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

I have been made aware of fraudulent accounts that have appeared on my credit report as a result of identity theft. I recently became aware that my personal information was compromised in the XXXX data breach, and unauthorized accounts have been opened in my name. 

The following accounts do not belong to me and should be removed from my credit report immediately : XXXX XXXXXXXX XXXX XXXX  for {$280.00} XXXX XXXX XXXX for {$620.00} XXXX XXXX XXXX  Account for {$630.00} Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the necessary steps to correct my credit file and provide me with a written statement confirming the removal of these fraudulent accounts. Additionally, please place a fraud alert on my credit file to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX
Product: Debt collection

I have a brand new mortgage. The XXXX XXXX XXXX sold the servicing to Specialized Loan Servicing effective XX/XX/2021. The XXXX mortgage payment correctly went to The XXXX XXXX XXXX. I am receiving multiple calls each day from Specialized Loan Servicing trying to collect the debt that I do not owe them ( or anyone ). On the phone they acknowledge I do not owe them and that they will continue to make the calls. 

I have asked for a letter from Specialized Loan Servicing stating that as of the current date, I do not have any past due amount and they will not comply. I have requested that I be put in touch with someone who has the authority to send that letter and they will not comply. The standard offer has been to have someone contact me in 24-48 hours and that time elapses without any communication aside from more debt collection calls. 

The phone numbers are masked so it will be hard for me to prove how often they are calling but it is very frequent.
Product: Checking or savings account

I WENT TO OPEN A CHASE ACCOUNT AND MY security security number BEEN EXSPOS I NEVER HAD ANY OTHER ACCOUNTS THEN CHASE IT WOULDN'T LET ME DUE TO XXXX  I believe MY SSN AND DAY OF BIRTH BEEN USED PLEASE REMOVE ME OFF OF XXXX SO I CAN HAVE A BANK WITH CHASE!
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report XXXX, equifax, XXXX for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having this Problem for about XXXX years.My mother passed away in XXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are XXXX XXXX or have XXXX XXXX XXXX.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and XXXX XXXX  keeping by Wisconsin State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state of Wisconsin.The Mortgage company XXXX XXXX sold the loan over to XXXX XXXX without knowing that at this point the whole mortgage was fraudulent.XXXX gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by XXXX XXXX XXXXThis should have let XXXX XXXX XXXX know that had bought a fraudulent loan with a deceased person name on a mortgage statement.XXXX XXXX XXXX threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died XXXX XXXX XXXX and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I had a fraudulent transaction on my bank account through the XXXX XXXX in the amount of {$1800.00}. This individual, XXXX XXXX added their name into my contacts somehow. They aren't currently and never have been a contact directly on my device. I received a text XXXX XXXX on the XXXX from XXXX XXXX XXXX with XXXX saying, I added or edited XXXX XXXX as a recipient. By the time was able to get someone on the phone address the issue, the transaction had gone through. The bank issued a temporary deposit to my account until investigation was completed. They say they did not find where the transaction was not authorized and withdrew the money from my account leaving it at a negative balance on XX/XX/2021. Being that I trusted this bank to keep my funds secure and I am a victim of fraud, I would like to get my money back. I really hope it's possible that you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two separate handwritten, certified letters to Equifax. The first was sent XX/XX/2022. I disputed a charge listed on my report that is not validated. I sent a second certified letter XX/XX/XXXX, and they still have not removed the unvalidated charge. 

The charge has not been fully verified whatsoever. Equifax did not send the requested original contract I am purported to have entered into with the company listed on my report in error. 

Please help me make this correction, and either make sure that Equifax follows the rule they are required to by federal lay ( providing me the original contract with the debtor listed ), or deleting it from my report- also required by law if they do not comply with validation of the debt. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # XXXX ( XXXX XXXX XXXX XXXX  ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud XXXX identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX : {$5900.00} ; XXXX CARD XXXX Balance : {$3600.00} ; XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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
Product: Mortgage

My name was removed off a warranty deed with survivor 's rights by Huntington Bank on a home XXXX XXXX XXXX, Michigan that I set up for XXXX XXXX and her XXXX children. She also held a XXXX XXXX XXXX to the home with survivor 's rights. Huntington Bank gave her a loan without my approval or signature. To secure their loan, they removed my name off the title through the courts, without my knowledge. I see three guilty parties in this chaos of greed, Huntington Bank, their lawyers along with the XXXX XXXX deed holder - XXXX XXXX. These are legal actions with no justice and should carry severe penalties for all parties. The trail of paperwork displays their actions clearly. We have tried contacting Huntington Bank XXXX Department with no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : 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 have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.
Product: Mortgage

Shellpoint became the servicer of my loan on or about XXXX XXXX. On XX/XX/XXXX at XXXX a.m., I called Shellpoint to ask for a copy of my Note and I was told by XXXX of Shellpoint that they did not have my Note and that I had to get a copy of my Note from the previous servicing company. When I said, " what do you mean, that makes no sense. Shellpoint sent me a letter informing me that it would be taking over my loan servicing in XXXX XXXX and it wants me to pay it but it doesn't have my Note and will not provide a copy to me ''. XXXX replied, " You can call serving ''. To which I responded, " I did. You work there, submit the request! ". Then she said, " I am not going to request it for you. ". Also, I asked to be told what number payment I was on and XXXX told me XXXX. This loan originated in XX/XX/XXXX, it has to be more than XXXX. XXXX also lied to me. She said that I had to show proof of my hazard insurance. That the Note said I had to but yet, she told me that Shellpoint didn't have my Note. I asked to speak to a supervisor and XXXX put XXXX XXXX on the line. He was not a supervisor. I asked him to allow me to speak to a supervisor and after telling me three times that he was still waiting for a Supervisor and then sent my call to an out going message that said Shellpoint was closed. It wasn't closed. It was XXXX a.m. and Shellpoint is open until XXXX p.m. on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this has been a nightmare. XXXX credit card showed up on my Equifax report XX/XX/XXXX. it is not mine and never had any XXXX, but they did conversion with XXXX XXXX and an old XXXX XXXX card that was closed in XXXX with bankruptcy is showing up since conversion. Equifax will not help and reports they just add whatever " they send us. sorry ''. please help. it says limit XXXX and balance {$1300.00} and that I made a payment XX/XX/XXXX????? all untrue and not mine. I'm worried this is fraud from XXXX and they will not respond by my requests have spoken to associates 21 times all to no avail.
Product: Money transfer, virtual currency, or money service

This girl and her family and grandmother and third world countries and XXXX police and the wells XXXX XXXX and XXXX XXXX and XXXX XXXX and a lot of people in XXXXXXXX XXXX  the XXXX XXXX XXXX the midget in XXXX XXXX and others need to stop using my credit. XXXX XXXX XXXX XXXX I believe she frauded them. And a host of others. The treasury department in XXXX keep seeing in my XXXX names XXXX XXXX XXXX And XXXX XXXX XXXX. Please help them stop using my credit. They even changed the year I was born and took my address. It's also XXXX XXXX XXXX XXXX XXXX XXXX XXXX Obama and his daughters. I'm in washington. XXXX XXXX XXXX IRS and a host of others Stop these people please. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XX/XX/scrub>XXXX XXXX XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. A charge off is considered Income and can not be reported on my report being a CERTIFICATE OF INDEBTNESS!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : Equifax XXXX XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX Tel XXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After over XXXX counts of identity theft, I discovered that Clarity Services , Inc. was disclosing inaccurate consumer information about me to other consumer reporting agencies and/or business entities. I contacted Clarity on numerous occasions requesting this information be corrected and/or removed. In addition, I requested my complete consumer file disclosure and the sources of information found upon my consumer report. I also identified three items of information and requested the sources of that information. After spending over {$500.00}, I was directed to make a written request to the XXXX of XXXX. That written request was received by Clarity on approximately XX/XX/2022. I have still not received the requested information.