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

I am filing this FTC identity theft affidavit to report two separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in damaging my consumer reports status and credit score appearing on FICO. This identity theft violates section 609 law whereby they can not provide the original document that initiated the contract with my wet ink signature to validate its accuracy. I assert that the aforementioned fraudulent items under account numbers XXXX and XXXX student loan accounts be removed from each of my consumer reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FTCP laws. This CFPB complaint has been filed to request to FCRA ss. 605 ( b ) or 15 U.S.C. ss.1681 ( c ) ( 2 ) that you, the XXXX credit report 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. Also I have filed a FTC identity theft criminal complaint number XXXX
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed from my credit report.
Product: Checking or savings account

I am writing to report a serious incident of unauthorized transactions and account compromise that occurred while I was traveling overseas between XX/XX/XXXX and XXXX XXXXDuring this period, my checking account with TD Bank was subjected to multiple fraudulent charges. Each time my card was randomly blocked, I promptly contacted TD Bank and they informed me of unauthorized charges. I clarified each and every time that the incorrect amounts were not authorized by me. Despite these efforts, the fraudulent activity persisted, leading to the compromise of my account. 
In response to the ongoing fraud, my TD Bank debit card was blocked multiple times. When I contacted TD Bank to inquire about the reason for the block, I was informed that fraudulent charges were being attempted on my account. As a result, I had to rely on my digital wallet for financial transactions. 
To mitigate the risk of further fraudulent activity, my debit card was replaced four times during this period. However, the fraudulent attempts continued.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License/ Social Security Card ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Account Paid and should have been removed Inquiry Names : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX{$380.00} XXXXXX/XX/XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX is failing to throughly investigate my complaints about the third party companies violating my consumer right. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX each consumer committed identity theft under 15 USC 1681a ( q ) The FCRA defines identity theft as a fraud committed using the identifying information of another person.

When the alleged original credit sold your information without your expressed approval or knowledge that was " a fraud '' which makes the whole thing identify theft.
Product: Debt collection

original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed over a dispute letter to Transunion disputng the completeness and accuracy for accounts on my credit report. I recently received mail sent back to me saying it was the wrong address but as you can see from the picture I am uploading it is the correct address for transunion they are just stalling and refusing to do their job. Im not sure why they think they do not have to do their job and continue to stall the way they do. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letter along with my Drivers license and proof of address. I also included the certified mail tracking numbers a long with the envelope that does in fact have their correct address on it
Product: Credit card

I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts, which had been deleted earlier, have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning this issue.
Product: Checking or savings account

I visited Old National Bank branch ( address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) on XX/XX/2019, and Ms. XXXX XXXX helped me open the checking account with {$200.00} promotion. I clearly told her that the promotion was seen on Old National Bank web page when I showed her the web page printout before my account was opened. As I checked the fine prints on the page that there was no specific statement for eligibility, so I mentioned this to Ms. XXXX, and she confirmed that I should be eligible for this promotion. 
My account was opened successfully in the branch ; before I left, I asked Ms. XXXX if the code for the {$200.00} had been applied to the system during my account was opened, and she said she remembered no code was needed during the promotion period, but she would double check with her colleagues the next day, and would follow up with me later. However, I never heard from her saying anything in XX/XX/XXXX. and XX/XX/XXXX., so I followed the instructions to fulfill the requirements towards the bonus, including electronic statement enrollment, direct deposit set-up, and debit card transactions. 
After all the requirements were met, I sent Ms. XXXX an email on XX/XX/2019 to confirm whether all requirements were met ; however, in her reply email, she asked me to remind her if I received the flyer in the mail, and claimed only those who received physical flyers were eligible. This is obviously inconsistent with what she told me when I opened the account regarding the promotion eligibility, so I helped her to recall what actually happened when she opened my account ; because it was not my fault, but Old National Banks error for misleading customers in the situation, so I should not be responsible for losing the bonus. Therefore, the bank should honor the bonus as promised during my account opening. Also, since her email said differently with what she told me when I opened the account, I suggested her check surveillance camera in the branch to confirm what I was informed ; but she insisted that she personally could help nothing on the bonus, and she would escalate the issue. On XX/XX/2019 ( over two weeks from my first correspondence ), I emailed her that if I did not receive any progress from the bank on this issue in one more week, I had to file a complaint against the bank to get my bonus.
Product: Credit reporting or other personal consumer reports

. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full for XXXX XXXX XXXX XXXX. But my XXXX, XXXX and Transunion credit reports showing still as unpaid. 

I am attaching here A PAID IN FULL LETTER FROM XXXX XXXX XXXX XXXX. 

I lost my current job and i received vacate notice to my current apartment, i will be in trouble with my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  kid, unless you react to my complaint ASAP. please take out that collection amount from my credit report based on the PAID IN FULL LETTER ATTACHED HERE. i am getting rental rejections based on my credit report collections.
Product: Mortgage

My house burnt down on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX issued a check in the amount of XXXX to me and PHH Mortgage. I endorsed this check and forwarded it on to PHH Mortgage via certified mail on XX/XX/XXXX. It wasn't until XX/XX/XXXX that PHH fed ex me an authorization to utilize property insurance claim proceeds to pay my loan in full ( form3 ). I signed the form and fed ex it back the same day. 
The payoff was XXXX leaving an excess of XXXX which I should have received by now. XX/XX/XXXX I have called PHH several times speaking to XXXX, XXXX, XXXX, XXXX and others. None of them seemed to know anything. 
I have tried to check into my PHH account online, however I receive a response " loan paid in full. '' Where is my money? I am trying to purchase a new home and need the funds.
Product: Credit reporting or other personal consumer reports

I give XXXX and Experian permission to proceed with complaint Per previous complaint XXXX XXXX response XXXX : they have removed XXXX but it is still on my report and needs to be removed asap also fraud address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; variance of employment name XXXX XXXX XXXX need to be removed as well as all the inquiries that was submitted in police reports before : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. FTC Report Number XXXX EXPERIAN : failed to remove fraudulent unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company did not XXXX and XXXX as they stated in their response this is frustrating I have been in data breaches etc. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) XXXX 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXXXXXX XXXX XXXX I received a mailer from Chase Bank which said if I opened a checking account and had funds placed in the account by direct deposit, they would pay me {$300.00} within 15 days of the direct deposit. So far two monthly direct deposits have been made and Chase Bank has not paid me {$300.00}. I have called Chase, emailed Chase, spoken to local Chase employee XXXX XXXX ( XXXX, Oklahoma branch ) and his branch manager and they are unable or unwilling to resolve this matter.
Product: Credit card or prepaid card

Not sure if anything before this is right. I got a XXXX  preferred card from citi with an offer to transfer an interest loan to a no interest card for 20 months i knew doing this would lower my credit scores but it would bounce back in a couple months. That is when things went wrong I did the transfer in XX/XX/2020 and in XX/XX/XXXX they seen my score dropped so they lowered my limits on my double cash card from XXXX to XXXX causing that card to be maxed out then in XXXX they lowered my XXXX card from XXXX to XXXX so that was maxed out as well driven my score way down i have no missed or late payments on any of my accounts and did this transfer to free up more funds to pay them down faster now I pay more than what they ask almost 3 times the amount to make sure it's paid before the twenty months is up i have called them 3 to 4 times this month and can not get them to stop lowering my limits or to put my limits back to where they were. by them lower my limits I have lost about 40 points on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX I have tried to work these issues out but they have violated my rights and I have no choice but to file a claim. Here are some of the violations I was able to find that they have violated. 

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: Student loan

There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX ( XXXX ) ), Consumer Date of Birth : ( XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer 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 consist of a personal credit card and a XXXX loan account. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. 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 reporting, credit repair services, or other personal consumer reports

Been contacting XXXX via phone, fax, and written letters to request deletion of account/ information that does n't belong to me ; also to report positive account was advised via phone on numerous occasions issue would be resolved and updated it has been over 60 days and invalid information is still be reporting. The following accounts need to be removed State Lien/Judgment # : XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX & XXXX # : XXXX, all medical collection, all inquires/ alias names : XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX , XXXX , XXXX,  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX the following address : XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX , GA ; XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX