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

Subject : Request to Block and Remove Fraudulent Information from My Credit Report Dear Equifax, I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. 

The following item was opened fraudulently and is not authorized by me : XXXX XXXX XXXX : XXXX In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

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

I am writing to you regarding an issue with my XXXX account that has negatively affected my credit report. I recently discovered that my account with XXXX has been closed, despite never having been late on a payment. Additionally, there have been multiple unauthorized transactions on my account, all of which I have promptly disputed. 

I have made numerous attempts to resolve this matter with XXXX directly, but unfortunately, I have not received any response or assistance from them. As a result, I kindly request your assistance in investigating this issue and correcting any inaccuracies on my credit report. 

I have been a responsible borrower and have always made timely payments on all of my accounts. It is disheartening to see my credit report affected by circumstances beyond my control. I believe that this incident does not accurately reflect my creditworthiness and would greatly appreciate your help in rectifying the situation. 

I understand that goodwill adjustments are made at your discretion, but I hope you can consider the extenuating circumstances surrounding this matter. I am committed to maintaining a positive credit history and would be grateful for any assistance you can provide in resolving this issue. 

They have never reached out to me, I reported a unauthorized transaction and after that they closed my account, but I am protected with the fair act of any transaction not authorized by me shall not affect me, dont know if its that but im guessing because that was the only action made, looking in now I have found 4 more additional transactions that were made without my knowledge or authorization Thank you for your attention to this matter. I look forward to your response and to having my credit report accurately reflect my financial responsibility.
Product: Credit card

I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.

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: Money transfer, virtual currency, or money service

We live in the XXXX and had a holiday home in XXXX, FL. Pre covid I had to change my online banking password on my debit card due to fraudulent use in XXXX. Unfortunately I entered the wrong password 3 times then could not reset my password because I didn't have a XXXX XXXX to verify myself. After many frustrating hours on the phone we were able to set up online banking in my husbands name, where we can view our account. 
We have bought and sold two houses in the 10 years we enjoyed Florida, and we have a substantial amount of dollars in our checking account with BOA. 
The real problem occurs when trying to further validate ourselves to wire our funds to the XXXX. In order to do this, again purely because we don't have a US mobile number, we have to further verify ourselves. BOA have sent us 2 new debit cards to start the process of verification. However, on receiving the cards and contacting BOA, the information on the cards have not matched the information on their system, the advisors were also baffled by this and had not heard of this happening before. 
It has come to the stage where we need this money to enable us to put our very poorly XXXX into a care home, we desperately need it. It is losing its value all the time it sits with BAO as the dollar strengthens against the pound. 
Our last conversation with BOA was yet another card would be sent out to us in 5-7 working days ... as of today its 26 working days on with no new debit card. 
We can provide the following to fully validate ourselves : 1. Zoom face to face conversation, showing passports and driving licenses.

2. A copy of a previous wire from BOA to our XXXX account with all the same details. 
3. Proof of every cheque been cashed on the account.

4. We can view our account online.

5. We have monthly statements send to our home address every month.

6. We have professional people, builders, lawyers who would gladly call into a branch to validate us.

The situation is getting desperate. we need the money to be sent very soon. 
Many thanks in advance for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them multiple requests, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXX. OF XXXX XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX} ; XXXX - XXXX Balance {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experiann and XXXX XXXX has cost me to lose XXXX POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!
Product: Mortgage

XXXX ) About XXXX XXXX I requested that you ( Mr Cooper ) pull a special payment of {$11000.00} - but you pulled only {$11000.00}. Why? 

XXXX ) In mid XXXX your web-site told me " Congratulations - your loan has been paid off. '' XXXX ) In spite of that, you pulled a full normal payment ( {$1300.00} ) on XXXX XXXX- which I think was not needed since the loan was paid off earlier. I think you owe me at least {$1300.00}. 

XXXX ) The last message that I find on your web site says the loan was paid off on XXXX XX/XX/year> - not early in XXXX as you said earlier. 

XXXX ) I can not find a statement explaining the status of my account - last payment, interest, loan balance, escrow balance, etc. 

XXXX XXXX XXXX XXXX XXXX XXXX - 30 days after I was told that the loan was paid off - I received a note that there was " a new secure message '' on your web site. That message says it will take 60 days to prepare a " Satisfaction Document ''. 

XXXX ) WHY DOES IT TAKE YOU 60 DAYS TO PREPARE A " Satisfaction Document ''? When buying a house, escrow papers are normally prepared in a few days - not XXXX months. 

I think that " Mr Cooper '' does not have the resources ( people, infrastructure, experience ) to be a good mortgage provider. It is impossible to communicate with them.. Calls are fielded by an XXXX XXXX that can handle only a very few questions.. They will not allow me to speak to a real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over XXXX XXXX XXXX XXXX in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account1  : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX XXXX of XXXX separate credit inquiries. XXXX  involving XXXX XXXX XXXX on XX/XX/scrub> 2024. The other involving XXXX Bank on XX/XX/year>2024. I did not make either inquiry and am the victim of identity theft. 

The inquires damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have filed a dispute letter to all 3 credit buruaus XXXX, XXXX, Equifax to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Avante USA located in XXXX Texas has been calling me about a debt owed for a hospital bill which has been paid. They contact me a few weeks ago for this debt. I went to the hospital in XX/XX/2012 and only now are they calling to say I owe. I have provided documents to the company of proof that my bill has been paid through financial aid. Im not sure what change they stopped calling me but today I noticed they reported it on my credit and now I have a bad marker. The first. I dont think this is fair. This company is a scam and their practices are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputed the account XXXX XXXX XXXX XXXX {$470.00}. This amount is not owed and this account is not valid. XXXX/ XXXX XXXX XXXX has denied me access to any documents required by law to prove the validity of this debt. I have been denied a copy of the bill or contract for this account. I have also been denied any proof of authority to collect by XXXX on behalf any company called XXXX XXXX XXXX. I have filed multiple disputes with Consumer Financial Protection Services requesting these documents and they refuse. The only thing XXXX will provide is a one sheet document that says I owe {$470.00}. It is illegal for a debt collection agency to place a debt on my credit report with out any documentation- I have enclosed a copy of documents XXXX sent to me proving no documents were provided
Product: Credit card or prepaid card

I had a credit card with Capital One in 2017 when I filed for Bankruptcy. This was a secured credit card with a deposit on file. When I filed for bankruptcy, they closed my account, used the funds in my security deposit to pay off my balance, and sent me a refund for the remainder of my security deposit. This would mean that my account was paid in full. However, for the past 2 years, Capital One has been reporting this to the credit bureaus as discharged in bankruptcy. This is a violation of the FCRA. At worst, this account should be reporting as closed by credit grantor and paid in full. There was no amount on this account that was discharged in bankruptcy.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXXXXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
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 XXXX 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 Mortgage Loan on XX/XX/2024. 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 # 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

Hello, I have contact way to go multiple times and have not had my issues resolved. Someone used my card and purchase XXXX worth of merchandise. I contact way to go they canceled my card and sent me a new one. They also sent me a fraud form, tired to fill it out but need information about when the issues happen. Contacted the company to get the dates because I no longer had my old card because it was reported loss or stolen. They stated they where going to send me the statements never received them and the time has passed to get my money. Than for some reason they cancelled my new card that I was sent and told me I had to send proof that it was me. Sent proof received on XX/XX/XXXX get a response on XX/XX/XXXX stating everything was approved to contact company back. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX after numerous hours of waiting on the phone I received a lady and she hang up so I called back and get XXXX and he help me he told me he could not find my claim or that I had sent anything in. I proceeded to read the email that I received and than he told me the case number I had was wrong and he give me a new case number and I havent not received a new email since and we I call I keep getting the run around about money.
Product: Checking or savings account

On XX/XX/2020 i used the Fulton Bank Et al ATM on the outside of the XXXX XXXX MD Branch on XXXX XXXX XXXX. I deposited {$140.00} in cash utilizing an machine which is/was the EXACTLY Antiquated ATM machines which permit deposits of checks/cash, yet these types of machines DO NOT PERMIT a customer to deposit all CASH EXACTLY LIKE I DID & have the entire deposit of CASH available same day. After learning on XX/XX/2020 any deposit CASH OR CHECK only {$100.00} is available IMMEDIATELY! When the USA Government gave The XXXX XXXX  ET AL of Maryland PERMISSION TO MERGE WITH FULTON BANK ET AL they neglected many things which caused me after the merger 10 plus days to check a bill pay ck deposited from a bank literally across the streetbut other people did not have the same lengthy deposit time -ONLY ME!! Now they refuse to RETURN THE {$39.00} nsf fee the assessed my account ending XXXX, even after i requested 3 XXXX  times. I am on XXXX ( NOT A MILLIONAIRE ) -i need every dollar to pay my bills. I have spent hours on the phone explaining all items they never fixed prior to the merger with one if their executives who said he appreciated my in a telephone conversation, yet blatantly refused to acknowledge same in writing-which makes him of poor quality character! Obviously i can clearly tell an executive what & how to fix the issues from a horrific merger which was authorized without properly ensuring customers did not feel/experience the BRUNT of the merger- yet i can not have a teeny tiny {$39.00} nsf fee refunded with apology. Today XX/XX/2020 i drove up to same antiquated ATM at same branch location which now DENIES ME THE ABILITY TO DEPOSIT FUNDS! Wonderful way to show ALL customers are VALUED!! I want all these issues fixed plus i deserve interest on my nsf fee up to date it is actually refunded back to my account. That is only fair & just, since i tried to fix it from XX/XX/2020TO NO AVAIL!!
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  FUNDING Address : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX  address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear LVNV I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter