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

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. 

On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, the credit bureaus still refuse to remove the fraudulent accounts. 

I am now reaching out to the CFPB because I do not understand how the bureaus still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Product: Credit reporting or other personal consumer reports

The account : Law offices XXXX and XXXX XXXX XXXX account : XXXX is reporting on my XXXXand XXXX credit report ( see attached ) its not showing on Equifax so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information. 
They are also in clear violation of consumer law 15 U.S.C 1681
Product: Debt collection

There is a medical debt being reported on my credit report to the credit bureaus by Midwest recovery systems. I spoke to a representative by the name of XXXX XXXX her phone number is XXXX XXXX she explained to me that this debt was for a medical bill that occurred last year in XXXX. I then explained to her that I havent went to the emergency room ever in my life so this debt couldnt be mine. She then checked the file and realize that the date of birth associated with this account was XX/XX/XXXX and I explained to her that my date of birth was XX/XX/XXXX so this is not me. She then told me she will have to put in a dispute which will take up to 6 weeks. This is going on 7 weeks and this is still being reported to my credit report.
Product: Checking or savings account

I had a CD for 5 years with Synchrony. I renewed it for another 5 years. Last XXXX they started to take out Federal with-holding. I was given conflicting info from the bank about how to return their signature card. I followed their instruction, which were incorrect. I pay my own estimated taxes quarterly, so I do not want Synchrony to take out W-H . I contacted Synchrony more than 6 times to stop this. On XXXX, XXXX, Synchrony employee number XXXX told me the W-H would stop. It didn't. On XXXX XXXX XXXX in their IRA Dept. said the W-H would stop. It didn't. On XXXX XXXX XXXX and XXXX XXXX said the W-H would stop. It didn't. I noticed on XXXX Synchrony with-held another {$280.00}, unauthorized by me. On XXXX XXXX XXXX checked with her manager ( XXXX XXXX at their Escalation Help Desk ) ( I was on the phone again with Synchrony for nearly one hour this time, several hours total time ). I was informed the W-H would stop. This remains to be seen. I can tell you after more than 6 years as a Synchrony CD holder I live off of the interest and pay quarterly estimated taxes. I am XXXX and live on a limited budget. It is very plain to me that Synchrony doesn't give two hoots about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accountsin question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXXXXXX XXXX  XXXX.
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. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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: 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> 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 XXXX 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 XXXX  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: Money transfer, virtual currency, or money service

On XX/XX/year> I talked with some people in XXXX that pretended to be a well-known travel company. They talked to me and sent me information about a travel package in the hotel XXXX in XXXX. 
I decided to buy the travel certificate they told me. 
They said I needed to sent the money via international wire transfer so I did, in the amount of {$2900.00} dollars. I used my checking account in Wells Fargo for this transaction and the money should be available on XX/XX/year>. 
On XX/XX/XXXX they told me there was a error with my wire transfer and they would send me back the {$2900.00} but I should transfer again the {$2900.00}. 
The gave me a new account number to do the wire transfer, and I gave them my account number. 
I did the wire transfer and the money should be available for them on XX/XX/year>. 
I never received the first amount back, and I never received the travel certificate. 
I called Wells Fargo on XX/XX/XXXX to cancel or intercept the charges. They opened a dispute but havent hear anything back. 
I called the receiver bank XXXX in XXXX, but they didnt do anything. 

The information of the wire transfer reveiver accounts will be attached as photos.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX complaining about your non compliance to the request I sent you about the identity theft issues I had. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove them.
Product: Credit reporting or other personal consumer reports

It is unlawful to report inaccurate information on my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the three day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those two written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side XXXX the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Americollect about reporting errors on my credit report XX/XX/XXXX. This account was challenged one year ago, and still, no notice of dispute, which is required, has been submitted. This account was also challenged and deleted from XXXX XX/XX/XXXX. 

Americollect responded by sending a copy of my medical procedure from the original creditor, which is a HIPAA violation. Americollect did not furnish written authorization from me to obtain my protected medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX OF XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

They refuse to delete the incorrect information on my Captial One Card from XX/XX/year> under Status : Paid, Closed {$430.00} Written off. Yes Ive called Capital one also and send them the same paperwork and nobody wants to fix this let alone delete it of my account since the information is false and reported incorrectly. And pursuant to the law this should be deleted of my credit report entirely. 

This is a lie, I paid the account in Full and Closed the account myself. I have sent proof to both XXXX and to Capital one and they both refuse to do what they are legally obligated by law to do pursuant to 15 USC 1681. 

The information listed is false and inaccurate and is effecting my credit negatively, I have sent proof repeatedly regarding this issue. Without a resolution? What do I do to get someone to do what the law says they're supposed to do when the information is incorrect and false? 

DO I need to hire an attorney and sue them both for Defamation since neither party wants to fix the problem correctly by deleting it since the information is false.
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!
Product: Credit reporting

After numerous attempts to have XXXX paid medical collections removed from my Equifax credit report due to FCRA violation XXXX XXXX XXXX Equifax is reporting the hospital in which my medical treatment was rendered. This is a violation of my protection. Equifax failed to provide me with documents proving I allow my medical records to be shared with the collection agency currently listed as the holder of the accounts. Being that Equifax is no longer allowed to request information on the accounts because the accounts are all paid, I have asked Equifax to remove this account from my credit report due to the violation. They have refused to do so. These accounts are not reporting on XXXX or XXXX. I am submitting a compliant to the CFPB to assist me with this matter.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer credit report and the company XXXX XXXX XXXX has inaccurate information reporting on my consumer report. XXXXXXXX XXXX XXXX Account # XXXX stated there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/2021. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Product: Mortgage

XXXX of 2019, after XXXX advised me of a potential mortgage shortage. I notified them of my tax exemption for being a 100 % XXXX veteran residing in the state of XXXX. 

They have yet to successfully submit the proper documentation to the city of XXXX, I have been flooded with misinformation repeatedly, as I am over three dozen calls into the company and I provided all required documentation to them. 

XXXX has to facilitate the return on nearly {$10000.00} in overpaid taxes in to me. Yet they have failed to do so. My last earnest request was to revived a copy of the paperwork that they sent to the city of XXXX, that was two weeks and 5 phones ago. They have yet to provide it, mind you it is as easy as CCing me on the email. One rep stated that they would, then failed to do so. 

Lastly, I was advised by a rep to go into forbearance as I await the return of the fund, ( early XXXX ). In subsequent calls I was then provided with misinformation and inconsistent information as to whether they could or couldnt run a new escrow analysis while I was in forbearance. I was told by one rep that that was a good course of action, then in subsequent call, its not acceptable and its against their policy to perform the analysis. I am XXXX into the forbearance, OWED to them, with an incorrect escrow amount ( which makes the payments higher ) and another XXXX owed to me.
Product: Checking or savings account

I got a checking account in Chase bank. The account number is : XXXX I got a secure message from the bank that I got a return request of XXXX  USD on XX/XX/2020. Well, it was a misunderstanding from the payer 's bank due to the incorrect beneficiary address of my account information, which might make the bank feel suspicious and generated a recall request without the payer 's intention. I also had contacted the payer, Ms. XXXX, who is my friend. She told me that she had explained and clarified everything to her bank by sending some proof documents on XX/XX/XXXX. Probably her bank also faxed something to Chase bank to cancel that request. But, until now, Chase bank still froze my account. ( Attached is the screenshot of SMS from my payer, Ms. XXXX XXXX XXXX Well, I do understand that Chase bank will take some time to hold my account for further review. I respect it. But I can not accept that Chase bank suddenly withdrew {$2900.00} USD from my account without my permission and explanation. I called the hotline and was told that they are going to close my account and it was the charge for account closure, something like that ... which is totally not acceptable. 

Thanks.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX