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

Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.
Product: Debt collection

NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/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 NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : NATIONWIDE RECOVERY or any company associate with this account 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft due to the XXXX data breach and the XXXX XXXX data breach. I notified all of the credit reporting companies of this and was met with push back. XXXX stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?
Product: Payday loan, title loan, personal loan, or advance loan

This company is a total and complete ripoff. I was laid off from my job last XXXX. I had two months without a job. I finally got a new job in XXXXXXXX XXXX but b y that time I was about to be evicted and need XXXX in rent money. I saw this company advertised on-line and put in an application. I did not realize the interest rates were criminal. Anyway, the loan was taken out for XXXX. The loan payment of {$200.00} was taken out each pay period ( 2x a month ). I have already paid {$3400.00}, well over the borrowed amount and they say I still owe {$2600.00} which is horribly wrong. I am going to have to contemplate filing bankruptcy now. I am going to contact my bank and request no more money be taken from my account, as this has put me under. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX **Date : ** XX/XX/XXXX XXXX, XXXX Attn : Legal Department/Customer Disputes XXXX XXXX XXXX XXXX XXXX TN XXXX **RE : FORMAL NOTICE OF FCRA VIOLATIONS & DEMAND FOR IMMEDIATE DELETION** **Account # : ** [ YOUR FACTORTRUST REFERENCE NUMBER ] **Consumer : ** XXXX XXXX To Whom It May Concern : This correspondence serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with my XXXX consumer report. I demand immediate investigation and deletion of all inaccurate information within the statutorily prescribed timeframe. 

# # NOTICE OF METRO 2 FORMAT COMPLIANCE VIOLATIONS I have identified the following entries in my XXXX consumer file that violate the Consumer Data Industry Association 's Metro 2 Format reporting standards and therefore constitute FCRA violations : 1. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ) - XXXX # : XXXX - Metro 2 Violation : Incorrect consumer identity information reported in Base Segment fields, constituting violation of Field 7 ( Identification Number ) and Field 10-11 ( Name ) requirements - FCRA Violation : 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy 2. *XXXX  XXXX XXXX Reported XX/XX/XXXX ) - XXXX XXXX XXXX XXXXXXXX - Metro 2 Violation : Failure to properly code Field 25 ( Terms Duration ) and Field 17-18 ( Consumer Information Indicator ) as disputed information - FCRA Violation : 1681i ( a ) failure to conduct reasonable reinvestigation of disputed information 3. XXXX XXXX XXXX Consumer Disputes** ( Reported XX/XX/XXXX ) - XXXX XXXX XXXX  XXXX - Metro 2 Violation : Improper Special Comment Code ( Field 19 ) indicating " Echo information '' reflecting duplicative reporting - FCRA Violation : 1681s-2 ( a ) ( 1 ) ( B ) furnishing information known to be inaccurate 4. *XXXX XXXXXXXX XXXX Reported XX/XX/XXXX ) - XXXX XXXX XXXX XXXX - Metro 2 Violation : Improper Account Status ( Field 17A ) and Payment Rating ( Field 17B ) coding - FCRA Violation : 1681s-2 ( a ) ( 2 ) failure to correct and update information # # CORRECT CONSUMER IDENTIFYING INFORMATION The ONLY personal identifying information that should appear in my consumer file is : - **Correct Name : ** XXXX XXXX - **Correct Address : ** XXXX XXXX XXXX, XXXX, LA XXXX - **Correct Phone : XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was charged two overdraft fees due to Speedy Cash debiting my account on the incorrect date. This is after I called in and reported the error. They refused to credit me for the fees after initially promising to do so. Therefore, I immediately halted my payments. I informed them that I would not make any payments until those fees were credited. I also revoked my phone authorization. They have continued to harass and call me daily, from different telephone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Citibank took over the accounts for XXXX from XXXX. When doing so, our XXXX number was not carried forward to the Citibank account. When payments were attempted to XXXX, they were returned. Citibank imposed late charges and finance fees in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first notice that we received of a payment address for Citibank was in XX/XX/XXXX, upon which we came current on our account. However, Citibank is not refunding all late payments and finance charges accrued during the XXXX month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX. - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX XXXX XXXX Bank - {$500.00} Acct # : XXXXXXXX XXXX XXXX XXXX - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.
Product: Checking or savings account

Subject : Complaint Against Citibank for Mishandling Fraud Claim I am writing to file a formal complaint against Citibank regarding their mishandling of a fraud claim and the subsequent mistreatment I experienced. On XX/XX/year>, {$28000.00} was fraudulently wired from my Citibank account. Despite promptly reporting the unauthorized transaction and providing all necessary documentation and details of the scam, Citibank denied my claim twice. 

Throughout this ordeal, I have been mistreated by offshore representatives in the XXXX. On XX/XX/XXXX, at XXXX XXXX PST, I called for assistance, but their system was down. Despite the urgency of the situation, they refused to provide assistance and requested that I try calling the next day. This was at a critical time when all my money was being stolen. 

No one from Citibank made an effort to collect information about how the fraudster accessed my account. Additionally, a {$25.00} fee was posted to my account without explanation. There has been no history of me ever making wire transactions, yet there were no protection measures in place to block this illegal manipulation of my account. 

Once again, when I contacted the fraud department, they failed to act immediately because of the offshore system failure. Had they responded to my call right away, the fraudulent wire transfer could have been stopped. Despite my prompt reporting and provision of evidence, Citibank has unfairly blamed me for the fraudulent activity. The lack of immediate response and appropriate security measures on Citibank 's part has caused significant financial and emotional distress. 

I am seeking the CFPB 's assistance in this matter to ensure that Citibank reconsiders my case and acknowledges that I was a victim of sophisticated fraud. I believe that Citibank should take responsibility for their failure to protect my account and provide a fair resolution.
Product: Debt collection

XXXX XXXX - XXXX ; keeps trying to charge me XXXXXXXX XXXX and i have disputed it on XXXX many times as identity theft. Also Webbank/Freshstart keeps trying to charge XXXX XXXX and I have disputed many times as identity theft. As well as hard inquiries on my transunion due to identity theft ; as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . On my XXXX I have derogatory marks which include LVNV FUNDING LLC for XXXX XXXX which is due to identity theft and I have tried to report it many times but does not let me ; also hard inquiries on XXXX I have reported many times and they do not remove them which are : XXXX and also XXXX XXXX XXXX XXXXXXXX All of these are affecting my 3 credit bureaus without my knowledge. Lots of hard inquiries on all of them and delicuent accounts. I am victim of identity theft, during covid in XX/XX/2020 My license, social security card and debit cards and XXXX $ were stolen at a car rental ( XXXX XXXX XXXX ) i also made police report and the police saw on camera where someone with a mask picked up my wallet and left the scene. Ever since then i have been having to deal with the extreme unwavering stressful situations and need help. Also according to XXXX most of these debt collectors if not all, have no license or registration to collect or do business in the State of New York.
Product: Debt collection

Phoenix financial services parked this alleged debt on my consumer report without having any initial contact with me either written or orally. My knowledge of this alleged debt only came when I checked my consumer report and seen the parked alleged debt reporting on there. There was an article written by the CFPB on XX/XX/2023 on the action taken against Phoenix financial services for their illegal medical collection and credit reporting practices. This action provides sufficient evidence that Phoenix financial services can not be trusted and puts into question their alleged debt claim. Since they could not substantiate those claims prior, I highly doubt they can substantiate this claim and properly verify this alleged debt according to the FDCPA and Regulation F requirements.
Product: Checking or savings account

On XX/XX/XXXX I received an email alert from BOA that my account was under {$25.00}. I looked online to find that there were a number of withdrawals ( 5 ) each for {$300.00}. Each also came with a {$2.00} fee. I did not make these withdrawals. I immediately headed to the nearest BOA, on XXXX here in XXXX XXXX to say that money was being stolen from my account. I made a fraud claim on the phone at the bank. They gave me a temporary debit card with only {$16.00} left and said it would take up to 45 days. I asked for more help but the teller would not respond. 

A few days later I called the number on the back of the temporary debit card to ask about my claim. She said that it would take up to 90 days and kept transferring me. I offered to fully cooperate with the investigation, asking them to look at the video tapes of the ATM and that it would be immediately apparent that I was not the one making the withdrawals. There has been no other contact and no other way to contact BOA. No credit, no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion need to remove XXXX late payment. Never been late.
Product: Money transfer, virtual currency, or money service

Claim filed with CashApp on XX/XX/2022, charges were when I was sleeping starting XXXX XXXX  XX/XX/2022 into the morning ( claim denied on Monday ). Claim/Reference number is XXXX. ALL PURCHASES TAKE PLACE IN CALIFORNIA, I live in Alabama and XXXX and XXXX are not even located here XX/XX/2022 XXXX XXXX  {$15.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX  {$75.00} XXXX XX/XX/2022 XXXX XXXX {$220.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$390.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$200.00} XXXX XX/XX/2022 XXXX XXXX  {$5.00} XXXX  XX/XX/2022 XXXX XXXX  {$10.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to EQUIFAX and XXXX disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX  XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.
Product: Debt collection

I received a citation # XXXX dated XX/XX/23, citation dated on XX/XX/23 for car tag number XXXX, call was made to XXXX XXXX XXXX XXXX with information requested which was never received. I am confiming that my vehicle was not in XXXX XXXX on that date. I again received another notice on XX/XX/23 for same citation with call made again- XXXX XXXX. I stated that my vehicle was not in XXXX XXXX on date of citation and requested that there a follow looking into why my vehicle was issued citation and again no response, I then received a letter from a debt collector dated XX/XX/23. The account number is XXXX Valley Collection service. I have no intention of paying for ticket that I did incur.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts I have no knowledge of have been added to my credit report. I have included my ID for verification purposes. Here are the accounts and amounts associated with this activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX  and Experian will not remove the hard inquiries on my credit report. I am a victim of identity theft, and I filed a police report last year in 2018 when my identity of compromised. I also, sent a federal trade commission affidavit to all three credit bureau to have my report corrected and remove fraudulent information from my report. I checked my credit report and found that some new hard inquiries are on my report that are fraudulent. To date, the only credit agency that has worked with me is XXXX. XXXX   requested information from me, and I sent in what was needed, and they did not removed the fraudulent information and follow the law for the FCRA section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE