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

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your bureau and company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to the creditors along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this credit bureau and credit companies are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to the bureau and the creditor companies notifying them that these listed accounts are fraud. My information isnt protected and this credit bureau or creditors are not honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau and all these creditors, these companies and credit bureau did not honor my rights or acknowledge my supporting documents regarding identity theft. All these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from creditors, and assisting to furnish wrong and fraudulent accounts. I demand all accounts and inquiries be removed as soon as possible. 

PLEASE REMOVE ALL FRAUDULENT UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT. 
Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : XXXX. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted disputes to XXXX, TransUnion, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfil it legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer- provide evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or XXXX the disputed accounts as Equifax inaction violates federal law and my rights as aa consumer. 

Here is the list of account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX M XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I also ask for the following address to be remove because i never live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report was locked by experianXXXXXXXX  and unavailable to my auto finance company. I wanted to unlock my report. Unable to reach a human to resolve login issues to unlock online. Unable to reach human to request unlocking by phone, fax or email. I tried different phone numbers. The company in XXXX TX received my XXXX XXXX Priority mail XX/XX/year> at XXXX XXXX. Nothing happened. 

Unlike other bureaus, Experian demands a monthly membership for a fee to lock report and presumably to unlock it.
Product: Debt collection

Credit Clearing House of America, Inc.is in violation of the Fair Debt collection Practices Act ( FDCPA ), in which have not validated derogatory information on my consumer credit report they added XX/XX/XXXX and reports monthly. 
This account does not belong to me and I have never signed a contract with this company. And they have never mailed documentation in reference to a debt, or contracts containing my signature or information. 
They are stating I owe them a balance of {$190.00}. 
A request for VALIDATION was mailed XX/XX/XXXX, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed documents confirming identity, as well as overnighted the required documents to lift the block on my credit report file. I have made 15 calls since XX/XX/2022, and every time I have gotten different information. The 1st time I called I was told to answer security questions for identity verification. The agent informed me that he was able to identify me. The agent also, stated that there was no freeze, or block on my file. I tried to apply for a rental property and the lender was unable to access my Equifax report. I wasted {$93.00} applying. I called back and the agent sent me a text to upload my DL, and the link would never capture the images. The agent then explained that I need to send identity documents via fax or mail. I faxed documents ( ssn, birth certificate, and DL ). I called again and was told that the fax machine was down, and in the same call the agent stated that they never receive fax documents. I sent my documents via certified mail/overnighted them in hopes of having the blocked removed. The next time I called, they stated that they have not received them. I was then told to send them to Equifax information services address. However, lenders are still unable to pull my Equifax report. I have wasted {$200.00} in application fees and {$60.00} overnighting documents. Please help
Product: Checking or savings account

I have had Wells Fargo for over several years now. The purpose of my complaint is because I was  XXXX  in the beginning  of 2017 b y the United States  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back t o America I acted acco rdingly and notified the bank immediately after finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer  Act ( EFTA ) and did everyt hing correctly. I also notified the bank that I have Military orders that show I was   XXXX   XXXX   XXXX   but withi n two days  after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of  over 20 transactio ns and over {$1000.00} of my hard earned money was denied. Yet again after filing a compliant to CF PB, A   XXXX   XXXX   XXXX   XXXX   from  the ATM/Debit C ard Executive Office r eached out to me stating the reasons he believed the fraudulent transactions were authorized due to no incorrect pin attempts. The fraud activity could not have been authorized because I was in the   XXXX   XXXX     XXXX   XXXX   XXXX   and have even went as far as to furnish and provide my  Military orde rs to help with the investigation.
Product: Checking or savings account

Did not receive direct deposit also I have a checking, saving, and cd account with the company and I know there is a lawsuit alleging capital one mismanaged its assets which caused $ XXXX in losses for consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries should be removed from my credit report : XXXX XXXX from XXXX XXXX. Credco from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.
Product: Credit reporting or other personal consumer reports

On the morning of XXXX i was notified via email that a credit card was applied for under my name. This was alarming as i had not applied for any credit cards. I logged onto my XXXX report and realized that this was in fact real. I called the company in question and was told someone must have stolen my identity and that there was nothing they could do about it, except send me a form. And that i have had an account for nearly ten years with them, which was false. I have never heard of this institution. I was then hung up on. I called back about 20 minutes later and was notified that " my account has been transferred to a different institution. ". 

I contacted XXXX and was told that the reporting institution needed to send them a letter so this mark could be removed from my credit report, and now the institution wont answer my phone calls. I want this taken off my credit report as my identity was stolen. This institution i believe may have also been part of this as they refuse to offer any guidance and immediately tried to hide anything they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

On Saturday morning ( around XXXX ) XX/XX/2023, my phone and wallet were stolen. Despite following the basic procedures such as putting my iphone on lost mode and calling my banks to cancel all my cards, the thief hacked my phone and somehow learned my passcode number allowing them to access any login info my phone passcode was associated with. Login info such as my online Wells Fargo account. Once they accessed my Wells Fargo account, the thief adds his XXXX phone number to my contacts sending himself whatever money I had left in my checkings account which was about {$1200.00}. That wasnt enough so they went to my wells fargo credit card account and advanced {$6700.00} from my credit card to my checking account and sent the money to the NEW XXXX account in fragments. First it was {$5000.00}, then {$1000.00}, and then {$700.00}. The cash advance fees amounted to {$330.00}. The thief also purchased XXXX with the stolen credit card. Despite the charges taking place within minutes and the XXXX number never existing in my contacts, Wells Fargo did not automatically put a freeze on the account. In fact, whats strange is that Wells Fargo puts a daily limit in how much money you can send through XXXX if the contact is new. Usually the limit you can send to one newly confirmed contact is around {$1000.00} or {$500.00}. YET. SOMEHOW that limit did not exist in this case and one Wells Fargo employee ( over the phone ) told me that the thief mustve broke through that limit somehow. So, I was told that I would be taken care of and would not be responsible for the charges. Today, XX/XX/XXXX, I was notified that my claim was denied because my account login was safely authorized when the transactions occurred. Despite reminding Wells Fargo that the thief stole my iphone and managed to hack it, allowing them to access any passwords associated with my XXXX keychain. They refused to reopen the claim. I was told I needed more evidence despite the police report I filed in the same moment, the fraudulent credit/debit card charges, the painfully obvious money transfers that should not have occurred, the new XXXX contact that was added after my phone was stolen, my other bank fraudulent charges, XXXX reporting my phone stolen and so forth.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX after I closed on my home the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed and now they're threatening to cancel my homeowners insurance and bank united Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at BankUnited is XXXX XXXX XXXX Cell XXXX
Product: Checking or savings account

On XX/XX/year> I booked a flight through XXXX based airline XXXX XXXX XXXX that was scheduled for XX/XX/year>. I reached out to XXXX XXXX on XX/XX/year>XXXX  and let them know that I had a visit with my primary care physician and was alerted that I had an XXXX breakout that was filled with XXXX XXXX  and due to that it was recommended that I not fly because XXXX XXXXXXXX XXXX XXXX XXXX 

I sent over a certified, signed and dated medical note and proof of prescription and I was told that I would be able to receive a flight credit for future use. 

I reached back out after submitting my documentation and not hearing for a few days and I was told that the documentation could not be accepted although it was exactly what had been asked of me. 

I did some research and was able to find out that this company is known for refusing airline credits and giving American customers a hard time while trying to navigate the refund and airline credit process. 

After trying for weeks with XXXX XXXX I reached out to Navy Federal Credit Union on XX/XX/year>XXXX  to file a dispute and hopefully have this issue resolved. I filed a claim and received a provisional credit of {$220.00} pending an investigation. 

I sent over all of my documentation and provided a statement to the claims representative giving a timeline of the written correspondence but a few weeks later I received an update that the claim was not filed in my favor and that the credit would be reversed. I called Navy Federal Credit Union and asked for an explanation of this reversal and this outcome and I was told I could request the evidence the airline submitted in regard to my claim. 

I reviewed the documentation that Navy Federal uploaded and noticed that XXXX XXXX left out most of the communication that was held with me but most importantly they left out the email advising me that once I sent over the notice from my XXXX  they would provide me with a flight credit. 

Navy Federal Credit Union has not done a great job of helping customers resolve disputes with other unsavory merchants and every single time I call I get conflicting information. I have several instances and examples of NFCU refusing to assist even when the evidence is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX  XXXX XXXX XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have several numbers on my file that do not be long please delete the following numbers : ( XXXX ) XXXX ( 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: Debt collection

Jefferson Capital Systems LLC : Account Summary. Debt Description XXXX XXXX, Account # XXXX Current Creditor Jefferson Capital Systems LLC, JCS Reference # XXXX Amount of the Debt {$1800.00}. 


This is a serious Fraud type of Deal. It happened every time we purchased anything using our Credit. We felt like been Schemes by XXXX XXXX XXXX. 
They are in Violation of our Civil Liberties Rights, and our Fundamental Rights. As well as our 4th & 5th Amendment Rights. This Debts Collectors must discipline for Law Violation as I mention here. We absolutely DO NOT OWE XXXX XXXX NOTHING. IT WAS ALL DONE SINCE 2015 THAT WE KNOW OF, IN OUR RECOLLECTION. WE FEEL LIKE THE COLLECTION AGENCIES HERE ARE HARASSING US UNNECESSARILY FOR NO LOGICAL REASON. BUT, CHEATING, DECEITFUL BUSINESSES IN VIOLATION OF OUR LAWS & CONSTITUTION LEGITIMATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to have incorrect, inconsistent, and unverified information corrected or deleted from my credit profile yet these items remain unchanged. I have not received any correspondence from your company in 60 DAYS. I am demanding that all disputed items below be removed pursuant to 15 USC 1681i ( a ) ( A ) ( 1 ) and 15 USC 1681 ( a ) ( A ) ( C ). 

My first letter was sent XX/XX/2021. There was no response. 
My second letter was sent XX/XX/2021. There was no response. 

As you know, continuing to report this inaccurate, incomplete, and unverified information makes you liable under 15 USC 1681n and/or 15 USC 1681o. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

I have attached all of the previous letters and a copy of my credit report to this request.
Product: Checking or savings account

We own a joint checking account at US Bank since XXXX. 
On XX/XX/XXXX, a perpetrator cashed a check dated XXXX ( no year ) at XXXX XXXX It was written to XXXX XXXX for {$10000.00} and my mother-in-law 's signature is forged. 
It was written to XXXX XXXX but deposited with a teller to the perpetrator 's account. No ID was provided. The perpetrator is a neighbor of my mother-in law, unknown to us but who became active in my mother in law 's life in her final 30 days. My mother-in law had lived in this area less than 18 months. The neighbor/perpetrator told us through a system we use to make sure my mother-in-law is safe that my mother-in law had gone on a vacation. Instead, the neighbor had isolated her from all family and friends. No one spoke to my mother-in-law without this person present from XXXX till her death. We learned the real situation on XX/XX/XXXX when the neighbor who had my mother-in law 's phone accidentally answered. My mother-in law learned in XXXX she had XXXX, the neighbor offered to " help '' taking her to appointments. My mother-in-law died XX/XX/XXXX which made my husband and me sole owners of the account. The neighbor had my mothers-in-law 's entire estate redone on XX/XX/XXXX a Sunday when my mother-in-law had just been released from the XXXX XXXX XXXX XXXX XXXX. She continued to use our US Bank checking account illegally and over drew the account putting us into collections. The neighbor also used this checking account to move money from an XXXX XXXX XXXX account and later withdraw {$38000.00} through a cashier 's check in my mother-in-law 's name that she deposited at XXXX XXXX. We were speaking with US Bank from end of XXXX regarding these issues and filed a formal complaint about the check and automatic payments in XXXX as directed. US Bank told us today XX/XX/XXXX that our claim has been denied as we did not file related to the theft and fraudulent check within 30 days. This " policy '' was never communicated to us and they wasted over 8 months of our time as we relied on them to recover the stolen funds. The statute of limitations for these criminal acts is 6 years, not 30 days. US Bank gave us the run around, damaged our credit, wasted our time and is complicit in the theft from us and elderly abuse of my mother-in-law. They have provided us nothing in writing and refuse to let us speak to the claims department in charge of the investigation that it now seems they never conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ADDRESSES REPORTED XXXX XXXX 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

On XX/XX/XXXX I contacted Experian about the following negative account ; US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND NUMEROUS CLOSED COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY THEFT REPORT AND UTILITY BILL. 


THANK YOU