23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva cradles is a fraud it doesn't report to credit to anyone and they are rude and very unprofessional they over charge you someone needs to look into this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within XXXX days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished
Product: Checking or savings account

My husband 's computer was remotely hacked on XX/XX/year>. He started notifying all our credit card companies and changed all username and passwords. 

On XX/XX/XXXX, he contacted AMEX and notified them of the incident, requested to cancel all credit cards and to re-issue them, including my Gold American Express and the ones for the Hilton Honors American Express. High-yield savings account showed no changes with a balance of about {$12000.00} ( Can't remember the exact amount ). That day, he also changed username and passwords. 

XX/XX/XXXX, someone transferred between $ XXXX out of that high-yield savings account without our authorization. So, overnight, someone logged in into the AMEX account, despite having changed username and password and having notified AMEX of the breach. According to AMEX, someone opened two new AMEX accounts under their names and transferred the entire contents of my account to these two other accounts. I was done in three transactions - XXXX, {$23000.00} and {$370.00}. From there, they transferred the money out of AMEX to an external account. Names on those accounts were XXXX XXXX XXXX ( Account ending in XXXX ) and XXXX XXXX. 

None of these transactions were authorized and I do not know these individuals. 

They also called on Friday XXXX XXXX @ XXXX hrs from a ( XXXX ) XXXX identifying themselves as Fraud Department from AMEX. At the time I was in the middle of reporting the incident to the XXXX XXXX XXXXXXXX XXXX XXXX. 

Amex refuses to provide me with any information, plan of action or resolution despite 11-12 days gone by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. Experian : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
Product: Credit card or prepaid card

I use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim
Product: Debt collection

During an emergency room visit to XXXX XXXX XXXX for a medical issue I told the hospital doctor and intake nurse I had NO medical insurance. I signed the forms to that effect and they indicated the bill would be sent to XXXX XXXXXXXX. I left and didnt hear anything until months later when the hospital sent the bill to me demanding payment. I called immediately to patient billing and explained forms were signed and the hospital staff were to send to XXXX. They never followed up and time passed and they never returned my calls to follow up. I dispute this medical debt- it is not mine the hospital assured me it would be paid by the agency. It was not. I have exhausted all attempts to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on TransUnion, XXXX, and XXXX.
Product: Checking or savings account

I was charged {$12.00} fees every month for years
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRAUDULENT ACCOUNTS : XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XXXX XXXX  XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX with account number XXXX XXXX  XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

My credit card was placed on temporary hold from Wells Fargo after they requested a 4056-c form. I went to a local branch and a banker helped me fill out the documents and scan it over. I called customer support and they claimed they only got the signatures and not the 4056-c. I had the banker rescan the documents and send them over but by the time we did that they already shut down my credit card on XX/XX/year>. I had over XXXXXXXX XXXX of rewards on that credit card and Wells Fargo says I can not open my credit card back up or get my rewards back.
Product: Debt collection

In XX/XX/XXXX, I received a XXXX form from OPPORTUNITY FUND, indicating that a debt of {$10000.00} had been canceled and should be reported as income on my tax return. I dutifully filed this XXXX on my XXXX tax return, acknowledging the cancellation of the debt and reporting it as required by law. 

Despite this, OPPORTUNITY FUND has continued to send me collection letters regarding the same {$10000.00} debt and has also reported this debt to the credit bureaus as an outstanding obligation. This is inaccurate and misleading, as the debt was officially canceled and reported to the IRS, meaning that I am no longer legally responsible for it. 

Since XX/XX/XXXX, I have received several collection letters from OPPORTUNITY FUND demanding payment for this canceled debt of {$10000.00}. Additionally, I have noticed that this inaccurate information is being reported on my credit report, adversely affecting my XXXX XXXX and financial standing. 

Actions Taken : XX/XX/XXXX : Filed the XXXX from OPPORTUNITY FUND on my XXXX tax return, recognizing the cancellation of the {$10000.00} debt. 
XX/XX/XXXX- XX/XX/XXXX : Received multiple collection letters from OPPORTUNITY FUND regarding the already canceled debt of {$10000.00}. 
XX/XX/XXXX- XX/XX/XXXX : Discovered that OPPORTUNITY FUND is reporting this canceled debt of {$10000.00} to the credit bureaus as an outstanding balance, negatively impacting my credit report. 
XX/XX/XXXX : Despite my attempts to resolve this issue by contacting OPPORTUNITY FUND, the inaccurate reporting persists. 
Desired Resolution : I request that OPPORTUNITY FUND immediately cease all collection activities related to this canceled debt and remove all associated negative entries from my credit reports with XXXX, XXXX, and XXXX. Since this {$10000.00} debt was officially canceled and reported to the IRS on a XXXX, it should not be reported as an outstanding obligation on my credit report. 

I also request written confirmation that these actions have been taken and that this matter has been fully resolved. If OPPORTUNITY FUND fails to comply with this request, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to protect my rights and restore my credit standing.
Product: Debt collection

On XX/XX/year> at XXXX my daughter, XXXX XXXX XXXX an email from Halsted financial services addressed to myself regarding my debt. It had my account number listed and the amount of debt I owe, and the payment arrangements in which could clear me from said debt. I called and spoke to XXXX different people. Each person apologized for their mistake and said they would remove the email but that was all they could do for now however the last man I spoke to, stated my account would be paused temporarily until they can " get to the bottom of this '' I informed them that what they did was illegal and they violated my privacy by sending that information to my daughter. The people I spoke to admitted I was on a recorded line and also admitted to their mistake. Now my XXXX who has no business knowing my information knows about my debt amount and has my account number.
Product: Credit reporting or other personal consumer reports

Recived a XXXX XXXX notification " There's a new inquiry on your XXXX credit report '' on XX/XX/XXXX & XX/XX/XXXX, the hard inquiry that was posted to XXXX XXXX was from " XXXX XXXX XXXX XXXX ''. I haven't applied for any lines of credit since XXXX when I bought my car. 

Upon further inspection, I looked at XXXX and they show " BK of Amer '' and " XXXX XXXX '' had hard inquiries on XX/XX/XXXX. According to XXXX account, both of those entities received a copy of my credit report. I haven't authorized ANY credit reports to be pulled. 

I spoke with XXXX and they directed me to submit a dispute with FTC or Police Report and mail it in to get the XXXX off of my report. The FTC directed me to CFPB. I'd like to have these removed from my credit reports & for those companies to receive notice there has been fraud. They can investigate on their own to determine who is behind all of this. In the meantime, I've frozen my credit & added fraud alert to my credit. I just need these taken off of my credit report. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported illegally.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and someone used my personal information to attempt to collect credit or credit products in my name. Those inquiries consist of : - XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, drivers License, and Copy my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, drivers License, and Copy my Social Security Number as verification of my ONLY address.
Product: Checking or savings account

On XX/XX/year>, I logged into my Robinhood account to check my crypto portfolio and noticed that my account was blocked. There was no required action on my partonly instructions to wait.

Yesterday, I logged in again and saw a message asking me to request a phone call. I have been clicking the button to receive a call since yesterday, but I have not been contacted. I also emailed support at XXXX, but I have not received any response. 

Meanwhile, my funds remain blocked, preventing me from seizing opportunities or withdrawing my money. My bills are due starting XX/XX/XXXX, and I urgently need access to my funds to cover these expenses. 

I am requesting immediate assistance to unblock my account and provide access to my money. The lack of timely support and communication is unacceptable.
Product: Debt collection

I sent a certified letter to Convergent Outsourcing asking for a ACCOUNT VALIDATION on an account they placed on my credit report on XX/XX/2020. Failure to reply within the 30 days the law allows. I sent a Failure to respond/demanding deletion of the account on XX/XX/2020. They refuse to remove the negative account from my credit report.
Product: Debt collection

This complaint is necessary to ensure the recovery of a collection firm 's fee s (  excessive relative to the small size of the note ) are not the determining factor in a foreclosure sale currently set for  XXXX   XXXX . Consideration of that issue is requested relative to mortgage complaint #  XXXX , as well as directly related complaints #  XXXX  and #  XXXX  on the issues that precipitated the collection action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.
Product: Debt collection

This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.
Product: Credit reporting or other personal consumer reports

I let them know that I was affected by the 2019 XXXX data breach and my and the only thing that was done was an account freeze and I can't open up any accounts my self not even a bank account I had credit cards opened up that my ex wife did and I made a police report letting them know she did it as well I dispute all unknown accounts with XXXX XXXX XXXX and XXXX
Product: Mortgage

After purchasing the morgage, I filed for divorce in  XXXX . In  XXXX  of  XXXX , the finalized court papers stated that the husband was to be reliable for the property and that the wifes name was to be removed in  XXXX . The husband then turned in the court papers to   XXXX   XXXX   XXXX    w here the account originated from and the wife signed a quick claim deed. Every since then, i have had all non payments on my credit report since causing myself to not get approved for anything. Its been 8 years! I called a couple months ago and was told that i would need to take it up with the court and hire an attorney to get it off my credit. All documents were turned in and verified on the phone that they received them.
Product: Checking or savings account

I was trying to buy a puppy from XXXX and put a deposit down. I had XXXX linked ro my bank through my online banking app with us bank. I used my XXXX to make a deposit for a puppy. They sent me a text message about a transaction on my card that could be fruad and it aaked me to verify. I thought they were talking about XXXX transaction so i had said yes it was me. The next day I had charges on my account that were unauthorized. Ones from XXXX, XXXX XXXX, etc. I had called about it and was told that my account was being closed and got hung up on. I had then went in to my closest branch to pull the money out and was told they could not do that because of the account closer. I told them that the transactions were unauthorized and so they started a dispute that was about 2 months ago. I went back into the same branch and asked why my account wasn't closed and why I couldn't take any money out. Two of the deposits that were made before all of this were my son 's SSI from social security that I also can't take out. No explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported me 30 days late - XX/XX/XXXX. That was incorrect. 
It was reported on Experian on or about XX/XX/XXXX. I immediately contacted XXXX, and disputed the information. They originally said that it would self correct. The next day I spoke with them, and they said it would not correct. 
I filed a dispute with Experian. 
On XXXX, I see that XXXX is now reporting me 30 days late, but dating back to XX/XX/XXXX. 
I reviewed all activity from XX/XX/XXXX through lease end XX/XX/XXXX. 
At no time was a payment made more than 30 days late. 
I request that my account with XXXX be reported accurately, and false information be removed. 
The company does a poor job of maintaining its data files. It can not even list my name correctly. 
XXXX XXXX XXXX