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

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} INQUIRIES XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXate of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX OF XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - G Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX FINANCIA Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I have received a california state for middle class tax refund. I have registered with money network that has issued the debit card, However I am unable to transfer the money to my XXXX  XXXX account. I have made several tries on multiple different days and multiple times. I keep on getting message that account not found. 

Company is incapable for any transaction and should be removed. They dont want to do transfer but want charges from debit card XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax received my dispute about a public record that is reporting on my consumer report. Well today as of XX/XX/XXXX, I received a letter from them stating the results of their investigation. They stated the information was accurate and has was verified which I find hard to believe when I have a letter from the CFPB where XXXX who they used to verify stated they made a mistake in XX/XX/XXXX about reporting a public record that was not mine and removed it from their system. I also have a letter from the Courts verifying that they do not furnish any information to the Credit Reporting Agencies. The courts upload all of their records to a system called XXXX which only a member can access but the information is not reported to the Credit Reporting Agencies by a system.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to removed the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I wired $ XXXX online on Chase.com. The wire transfer in question was from Chase to Chase, and despite clear identification details such as the name and address of the account, an error in one digit of the account number resulted in the funds being deposited into an account belonging to someone else with a different name and address. After 2 days I realized the fund has not been received by the expected beneficiary, so I called Chase and communicated the problem. They recommended and placed an amendment on XX/XX/XXXX  to transfer the funds from the wrong account to the intended account. After a week they said amendment is not possible and they should do a recall. Their overall investigation took over 3 weeks despite dozens of follow ups and after 3 weeks they said the beneficiary has closed their account so we are not able to recall the money!! I already experienced financial losses in addition to the $ XXXX and spent so much time following up with the bank on phone and in person. 
The attached documents provide detailed information about the intended beneficiary ; however, Chase has confirmed that the funds were sent to a different individual with the surname " XXXX. ''
Product: Credit reporting or other personal consumer reports

This debt collection agency has engaged in prohibited practices under the FDCPA, which include abusive, deceptive, and unfair conduct. They have reported an account for which there was no agreement or signed contract on my part. A legal contract necessitates the agreement of both parties, and I was not involved in any such agreement. Furthermore, they failed to follow the proper five-step validation procedure, further contributing to these unfair practices. The balance on my credit report does not match the balance I have with the original creditor. Additionally, there are discrepancies in the data they have furnished. It raises questions when the " date last active '' differs from what another credit bureau is reporting, as all information should be both complete and accurate. Moreover, I was never provided with correspondence notifying me that this account was sold to LVNV FUNDING LLC, which is a clear violation of regulations. There was no communication sent to me by mail leading up to the reporting of this collection account, even though it was added in XX/XX/2022. I am formally requesting a copy of any correspondence that was mailed to me during that time, informing me of the debt with your company. Failure to provide this documentation would constitute another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed and payment is not made within 15 days, I will have no choice but to involve my legal attorney to pursue this matter through small claims court.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that showed deleted but are still showing all my account that dont belong and this is Transunion also reporting on XXXX  that all of them need to be deleted and not showing on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

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


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

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

I received an act XXXX. They sent me to XXXX and the counselor said that I will qualify for the new VA XXXX loan modification where the VA refinances my house for 2.25 % and adds any debt on the end. This is the only way I am going to be able to afford the mortgage. I only work 64 hours every 2 weeks and Ive been using. Ever last dime to make the payment. I do not have any extra money to pay utilities. Food. Etc. I need this and I have provided all the information for this loan modification. I need it done ASAP. Im broke. I need the payment around XXXX dollars. Thats the only way I can survive right now
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Ex

perian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps  who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.XXXX  acct. # XXXX bal. $ {$19000.00}, 2.  XXXX/XXXX  acct. # XXXX 3.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX**** 4.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 5.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 6.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 7.XXXX  XXXX  acct. #  XXXX 8.
Product: Credit reporting or other personal consumer reports

Names and addresses do not belong to me and I have been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

VARIATION IN CREDIT REPORTS - EXPERION I am very concerned with the credit rating submitted by EXPERION. Their rating is XXXX vs XXXX at XXXX and XXXX XXXX. This a huge variation between the other companies. EXPERION has caused me a lot of problems as they had information wrong on my credit report than had to be corrected. I sent them the following on XX/XX/XXXX and am waiting for a response. They also advertise their Boost program which does not list my bank. If they are going to do something for some individuals they should do it for everyone. 
I believe they are only interested in making a profit off everyone rather than correctly calculating my credit score. 

Why does XXXX XXXX XXXX not show up in your list of Boost banks. I pay my rent every month, electricity and XXXX phone using my bank debit card and have always been on time or early since XX/XX/2016. I am also concerned about my Experian score which is XXXX vs my XXXX  score of XXXX and XXXX   of XXXX. That is a huge variation. If I do not hear back on both questions I will contact ConsumerProtection.gov on Tuesday XX/XX/XXXX. 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

XXXX & XXXX fraudulent checks where deposited in my personal account after seeking a personal loan through credit karma. The company is XXXX XXXX XXXX. I was told the deposits were to verify that the account was actually mines. I was told after the deposits were made take the money and send it back and the process would be complete. After this my account was put in the negatives ( - {$650.00} ). I XXXX the company and apparently it is a actual company. They have people impersonating they are with this company but actually are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, when I checked my latest credit report I found some discrepancies, I would like you to remove those discrepancies and lock my credit profile, please. 

Accounts : XXXX ) XXXX XXXX XXXX  opened XX/XX/XXXX this account is too old to remain in my report. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( second account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( third account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fourth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fifth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX  XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 


Addresses : Please delete addresses below XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Inquiries which I dont recognize : XXXX ) XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXXK FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to assert that my right to privacy is of the utmost importance. This dispute letter serves as an exercise of that right. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am exercising this right under that law. Therefore, I request that all information provided in this letter be handled with the highest degree of fairness, impartiality, and respect for my privacy. 

Furthermore, under 15 U.S. Code 1681b ( permissible purpose ), I have not granted this company any permissible purpose to access my information. This is a direct violation of the code, and I am requesting the removal of the following accounts from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, and credit capacity. Given your obligation to safeguard my privacy, I expect this matter to be addressed with urgency. 


XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Debt collection

I have contacted the debt collector to receive any contract that I have signed, Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to keep my head above water. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX has posted on my credit report that I was past due prior to them transferring the loan and servicing to XXXX. In fact though, I was still on automatic payments when that transferred occurred and XXXX XXXX XXXXXXXX even transferred my last payment, it may have even been final two payments, to XXXX so there was really no way I was late with XXXX XXXX XXXXXXXX, it's just really logistically impossible to indicate that it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Act Credit Reporting Act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Product: Credit card

I received XXXX emails from Chime on XX/XX/year> saying I had just opened a new account and a card was on its way. I did not open this account. I called and asked when it was opened and what personal information was used, and all they could tell me was that they had my email on file and the account was opened online. They wouldn't tell me if they had my SSN on file. They closed the account and advised me to report it to the credit reporting agencies. I had my SSN stolen a few years ago and already have a freeze on new accounts with the credit reporting agencies so I don't know how this happened.
Product: Checking or savings account

On XXXX I applied for an checking account and was told that I couldnt open up an account, because one of the credit bureau had a security freeze on my report. I called that credit bureau and was told by rep there is no freeze on the account. I have been having this problem and spent two days working on this and still showing up freeze on my account.