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

My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Can you tell me who the original creditor is? I dont recognize this account, and Im not agreeing to it. I mean, would you agree to this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance of  XXXX  public record was included in bankruptcy and should have never been reported.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX 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 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. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.
Product: Debt collection

XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( debt collector ) XXXX Reference # XXXX They were trying to collect debt that owe to Navy Federal Credit Union. 
Owed XX/XX/XXXX : {$520.00} XX/XX/XXXX : {$510.00} How am I being charged when I just got released from prison in XXXX XXXX, XXXX I got my release papers to prove plus Im currently on parole as well I can prove that. I served 8 years locked up since XXXX. This the second time I had identity theft with them they keep saying I owe, I can open nothing will incarcerated.
Product: Credit card

On XXXX XXXX 2016 I received a notice from CapitalOne " XXXX Credit Card '' about an apparently fraudulent charge of {$880.00} to my account. I confirmed to them ( by phone ) that I was unfamiliar with the company making the charge, and had never had any dealings with them. They assigned a case number : XXXX and sent me a letter acknowledging the problem. I have since had repeated messages on my answering machine from XXXX of their agents stating that they require more information to settle this matter, and instructing me to phone back. XXXX attempts over a period of several days to reach this agent at the phone number he provided have been directed to his voice mail, which claims that he will phone me back. He does n't, and my attempts to reach him are in vain. A protracted conversation yesterday with a customer-service representative resulted in her earnest promises that I would be called back with 18 hours. I have heard nothing since. I am concerned that having no opportunity to provide CapitalOne with whatever information they require about this fraudulent charge will result in their holding me responsible for it. I need someone to prod them into accepting my calls.
Product: Mortgage

During the process of speaking to the sells person at XXXX. XXXX XXXX XXXX XXXX in XXXX XXXX Louisiana, I was referred to DHI Mortgage XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I was approved for my home to be built in XX/XX/2018, we have had several appointments throughout the build and now my home is almost completed. 

in meeting with DHI Mortgage my lender, I wasn't given the initial loan estimate after the contract was executed in XX/XX/XXXX, Their was a property address issued at the time. I spoke with another lender who reviewed my credit in XX/XX/2018 and based off of my self and my wife 's income we were never able to qualify for a loan in the amount of {$230000.00} which is the amount of my purchase agreement for this loan. 
I feel like fraud was committed against us, because accurate information was not given, DHI Mortgage ran my credit multiple times, hurting my score and I was never given any domination other than the contract to purchase and some type of XXXX XXXX XXXX XXXX XXXX. I never received any information on what my estimated monthly payments would be and the amount of cash needed to close. I found out from another lender that my payments would be well over {$1200.00} per month which is what I am comfortable with. I think that was considered unfair practices, I never signed my initial loan application with loan estimate disclosure with DHI Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I had several hard inquiries show up on my credit report that I had no knowledge of. And I would like to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have received post correspondence from Great Lakes regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Product: Debt collection

I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the debt.
Product: Credit reporting or other personal consumer reports

Dear Collection Agency, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without " Proper Validation and Proof Of Claim ''. As per the Fair Debt Collection Practices Act ( FDCPA ), 1 am formally requesting comprehensive validation of the alleged debt. legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, Itemized amounts, receipt or goods, and any relevant detalls directly trom the Original Creditor. Date of Last Activity. 3. Full, accurate social security number that may help to identify me as the correct person you are tryine to collect from. 4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. the obligation between your company and me that autorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identitication card ) presented at the time of incurring the debt 6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase or a bad debt is not proprietary or burdensome. 7. Any other pertinent information regarding the creation of the debt by your collection agency like a. Where the debt originated from. 2. The sum paid by the bad debt buver for thei plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection debt. Also provide a 1099.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and notices had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Debt collection

I got a loan thru credit Credit acceptance to get a vehicle but it turned out the the location ( car lot ) was doing fraudulent activities and was just trying to get someone in a vehicle. I find it strange that I have to pay for a car that was returned and it did not run for no longer than 1 week and stayed in the shop for almost 4 months with no progression. I honestly feel like that debt should be off my credit or figure out a lower balance I can pay
Product: Money transfer, virtual currency, or money service

I sold my shares of a crypto currency for USD to transfer the dollar to my checking account and they froze the availability to withdraw
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/29 this account American first finance an XXXX is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

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

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''
Product: Debt collection

Credence Resource Management has contacted me regarding a debt collection. I requested verification of the debt, but after 30 days, I received no response and a return to sender mail ( the mail I sent out for verification ). I subsequently sent another letter informing them that it is against the FDCPA for them to continue collection efforts or report the debt on my credit report without proper verification, to this I received no response. The debt is currently on my credit report with no change. My first mail I sent out on XX/XX/2024 and the second I sent out on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these transactions are unfair and request an investigation into my account transactions.
Product: Debt collection

I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them  back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX  XXXX XXXX  on XXXX XXXX, XXXX under account number XXXX, XXXXXXXX XXXX  on XX/XX/XXXX under account XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number 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 # XXXX 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 card or prepaid card

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

A power outage Caused my bank to double charge me on everything I have no access to any of my money my online account says one thing and the bank tells me another. They will not tell me any information other than that and they are trying to fix something I am stuck at a gas station with XXXX kids with no gas waiting for them to respond and let me use my money. All of a sudden there is no online calls available and they will not give any information out over the phone this is extremely frustrated and not to mention I had to cancel their very important doctors appointment today because of this there has been no heads up or any form of communication about this everything has been caught off guard
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this claim.
Product: Credit card

I have contacted Bank of America NUMEROUS times about identity theft I was experiencing. Bank of America still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Bank of America refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.
Product: Credit reporting or other personal consumer reports

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about 10 years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. XXXX must have XXXX  working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called citi XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.