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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor do I have a contract legally binding I, XXXX XXXX and TRUIST with any agreements. This Is FRUAD! I have Reached out to TRUIST multiple times due to this fraudulent account and no response from TRUIST XXXX XXXX as stated Here I would receive something in writing addressing I, the consumers concerns and I, the Consumer have been ignored each time as well as sending certified mail proving TRUIST has received my concerns as well as TRUIST ignoring them. TRUIST continues to cause damages by making I, the consumer keep an account I Never Asked Nor Agreed to. This has Caused XXXX, Mental and Physical Damages I, have been reaching Out to TRUIST Since XXXX of XXXX  to current all Documented and Notated. This is a Conspiracy against my Rights and Color of Law, For TRUIST to Bully I, XXXX XXXX. 
I Come in Good Faith and Clean Hands by Law Who Has Notice Each Persons Knowingly, may Face Fines, Jail Time and or Both according to Law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am have problem with my mortgage company ( Green Tree Servicing later became Ditech ) giving options to save parents home, which happens to be my primary residence. To give a short background of the situation, after both my parents passed away I relocated from XXXX to XXXX and when I got behind on the payments I asked for a loan modification and was asked to probate my Mother will and get the Deed in my name. I was turned down for the first loan modification and I was told I did n't get the deed in on time so I was turned down a second time. After this, I got lawyer so they could help me get a loan modification and we were both told the way they could help me was me that if I bring the loan current I could assume the loan, so after that a few weeks I was asked to send in all the paper work again for a third loan modification ( with the deed and the dates of past 2 loan modification that I applied for ) and was still turned down, because I may now own the property, but I am not on the original loan ( even after I turned in all the paperwork after my XXXX passed that I was financially responsible for the loan ). The issue started back in XXXX XXXX, and the three attempts for modification was 2 in XXXX and one XXXX which they told me to apply for.
Product: Credit card or prepaid card

See attatched XX/XX/XXXX FRAUD CLAIM LETTER OF XX/XX/XXXX {$470.00} ALLEGEDING TEMPORARY CREDITS MADE PERMANET. ( they were Not ) see attatched XX/XX/XXXX statement ONLY CREDITS ARE FROM MERCHANTS. THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET.??? see attatched OTHER FRAUD REPORTS of transactions reported fraud other months of XXXX. XXXX, XXXX, XXXX, XXXX *Claiming I need do nothing and usaa will pursue this as fraud. I DID NOT GET A LETTER OR ANY NOTICE OF THE RESULTS ONCE INVESTIGATION begun. XX/XX/XXXX &, XX/XX/XXXX, XXXX, XXXX, XXXX WHEN DID THESE INVESTIGATIONS COMPLETE? WHEN WERE TEMPORARY CREDITS MADE PERMANET? Kindly Note THE XX/XX/XXXX {$470.00} CREDITS TOOK A YEAR TO MAKE PERMANET. KINDLY NOTE THE XX/XX/XXXX PERMANET CREDITS WERE NEVER PROVIDED XXXX. I HAVE BEEN HELD LIABLE FOR ID THEFT from XX/XX/XXXX - XX/XX/XXXX. See attatched ID THEFT case XXXX. USAA DESTROYED MY CREDIT WITHOUT FRAUD CREDITS PROVIDED. THIS 35 YEAR MEMBER CONSUMER IS 100 % LIABLE FOR FRAUD WITH USAA.
Product: Credit card or prepaid card

Sir/madam, Thanks for your time. 
I encountered a fraud of BOA debit card and credit card at the same time of XXXX, the debit card fraud money was returned after my complaint, however, my credit card fraud money ( {$2900.00} ) was given credit to me at first and then charged back at XX/XX/22. The BOA account 's transaction of XXXX are not authorized by me, I didnt do anything to it and didn't get any reminding of it. So the transactions are obvious a fraud and it's unfair to charge me the money.
Product: Debt collection

Victim all of these inquiries are false all info is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I discussed with a claims adjuster from Wells Fargo Bank ( NA ) Arizona ( who would not provide his name & I.D . Number ). There was a deduction from my checking account from a service of which I never received ( auto-deducted from XXXX XXXX XXXX. The claims adjuster went through my deductions from my account. XX/XX/2023 the amount of {$120.00} was deducted from XXXX from my checking account. They offered me a provisional credit.XXXX XX/XX/2023 the amount was deducted from my checking out ; yet, again, in the amount of {$120.00} of which Wells Fargo offered another provisional credit. XX/XX/2023, there were three transactions ( 2 credits of {$120.00} dollars, and one deduction/refusal of {$120.00} ). I called the bank and I told them to stop these random, and excessive, deductions from my account from XXXX. The bank agreed to block these transactions from the Merchant ; XXXX via XXXX XXXX. XX/XX/2023, the claims adjuster explained that XX/XX/2023 it was : " adding {$120.00}, and deducting {$120.00}, '' cancels the claims out. In total, per Wells Fargo Claims Adjuster, there were : " a total of 5 credits, and three deductions. '' Therefore, the bank reversed two credits, in the amount of {$120.00}, in total of : {$250.00} on XX/XX/2023. The bank never called me to warn me of subtracting this money from my checking account. Therefore, two transactions bounced, and left me with a negative balance. Wells Fargo Claims Adjuster representative, stated : " It is definitely Wells Fargo 's error, but we are not crediting your account back, and you'll incur overdraft fees. '' I believe I should not suffer financially from financial institutions errors around adjusting claims. This is predatory, and an unfair banking motive, practice, and poor, practical customer service skills on behalf of Wells Fargo. In addition, I am incurring late fees on the two auto deductions from merchants, while my account remains in a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-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 ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I made three payments to my counterparty in XXXX XXXX. But XXXXMorgan Chase Bank USA did not process the transaction and did not return the money to my bank.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that is currently being reported on my credit file. The account in question is with XXXX XXXX XXXX and does not belong to me. I am a victim of identity theft, and this account was opened without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be immediately blocked from my credit report. According to 15 U.S. Code 1681c-2, credit bureaus are required to block information resulting from identity theft within four business days upon receipt of a valid dispute. Additionally, per 15 U.S. Code 1681s-2 ( a ) ( 6 ), furnishers of information must not report fraudulent data after receiving notice that the information is incorrect. 

I am providing the following supporting documentation to verify my claim : XXXX completed FTC Identity Theft Report ( IdentityTheft.gov affidavit )
Product: Debt collection

Experian has posted a collection to my credit report from XXXX XXXX XXXX XXXX XXXX, a collector for XXXX XXXX in XXXX  XXXX, XXXX. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in XX/XX/2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with Experian, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Product: Student loan

I keep receiving emails that I'm past due {$170.00}, and currently also due {$93.00}. After being approved for a lesser XXXX loan repayment plan AND how can they be sending me past due notices during Covid extension until XXXX, XXXX with payments beginning again not until XXXX XXXX? Please assist I pray for relief. This is VERY STESSFUL. I'm just trying g to keep ABOVE water and also all during Covid theses past XXXX XXXX yrs I have continued to pay something, EVEN after being laid off for over 3months. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been having a problem with your credit reporting department. There is some information I been asking for on three acounts. I am in a XXXX  XXXX bankruptcy by law I need the XXXX  XXXX trusses approval. I don't have that. And no one can provide the letter that states I can have this debt. Please contact you credit reporting department and have this removed. And not show up again. I attached the debt that need to be removed and not show up ever again. The acounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Payday loan, title loan, or personal loan

Opened a home equity loan XXXX personal loan ) for a few months to fund a construction project. Post completion of the project, I refinanced my home and merged the loan into a new mortgage, effectively closing my loan with Huntington Bank ( personal loan / home equity ). I have received two notifications from Huntington saying you have an overpayment on the account, but no actual refund. 

I called them today and the phone rep said she would request the return of the funds to me and it would take several days. 

I am not sure why I would have to call to ask for my money back. They should have held onto their notice of overpayments and just sent me the refund.
Product: Credit reporting, credit repair services, 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. 
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 XXXXXXXX, 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 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 15 U.S.C. 6802 ( A ) ( 1 ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -NCTUE XXXX. XXXX XXXX XXXX, GA   XXXX XXXX XXXX XXXX On Saturday, XXXX, XXXX, NCTUE, knowingly Committed 4 different violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

This admission is attached to this complaint with the following confirmation numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX acct # XXXX is reporting the debt after 7 years. 

On Sunday, XX/XX/2020, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, XXXX XXXX XXXX XXXX, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

I demand that NCTUE remove this inaccurate formation off my credit report immediately.
Product: Debt collection

I ask ABSOLUTE RESOLUTIONS to validate the debt and they refuse to validate the debt instead, they are texting me collection activity, trying to collect from this account that they allegedly said I owed which has no contract with this company and their failure to provide proof of validation the chain of title the contract between me and ABSOLUTE RESOLUTIONS they also post the account on my credit report
Product: Credit reporting

Credit Bureaus and collections company keep verifying and updating my account without sending proof of contract with signature.Im also complaining that I was not notified within five days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Capital One sent my payment to a closed acct. I tired to contact XXXX from capital ones office of the president stated that she contacted XXXX they told her that they could not recoup funds because the account had just been closed. But The XXXX account was actually closed XXXXXXXX XXXX XXXXXXXX. I have contacted Capital One more than XXXX times to resolve this issue. As well as myself another rep from Capital One called XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX verified that they returned the payment XX/XX/XXXX. They provided a trace number and re-verify that the XXXX account has been closed since XX/XX/XXXX. When she tried to explain to her XXXX the information. they told her that I needed to talk to XXXX. My business is not with XXXX. My business is with capital one. I should not have to contact someone else when the party responsible needs to do their job. Please review that phone call. at this point I feel like its retaliation for filing a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against Experian regarding my Personal, Confidential information on my report showing inaccurate information about XXXX account that is late. If you look at all my accounts on my report none of them show any late payments. This information needs to be updated to show the correct number as XXXX. 

I tried to call over the phone to have this matter fixed you can't get in touch with any representatives. The automated system says that it can't get me in touch with an agent. Can I help you with something else? Also I'm uploading my whole credit report showing the inaccurate information circled in red. 



I would appreciate your assistance in resolving this matter and ensuring that Experian adheres to fair practices in credit reporting. 

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

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Checking or savings account

Opened Citibank account for {$450.00} bonus. After completing steps and earning bonus, attempted to transfer money back to my own account ( different bank, which was the source of the original funding ) account was flagged and online account locked. Was informed account was closed for fraud with no other information and I would receive my balance on 30-60 days to which I still have no updates to this. Went to local branch and was informed the account was closed for fraud and even they couldnt issue me a check for the balance in my account. Still have not received any update as to how I had fraud from my own account and own originating funds. And still have not received balance of check.
Product: Credit reporting or other personal consumer reports

Made aware of XXXXXXXX XXXX XXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, XXXX XXXX XXXXXXXX, XXXX XXXX all have record of derogatory account. Can not open bank account with XXXXXXXX XXXX due to fraudulent account. 

Active fraud alert on all credit reports since XXXX No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.