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

I have already provided the required documentation to report that my Identity was compromised by XXXX  Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


9. The inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

10.The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 


13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my right s as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the cre dit being pulled without my permission.
Product: Money transfer, virtual currency, or money service

I wanted to sublease my apartment, one person contacted me saying she is moving to my apartment with her new job. She sent two cheques to my address saying the company sent it for her moving cost. she told me to deposit those cheques and transfer via XXXX. I deposited two cheques on XXXX XX/XX/2021, total amount XXXX , after I transfer, the cheques got bounce back and i lost all my money. I notified Bank of America. They couldnt resolve the issue yet.
Product: Debt collection

I paid and settled this account and confirmed that with unifin. The representative stated that they could not provide me a letter of payment stating it would be deleted from my credit report. She stated I could not record her stating that and then hung up on me.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to NAVY FEDERAL CR UNION for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Acct # XXXX {$570.00} I have sent this company a debt validation letter twice and to date they have never responded. 

XXXX XXXX XXXX. Acct # XXXX I have sent this company a debt validation letter twice and to date they have never responded
Product: Checking or savings account

I am an XXXX XXXX XXXX woman. On XX/XX/XXXX, I was a victim of fraud. Basically, someone scammed me into sending him a wire transfer from my Wells Fargo bank account of {$21000.00}. Wells Fargo did call me when I initiated the wire transfer but the scammer was still on the phone with me and told me what to say to make the wire go through. 

I have filed a complaint with Wells Fargo, number XXXX. I was told that I would not get money back from Wells Fargo. However, I believe that Wells Fargo is legally negligent and needs to reimburse me for the {$21000.00} for XXXX reasons. 

1. Wire Recall. I called immediately after the wire transfer and asked for a wire recall. The police XXXX handling my case told me that Wells Fargo should have been able to recall at a minimum some of the money. I was told today that recall requests were sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo should have made the recall request on XXXX XXXX  right after I called. In a denial letter, Wells Fargo told me that they will initiate a wire recall if someone tells them they were the victim of fraud, but then denied our claim because they said I had not asked for a wire recall when I called on XX/XX/XXXX. That is contradictory. Moreover, I called Wells Fargo on XXXX XXXX  with my daughter XXXX XXXX and we did ask for a wire recall at that time. However, the recall request was not made until nearly XXXX weeks after the wire transfer. This is negligence. At least some, if not all of the money, could have been recovered. Wells Fargo is not accepting responsibility for their negligence. 

2. Fraud Victim Notice/Awareness. I was previously a victim of a gift card scam involving my Wells Fargo account in XXXX. Thus, Wells Fargo had notice that I was a susceptible to fraud and should have had additional safeguards in place for my account. Yes, Wells Fargo called to verify the wire transfer with me but the fraud was still ongoing -- the fraudster told me what to say. Given the notice that Wells Fargo had about me being susceptible to fraud, additional safeguards should have been put in place. Simply putting the usual safeguards in place for mewas negligent given that you knew she was susceptible to fraud.
Product: Credit reporting or other personal consumer reports

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act XXXX XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of XXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( Transportation fede ) Date of inquiry XX/XX/year> The inquiry was not authorized ( Citizens Bank XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for violations of the Uniform Commercial Code ( UCC ) 9-506 in the state of Texas, inaccurate credit reporting, and predatory lending practices that raise concerns about the credibility of this companys legal and financial operations. 

I have never had an account with this company, nor have I co-signed for anyone. However, XXXX XXXX XXXX is falsely reporting an account under my name as a joint account, which is inaccurate and misleading. 

I previously requested validation of this alleged debt, but your company failed to provide the required documentation within XXXX  days, as mandated by UCC regulations. Specifically, you did not provide original validation proof that the repossession of the subject vehicle was conducted legally in accordance with the following UCC statutes : 9-506 Effect of Errors or Omissions 9-611 Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Disposition of Collateral 9-613 Contents and Form of Notification Before Disposition of Collateral Since you failed to comply with UCC 9-506, this account is invalid and must be deleted from my credit report immediately. Your companys continued reporting of this inaccurate information is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok my mom passed away and left my sister and brother and myself the house. I since bought a home in Colorado my sister lives in our mothers house in California and paid this bill every month on time. Account open in XX/XX/XXXX I wasnt living there then. In XX/XX/XXXX I filled bankruptcy it was included in my bankruptcy but my sister continue to pay this account until the end. She finished in XX/XX/XXXXlooking at the report every payment paid but one, the last one just doesnt make sense. What XXXX XXXX did was trying to get paid from me though my bankruptcy try to get extra {$500.00} dollars and I had never been responsible for this account payment. XXXX XXXX has the lien release paper that she paid the payment off. She wrote this on her taxes not me. And I thought that I sent this in already no response so here it is again how can they say they investigate and it was denied accuracy and it would stay on my account?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite many attempts to follow up and have them removed. This marks the eleventh time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial XXXX 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these XXXX  items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account # XXXX, has violated XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Checking or savings account

I called Citizens Bank last week and spoke to a representative who said my bank bonus would post on XX/XX/year>. Today, XX/XX/year>, it still has not posted. 

I called again today at XXXXXXXX XXXX  and spoke with XXXX. He transferred me to the Contact Center without a warm transfer or update, and after being on hold for over an hour. 

I spoke with XXXX in the contact center, but couldnt get any information about the bonus from her either. The terms of my account were to open the checking account online, deposit a {$500.00} direct deposit, and receive the bonus by XX/XX/year>. I opened my account on XX/XX/XXXX, made a {$10.00} funding deposit on XX/XX/XXXX, and my direct deposit hit on XX/XX/XXXX, all within the 60-day timeframe.
Product: Money transfer, virtual currency, or money service

I'm locked out of my account my account disappeared and their sending me email after email to troubleshoot my account but it never works its an automated email and no one is getting back to me their like its your problem i have email receipts of XXXX ive purchased and i can prove i have an active account theirs no customer service just an automated service this us ridiculous i want my money almost XXXX  dollars and no Access no one answeres phone
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation XXXX loan late payment XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreed to a settlement that was applied to Capital One Bank USA account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.
Product: Mortgage

I had a XXXX XXXX and ended up having XXXX. I had to move out of my home and into a XXXX home. I was unable to pay the mortgage company and so they started foreclosure proceedings. I obtained a real estate agent who, after showing the house over 40 times was finally able to find a buyer for my house, I notified the mortgage company and they told me that I would have to pay to have an appraisal of the property done which I did. They then told me I would have to provide them with a cost to cure with a list of areas that need repairs in the approximate cost of those repairs, I provided that to them as well. Every time I would call them to check on the progress of the requested short sale and acceptance from them they put me off they kept saying they needed more time call back in two days. Call back in two days this went on for over three months now the appraisal which I paid {$600.00} for has expired and they are telling me Im going to have to pay for another appraisal, because they have not yet made a decision. They told me the rationale for that was because they did not get the cost to cure document before the appraisal expired. However, I have proof that I sent that cost to cure to this company seven times before the date the appraisal expired, I dont know what else to do. Im afraid my buyer is going to walk away can you please help me?
Product: Mortgage

I am writing today in regards to my account with Loan Care Servicing C # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Prepaid card

I bought an American Express Pre-Paid gift card for {$200.00} in XX/XX/23. I have attempted to use it at a few retailers XXXX XXXX XXXX, XXXX, XXXX ) and it has been declined every time. Each time it's declined there has been more than enough money on the card to cover the purchase, and when it's declined I'm told it's a processor error. I have called customer service 5 separate times, and I have gotten different, useless advice like wait 24 hours or make sure your card has enough money ( I have done both without the card working ) each time I've called. I just want to access my money.
Product: Checking or savings account

I received a bank statement dated closing period XX/XX/2022. I promptly called and they advised me they would put a fraud alert on the account. I received another statement XX/XX/2022 and the account is still open. I called multiple times and was hung up on for no reason mid conversation as they were verifying all my details. Social, drivers license, dob and etc. After 4 calls they finally gave me a case number. Additionally if you ask for the fraud department you are transfers to a third party- how can this be allowed to occur? I am not confident this account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, Experian, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent.

*15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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

In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, and contacted the XXXX county court listed on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account on Credit Report Dear CFPB I am writing to formally complaint because i found a collection account listed on my credit report. After reviewing my credit report, I noticed an entry that I believe is inaccurate and in violation of certain federal laws. The details of the account in question are as follows : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number XXXX XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXXXXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure of nonpublic personal information by financial institutions. I believe the collection account listed involves the unauthorized disclosure of my personal financial information, in violation of this privacy protection statute. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Permissible Purpose ) : According to this section, a credit report can only be accessed for permissible purposes. I question whether the collection agency had a legitimate and permissible reason to access my credit report and report this account to the credit bureaus.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute criminalizes the use of someone else 's identification in connection with the commission of certain felonies. If this collection account was opened or reported using fraudulent information or without my authorization, it could potentially involve identity theft.

Given these concerns, I request that you investigate this account in detail. Please provide me with the following : Proof of the legitimacy of the debt and the collector 's right to report this account.

Documentation of the permissible purpose under which the collection agency accessed my credit report.

Confirmation that my personal and financial information has not been mishandled or disclosed improperly.

Until this dispute is resolved and the account verified, I request that this collection account be marked as Disputed on my credit report.

Please respond to this dispute within the timeframe required by law 30 days for receiving this notice. Additionally, please provide me with written confirmation of the outcome of your investigation and any amendments made to my credit report as a result.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts that my credit was pulled by two credit card companies multiple times on XX/XX/XXXX and XXXX XXXX Which hard pulls were added to my credit report. I did not apply for any credit with these companies. Capitalone and Cap1/neimanmarcus
Product: Debt collection

Vance and Huffman LLC is reporting on my report in the amount of XXXX $ I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.