting in a loss of {$9900.00}. 
During XXXX, the thief use my phone number and my personal information to open 4 credit card. 
Also from XXXX XXXX XXXX the thief try to use my Chase credit card to make purchase. 
- On XX/XX/XXXX, when I get off first stop by airplane, I immediately contacted Chase Bank to report the unauthorized transactions and froze all my credit accounts. 
XXXX XX/XX/XXXX when I come back to U.S - I contacted local law enforcement and filed a police report at Police Station XXXX 
- I also filed an Identity Theft report online. 
- I provided a letter from XXXX XXXX XXXX certifying that my mobile phone number was stolen. 
- I contacted the major credit bureaus notify about the identity theft. 
- I called to dispute the credit cards by thief opened. 
Unauthorized Accounts and Transactions : -Wire transfer by Chase , Account number : XXXX Amount : {$9900.00} - Credit card opened by thief - [ ] XXXX XXXX - XXXX ] XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Chase credit card they try to purchase from XX/XX/XXXX XXXX XXXX, the credit card number is : XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX. XXXX XXXX XXXX. {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX. {$1300.00} XXXX. {$3000.00} XX/XX/XXXX. XXXX XXXX {$500.00} XX/XX/XXXX. XXXX XXXX. {$2600.00} I kindly request that the FTC investigate this incident thoroughly and take appropriate actions to help resolve this case. I believe that the circumstances surrounding this identity theft indicate a clear breach of security and negligence on the part of Chase Bank. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any additional information.
Product: Credit card or prepaid card

My wallet with my Chime Credit and Debit cards was stolen XXXX  ( XX/XX/2022 ) night and by XXXX  morning by XXXX every XXXX  on my credit card had been removed ( {$410.00} ) via XXXX  and XXXX XXXX I filed a dispute immediately Saturday ( 2-3 hours after the fraudulent charges ) and reported my items stolen. Chime decided today ( XX/XX/XXXX ) that the transactions were authorized and refuses to return my {$410.00} to me. Worst banking experience in my life and Im already struggling paycheck to paycheck, now I have nothing but my meager savings to live off of until I start my new job which has been delayed. Meaning I cant afford anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the better business bureau about this issue and I was overlooked, and was refused for correcting the derogatory report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B- XX/XX/1982 SSN : XXXX I was denied a Checking account today at XXXX XXXX  XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a CHEX SYSTEM REPORT ASASP! I am having an issue with opening a personal checking account and possibly an issue with opening my business checking account as well. There was a reporting in the CHEXSYSTEM database that I owed an old account that had already been resolved. Please see attached documents. I look forward to settling this error on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.CSIIs Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated
Product: Debt collection

THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.