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

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX 2. Police Report filed with my local law enforcement agency.

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX  XXXX IS SHOWING UP ON MY CREDIT REPORT TWICE, IT WAS VOLUNTARILY DISMISSED BY ME IN A FEDERAL COURT & SIGNED BY A FEDERAL JUDGE IT WASNT PURSUED AT ALL IN THE COURT OF LAW ... AS U CAN SEE THE PAPERWORK IS ATTACHED PLEASE HAVE THIS XXXX  XXXX REMOVED FROM ALL CREDIT BUREA REPORTING AGENCIES IMMEDIATELY TY ....
Product: Money transfer, virtual currency, or money service

XXXX  the wrong person, called wells fargo right away while transfer was still pending The amount was for XXXX. Wells Fargo took the claim but hasnt answered anything yet.
Product: Debt collection

Northland Group , Inc. FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Northland Group , Inc. that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting Equifax ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX 30 day late ( XX/XX/XXXX ) XXXX XXXX 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.
Product: Checking or savings account

I did not receive my weekly deposit! I also have not been receiving the correct interest on my savings.
Product: Debt collection

Received forbearance agreement from Simmons mortgage. Documents received XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX requesting a down payment for a forbearance and putting me in a forbearance agreement. The documents I received were several documents with different dates and different information, it is confusing. There is a foreclosure sale date set for the property XXXX. Foreclosure notice I received was for XXXX XXXX, the property is in my name as of XX/XX/2022 I'm her son XXXX XXXX. I have not received a foreclosure letter for the property since the property was deeded in my name though the register office of deeds XXXX XXXX. I have requested mortgage assistance and assumption of mortgage modification. Please assist me I don't want to lose the home to foreclosure
Product: Debt collection

To Whom It May Concerns : I am filing complaint against XXXX XXXX XXXX. The reasons are the following : 1. I don't recognized the account or amounts.

2. They are claiming its a joint account with my and XXXX XXXX. I do know that person.

3. They can not provide me any personal documentation such as my DL.

4. They are not claiming that I am 60 days late, when they said the file was open in 2015, none of their information is accurate.
Product: Student loan

My loans are not affordable..I have been harassed by them in the past calling over 3 times daily..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX, Account # XXXX this account appears on XXXX and XXXX for the same account with diffrent account number this account is 7yrs old Debt XXXX. I believe I am a victim of the 2017 XXXX XXXX data breach, and this debt may have resulted from identity theft or fraudulent activity stemming from that breach.

As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I was in a car accident where my wallet with my ID, social security card, credit cards, and other sensitive information was stolen. I recently discovered that there are accounts and inquiries on my report that I did not authorize. I have filed disputes with XXXX, Equifax, and XXXX and have yet to receive notice of an opened investigation.
Product: Debt collection

I had a collection agency Patenaude & Felix call at work. When I picked up I was surprised to even hear them state they are a collection agency trying to collect a debt. I interrupted them and stated that this is a work phone and to not call back. I hung up. After that I have received several more calls and voicemail from them. I received a garnishment letter from my employer stating that Patendaude & Felix is garnishing my check. I called the company and they verified that the phone number they have on file which is my work number and that the second number to call which is my actual number. They than said that they have a mailing address of XXXX XXXX for me which was just updated. and stated XXXX previous addresses. I said that I have lived in the same house for over 5 years and the XXXX XXXX address is my work address and i just started working here 2 years ago. so it was weird they had that address but not my current address that I have had for 5 years. I also stated the other XXXX addresses were from XX/XX/XXXX. I asked how they can not send me any notification through the mail and how they can have an address form XX/XX/XXXX and my work address from XX/XX/XXXX but not my current address from the last 5 years. I have no clue how they can conduct business or how the courts can give them a judgement when I was nevered notified. I called and told them that I have been paying everything off that was on my credit report so I can rebuild it and have been working on this for the last 2 1/2 years. I stated i have never received anything from them and Im willing to set up a payment arrangement in order ot stop them form garnishing {$550.00} out of my check. They said the only way is to pay {$1000.00} down then they would stop the garnishment and refund my {$550.00}. I said that I do n't have that kind of money. I said can they just keep the {$550.00} that was taken out of my paycheck as the down payemnt and then start a monthly plan. They refused. I said Im trying my hardest to get this resolved and you are not making it easy especially for someone that was never notified. I received a notice from a debt collector a month ago saying I owed on a credit card. I immediately called them and set up a payment plan. So im not sure why I never received anything from them. I get I owe them the money and I want to make it right but when you only get {$1500.00} a month and they take out XXXX that leaves me XXXX and my car payment is XXXX insurance is XXXX, phone XXXX, plus rent and utilities and my current {$50.00} a month credit card bill and the now {$100.00} for another past due credit card. I also owe taxes because im single with no dependents so I owe every year. How can this be fair. I just want to pay them but also want to be able to pay my other bills. I was at a XXXX credit score 2 years ago and now XXXX which I have worked hard to get to. Now what do I do? not pay my bills because of this crazy company?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit card fraud ( citi bank ) happening from XXXX XXXX XXXX. I did not realize until I closed my account in XX/XX/2019. Once I closed my account I disputed the charges. It took from XXXX XXXX XXXX  to finally win my dispute. M credit score went down and there is a report of not paying my credit card in XX/XX/2019. I do not feel I should be held liable for a bill that is not mine.
Product: Credit reporting or other personal consumer reports

This is my second and last time disputing this account, I am writing this to dispute an account listed on my credit report that I believe is a result of identity theft.
Product: Checking or savings account

Original Complaint -On XX/XX/XXXX I tried to make a withdrawal with my Wells Fargo ATM card and was not authorized. You can only use a Wells Fargo ATM card at a Wells Fargo ATM is what I was told by customer service. I received no money but it was still deducted from my account. I have had XXXX success with recovering it from Wells Fargo. Here are the Transaction details : XXXX {$380.00} Transaction : XX/XX/XXXX Posted : XX/XX/XXXX Merchant info XXXXXXXX XXXX XXXXXXXX Additional info Method Card Inserted Category Non-Wells Fargo ATM Transaction description NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo credited my account with provisional funds, and sent a letter after the 10 days stating they were still investigating. CFIB closed the case and Wells Fargo issued a reversal and closed both accounts. I'm asking for proof the money was infact dispensed from the ATM. My transaction was declined because you can only use a Wells Fargo ATM card, and I didn't have mine yet No money was dispensed, they haven't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I was investigating the fraudulent charges on my accounts for my different credit cards because my information was breached. SYNCB/SAMS decided not to work with me to get it resolved after all these years but decided to sell the debt eventhough it was against the section 605B of the Fair Credit Reporting Act. The interesting thing was they were able to find a way to report the instance on my account twice for XXXX but putting another account number but with the same information. 
I have provided police report, the document warning me of how my information was breached, FTC Identity Affidavit, and even documents to prove my identity. XXXX was nice enough to acknowledge it and report it as stolen card but it still leaves XXXX negative marks on credit report. Experian was able to delete it and XXXX only posted the one but did not provide the information that XXXX did. Identity theft is a pain in the XXXX and welcome any help I can get in getting things resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello do WESTLAKE FINACIAL THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Product: Credit reporting or other personal consumer reports

To Transunion, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable of aggravated identity theft which is punishable for up to XXXX years. 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting XXXX  accurate. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX Account Number : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I know that as the consumer, I HOLD ALL THE POWER. As a XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. As a consumer, and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove.

****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.

Thank you! 
XXXX XXXX
Product: Debt collection

Company is reporting negative information on my Credit report. Have attempted to reach out to the company to have them remove the negative reporting however they have failed to do so.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my report that I don't recognize, I believe this inquiries to be fraudulent. None of this inquiries are attached to any accounts I have open. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX