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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to bring to your attention a concerning matter regarding a debt collection attempt made by XXXXXXXX XXXX on XX/XX/2023, and the subsequent lack of response to my debt validation request. Additionally, I am now being contacted by another debt collector, MRS BPO, on XX/XX/2023 regarding the same debt, which raises questions about the legitimacy of this debt and the practices of the involved parties. 

* XX/XX/2023 : I was initially contacted by XXXX XXXX regarding a debt they claim I owe. I promptly responded to this communication by sending a debt validation letter via certified mail, return receipt requested, on XX/XX/2023. 
* Despite the passage of XXXX months since sending the debt validation letter, I have not received any correspondence or documentation from XXXX XXXX validating the debt as requested. This lack of response raises concerns about the validity and accuracy of the debt in question. 
* On XX/XX/2023, I received a communication from MRS BPO, another debt collector, inquiring about the same debt that was previously being pursued by XXXX XXXX. This sudden change in the collector 's identity, without any prior notice or explanation, further raises doubts about the legitimacy of the debt and the practices of the involved parties. 

Given the circumstances outlined above, I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws. 

I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.
Product: Credit reporting or other personal consumer reports

THERE ARE UNAUTHORIZED HARD INQUIRIES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CALLED EXPERIAN THEY IGNORE MY COMPLAINT AND THESE INQUIRIES REMAINS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with all 3 Credit reporting agencies XXXX, XXXX and Experian in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of XXXX/XXXX/2010, XXXX shows a file date of XXXX/XXXX/2010, and Experian shows a file date of XXXX/XXXX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
Product: Checking or savings account

In 2022, I was victim of identity theft/hacking. I immediately contacted the bank ( Wells Fargo ) and asked to put a freeze on any contact via phone or internet, however I quickly checked and realized they did not do it properly, and despite my best efforts fraud and attempted fraud was still occurring. I had already contacted the fraud department in the first day or two, but nothing was done and I was told to go to the branch ( XXXX XXXX XXXX ) where despite having an IC3 report and a report from XXXX I was told the soonest they would change my account number was the following week. Being angry, I took my money out and opened a new account at a different bank nearby and filed a complaint with Wells Fargo executive case management office ( case ID # XXXX ) and closed my account at the appointment the following week being forced to pay {$100.00}. My daughter who was just shy of XXXX at the time asked to leave her XXXX checking open because she didnt have all the information needed to re open a new account, so I agreed, however shortly after she turned XXXX, I went to check on her XXXX account and realized she had a pending check for {$1500.00}. Knowing that she didnt have access to this much money and as a XXXX no one in our family would have given her that money, I looked online and to my horror it was a check for a home care agency from Indiana- which shes never been out of California in her life- and the signatures werent even remotely similar. Because the check still showed as pending I quickly called Wells Fargos fraud department and alerted them to the situation since they had both my and my daughters signature on file. I was told that they would not be treating it as fraud and was threatened by the employee in the fraud department that I would be held responsible since I was the only person who was over XXXX on the account. Two days later the check was released from pending to paid status and eventually I received a letter stating that I was responsible for the altered/fictitious check I filed a new complaint with Wells Fargo executive case management office ( case id # XXXX ) however it has been assigned to the same case manager as the first complaint, and I have reached out to her numerous times with my documentation and also to ask for updates, yet she has not been transparent with the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I started a dispute with lexus nexus to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have called Equifax because my address after several requests was never updated even though I have lived in my current address for over 2 years. I have submitted proof of identity 4 times already and every time i have called them either they do not have the documents or part of the documents. I have spoken to several supervisors and am met with inadequate servicing of my account and several times they claimed they could not even find my file. I also have tried for months to remove a fraud alert that i have never requested and to date they refuse to remove it. They are very disorganized and do not seem to know how to do their jobs, it is unacceptable the amount of time i have wasted on the phone and the many times i have had to send documentation and still months later the issue is not resolved and has hindered my ability to refinance my home. They are the absolute worst when it comes to servicing the needs of their customers and are clearly in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH TRANSUNION XX/XX/2020 AND XX/XX/2020 THEY FAILED TO REPLY
Product: Checking or savings account

XX/XX/year> deposited a {$5000.00} check from a payer that I have deposited checks from before. Called local branch and they verified the funds were available. But a hold was placed on check for 7 days and no reason. I called was told it was corporate not local branch. XXXX would not tell me a reason and said they can do whatever they want. I told them it was in violation and I was being severally harmed by their actions. they did not care. kinda laughed that it was holiday and I was stuck XXXX miles from my home.
Product: Debt collection

After being denied credit due to collection accounts on my report, I ordered a copy and found an account from an agency I have never heard of called Quantum Collections. The amount is for {$730.00}. I have tried to contact this agency and I have received no response. Not only are they reporting a debt I do not owe and damaging my credit, they have not contacted me even once regarding this debt so that I could dispute its validity and get it removed from my credit history. I do not owe this agency any money and they have no right to be reporting this to the credit bureaus. I am shocked that a business would report negatively on someone without contacting them, especially given this is not my debt!
Product: Credit reporting or other personal consumer reports

I have not been able to get an accurate credit report since XX/XX/2023. The Credit Bureaus XXXX and XXXX are unable to give me accurate reporting or my annual report after request. No access online anywhere on any site. 
I am part of the data XXXX, XXXX and TransUnion data breach. I am a victim of identity theft. 
I am promised accuracy in my credit `report based on federal law I am writing again as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and except validate it so I request that you remove it now. 
I am promised accuracy in my credit `report based on federal law I am writing as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. 
plus all 23 inquiries except for the recent XXXX XXXXXXXX inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I want validated I believe I have this right to validate the debts
Product: Money transfer, virtual currency, or money service

Am writing to express my utmost concern and dissatisfaction regarding the withholding of the funds in my Square account. As of XXXX/2022 I got notified by square that my account has been deactivated and my square balance totaling {$98000.00} will be held for a period of 90 days, right now its over 16 months and my funds is still being held by square which is causing significant financial strain and impeding my ability to conduct business effectively. 

Despite my repeated attempts to address this issue through your customer support channels, I have encountered nothing but delays and unhelpful responses. I urgently demand the immediate release of my funds in full. 

The impact of this hold on my business can not be overstated, and it is imperative that this matter is resolved with the utmost urgency. Failure to do so will leave me with no choice but to seek legal counsel and pursue all available avenues for resolution. 

I trust that you will prioritize this complaint and take immediate action to rectify the situation. I look forward to a prompt response and the release of my funds.
Product: Checking or savings account

I was a victim of identity theft. I also reported the identity theft issue to FTC. Chase Bank made a mistake and processed a transaction of {$1500.00}, without my authorization, on their own accord. As soon as I pointed it out to them that they made a mistake, by calling them on the phone, they ended a business relationship with me, in retaliation, without a reason. I am a longtime customer with Chase Bank. It appeared that Chase Customer Claims gave me a letter, XX/XX/18, which confirms their misteak. I called Chase Customer Claims, XX/XX/18 at XXXX. 
Chase Customer Claims transferred me to Executive Office at XXXX. XXXX XXXX, XXXX, gave me Case Number : XXXX A Notice of Unauthorized Use of ATM/Debit Card Account was given to me by Chase Bank. And, a response, to Chase Bank, will be given by me.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize Trans Union reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX ( originally XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened fraudulently ) 3. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account XXXX XXXX XXXX  fraudulently opened ) Inquiries for removal : XXXX. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

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

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Accounts to Dispute XXXX XXXX XXXX XXXX, High Balance : {$21000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$13000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$3400.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3400.00}, Last Date of Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$3700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3700.00}, Last Date of Payment : N/A Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX Hard Inquiries : 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

To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, 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.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX