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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

On XX/XX/XXXX thru XX/XX/XXXX I XXXX XXXX XXXX XXXX tendered payment in full thereto alleged mortgage company XXXX. Act of XXXX XXXX XXXX etc, .. XXXX XXXX. 

After tendered payment i have not received any communications from them since XX/XX/XXXX. On XX/XX/XXXX I filed a lis pendens with the local Constable and all parties therein were served due to no response knowing they would make an attempt to foreclose after refusing the tender of payment. I received another email notice another filing by XXXX XXXX XXXX alleging a sell of the death pledge or Deed of Trust on or about XX/XX/XXXX with no correspondence to me the XXXX title holder. 

On or about XX/XX/XXXX i received an electronic notice from the XXXX County Recorder stating someone filed a instrument on my private XXXX property. While at the same time i was prevented from filing my own instruments on my XXXX  private property. 

XXXX is the filler claiming to be the Trustee. When this property parcel No. XXXX lot XXXX latitude XXXX longitude XXXX. 

My private property is held within my XXXX XXXX  estate trust XXXX and is kept sealed. I have sealed court stamped documents showing the tender of payment and the exemption of my XXXX  property rather XXXX has sent a woman named XXXX XXXX to my Abode while i was out of the country on vacation celebrating my XXXX anniversary with my cohort. She place a open visible document alleging my home is in default and going into foreclosure on XX/XX/XXXX approximately XXXX where no one could recognize her but caught on camera her XXXX XXXX XXXX  as she parked a few houses down and proceeded to place the documents with blue tape on the Abode. 

She then returned writing on the document a date of XXXX on XX/XX/XXXX. She then returned on XX/XX/XXXX approximately XXXX pm while i was home and left another letter on the door with the same blue tape. I then called the XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and they contacted XXXX XXXX. 

She stated to the Trustee XXXX XXXX XXXX that she was trying to help me save my home. She was warned that the home was tendered in full but she persist to use scare tactics stating the County Recorder has the home listed as in Default which is not true for the Clerk XXXX XXXX XXXX was notified on XX/XX/XXXX by XXXX XXXX mailings of the court orders to remove all instruments from my private Abode. 

It appears that XXXX and XXXX XXXX are working together trying to get me in a contract to sell my home, .. rather my Abode is not for sale and i didn't contact either of them for their alleged assistance.
Product: Checking or savings account

XXXX XXXX XXXX and I opened a joint account with Wells Fargo ( WF ) when he was below XXXX yrs old. 
Around this XXXX XXXX told me that {$1000.00} and {$900.00} were fraudulently. He filed a complaint. Claim # XXXX was assigned to him. I transferred {$1900.00} to XXXX as he is going to cruise. XX/XX/XXXX, WF denied it.My son was informed that debit card under my name was mailed to XXXX XXXX XXXX XXXX, XXXX XXXX around XX/XX/XXXX. 
First of all, we dont live in XXXX  XXXX We have lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX of last year as reflected on our Drivers License. XXXX goes to XXXX XXXX XXXX and I teach at XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed a dispute via phone using same claim number XXXX On XX/XX/XXXX, I sent documents to XXXX per instruction : co-workers affidavit, XXXX Pay Stub, and my bank transactions in XXXX and XXXX showing that I was in XXXX when fraudulent transactions happened in XXXX. XXXX denied again the claim. Somewhere XXXX XXXX, I filed dispute of the same case : fraudulent and unauthorized withdrawal of {$1000.00} and {$900.00} Claim # XXXX was assigned to me. On XXXX XXXX, Wells Fargo denied it again.XXXX  XXXX XXXX and I went to the bank to file a dispute with XXXX XXXX XXXX, Banker of Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX and I were on phone to dispute. with WF. XXXX XXXX XXXX said that around the same time, 2- accounts under my name were opened in XXXX XXXX, XXXX, I received a denial letter via secured Wells Fargo message on claim # XXXX. I responded the same day cc XXXX XXXX XXXX. XXXX XXXX XXXX contacted me. I did not respond. I find it a waste of time to continue working with WF. Should Wells Fargo plan to resolve it, we should have been issued a refund amounting to a total of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XXXX XXXX fr0m XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for Cardmember Service credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, XXXX has no idea! XXXX has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.
Product: Credit card or prepaid card

I have a card from FNBO and I normally keep a XXXX balance since I pay it off every month. I did a balance transfer 2 months ago and they're transferring my debt from the balance transfer queue to the higher rate part of the card. New payments are going solely to the transfer amount at the lower rate and nothing is being applied to the new charges that will all carry the higher interest rate. Per the card act, payments over the minimum payment should be applied to balances with the higher rate- those new charges will carry the higher rate. Please help me fix this!
Product: Money transfer, virtual currency, or money service

It's a follow-up for my last complain : REF NO XXXX Below is primary content : " On XX/XX/2020, the East West Bank suspend the transfer service for my checking account, when I asked their customer service for reopening, they replied that I need add XXXX deposit into this account. I checked my account, there's no evidence showing that I need add money into this account, because it's not a credit account '' I got the email response from EWB, and I also provided the enough information to their XXXX  of operations. Unfortunately they stop replying my email after I provided enough information I wan na them handle this issue as soon as possible and recover my account as fast as possible
Product: Vehicle loan or lease

On XX/XX/2017, I opened an account with Capital One Auto for a car loan. Capital One Auto violated federal laws detailed in the attached letter. Capital One Auto has violated my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. I requested information via certified mail and no response was provided by Capital One Auto.
Product: Checking or savings account

On XXXX the XXXX of XXXX I went to TCF bank branch in XXXX XXXX Illinois which was in the process of transferring its ownership to Huntington bank which didn't take place until later in the year. My goal was get part of my Required Minimum Distribution ( XXXX ) from my Traditional IRA payable to an approved charitable organization. 

To my surprise in late in XXXX of XXXX I was calling Huntington bank the new owner of TCF bank to find out where my 1099 INT form for interest so I could fill out my income tax. 
I was shocked to see a Certificate of Deposited showing {$61.00} interest as the only CD I had at the Bank was an IRA CD. I called Huntington bank to try to get this corrected and get a corrected 1099 INT they would not let me talk to the IRA department said they would research it and get back with me. After 2 weeks of waiting I did not hear from them so I called back and was told that it was a savings account no not an IRA account. I knew they were wrong so I did my own research in my documents and found all the documents needed which I took to the XXXX XXXX branch of now the Huntington bank talk to the assistant manager because the manager was not there she called the IRA department and they wanted my documents scanned for them to look at in my research I find out that I was charged a {$400.00} fee to take my required minimum distribution which is absurd. I need {$400.00} refund of the fee as there was no explanation of fee at time it was taken from my proceeds of my RMD and a corrected 1099 INT as Traditional IRA interest is not reported on 1099 INT. I can not believe the money grab and the total incompetence of a Financial institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car lease with JP Morgan Chase Bank Auto Finance. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my XXXX regarding the same JP morgan Auto Finance account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with Chase Auto Finance.
Product: Student loan

XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at RADIUS XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit 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 # ( private case number ) as proof from the XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account XXXX XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) 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 third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

I am writing again to express my confusion regarding your credit bureaus investigation into certain accounts on my report. As you know, I have submitted the required FTC report to the Federal Trade Commission concerning these fraudulent accounts. Following my submission, XXXX and XXXX removed the accounts from their records. 

I have also contacted the companies associated with these accounts, and they confirmed the removal. Therefore, my question is : why are these accounts still appearing on your bureau 's report? 

As a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. I need to dispute these fraudulent accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ Sunday, XX/XX/XXXX ] Credit Bureau TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX *Subject : Formal Dispute and Removal of Fraudulent Hard Inquiries ( FCRA 605B ) * To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report, which I believe resulted from fraud or identity theft under the Fair Credit Reporting Act ( FCRA 605B ). I did not authorize these inquiries, nor have I conducted business with these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background - I contacted each company directly, but they confirmed no record of my involvement. 
- I have not applied for credit, loans, or services with these entities in XXXX or any prior period. 
- These inquiries are harming my creditworthiness and may indicate criminal identity theft. 

**Request** : Pursuant to FCRA 605B, I demand the **permanent deletion** of these fraudulent inquiries. Enclosed are : 1. Social Security Number 2. My Phone Number 3. My Email Address **Certification** : I declare under penalty of perjury that the above information is accurate and these inquiries are fraudulent. 

Please investigate and remove these items within 30 days, as required by law. Additionally, place a **fraud alert** on my file and provide written confirmation of the resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] **Enclosures** : - [ XXXX XXXX XXXX XXXX XXXX, TX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i applied for a American ExPress Credit Card. XX/XX/2020, the gentleman on the line explained i put a fraud alert on my account threw XXXX i need to give him my correct phone number to be able Open My Fruad alert Account to go forward with the application. i decided to wait intil XXXX  updated my Personal information before i get another inquiry finally my personal information was updated A Month and half Transpired i decided to go forward with the application on XX/XX/2020 only to be denied Twice. when i have a Good credit Score. on top of that there trying to lower my credit score could you please help me I will Mail in any supporting Documents When I receive them from XXXX thank you.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email from Venmo stating someone had tried to reset my password. There was a link in the email to reset the password myself. Unbeknownst to me, my clicking the email triggered Venmo to freeze my account. Fast forward 23 days and my account is still frozen. I've provided ( according to Venmo customer service ) all necessary documentation requested. Is my account unlocked... nope. I have had NO ACCESS to my paycheck for 23 days!! They have held my money XXXX for 23 DAYS!! I have bills to pay, no food, no gas and no money. I have called and emailed to no avail! Please help. I get paid monthly and if this account isn't unlocked by next Thursday, I'll have no access to it either. Thank you for your time.
Product: Credit reporting or other personal consumer reports

experian is reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). They failed to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and also failing to adequately notify consumers of disputed outcomes. These failures to comply was not aligned with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I have provided. This has caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates the federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX 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 or other personal consumer reports

I am writing to formally demand the immediate removal of a fraudulent account that has been incorrectly reported on my credit report. This account is the result of unauthorized use of my personal information and is, without question, the product of identity theft. I have not authorized nor opened this account, and it is critical that this be addressed promptly to protect my financial integrity and prevent further damage.
Product: Mortgage

I have a Satisfaction of Mortgage that Dates back to XX/XX/XXXX That Chase states it is not there Loan, and on XXXX I have a S.O.M From Chase which is in our Register of Deeds here in XXXX Wi. I found out that Chase Not there Loan, Is XXXX XXXX  XXXX The Doc. 
ID.Match. XXXX also states paid in Full as of XX/XX/XXXX I have a S.O.M. From XXXX. Dated XX/XX/XXXX. again recorded in our Register of Deeds here in XXXX Wi. 
Info Dates back to XXXX. XXXX XXXXXX/XX/XXXX Paid Account XXXX Balance XXXX XXXX XXXX.In XXXX was going to Foreclose our Home another S.O.M. I Found out it was a Home Equity Loan This went on for Months. Found out what it From in a Chase office in Louisiana. I have a letter From XXXX XXXX  where we stated in XXXX It went from XXXX XXXX to XXXX XXXX they went Belly Up. 
took over by XXXX. I do have a Letter from XXXX XXXX that my Servicer Is XXXX. Under Wi.Law If you received a S.O.M. endorsed with Time/Date/ and Document number from Register of Deeds Office Nothing further needs to Be Made.The Home was Sold On XXXX Chase collected Approx.82,000.00 then Plus Int. from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my credit score, even after I now have more availability. The credit scores should increase. This needs to stop.
Product: Debt collection

On XX/XX/2022, I have received a letter from TSI asking for debt amount of {$9000.00}, which I never had. TSI claimed that I owe that money to XXXX XXXX XXXX. 
TSI advised in the letter that I can dispute the debt by XX/XX/2022, by mail. 
On XXXX XXXX I sent a letter of dispute to TSI. 
As of today, XX/XX/2022, I have not heard back from TSI. 
Hopefully, TSI realized that I don't have any debt in the amount of {$9000.00}. 
Please help me verified that I am correct. 
Thank you.