23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration concerning the presence of fraudulent accounts on my credit report, a clear result of identity theft. It has come to my attention that my creditworthiness is being unfairly tarnished due to these unauthorized entries, and I demand their immediate removal. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

I remind you that identity theft is a severe crime, and your failure to act promptly may result in further damage to my financial standing and personal reputation. I expect you to conduct a swift and thorough investigation into this matter and take the necessary steps to rectify the situation.

I demand the immediate deletion of the fraudulent accounts from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ). Any delay or negligence on your part will be considered a direct violation of my rights, and I will not hesitate to pursue legal action to remedy the harm caused. I anticipate your prompt attention to this matter and request written confirmation of the removal of the fraudulent accounts within [ 15 days ] from the date of this letter.

Your cooperation is not optional, and I expect a swift resolution to this egregious violation of my credit history. Failure to comply will leave me with no alternative but to escalate this matter further.
Product: Checking or savings account

I received a notice of a delinquent secured property tax bill XXXX. This was the very first time receiving a delinquent notice after many years of paying property taxes on time. When the initial property tax bill was mailed to me in XX/XX/XXXX, I mailed in : Installment # 1 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) Installment # 2 in the amount of {$35000.00} on XX/XX/XXXX ( check # XXXX ) When I received the delinquent notice, I looked online at ttc.lacounty and noticed that I was delinquent on installment # XXXX because the amount due was now {$39000.00} ( including the late fee because it was never received ). It also showed that installment # 2 was never received and recorded by the tax collector.

Below I have attached the two copies of the cancelled checks, printed from my checking account, and both have been cleared on my bank statements. The 1st installment check, sent in on XX/XX/XXXX, was forged via a fraudulent endorsement, and deposited into a bank account. The bank teller that handled the deposit failed to review the name on the check that I had written and compare it to the fraudulent person 's bank account that he/she was depositing it into and also failed to review the endorsement signature on the back of the check, which was merely scribbles. The name on the check was " XXXX XXXX XXXX Collector, '' which can not be easily mistaken for an individual or company 's name. 

When the tax collector received the 2nd installment check, it was applied to the first installment, and late fees were added for both installments.

Further, Bank of Hope has not agreed to take responsibility on this case and has been stringing us along for over six months.

Attached below you will find all of the necessary documentation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one closed my account without giving any notice. According to them, the notice was sent to my address on file. However, I have a mail service that scans every mail. No mail was received. The notice was NOT found on my notice or statements online ( my account is setup as paperless ) either. When I requested a copy of the letter, they are not able to provide such notice. I lost XXXX points because of it.
Product: Vehicle loan or lease

Autopay.com is the company. I have been having Title issues with getting sent to the Department of Licensing. Vehicle was refinanced XX/XX/2022 and current lien holder does not have the title it is now XX/XX/XXXX. Trying to get a hold of the title department is terrible. They do not answer phones and do not give you a straight answer. I simply asked for the tracking number of the package of the title to prove it was sent to the right DOL. They did not give that to me. I asked several times from their customer representatives to ask the title department for an update on the title and they don't have a digital system that can tell them where those issues are or WHAT the issues are with the title. It has been a frustrating month trying to get my vehicle title information updated, and it is because of those companies lack of urgency to transfer titles to the proper parties ( the DMV and the New Lienholder )
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was consolidated with Department of Education / XXXX  on  XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Checking or savings account

There were four written correspondence in addition to two three-way calls between Chase Bank XXXX XXXX Illinois XXXX XXXX XXXX and XXXX regarding {$38.00} owed me by the bank.The Highway Authority states that they deposited this amount to my account ending in XXXX representing a refund on my XXXX. However, somewhere in that time frame, this debit card was compromised and I was issued a new card ending in XXXX. My current debit card ends in XXXX. The Highway Authority has proof of the deposit. The bank concurs that a deposit was not entered in my account. I feel it is their responsibility to track down this {$38.00}.
Product: Money transfer, virtual currency, or money service

In the early XXXX  hours of XX/XX/XXXX, I was out with friends as we were all on vacation in XXXX, XXXX. I got separated from the group, as I walked my XXXX  to her XXXX. I walked her to her XXXX, and after I went to call a friend to meet back up with them so we could get on our way back home. They did not answer. I stopped to text them, and as I unlocked my phone to text them- a unidentified man ran passed me and stole my XXXX from my hands- resulting in several fraudulent charges being made on my digital wallet, such as XXXX XXXX, and XXXX XXXX The XXXX XXXX and XXXX  fraudulent charges totaled greater than {$3000.00}. JP Morgan Chase and their claims department, have not been able to assist me or come up with a fair resolutions regarding these fraudulent charges. Although I have faxed them my full police report that showcases the phone theft and fraud, Chase stills claims that these payments were authorized by me. And they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

Chase has reached out about the inquiries. XXXX has not updated the report to reflect the correct information. Chase said the inquiries should be soft not hard inquiries.

I spoke to a Chase representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my MIB report, under the Fair Credit Reporting Act. I am requesting a copy ofmy MIB report sent to me via mail.
Product: Credit reporting or other personal consumer reports

Discovering inaccurate accounts on my credit report has been an absolute shock, especially knowing how much theyve damaged my credit score. Its frustrating to think that Ive been declined opportunities because of something that doesnt even belong to me.
Product: Credit card

On XX/XX/23 my Credit card was charged {$2000.00} from a XXXX..THIS IS FRAUD AND I NEED THIS MONEY BACK. PER YOUR POLICY FRAUD IS NOT LIABLE TO THE CUSTOMER. THIS CHARGE IS FRAUD AND YOU ARE TRYING TO MAKE ME PAY IT WHICH I WILL NOT BE DOING. 

THIS CHARGE IS FRAUD AND I WILL REPORT IT OVER AND OVER WITH THE CFPB IF I NEED TO UNTIL I GET MY MONEY BACK. 

THIS IS SO RIDICULOUS.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXXXXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

I am disputing the information reported by LVNV Funding LLC on my consumer report for account number XXXX and XXXX. This data is the result of identity theft, and I did not authorize the transactions in question. 

The reported transactions do not pertain to me. I request that you : Stop reporting this account to consumer reporting agencies. 

Remove the account and its data from my consumer report.
Product: Credit reporting or other personal consumer reports

I filed a dispute through Experian regarding an account on my credit report with XXXX XXXX XXXX IN. I disputed that the account is not mine nor do I have any knowledge of this account. Experian denied to follow up with the investigation and I was recently notified that XXXX  has filed a lawsuit against the company. They alleged the company of accepting unreliable information and faluire to notify consumer of dispute results with appropriate documentation to support their decision. This aligns well with my experience with Experian. The company has not attempted to remove nor correct any information, nor have they offered me any supporting documents to further explain their decision. Im requesting this derogatory remark be removed from my report immediately as it is affecting my chances of purchasing, renting, or financing. Experian violates my rights as a consumer as well as federal laws.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts that I cant explain. I review my report regularly, yet this time, I came across discrepancies that hadnt existed before. I even refreshed my browser, thinking it might resolve the issue, but the inaccuracies remained. Therefore, I am requesting a detailed review of my submitted documents so I can finally have peace of mind.
Product: Debt collection

Company NCB management services date opened XX/XX/23, amount {$10000.00}. This information that is reported on my credit report has not been verified it has not been authorized and permitted by me nor does it has my wet signature to be placed on your platform.
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 reporting agency , block 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 consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Product: Debt collection

Conn 's store called started calling my phone on XX/XX/2023 at XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Conn 's called again on XX/XX/2023 at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. The last call at XXXX I spoke with rep XXXX . He verified his info and what he was calling for and stated that call was being recorded. He then proceeded to say that he's calling to collect a debt. My payment for my furniture bill at the time was only six days past due. I asked XXXX why did Conn 's called me seven times in one day on XX/XX/2023 and six days on XX/XX/2023. He replied saying that they are trying to collect a debt. I explained to him that's harassment and I will be making a complaint. He replied umm hmm.
Product: Checking or savings account

I received a very rude treatment from a teller while making a deposit at a local Capital One branch, located XXXX XXXX XXXX, XXXX, NY XXXX. I came to this branch on XX/XX/2022 at about XXXXXXXX XXXX and saw that available Teller 1 and Teller 2 were bantering, with no customers at their windows. I stood in front on Teller 1 waiting for acknowledgement, while he was finishing his chat with Teller 2. I asked him, if he could help me. He waved a hand, with no hello. I needed to make a deposit and entered my bank card in the slot. Machine took its time, but I saw no request for PIN. Teller 1 began patronizing that I should be following instructions on the screen and do what I am told. I told that I do follow the instructions, but there was little to do if no PIN input screen was displayed. He then pressed some button on his keyboard and I managed to enter my PIN. Later he began preaching with superior tone about masks and other remarks about me, even though we were both masked. I told him that I don't appreciate condescending attitude and went to Teller 2- who was available ( no customers ), but pretended he was too busy to help me. I managed to get deposit made by Teller 3 ( XXXX ). XXXX refused to give me the names of the other 2 tellers or manager 's last name, but gave me branch manager 's ( XXXX ) phone ( XXXX ) to report complaint, but when I called - that number was not working or was disconnected. The manager was not present at the branch that day ( XX/XX/2022 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one
Product: Credit reporting or other personal consumer reports

Constantly lied and said they never received my FTC report after submitted it XXXX times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. I gave consent to my consumer law attorney to represent me over the phone. They hung up in my face XXXX times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! XXXX XXXX is my consumer law attorney. That will present me from here on out. On calls with my consent. They have been noncompliance under 15 U.S.C code 1681n Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after XXXX XXXX XXXXXXXX my attorney already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages. 

PLEASE COMFIRM YOU HAVE GOT THE FTC REPORT I SENT IT XXXX TIME THS TIME!!!