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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> I was scheduled to receive a direct deposit from my employer to my bank account. It is still being held up and has not been deposited into my account. The company claim it is due to technical issues and promised it will be resolved the same day. However it has been over XXXX and I have yet to receive my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all three  bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to Transunion ( tracking # XXXX ) XXXX ( Tacking # XXXX ) XXXX ( Tracking # XXXX )
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, and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus 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, Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and Fraudulent Accounts : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you 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: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.
Product: Vehicle loan or lease

The vehicle was paid off via check on XX/XX/2023 for a total amount of {$60000.00}. Chrysler Capital has been contacted various times for the lien release without success. The state of Michigan where the vehicle is currently titled to states that the lien release must be electronic.
Product: Consumer Loan

I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2022. Since then, the account has repeatedly reported inconsistent balances across bureaus every month. This is an erroneous mistake by TransUnion. A charged off account should show accurate balances across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2023 : Best Buy Credit Card ( Citibank ) statement included fraudulent purchase of three digital e-gift cards totaling {$500.00} : - XXXX XXXX XXXX. {$200.00} - XXXX. {$200.00} - XXXX XXXX. {$100.00} On the same day I received three emails from " XXXX XXXX from Best Buy '' with links to the e-gift cards that I presumably purchased. I did not purchase these e-gift cards. Called the Citibank customer support center ( XXXX ) the same day to report the fraudulent purchases. Cancelled the credit card and was re-issued a replacement. Reported the incident to the Citibank Fraud Research Department via a phone transfer from customer service. 

XXXX XX/XX/2023 : Received a letter from Best Buy ( Citibank ) Security Operations stating that following their review, I was responsible for the purchases because I had " received benefit from the disputed charges ... ''. I've not downloaded, nor have I used the e-gift cards that I didn't purchase. 

XXXX XX/XX/2023 : Contacted BB/Citibank Security Operations after filing a police report. They requested and I fax 'd to them a copy of the report. 

XXXX XX/XX/2023 : I contacted BB/Citibank Security Operations to request a status on my claim. They relayed that they'd not yet received the Police Report. I re-FAXed the report ; the charges still remain on my CC statement.

It's now been over three months and my complaint has not yet been resolved. In fact, the last letter from Citibank threatened me with their intent to report my charges to the credit agencies...
Product: Mortgage

My mortgage with Wells Fargo was put into forbearance, payment waiver. I still pay it. They are sending me past due invoices and increasing the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX Experian XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is XXXX Please adjust immediately. XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX  Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating they believe the disputes are coming from a third party, which is not true. Despite my efforts to verify my identity through a phone call, they still refused to process my disputes. 

Im frustrated, as I spent money mailing my disputes and provided personal information to verify my identity, only for them not to conduct a thorough investigation. I have attached the letter, relevant documents, my identity theft report, and the Power of Attorney. Please delete all the accounts mentioned in my letter. Thank you.
Product: Credit card

New account holder and setup bill pay to make payments ... {$350.00} same day payment on XX/XX/XXXX was returned on XX/XX/XXXX, then another attempt on XX/XX/XXXX for {$350.00} and received another email stating the payment was returned? Checked with my XXXX XXXX bank and they confirmed BOA has not made any attempts to withdraw from my checking account. They have suspended my bill pay twice now XX/XX/XXXX - ON hold for over XXXX minutes until connected. CSR told me there was not a return on bill pay and that I would have to wait XXXX hours for it to be reactivated even though she did not have any information to provide and said the account is current XX/XX/XXXX - Made online payment through BOA Portal for {$350.00} and received another email stating the payment was returned but no reason why and now my account is past due? Was not able to make payment via the portal, so had to call their XXXX to make the payment No one has been able to explain what the issue is and I'm at the point where I feel like its abusive, unfair and deceptive.. all violations of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IAW 15 U.S. Code 1681s2 XXXX Responsibilities of furnishers of information to consumer reporting agencies, a debt collector can not... 

( A ) Reporting information with actual knowledge of errors 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. 

XXXX XXXX, a debt collection company did not provide proof that the debt collection was in fact accurate and belonged to me. The debt collector provided me with a billing statement only. 

I ask the debt collector to provide proof of a signed contract with my signature and that was not provided.
Product: Checking or savings account

I keep getting a run around that my account was closed due to unauthorized transactions, I want to know which transaction was unauthorized so I do not go through this again in my life as it has been a mess. I have the right to know which transaction caused the issue in which Wells Fargo has closed my account. 

I have been to the bank many times, I did request statements in my previous post and they did mail them but will not tell me which transaction I received was unauthorized which puts me and my business at jeopardy of this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, husband and wife applied for a joint mortgage with Ocwen/Homeward. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, PHH took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted XXXX  and PHH to no avail. PHH confirmed that the quit claim was signed in XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with XXXX.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC to formally report a violation of my rights under the FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( ( 15 U.S.C 168 1b ) and applicable provisions of the FDCPA. Fraudulent activity has impacted my FICO credit report, including unauthorized accounts and fraudulent collections that were reported without my authorization. These actions are clear violations of my rights, as the accounts were reported without verification or my consent, resulting fraud. I demand that these fraudulent items be immediately removed from all of my credit reports I request a thorough investigation into how these violations occurred. FTC Report Number : XXXX, dated XX/XX/year>. 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 and FCRA 605 ( b ) 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 account number XXXX Please find enclosed the following documents to support my claim :. I hereby demand the immediate removal of this fraudulent account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( FDCPA ). I require that this account be deleted in compliance with these protections, and I expect confirmation of its removal to ensure. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was approved to do a short sale on my home by XXXX XXXX due to loss of income. 
The house was listed on X/X/2017 at the sales price of {$590000.00} From the beginning of this process XXXX XXXX has made it difficult to deal with. Attached are offers we received on the house all were denied by the Bank. 
The listing was cancelled on XX/XX/XXXX and put back in to foreclosure. 

During that time the listing agent has received 5 more offers, the last offer we received was in the amount of {$560000.00} cash which XXXX XXXX denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not remove the XXXX XXXX collections that isnt mine.
Product: Checking or savings account

I AM ABSOLUTELY FURIOUS WITH WELLS FARGO AND XXXX. I HAVE SUBMITTED SEVERAL COMPLAINTS AND NO RESOLUTION. IN XX/XX/2019 I WENT ON VACATION ALL PAID FOR BY XXXX XXXX TO XXXX XXXX XXXX. AT THE SAME TIME I WAS THERE, MY INFORMATION WAS USED WITH XXXX AND THEY CHARGED MY ACCOUNT FOR NIGHTS AT BEACH PALACE HOTEL. I OPENED A CLAIM WITH WELLS FARGO, I SUBMITTED SUPPORTING DOCUMENTATION INCLUDING THE LETTER I GOT FROM XXXX STATING THAT THEY HAVE NO PAYMENT FROM MY ACCOUNT, AND A RESERVATION WAS NOT CHARGED, BUT WELLS FARGO IS NOT GIVING BACK MY MONEY. MY TRIP WAS FULLY PAID BY XXXX XXXX AND I DID NOT AUTHORIZE ANYONE TO CHARGE MY ACCOUNT. I HAVE NO IDEA HOW A RESERVATION WAS MADE WITH MY INFORMATION AND IT WAS CHARGED TO MY ACCOUNT. I HAVE ATTACHED MY PAID ITINERARY FROM XXXX XXXX, INCLUDING STATEMENT SHOWING WHERE THE ACCOUNT WAS CHARGED, AND XXXX WAS THE MERCHANT THAT CHARGED, MY ACCOUNT, AND I ALSO ATTACHED AN EMAIL FROM THE MERCHANT STATING THEY DONT SEE SUCH CHARGED AND I SHOULD CONTACT MY BANKING INSTITUTION TO RECEIVE MY CREDIT. TILL TODAY WELLS FARGO HAS NOT GIVEN MY MONEY BACK AND IM FURIOUS!