23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I discovered fraudulent activity on my credit report linked to identity theft. A XXXX XXXX XXXX XXXX account ( XXXX XXXX ) was opened in my name without authorization, as documented in my FTC Identity Theft Report XXXX XXXXXXXX ( submitted XX/XX/XXXX ). Despite disputing this account multiple times with XXXX, XXXX, and XXXX, it remains falsely verified. 

Key Violations : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Credit bureaus failed to conduct a proper reinvestigation despite receiving the FTC report. 

FCRA 615 ( f ) ( 15 U.S.C. 1681m ) : Midland Credit Management ( MCM ) continued reporting this invalid debt without validating its legitimacy. 

FDCPA 809 ( 15 U.S.C. 1692g ) : MCM failed to provide written verification of the debt upon request. 

Evidence : FTC Report XXXX XXXXXXXX ( attached ). 

Prior credit bureau dispute confirmations.

MCMs refusal to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting AcXXXX 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/2008 XXXX XXXX Balance {$0.00} XX/XX/2008 XXXX XXXX Balance {$4000.00}
Product: Checking or savings account

Tried depositing between $ XXXX cash into chase ATM at XXXX on XX/XX/22. Was given a temporary credit of {$1100.00} which was revoked this past week with no explanation other than that chase agrees it was incorrect. I am being robbed of my money with no explanations and it is very unfair.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ( XXXX XXXX XXXX ). Experian denied to follow up with the investigation. I recently was notified that the CFPB has filed a lawsuit against Experian. They allegedly accused the company of accepting unreliable information, failure to notify consumer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed immediately as its affecting my chances of getting a car and an apartment. Experian violates my rights as a consumer, as well as my federal laws.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a job at XXXX and received a letter in the mail stating I was ineligible for the job due to information in my consumer report. After looking at my consumer report I received in the mail, I noticed the letter contained my twin sister 's name as well and not just mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a recent copy of my credit report and becoming a victim of identity theft, I've noticed several violations of the FDCPA and FCRA one obvious which clearly has TWO DIFFERENT COLLECTION AGENCIES ATTEMPTING TO COLLECT ON THE SAME DEBT WHICH are both IC Systems and First Collection Services are reporting on my current credit report for an fraudulent  established medical account from a company named XXXX XXXX. This is unacceptable and violates the Fair Credit Reporting Act and both accounts should not only be removed due to fraud, but of duplicate reporting.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items. ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  CXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the deletion of any accounts or inquiries that have resulted from this breach. 
Below are the details of the accounts and inquiries that I am requesting to be blocked and deleted : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$220.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$6100.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2020, I received a Citibank promotion mail that offers me a {$500.00} bonus for opening a new checking account with Citibank. The promotions states that by opening a Citibank checking account and deposit {$15000.00} within 30 days of account opening and maintain that balance for over 60 days to be eligible for the {$500.00} bonus. I decided to take this offer and I opened the Citibank checking account around mid XX/XX/2020, and made a deposit of {$15000.00} on XX/XX/2020. I waited for 3 months, and when I check my account, I don't see the {$500.00} bonus, so I called Citibank customer service. A representative told me that the 3 months period is to meet the requirement for the bonus, but it takes at maximum another 3 months for the bonus to deposit into the checking account. Therefore, I waited another 3 months, and when I decided to check the account again on XX/XX/2020, I still don't see the {$500.00} bonus. I called Citibank again, and another representative told me that normally I should have received that bonus on XXXX, but she went ahead and opened a dispute for me and told me I should called back in a week if I don't get contacted. I waited another week, and Citibank did not call me, so I called them again. This time, the representative told me the investigation has concluded, and I am ineligible to get the account bonus. She did not tell me the reason why I am ineligible, she just said a letter has send out and that letter will explain to me the reason. I have yet to received the letter but I am very frustrated that Citibank has not honored the promotion as advertised and even if I am indeed ineligible, they made no effort to inform me in the first 3 months, and instead just told me to wait for another 3 months and keep maintaining that much money in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a vicitim of identify theft and the information keeps coming back verified when I sent them all the documentation. A furnished may not use information to verify anything. The information they received was the result of identity theft. I never opened a XXXX account. And it keeps coming back verified because someone used my information. I provided all the information that is needed her. An now on Equifax its showing that there was a payment made on XX/XX/22 when I never made a payment to this account. And on XXXX it shows that there is a missed payment on XX/XX/22. How is this information accurate? 


All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted disputes to Experian using their Document Upload Form, requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my repeated attempts to dispute these inaccuracies, I have not received any response from Experian regarding the investigation results. This lack of response is a direct violation of my rights under the Fair Credit Reporting Act. 

Under the FCRA, credit bureaus like Experian are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. Experian 's failure to respond and conduct a reasonable investigation upon receipt of my disputes demonstrates their disregard for their obligations under the FCRA.
Product: Debt collection

I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently began to receive calls from collection agencies for accounts that I never opened. I reviewed my free credit report, and found several accounts, including student loans that I never applied for. I have initiated an investigation, and added a fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$930.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent money through Sendwave on XXXX to recipient of mine and up till now the recipient hasn't received the money. I spoke with them on XXXX XXXX XXXX to find out about the delay and they couldn't give me the specific reason for the delay. I sent an amount of XXXX usd. I called them today XXXX to cancel the transaction and refund my money back to me and they haven't done nothing about the request. I called back this number XXXX which is the help line and no one answers my call.
Product: Mortgage

Wells Fargo purchased my mortgage in XXXX and at that time I was not informed that flood zone revisions had been done in my area or that I was required to have flood insurance. Now 9yrs later I received a letter from Wells Fargo telling me that my house is partially in a determined flood zone A   and that I am required to have flood insurance on my house and that if I don't purchase insurance they will have a lender placed policy put into effect at my expense. If you look at the FIRM for the area my house is effected, However I have provided evidence to the contrary to the Community Development office for my locality and they are in agreement with me and I have also filed for a LOMA from FEMA which the County feels well give me the result I am looking for. I informed Wells Fargo of all this and supplied them with the letter from FEMA saying my dispute was in progress as well as a survey that was done in XXXX before the revisions that shows my house not to be in a flood zone. Zone A flood zones are determined by approximate methods so my survey should be more accurate and FEMA is in possession of a copy of said survey as well as my deed which the survey is amended to as well as photos. The first letter I received was dated XX/XX/XXXX and advised me that I had 45 days and then received a letter dated XX/XX/XXXX saying they had purchased temporary flood insurance for me effective the date of the letter. Which clearly wasn't 45 days and during this time I was trying to get them to give me more time. I feel this has been an unfair and unjust act and am considering Legal action if applicable. I also tried attaching the letters but they won't upload
Product: Credit card

To CFPB discrimination credit card denial pursuant to 15 U.S Code 1691 ( K ). 
J.P. Morgan chase has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 I applied for a credit card with JP Morgan chase and was denied extension of my own credit. 
Since the letter that was sent to me dated XXXX XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. J.P. Morgan chase should resort to reasonable procedures to rectify this affair and compensate me for this use of my securities. Otherwise, this would be securities fraud since I have no BENEFIT. 
Following this initial attempt to rectify, will be sending an invoice to collect
Product: Credit reporting or other personal consumer reports

This is my second 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
Product: Mortgage

Ditech is using tactics to make me jump through hoops to avoid having to refund excess escrow owed to me. I called and requested escrow cancellation in XX/XX/2019. As a result of the cancellation, the excess escrow was to be refunded to me. As of the date of this filing, the escrow funds have not been refunding to me in my name only or been redeposited back into the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i was trying to get a personal loan from Avant.com XXXX/avnt i apply thru them because on their webpage they advertise that they dont affect the credit, but now in my credit shows the hard inquiries.
Product: Checking or savings account

On XX/XX/XXXX a thief breaking in to my car and rob my purse with my driver liscense ; my debit card ; banking cards and my Credit cards i call the Police i reportevery institution about it but they still tryand went to the Banks and tried get money from my accounts ; they did get money from my truist bank it happen on XX/XX/2022 ; i wish somebody can be more alert with this froud and ill be better if they alert me at any suspicion of fraud thanks
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX for {$1400.00} XX/XX/XXXX for {$15000.00} XXXX for {$2300.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} XX/XX/XXXX for {$0.00} These debits are not mine and should be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert, for a hard inquiry by XXXX XXXX XXXX XXXX XX/XX/2022. I called XXXX to let them know I did not apply and they confirmed my social security number was used to apply for an account. I filed and obtained a police report for identity theft. There have been four request made to Equifax to remove the fraudulent inquiry, dated XX/XX/2022. To date the inquiry has not been deleted or blocked, despite the fact that Equifax has been sent a copy of my driver 's license, social security card, utility bill, identity theft police report, and notarized FTC ID Theft Affidavit ; each time.