23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX  and be able to be added to my previous bank account. XXXX XXXX  says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX  to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, etc., and so on!
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK Inquiry Date : XX/XX/XXXX US BANK CONSOLIDATED inquiry date : XX/XX/XXXX-XX/XX/XXXX I have never applied for US BANK on this dates, us bank consolidated put 2 inquires on 2 different days and us bank 1 one inquires on mentioned date, i never gave permission to put inquiry on my XXXX report.
Product: Debt collection

EOS CCA XXXX XXXX XXXX XXXX MA XXXX Tel : None Available Alleged balance owed : {$190.00} Original Creditor : XXXX
Product: Payday loan

This company has been calling me for the past month asking that I pay {$1100.00} between XXXX " Payday Loans ''. I have never seen these, nor did I take them out. I have only had XXXX Payday Loan that I 've taken out and had past due - I paid this in XXXX and have since contacted that collector for documentation. They advised I file a complaint with the FTC and DA. This new, fraudulent, company is asking for {$510.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. They also want {$640.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. This is FRAUDULENT. I do n't know these companies, nor did I take out what they say are these " Payday Loans ''. I 've had fraud on my identity and my bank accounts over the past few years, this now included. I want them to be looked into and to cease and desist so that they do n't try and con any other people!
Product: Credit reporting or other personal consumer reports

On ( XXXXXX/XX/year> ) I sent an Identity theft letter to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/year> ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Debt collection

I called and paid the debt over the phone. It was paid In Full. Please follow up with ARS. This debt was not validated in XXXX as the results say. Please contact me if you have any questions. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file caused by incorrect credit report details. However, there are still items that need to be addressed. According to FCRA section 605, you are required to remove any items listed on an ID THEFT REPORT. I am submitting Identity Theft Report # 173580140. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from erroneous credit information within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX -Equifax : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00}. You have 4 business days to remove these items from my credit file. I do not consent to E-OSCAR or any automated verification methods. I expect your immediate attention to this matter and a response within 4 business days.
Product: Debt collection

XXXX XXXX called last friday from hillcrest davidson saying he was trying to collect a debt. They posture themselves like a law firm. I am used to getting information requested for medical records from lawyers and this collection letter looks very similar to legal letterhead and languaging. 
I called them back today. After I informed this " XXXX XXXX '' that I reinstated my account with XXXX he did not relent. He wanted to know if XXXX " debits my account and for how much ''. I told him that I do not provide financial information over the phone under any circumstances. He then demanded that I send him bank statement copies to prove that I made payments. He kept changing the number of transactions that he wanted proof of, refused to send that demand in writing all the while using condescending language ( " oh, yeah, I looked you up. You have several locations and are SO important '' ) and manipulative tactics basically at my expense. He kept cutting me off, would n't let me finish a sentence and threatened me that he would " ruin my credit '' if he did n't get the proof of transactions today and hung up on me after I told him that I would need a day or XXXX to get this accomplished since I 'm busy with a full calendar. I was stunned at how rude this guy was so I called XXXX to request that they send the proof of my account reinstatement on my behalf. I explained the horrible tactics this man used as well. The XXXX rep confirmed that XXXX indeed contracts with this collection agency and told me they have received other customer complaints about Hillcrest Davidson. XXXX says that " sometimes there is a lag between the time that a customer reinstates their account and the quit request of collections is processed. The rep said that XXXX is going to intervene on my behalf to address this issue. It does not excuse the behavior of this " XXXX XXXX ''. Hillcrest Davidson should be required to state they are a collection agency in the top section of the letterhead, not require someone to infer it from the contents of the letter. I could see how someone might be deceived if they are not used to working with attorneys and legal documents. Thank you for your time.
Product: Money transfer, virtual currency, or money service

As of today I have discovered an email from Coinbase stating that they have restored "full functionality" to my account. While this is partially true, it is old news and does not come close to fixing this issues I've been having for almost a month. The Coinbase Exchange has failed to respond in a timely manner to assist with the overall issue I have been experiencing as far as reinstating my ACH Bank Accounts so that way I can buy larger amounts, sell and return money back into my bank accounts. I'm not very happy with the timing or the way this case has been handled since it all began; all I just want to do is have my Bank Accounts reinstated, but in order for that to happen, Coinbase Support has to reinstate them for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't really been applying for anything lately. Due to too many inquiries in the last year. Reviewed my credit report with Experian and noticed that I had a total of 15 inquiries. Out of those 15 inquiries, 9 are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with XXXX I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. Also I have some addresses on my credit report that 's are n't mines. I have a family member with a similar name I need it removed. 

Address : 1.XXXX XXXX XXXX XXXX, IL XXXX 2.XXXX XXXX XXXX XXXX, IL XXXX Inquiry : 1.XXXX/XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX 5.XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/19, I called Wells Fargo because I noticed my credit card had been closed without any notice to me. This card not only had a XXXX available limit but was also my longest held card so it is an important part of my credit score. My call was escalated twice as employees noticed that it was odd that Wells Fargo hadn't contacted me previous to closing the account. On XX/XX/19, I received a call back from Wells Fargo and they told me that they can not reopen the account. I am concerned about this practice of closing credit accounts without notifying the card holder. I carry the card in my wallet and could have used it at any time to avoid closure if I knew that was going to happen. In fact, I was told that the normal practice is to send a letter about 6 months prior to closure and only require that the customer contact Wells Fargo to keep the account open. I was not afforded that opportunity and now my credit will take a significant hit leading to other consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : XX/XX/2020.
Product: Credit card or prepaid card

On or about XX/XX/2011 I became a victim of Identity theft and Fraud. I notified the banks in a timely manner that was allowed after the healing process. Captial One started my capital one 360 account online. Once I finally got the card in the mail I noticed the name was in correct and was also a consumer account. I then proceeded to open a capital one Spark business account which was the account that was suppose to opened in the beginning for a small business. Once everything finally matched such as name XXXX XXXX XXXX XXXX, not XXXX XXXX, or not XXXX XXXX XXXX I have documents showing inaccuracies and the documents showing when and how they were corrected for example the company XXXX XXXX XXXX, not XXXX XXXX I notified the bank about this stations it was to the point where my card was even left open and closed by a phone that I did not have in my possession and filed the appropriate claims with the fraud department after they sent me an email inquiring which I never responded so that means YES there is some fraudulent issues here. The amount totaling between the two accounts is over, XXXX
Product: Checking or savings account

I recently found a charge for {$540.00} on my truist business checking account for XX/XX/2023. I've never dealt with the company XXXX, ever. It says 'POS transaction ' and I can tell you I've never been to your their store or bought anything online. Never heard of them. The reference number through my bank is XXXX. The authorization response code is XXXX. The last 4 of my debit card is XXXX. Truis refused my claim because they said my contract says if I dont report a charge within 30 days, then I miss my chance. I have not been shown a contract that says that. They said I needed to contact XXXX. XXXX refused to provide any information or refund the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Checking or savings account

I have called consistently and opened claims because they would charge my card for things I didnt approve and would make me account overdraft for no reason and causing fees that werent valid. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX is just some instances of claims Ive made. Ive had to replace my card 2 times but every time its been charged and overdrafted by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My soon to ex-wife, XXXX XXXX XXXX and I purchased a vehicle through Exeter Finance in XXXX. Exeter assisted us in the beginning with 8 extensions when I started becoming ill and ran into hardships, however, over a period of time, I became more XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to inform Exeter Finance of all of this over 3-4 months and I received no support, no respect, or no assistance. I am currently XXXX  due to my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. I have been suffering from XXXX  & XXXXXXXX XXXX with XXXX  of my XXXX XXXX. I only receive my XXXX compensation and I am in a financial hardship, I have even tried voluntarily surrending the vehicle back to them, however, Exeter claims that XXXX XXXX who wasnt making any payments to the vehicle told them to keep it. I still try to keep them up to date on my status with if I am able to pay something or not and inquire if they have obtained the vehicle from XXXX XXXX in Virginia, in XXXX XXXX XXXX XXXX XXXX, and they still have not picked the vehicle up to this day. They always inquire where the vehicle is like I havent informed them where they can pick the vehicle up at. Exeter Finance even informed me not be near the vehicle because of their policy when they repossess the vehicle, however, they still have not picked the vehicle up. Exeter Finance will not update their records to reflect, I am a XXXX XXXX  XXXX  who does not work. They intentionally have listed as being employed making the same amount of money I use too to justify that I have the means to make a payment.
Product: Mortgage

My issue is with Ocwen Loan Services/PHH Mortgage XXXX 

We had two loans and one was charged off The first mortgage had a modification done to it and the second did not and we were not able to get the second modified. 

The HAMP Obama law that was passed was if the first mortgage is modified the second mortgage it is mandatory to modify it. 

This did not happen we were never able to get the second modified. 

Can you ask Ocwen did they not know the proceeders to modify the second after the senior mortgage has been modified. 
I would like a written response to know what happened. 

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

I have filed with the Trade Commission out of XXXX Colorado where my Identity has been stolen and has in fact SSI number was being used all over the U.S., as well as finding that my device, computer, phones, emails have been hacked and compromised. Large purchases have been made from email accounts which I have not made or created. money on employment pay debt. cards all with-in last five years half or all money has disappeared I filed a report with the FBI. Back in 2020 I had a book I have written and copyrighted XXXX XXXX  were made to XXXX XXXX XXXX  in New York, XXXX XXXX, there after my brother XXXX XXXX XXXX a police officer stolen my book from the evidence lock from XXXX XXXX police station which XXXX and past employers ( Bosses ) at last 3 jobs ended up with it books passing it back and forth selling it on -line ... which was file back in 2020 with the FBI .... case number was given XXXX XXXX XXXX was reprimanded, disciplined and or later fired ( uncertain ) ... since then my Birth-Certificate all my Identity was being stolen at 4 different time with different address and information and all my email even my XXXX XXXX account has all disappeared plus my XXXX file my XXXX XXXX XXXX and files have disappeared. and the fraud continues today worst even houses for last 5 years have being robbed completely of all it contents.