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

In accordance with the Fair Credit Reporting XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to remove all negative and unanswered items.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 2 Capital One accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first Capital One account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd Capital One account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX
Product: Checking or savings account

I was scammed i cashed XXXX checks of {$1400.00} that were fraudulent and i didnt know. I sent {$1600.00} out of the XXXX checks and the rest remained untouched. The bank took back all XXXX checks to which i owed a total of {$1600.00} to Wells Fargo. I have XXXX accounts with wells fargo my checking and my savings, all the money was taken from my checking and i acknowledge what i owed and was trying to pay off the debt to close the account and move on. After XXXX weeks of being transferred from department to department no one could help me, what ended up happening was they took what i owed from my XXXX  account to pay it off. Now my savings account has still been untouched but they where still closing it, in my savings i have a total of {$2600.00} ; i called the loss prevention line and they said i can pick up the funds to close the account permanently ; when i went to get the funds they said that the bank had taken it and will not give back saying that i owed that much ; when in fact i didnt owe anything other then the {$1600.00} since Wells fargo had taken the uncashed checks directly out of my checking ; this is my first time being scammed and i have been treated like a criminal, they will not work with my on anything and nobody knows what they are doing over the phone. My savings is my money that i dont owe to anyone so their is no reason for Wells Fargo to be saying that i owed that on top of the {$1600.00} i have statements that show i didnt spend the other checks and statements confirming Wells Fargo took the uncashed checks out, i payed what i owed and now their saying i owe more this has been nothing but a childs game for the past month ; i want my funds from my savings as i dont owe Wells Fargo anything after the {$1600.00} was payed back to them of the fraudulent money.
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 the 3 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. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$870.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus 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 the credit bureaus 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: Debt collection

XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified XXXX of his death and subsequently provided it with the documents issued by the XXXX. XXXX assigned it to Ascension Point Recovery Services ( ARS ). ARS advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of Mr. XXXX ' death. I asked and their representative could not tell about repayment deadlines. ARS 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to XXXX : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called Ascension & asked for a balance. Their Representative said the account was returned to XXXX in XX/XX/XXXX & gave me a phone number to XXXX XXXX XXXX. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called XXXX & spoke to Representative # XXXX and asked how XXXX got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of XXXX in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Due to the large amount of debt that I have incurred going to school, I have not been able to pay on both my private and federal student loans. When brought to the attention of my company, they simply say they can not lower the payments in any capacity to allow me to actually make payments and thus I have had to use all of my forbearance that I am allotted. I will have none left come XX/XX/XXXX, and they refuse to work with me on lowering any of my payment amounts so that I am able to make any kind of attempt to pay the loans off. I am living paycheck to paycheck because of these student loans and see no reprieve or even attempt to lower the payments so that I can actually make them.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : CAPITAL ONE 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I am requesting that the complaint I filed with Capital Mortgage Services of Texas ( NMLS # XXXX ) be re-opened and investigated ( Complaint Number XXXX ). The reason I am requesting is that their response was not accurate based on the following additional information I am providing below. 

1. Today, Capital Mortgage funded a mortgage for XXXX XXXX XXXX. This home is in the same Condo home owners association as the property I am under contract to purchase. 
2. The loan was opened in their system on XX/XX/20. That is when they received this information.
Product: Credit card or prepaid card

I checked my XXXX XXXX account ( rough estimate XX/XX/XXXX ) and noticed my credit score went down. There was a hard inquiry via CitiBank on XXXX. Called CityBank ( apparently got routed to the wrong department ) and they confirmed there was no account in my name. A few days later, I received a letter in the mail from CitiBank, and I called their credit card application department and was transferred to the fraud team- who confirmed there was an existing application in my name. They stopped the application, notified the credit bureaus, and put an alert in their system. 
I also individually froze my credit through XXXX, XXXX, and XXXX via the automated phone system. On XXXX I created an online account with each credit bureau and discovered 4 more credit card applications in my name. 
* Capital XXXX on XX/XX/XXXX * XXXX via XXXX Bank on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX on XX/XX/XXXX XXXX I contacted all 4 banking institutions and confirmed there was a credit card applications in my name as described above, stopped all applications, alerted them as fraud, and each bank said they would notify the credit bureaus. 
On XXXX I started using XXXX, for identity theft protection. I linked all banking and investment accounts to Aura to be monitored as a safety measure. 
XXXX I added a PIN # via the IRS to further protect my identity. 
XXXX I changed all passwords with bank accounts, credit card accounts, XXXX ID, XXXX accounts, etc.- anything vital to my identity that I could think of 2/2- Notified all banks I do business with about recent fraud and set up text notifications on any charge above {$1.00}. 
XXXX I set up a PIN with the IRS to further protect my identity and notified my CPA since tax season is approaching. 
On XXXX I received a text notification from XXXX  that a New Account Application was detected via XXXX XXXX. Called Aura immediately, and together we called XXXX XXXX. They said there was nothing in their system, so nothing could be done at this point. 
XXXX After the XXXX XXXX phone call, the XXXX representative stayed on the line and we reviewed my credit report together. She mentioned my XXXX XXXX XXXX credit card, and my XXXX XXXX card- which I forgot to add the alerts. 
XXXX Called Nebraska XXXX XXXX to add a phone call notification before a transaction can go through XXXX called XXXX Bank XXXX XXXX XXXX card ) and they were unable to add security measures like a text notification, so to be safe I closed out the account and requested a mailed correspondence. 
XXXX Updated XXXX password XXXX Requested security freeze with XXXX XXXX submitted a complaint with the CFPB XXXX contacted the city of XXXX police department to find out process to report fraud, and will be submitting that shortly. 

A few months back, maybe XXXX or XXXX of XXXX I received a letter from XXXX that there was data breach and I was on the list. My DL and other " basic '' info like my name and address were breached.
Product: Credit reporting or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for XXXX years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you, XXXX XXXX
Product: Debt collection

Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : Dynamic Recovery Solutions LLC ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.
Product: Checking or savings account

I received and email that an account was opened at Bank of America through their online banking. I called right away to report it as fraudulent banking at BofA. It took 20 mins to get to a person, XXXX finally picked up. He asked for my social security number and I said no, I will share other I do to prove its me. He took my DOB and Last 4 of my SSN. He found 2 accounts had been opened within a day of each other. I asked him to close them. He asked me a few questions, I answered them and he confirmed on the phone they had been closed out without impact to my credit score or other since no cash was exchanged. Yesterday the cards for the account showed up at my door, I dont understand why they would be here if the account has been closed. 
This is three accounts now that BofA have opened under my name. I have filed with them and told them at no point will I authorize an account being open at BofA. 
How do I get these accounts closed? 

My credit is frozen, I have done everything to lock down my identity as well. 

Please help! 
XXXX
Product: Debt collection

I have been delivered papers by a collection company named XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the XXXX XXXX XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, Synchrony Bank, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Experian is constantly and consistently reporting incorrect and physically unverified information on my credit file. It seems as if the reporting agency Experian is relaying on outdated sources as oppose to new technology. A credit reporting agency can not use electronic Verification as proof of any sort. The job of a fraudulent account is for it to appear as ethic as possible. I'm hereby demanding the removal of the following accounts. Please block immediately. 

1 ) XXXX XXXX XXXX {$1500.00} 2 ) XXXX  XXXX  {$520.00} 3 ) XXXX XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$300.00}
Product: Mortgage

In XX/XX/XXXX I applied for loan to refinance my home. I wanted to pull a small amount out and do repairs on my home built in XXXX. Got thru the process until it came time for OCWEN to provide pay off. I was told at that time that the pay off would not be the actual payoff, that I needed to pay OCWEN 25 % of equity the house accrued since my XXXX. Modification. The housing market at that time priced the home at about {$320.00}. OCWEN Wanted me to pay for an appraisal because they felt the house was worth about XXXX. I wouldve had to take out an additional XXXX {$60000.00} to pay them off which I could not afford. So they would not give the mortgage company a pay off and I was stuck. XXXX provided me with a copy of the loan and he did state I have to pay 25 % back. Although I cant imagine I wouldve agreed to pay 25 % of the equity in my home upon selling refinancing or giving it away and or giving inheritance. No lawn company will touch my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, I received notice that XXXX XXXX had purchased my mortgage loan from my previous lender XXXX. 

The notice indicated I was already in arrears. I had made my mortgage payment to XXXX in XX/XX/2021. 

My XXXX account was in surplus of 2 months in advance, plus the XXXX payment. 

I contacted XXXX XXXX immediately to contest the alleged late payments. I was told that any pending payments would be credited within 30 to 90 days. 

I continued to make monthly payments. 
Multiple phone calls and emails and complaints were made to XXXX XXXX without response. 

I provided them with the information from XXXX, including the delivery number for the overpayments. 

No response. Over the course of 9 months, multiple complaints were made with no response. 

In XXXX XXXX and XX/XX/2021 XXXX XXXX placed derogatory statements on my pristine credit report. 

I have sought resolution without response, in XXXX, I contacted XXXX XXXX again, and after a lengthy wait a customer service representative advised me correspondence had been sent to the wrong email account. 

Additionally, she reported the XXXX XXXX mailbox, ( which they created and was used for all communications ) was not used by XXXX XXXX for communications. They placed important correspondence in an obscure place on their website, under a tab called Miscellaneous. 

In the interim, no effort has been made to respond or amend the deficiencies reported on my credit reports, and the account has not been credited with the overpayments. 

This are blatant and negligent attempts at fraud.
Product: Debt collection

Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a computer through XXXX. However they reported the computer loan through XXXX  XXXX delibquent and it was deferred. It has been reported late for months when it isnt
Product: Debt collection

I do not owe any debts to PayPal. I received an email saying they sold a debt to buyer. I demand to see written proof the debt per section 609 of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX  and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/ 2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.