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

Account info : Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$450.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The company reported many aliases ( around 5 ) and wrong addresses on my credit reports. There are also collections on my credit report which are not accurate. these informations are damaging my opportunity to get funding and mortgage. There are also account open in my name that I do not recognize. by example for XXXX has account that was open under my name when my identity was stolen. I ask that the credit report reflect accurate information. I was both victim of XXXX and Experian data breach. I would like to see these inaccurate information be removed from my report and prevent any collection agency to repost them after they are removed.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Debt collection

Account in question is a result of identity theft. Please investigate and remove from credit file. This account does not belong to me.
Product: Mortgage

I received a letter from Freedom Mortgage company ( who is servicing my home loan ) on XX/XX/19 basically telling me that they had completed an escrow evaluation and that I owed them {$2300.00} by XX/XX/XXXX and that my Mortgage payment of {$1600.00} would be increasing to {$2100.00} effective on XX/XX/19. I immediately called the Escrow department and we walked through the escrow payments out and money in over the year that I have owned the house. My initial thought was that my property value had been reassessed but my current tax bill is {$2500.00} per year and this would now be a {$4000.00} increase per year. What Freedom discovered was that they made a payment to a county back in XXXX ( XXXX Co. ) that I do not live in on a house that I do not own. This money was sent back by XXXX County in XXXX and noted as " already paid ''. Once sent back from XXXX County, no internal questions were raised as to why it was sent in the first place. Freedom then sent {$2000.00} back to XXXX County on XX/XX/XXXX and after my escrow account went negative, they sent me the letter stated above. Now I am being told by Freedom 's tax department that until XXXX County send back the {$2000.00} to Freedom, that my escrow account will show negative and a new evaluation can not be performed as it would give the same result. I have until XXXX to rectify the negative balance and make the increased payment and once the money comes back from XXXX County, they will do a new evaluation and if there is an overage ( which there obviously would be ) I would be refunded the overage and my payment would be adjusted back to the proper amount. I asked to speak to a supervisor and was told that I could be transferred to a customer service representative which basically said that the tax department handles these matters and they have TOLD me how it would be handled. I sent a letter ( e-mail ) to the customer support address on Freedom Mortgage 's website this morning and received a form letter response that they would not engage my issue through e-mail but instead would send me a letter by US mail with their response. With the timing of this being critical, I was hoping to have this resolved by XX/XX/19.
Product: Checking or savings account

When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..
Product: Mortgage

I have asked repeatedly for loan origination paperwork displaying all debits and credits for accounting. In court now asking for original paperwork..proof of claim. There is also a promblem due to fraud and coercion, requiring me to wave my rights in a document titled WAIVER OF BORROWERS RIGHTS in order to close the loan. Documents violate my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX  and XXXX  1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

US Collections West is reporting an open collection on XXXX and public records on XXXX and XXXX that has been paid. Beginning XX/XX/XXXX US collections West began garnishing my paycheck at {$570.00} per month for a Public Record from XXXX XXXX XXXX. The judgment was paid in full. Additionally, the wage garnishment was illegal due to the fact that I was never notified that they were planning to garnish my wages. At the time, I was unaware of my rights and was completely over whelmed, as I lost my place to live. I disputed the account with XXXX on XX/XX/XXXX. As a result of that reinvestigation, US Collections reported to XXXX that the account is accurate and continues to report with a balance. They have not responded to my request to validate the debt and to show proof that I am legally contracted to pay them. 

Moreover, the XXXX US Collections Account from XXXX XXXX was placed on my XXXX File without any prior notice. I am seeking to have both permanently removed. 
Below are the referenced account numbers. 
1. U.S Collections Acct # XXXX XXXX 2. U.S Collections Acct # XXXX XXXX
Product: Debt collection

This company continues to keep reporting a account to the credit bureau that is not mine it has been removed 3 times and added back to reage the account so they can try to collect for something that was never mine. The account continues to come back verified which there is no way I received a bill from them that had a address that I 've never lived at I contacted XXXX the original owner of this account they told me the account was opened online an was over 7 years old they could n't give me a lot of information or even when the account was originally opened but they said it was n't in there systems I filed a identity theft and this should have stayed removed from my credit I also contact this agency they only gave a bill they never showed proof of signature or anything validating this clam and XXXX no longer owns the account an ca n't give me any information so seeing that the original creditor sold this debt to Diversified Consultants they forfeited their rights to collect any thing from me as well as no one can produce a signature or a address that I 've actually lived at. Also I never agreed or signed a contract with this agency XXXX removed this account from my credit years ago due to me filing this same complaint and sold it to this company.
Product: Debt collection

Westlake financial is Saying i owe The XXXX for a car. I reported In 2010 to the police that the person signed my name and used my identity i thought This was squared off and now i see It on my credit report.. I dont know what to do
Product: Credit card or prepaid card

XX/XX/XXXX USAA Response CFPB XXXX XXXX CONFIRMS XXXX {$170.00} XXXX {$170.00} see attatched statement XX/XX/XXXX transactions ( WERE ** ONLY CALLED IN UNAUTHORIZED XX/XX/XXXX, XXXX AND. *** THIS IS WHY USAA DID NOT PROVIDE FRAUD DOCUMENTATION COMPLETION LETTER ) see attatched ftc ID THEFT case XXXX ID THEFT XX/XX/XXXX - XX/XX/XXXX. Kindly Note USAA PROVIDED NO ACCESS OTHER THAN TO CALL IN. ( 4 ) emails NO XXXX ASSISTANCE XXXX provided upon request. USAA PROVIDED NO OPTION BUT TO CALL IN. see attatched Fraud Letter XX/XX/XXXX FRAUD CLAIM DATE {$470.00}. Kindly note this does Not include the XX/XX/XXXX XXXX Unauthorized Transactions. see attatched Statement XX/XX/XXXX Kindly Note USAA DID NOT PROVIDE USAA FRAUD CREDITS {$470.00} FOR XXXX TRANSACTIONS OR CREDITS FOR XX/XX/XXXX FRAUD COMPLETION DOCUMENTATION. USAA IS MOST DEFININITELY ** NOT XXXX ACCESSIBLE. ** USAA DESTROYED MY CREDIT. XXXX USAA COLLECTS ON ID THEFT. XXXX USAA DOES NOT FOLLOW THE LAWS OF FAIR CREDIT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$510.00} XX/XX/XXXX XXXX  XXXX {$510.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED New Inquirie Date XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX/XXXX  Auto Financing XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  # XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX Auto Dealers, New XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX/XXXX  XXXX Late Payments XXXXXXXX XXXX Late Payments 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Social security # XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you early warning system reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information have been a major problem with me opening up any new bank accounts. I gave made multiple complaints addressing this matter and will be taking steps into getting this situated in the court if thats what it takes. This consists of an account that opened up by XXXX  XXXX XXXX account # XXXX Opened on XXXX. accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer report. Once again I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Early warning system consumer report.. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

A card authorized to my mother by my fathers credit card was falsly reported on my credit report. Per XXXX XXXX ( XXXX/XXXX/2017 ), they do not have my ss # on file for this cc or for it to show up on my credit report only the shared name of my mother.
Product: Credit reporting or other personal consumer reports

I sent Experian a police report, ftc report, drivers license and letter requesting to block and delete charged off accounts within four days with XXXX, XXXX, XXXX, and two charged off accounts listed with XXXX XXXX on XX/XX/XXXX. See the attached complaint. 

All accounts were removed on XXXX and placed back on my consumer file without notification five days prior of this occurring. I called Experian and was told the accounts were verified. I requested copies of all files, contracts, ledgers, verification methods, 1099c 's since these accounts are charged off, and all other methods/documents used to verify the account. No documents were ever sent to me. 

On XX/XX/XXXX I submitted another compliant to Experian with documentation of the accounts I requested to be blocked and deleted within four days being previously deleted and placed back on my consumer file once again without any notification. 

I received an email on XXXX XXXX XXXX from Experian asking for my drivers license, and documentation once again, see the attached email. I have already sent this in back in XXXX, of XXXX, see the attached complaint. 

This private organization continues to violate my rights as the owner of the my consumer file and ignore my request to block and delete the accounts I requested off my consumer file and provide me with ALL proof requested multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX AUTO # XXXX Account Name : CREDIT COLL # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/year>
Product: Credit reporting

this not my credit card # XXXX so please remove from all XXXX reports. 
thank you
Product: Checking or savings account

On XX/XX/XXXX I went into a local Fifth Third Bank because I had a check to deposit and I had been unable to login to my 5/3 app, so I wanted to see if they could fix it. They fixed my app login and when I logged in I saw that my savings account had less money in it then it should. I looked at the transaction history and saw that on XX/XX/XXXX a check ( # XXXX ) was posted for {$8800.00} to XXXX XXXX, whom I do not know. Then on XX/XX/XXXX there was another check ( # XXXX ) posted for {$5600.00} to XXXX XXXX, a person I also do not know. I have never bought checks during my time as a 5/3 member. The signatures on the checks were not mine. It was after business hours, so I called the dispute team on XX/XX/XXXX and spoke with a lady and they emailed me paperwork to fill out. I returned the Statement of Fraud paperwork back to the 5/3 dispute team on XX/XX/XXXX via email. My case number is XXXX. I received a letter from them in the mail today that was dated XX/XX/XXXX. The letter states that my transaction dispute for {$14000.00} was denied because " the time frame for submitting a disputed transaction is thirty days after your related statement end date. Unfortunately, the dispute was submitted outside of that time frame. '' They never informed me that there was a window for dispute claims when I had called them on XX/XX/XXXX, and that was 30 days after the related statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I disputed incorrect names and or address that appeared on my credit report with Experian, XXXX and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that Experian has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION