23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
Product: Checking or savings account

I called several mos ago regarding all these overdraft fees. I wanted them to NOT pay if my funds were not there they said it was a built in the system that they had no control over.
Product: Debt collection

Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Credit Limit, High Credit Limit, and Reported Dates Across XXXX, Experian, and XXXX I am writing to file a formal complaint regarding multiple inaccuracies on my credit report across the three major credit bureaus : XXXX, Experian, and XXXX. I believe that the discrepancies outlined below violate the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 
Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) XXXX Inaccuracies in Reporting : Credit Limit Discrepancies : XXXX : The credit limit reported is {$3700.00}. 
Experian : The credit limit is reported as {$0.00}. 
XXXX : The credit limit is reported as {$5000.00}. 
These values can not all be correct. The differing amounts between the three credit bureaus suggest a violation of the FCRA, as the information reported must be accurate and consistent across all bureaus. 
Incorrect Last Reported Date : XXXX : The last reported date is listed as XX/XX/XXXX. 
Experian : The last reported date is listed as XX/XX/XXXX. 
XXXX : The date is correctly reflected, but I am disputing the discrepancies with XXXX and Experian, as these can not both be correct. 
These discrepancies regarding the reporting date further violate the FCRA, as the date of last reporting must also be consistent across all credit bureaus. 
High Credit Limit Discrepancies : XXXX : The high credit limit is reported as {$3700.00}. 
Experian : The high credit limit is reported as {$0.00}. 
XXXX : The high credit limit is reported as {$5000.00}. 
This inconsistency in high credit limits further complicates the accuracy of my credit report and suggests a violation of the FCRA 's requirements for accurate information. All three credit bureaus can not have different high credit limits, as this undermines the accuracy of the information being reported.

As per 15 U.S. Code 1681i, under the Fair Credit Reporting Act, when a consumer disputes the accuracy of information on their credit report, the credit reporting agency is required to conduct a reasonable investigation and correct any inaccuracies. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The consumer reporting agency must review the dispute, investigate the relevant information, delete any inaccuracies or errors promptly, typically within 30 days of receiving the dispute. 
If the information is found to be inaccurate or incomplete, it must be deleted, as appropriate. 
The consumer must also be notified of the outcome of the investigation.
Product: Checking or savings account

My backpack was stolen on XX/XX/18 which contained my laptop, my cell phone, and my wallet. Afterwards, the thieves got into my bank account and uploaded fraudulent checks under my name. This happened to two of my accounts. The first account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$1200.00} and # XXXX in the amount of {$1100.00}. The account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$5500.00} and on XX/XX/18 with check # XXXX in the amount of {$980.00}. This has taken both of my accounts into deep overdraft and also they are frozen at this time. At the time I had {$450.00} on hold from a money order I uploaded, which ultimately got take by whoever gained access to my account. A police report was filed and sent in. I also made a fraud claim with USAA only for them to turn around and tell me in liable for the charges. I've gotten the runaround from them for the last week or so now and I feel they will continue to blame me for these charges even though I CALLED INTO THE BANK TO REPORT THE CHARGES. They never contacted me about any of the activity on my accounts. Now I'm stranded 1000 miles from home, being a XXXX XXXX from XXXX going to school in Florida, with no bank account, no way to access my money, no way to eat, no way to pay my bills, and no support system. USAA does not care about their customers as I feel like they did not do a thorough investigation before they found ME liable for fraudulent activity on my own account.
Product: Credit reporting or other personal consumer reports

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I wrote a check from my personal checking account at XXXX Bank on XXXX XXXX, XXXX, to an incorporated roofing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The check was stolen along with other checks from a USPO mailbox on or about XX/XX/XXXX. An individual deposited the check into a personal checking account at Wells Fargo Bank and cleared my account on XXXX XXXX, XXXX. The individual is not related or affiliated in any way with the roofing company. My bank, XXXX made a formal request to Wells Fargo Bank for a Breach of Warranty Claim- Presentment Warranty stating the type of Warranty Claim was " Indorsement is Missing/Unauthorized/Fraudulent. To my knowledge, XXXX Bank has not received a formal response from Wells Fargo regarding the Breach of Warranty. 
I filed a claim with CFPB, claim # XXXX. CFPB forwarded the complaint to Wells Fargo who replied to me and with a copy to CFPB stating that " the bank can not assume any liability when a customer chooses to do business with questionable individuals ''. CFPB responded to me that the company had responded, and the case was closed with explanation. I would like to appeal the decision of CFPB to close the case, based upon the unauthorized Indorsement by a customer at Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions made by me the consumer. This block is not being made in error, or on a basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Product: Debt collection

XX/XX/XXXX I filed online dispute XXXX about some negative accounts that are not mine. This is XXXX of them. On XXXX XXXX and XX/XX/XXXX I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C XX/XX/XXXXg Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today XXXX XXXX, I have sent them another letter to provide me proof of my alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, has violated my rights.

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

While understand that by XXXX XXXX XXXX XXXX ( XXXX ), including XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX, Has closed down from committing unlawful practices misrepresenting job placement rates and school programs targeted low-income, vulnerable individuals and left tens of thousands of students under a mountain of debt unable to find a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

I signed up for a JetBlue barclays card XX/XX/2022. The advertised promotion was for XXXX points after spending {$1000.00} in the first 90 days, approved. I received a confirmation call of approval the next day, XX/XX/2022 at XXXXXXXX XXXX. After receiving my card, I swapped the cost of my flight of {$800.00} to my new Barclays card. I also confirmed with the JetBlue associate ( I have the screenshot of the conversation ) that the XXXX points was still the promotion. About two weeks later, I logged into my Barclays account only to discover that they applied a {$250.00} statement credit. Confused, I called Barclays. I was told that my promotion was a {$250.00} statement credit and XXXX points after {$1000.00} in 90 days. I argued with them for several hours over the next few days, stating that wasn't was I signed up for. I reached out to JetBlue for help, and they said it was out of their hands. I called up each company one last time and was told it would be escalated. That was a month ago. I have a confirmation number from this supposed escalation, but haven't heard anything since. I've called Barclays again, and they continue to dismiss me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX  back in XXXX of 2020. Without consent they have pulled my credit and then sent me an email to stating such. While the email contains necessary disclosures when you pull someones credit, they were not authorized to do so. 

I have not made any contact with this company for well over 2 years.I have attached the email from them.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Mortgage

On XX/XX/2019 I attempted to make my monthly mortgage payment to Statebridge Company via their online payment processing feature on their website. I have done this every month. 
I was not able to make my payment as my mortgage account is listed as inactive and my account history shows a service release as of XX/XX/2019. 
I have not received an email or letter to notify me of the possible selling of my mortgage and am currently left with no knowledge of my mortgage status or payment instructions.
Product: Credit reporting or other personal consumer reports

i have been reporting this incident for years now and no one hasnt did anything about it. Its alot of things i can not apply for because someone has use my information and open several accounts in my name. My car was vandalized a few years ago in XXXX, tx at a hotel and they stole my bag with my ssn, ids and other personal info. I see students loans, bank/credit unions, utilities, cars and etc thats not mines. And its leaving negative output on my credit report. I need them remove asap. I attached other important to this complaint.
Product: Checking or savings account

***DONT USE BANK OF AMERICA CHECKING ACCOUNTS FOR PURCHASING FLIGHTS** On XX/XX/XXXX at XXXX I made a transaction for a trip with XXXX XXXX and the transaction did not go through. I called my bank and spoke with one representative XXXX and XXXX supervisor at around XXXX blaming XXXX of holding funds of approximately {$3300.00} ( which the total amount posted was {$3300.00} ). 

I then transferred and connected the B of A representative to a XXXX representative by phone. XXXX clearly indicated that they do not hold funds! 

Since XXXX my funds of {$3300.00} have been pending in which I have needed to remake a transaction of higher flight price to Delta, but my funds have been held hostage!

I can not run my business if the bank will hold my funds. This has caused the price of my transaction to rise hundreds of dollars.

Will Bank of America pay for this? If not, then what is a bank for? Only incompetence to it's customers?
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDNEXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$330.00} XXXX XXXX XXXX XXXXBalance : {$0.00}
Product: Credit card or prepaid card

JP Morgan Chase is again failing to process disputes in accordance with the law. I reported a transaction I was overcharged on in writing on XXXX separate occasions over the past XXXX months. JP Morgan Chase has not replied at all except with irrelevant form letters about high volumes and delayed response times. It's now been more than XXXX weeks without acknowledgement or resolution. The last irrelevant form letter reply from chase was on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY. THE ACCOUNTS ARE UNDER LITIGATION. THE ACCOUNTS WERE OPENED USING MY IDENTITY INFORMATION BUT WERE NEVER AUTHORIZED OR DID I HAVE KNOWLEDGE OF THE ACCOUNTS BEING OPENED. I AM A VICTIM OF IDENTITY THEFT. THE ITEMS IN WHICH I NEED TO BE REMOVED IMMEDIATELY ARE THE FOLLOWING : ACCOUNT : XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2021 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report today and there was all the sudden, out of nowhere a collection account for this company, XXXX XXXX XXXX. I have no business with them and have never received any documentation for any account through them. This was never on my credit report before as an open valid account like other accounts I have, but all of a sudden they are claiming the account is delinquent and in collections. I want the account removed from my credit report as false information that was never validated. XXXX XXXX XXXX has hundreds of complaints from this company regarding false information being reported to the credit companies and this needs to be stopped/corrected
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a fraudulent entry from my consumer file maintained by ChexSystems. The account in question is XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, Charge-Off {$180.00}, with Consumer ID XXXX. This charge is the result of identity theft, as confirmed by my filed report with the Federal Trade Commission ( FTC ) and the identity theft measures I have implemented on my credit file. I also successfully had this account removed from my XXXX credit report due to the same identity theft claim. 

ChexSystems has stated that my FTC report does not support my claim because it lacks a law enforcement officer 's signature. However, it is essential to recognize that when identity theft occurs through data breaches, it is often impossible to pinpoint the perpetrator, limiting the involvement of law enforcement. Discrediting the validity of an official FTC identity theft report undermines the established procedures for addressing such crimes. I respectfully request that ChexSystems reconsider my claim and remove this fraudulent account from my file to reflect the same resolution achieved with my XXXX credit report.