23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account # XXXX was opened with my SS # and my name with the company XXXX XXXX XXXX The address in this account, XXXX XXXX XXXX XXXX XXXX, TX XXXX. This address s n't my address and has never been linked with my credit, financial, or personal identity information, and it's completely different from my current address. 

The account was opened on XX/XX/XXXX and closed on XXXX XXXX, XXXX with an unpaid balance of XXXX USD. 

This account was reported to all 3 of my credit bureaus. on XX/XX/XXXX. 
I don't recognize any of these accounts or charges. I want to report this as fraudulent charges incurred by somebody who stole my personal information. 

I would like the collections agency to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX A XX/XX/XXXX Fraudulent Collections/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit bureaus have been reporting several names on my credit report and as for my fcr it's one name one social address date of birth etc but please remove inaccurate name spelling and report my correct name as I was born as
Product: Checking or savings account

I received several emails from Chime about a new account that was opened, and to link my direct deposit to fund it, and to expect my physical card in the mail. They had my email, and my mailing address correct. 

I then received several more emails about money I had sent to others. 

When I called Chime to report a fraudulent account, they wanted my full name and the last four of my social. I was hesitant to give them this, but I did. They confirmed an account was opened, and they would immediately close it and that I would not be responsible for any charges. 

I then asked for an email stating all of this, and they agreed and sent it out immediately. 

Their customer service seemed very familiar with this type of call and problem, so it makes you wonder why Chime doesn't do a better job of verifying people?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on [ date ]. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. 

Details of the inquiry are as follows : Date of Inquiry : XX/XX/2024 Inquirer : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. 

If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. 

Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at XXXX or XXXX to discuss any further information or documentation required. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX
Product: Debt collection

Source Receiveable Management this account was already remove once from my report as unverified with a previous Third party collections agency. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim for this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested for several accounts to be removed and or updated. 

Acct. amount {$5500.00} incorrect Acct. amount {$24000.00} shows account was open XX/XX/XXXX but shows a payment history does not start until XX/XX/XXXX. 
Acct. {$1100.00} There are charge-offs accounts thats been paid but show monthly amounts are due. 

There are inaccurate payment histories being reported.
Product: Debt collection

I have a similar name as another individual and received a call from Critical Resolution Mediation located in  XXXX , GA. The representative was named  XXXX   XXXX . She asked me if I was the person she was looking for and I indicated that that my name is the same as someone else but the SSN does not match.  XXXX   XXXX  then proceeded to say " well you just said your was the individual '' and I answered " my name is the same but not the same SSN thus I am not that person ''. Well she then proceeded to represent herself as an attorney and called me a "   XXXX   XXXX   XXXX   '' and hung up. I proceeded to call her back and she indicated that " you will not get the last word '' and hung up on me again. I am concerned that this may be scammer trying to obtain information or a unscrupulous debt collector who resorts to name calling in order to intimidate people. This debt is not mine and representing yourself as an attorney when you are not is a threatening tactic. Please do something about these people as no one deserves to deal with a business that would use  racial  slurs to get their point across.
Product: Checking or savings account

I am a college student from XXXX XXXX. I opened a bank account from Bank of America and I deposited a fake check of {$2400.00} in late XXXX, 2022. I was looking for a replacement to take over my apartment lease but the person turned out to be a scammer. Of course, I realized right after I deposited the fake e-check and the money bounced back right away. In about 6 months, in early XXXX, Bank of America suddenly closed my bank account which still has money of about {$1100.00}. I have been trying to talk with BofA customer service, but they always keep telling me to just wait until they finish their investigation and they always say how long it will take. I have been calling them for the past three months, they always answer the same thing. I am graduating and going back to XXXX XXXX in XXXX. If I can't get my money back by then, I have to lose my money since I have to seek a job in XXXX starting XXXX. I did not do anything wrong but deposited a fake check from an unknown person. The money just bounced back right away so I've never been able to use any amount from the fake check. But bank of america closed my bank account without any notice and also reported me to XXXX system and still hold my money not giving my money back. This is unfair. They do not talk with me always read the lines saying " wait ''.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear Equifax, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile. 

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and EQUIFAX MORTGAGE SER, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ). 

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation. 

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), Equifax expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next 30 days. 

Failure to do so will be construed as willful noncompliance on the part of Equifax, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

Your prompt and unequivocal attention to this matter are non-negotiable. I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.
Product: Checking or savings account

This complaint is being filed regarding an excessive hold delay on the availability of funds from a check deposit. On XX/XX/XXXX a check was deposited at a local Bank of America branch ATM for {$10000.00}. After depositing the check the ATM displayed a message which was also included on the printed receipt which stated a hold was placed on the deposit which would delay the full amount until XX/XX/XXXX. 

I parked and went into the bank to seek a resolution with someone in person. The teller stated she was unable to do anything and simply gave me the phone number of a Bank of America customer service line to call. This was written on a Post it note. What a joke.

The check has cleared from the originating bank ( it was a check written from my business account at a different bank to my personal account at Bank of America XXXX. I called the customer service line today to see if the hold could be released or the process sped up since the {$10000.00} is already gone from the originating bank account. The person I spoke with via BOA customer service stated that nothing could be done, and I would simply have to wait until XX/XX/XXXX for the funds to be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Against Trans Union XXXX XXXX XXXX XXXX PA XXXX I was denied credit by two financial institutions based on misinformation in their report. I have attempted multiple times by phone and by internet to get a copy of my report and failed. I am complaining because there is no other way to contact Trans Union. They have failed to provide a copy of my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Subject has not satisfied debt. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Subject has not satisfied debt.
Product: Mortgage

Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.
Product: Credit reporting or other personal consumer reports

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We submitted a RMA on XXXX XXXX, 2016 via email and received confirmation of our submission. On XXXX XXXX, 2016 I called to check on the status and I was told to submit everything again with updated information. I submitted an updated application on XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told they had everything they needed and were going to expedite the process. I called on XXXX XXXX because I had not heard anything yet and was told that the file has been referred to an attorney but to go online and submit another application. I submitted the updated information today. I thought that I would have a decision within 30 days from submission. This company has lost or ignored my paperwork twice and I would like to have the file expedited so we can begin the modification process and stop the foreclosure.
Product: Mortgage

Between XXXX through XXXX Chase has been paying a stranger 's home owner 's insurance policy from my escrow account. Due to this fraud, my mortgage payment has been going up significantly every year. State farm has been made aware and has reimbursed Chase {$9700.00} to cover the amount that was paid out of my escrow account. Chase received a payment of XXXX on XX/XX/XXXX and a payment of XXXX on XX/XX/XXXX from XXXX XXXX. As of today Chase is only willing to reimburse me {$5800.00} of the money that was stolen from me. Chase claims they have mailed a check for {$5800.00} but I have not received it yet. They are claiming escrow shortages that clearly are no fault of mine for the reduced amount. I have always paid my constantly increasing mortgage on time and I am completely appalled that Chase will not reimburse the full amount that was fraudulently taken from me considering XXXX XXXX acted properly and rectified the issue. I spoke to a supervisor today who insisted that I am not entitled to the full amount stolen from me and he refused to transfer me to a manager. The fact that Chase is completely aware of my victimization and still continues to act improperly is absolutely abhorrent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my report in collections that do not belong to me. They are Caine and Werner and XXXX XXXX XXXX. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.
Product: Credit card or prepaid card

I signed up for the Chase XXXX XXXX XXXX with the following offer : XXXX XXXX XXXX  : Earn XXXX bonus miles after you spend {$4000.00} on purchases in the first 3 months from account opening. 

I have not received this sign on bonus after spending over {$4000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. After I asked about the requirements, they said I needed to spend {$5000.00}. This is their current sign on bonus offer but not the offer that I initially accepted. They are refusing to look further into this. Also while on the phone, I was verbally told that I met the sign on bonus by the operator before being told by a manager that I did not.
Product: Debt collection

Portfolio Recovery will not leave me alone and they are violating the Fair Practices Act. They call me early in the morning, late at night, Twice on weekends, constantly harassing me. Despite disputing the debt with the credit companies, and for the most part, getting them expunged, they reported it as a new debt for XXXX  This should be illegal because I never signed into a contract with them and they can not continue to try to harass me and mess up my credit this way.