23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries. 

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved.

I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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/year>
Product: Credit card or prepaid card

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and  the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of  XXXX transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV , LLC # XXXX, for committing identity theft. I have never given Spring Oaks Capital SPV , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. XXXX legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SPRING OAKS CAPITAL SPV , LLC XXXX can provide me with sufficient documentary evidence such as a trilateral contract, that I have any legal obligation to pay them .15 U.S.C . 1692e ( 12 ). The false representation or implication that accounts have been turned over to innocent purchasers for value. 

If this documentary can not be produced and Spring Oaks Capital XXXX XXXX # [ XXXX ] continues its collection efforts, I will file for ligation for actual damages caused and SPRING OAKS CAPITAL SPV , LLC XXXX will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C . 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice.

You are here by notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and response are both requests and required. XXXX XXXX XXXX XXXX. # ( XXXX )
Product: Checking or savings account

Today, XX/XX/2021, I just received an email from Bank of America says that my balance is below {$25.00}, which is odd. Because I know I have more than {$25.00} in my bank account. After I logged into my account, I saw {$880000.00} hold there in both of my accounts, so I called BOA ( XXXX ), and their customer representative said my accounts have been closed, checking and saving accounts but i can still use my credit card, and she can't give me a reason because " they have rights to do so ''. No email, no text messages or phone calls, they just closed my account without informing me, and if i didn't call, I wont know that my account has been closed. And she said I will receive a cashier 's check within 7-10 days. But then I found that my credit card account has been cancelled as well, I made another call ( XXXX ), this time another customer representative said that I won't receive anything until the investigation is over, I then asked what investigation and she refused to tell me.
Product: Debt collection

XXXX, in relation to Telecheck, sent me a letter ( to my home address ), related to a purchase from an XXXX seller for XXXX. Apparently the EFT or check ( bearing check number XXXX ), was written on a closed account at XXXX XXXX  XXXX XXXX. All they would tell me was that it was an account ending in XXXX. They refused to provide any further information. A call to that bank indicated no accounts existed in my name in the past 12 months -- they had no information on this account. XXXX   asked for my License number and SSN, as well as other identifying information -- eventually they told me they required this information to investigate, though they refused to provide information to me about the account. For all I know they are a phishing scam hiding behind a collection business. I do not use use accounts like this to order online, I did not order form XXXX XX/XX/18 as alleged, and I can not investigate further. I have filed with the FTC regarding this issue.
Product: Checking or savings account

Yes I had opened an account with capital one and had a few charges that weren't mine I contacted them and they corrected it and now they have froze my account and charged me for the previous charges that I had disputed and now my account is in the negative but they froze it so I can't even do anything with the account I've tried to contact them and they've told me my account is being closed and I tried to ask them the reasoning for this and they can't give me an answer so I don't know what they expect me to do. I asked if I send them proof that I was at work when some of the charges took place and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, TransUnion and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XX/XX/XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Product: Credit reporting or other personal consumer reports

I requested information from the creditor and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card or prepaid card

I have an account with Macy 's and I opened it in XXXX, I kept it in good standing and then the pandemic hit and a fell behind on some bills : Citibank being one of them. Macy 's and some of my other creditors decreased my credit lines to {$100.00}. The original credit line at Macy 's was {$1100.00} but I've been working diligently to improve my credit. I settled a lot of debt and I recently requested an increase on my Macy 's account that was decreased back in XXXX of XXXX. Macy 's declined my request due to my having an existing account with poor payment history which is not accurate. I believe that I have shown that I can manage a higher credit limit and furthermore it is untrue to say that I have an existing account and deny credit to a consumer. I did call Macy 's and speak with someone by the name of XXXX and she stated that she would be making a complaint to mend the error. However, I wanted to make the complaint to follow through to ensure that I am protected and I receive the attention that this demands.
Product: Debt collection

During the first week of XX/XX/XXXX my wife spoke to someone at Sequim regarding an acct for XXXX XXXX. My wife stated we can make small monthly payments and made a {$25.00} payment in good faith. On XX/XX/XXXX I received a call from Sequim and had my wife call them back on my behalf. My wife requested a mailed statement from Sequim and the Sequim rep stated one was mailed in XXXX and one mailed on XX/XX/XXXX. We have not received any statements in the mail and when my wife again requested a mailed statement the Sequim rep said we can get this info online. My wife then told the rep we agreed to a {$50.00} payment on XX/XX/XXXX. The rep stated there was no agreement in their system. My wife asked for a detailed accounting of how the total balance Sequim is claiming is owed is made up and Sequim stated they can not provide that. My wife then hung up and sent an email disputing this debt as the amount is more that the last XXXX bill, we asked for the name of the creditor, the acct number and an itemization of the current amount of the debt that reflects interest, fees and payments made to date. Sequim responded by saying " Thank you for reaching out to us about your account. Attached please find for your review supporting documentation concerning the debt. If your questions concerning this debt have been resolved, you may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. '' Sequim attached XXXX XXXX statements for XXXX - XX/XX/XXXX. The XXXX statement shows a balance of {$1500.00} and the XXXX statement shows a balance of {$1200.00}. Sequim shows an account balance of {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing   XX/XX/XXXX Experian XXXX XXXX Auto/Truck Leasing XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX  XXXX XXXX Automotive   XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX Student Loans  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/XXXX XXXX
Product: Student loan

I have mailed privicay and Opt-Out Instructions for all my accounts Great Lakes XXXX XXXX is servicing to both the Department of Education with whom responded advising me to send notice to my loan server Great Lakes. 
Opt-Out Instructions for Account # XXXX Dear US Department of Education/Great Lakes XXXX XXXX : Following are my instructions with regard to your information sharing and Opt-Out policies : 1. You do not have my consent/permission to share my personally identifiable information with any nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act the ( Gramm-Leach-Bliley Act 15 U.S.C 1682 and 17 CFR 248.7 ) to opt-out of any sharing or sales of my personal information by your company. 

2. You do not have my consent/permission to share my personally identifiable information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 

3. I Request a copy of your company 's Privacy Policy and opt-out methods that states how you handle my personal information. Only what is " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my consent/permission to disclose any information about me, including transaction and experience information, to any of your affiliates. 

* You do not have my consent/permission to disclose any information about me in connection with direct marketing agreements between your company and another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. EXPERIAN. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. EXPERIAN. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report
Product: Payday loan, title loan, or personal loan

XX/XX/19 Suppose maximum loan I QUALIFIED for ... per Loanme pulling my credit report : 1. {$10000.00} ... Terms = 79 % interest ... 84 month installment payments at {$660.00} per month ... {$2000.00} origination fee. 

2. {$7500.00} ... Terms = 79 % ... 84 month installment payments ... at {$490.00} per month ... {$2000.00} origination fee. 


XXXX. {$5000.00} ... Terms = 135 % ... 84 month installment payments ... at {$420.00} per month ... {$75.00} origination fee. 

Loan agent XXXX XXXX straight out bamboozled, flatout lied, misrepresented, and old school BAIT/SWITCHED, in addition to making me jump through a hoop like a DOG, having to provide all pages of my utility bill. When at inception I was told all I needed was to have my credit successfully ran, and to provide California DL, and my SS card for the successful sale from what I was originally purchasing. 

Which was going to be the {$5000.00} loan with the above terms. In the end of supposedly being fully approved he comes to me with the ( attached ) deal of {$3100.00} ... 135 % ... for 47 month installments ... at {$350.00}! Straight institutional racism at it's finest, when a person of XXXX is down on his fortunes, and in need!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2023 the credit assessed a membership fee for {$39.00} and I did not receive any statements or notifications and as a result of not having a balance on the account I was not aware and as a result the creditor reported to the credit bureaus a 30-day late without my permission or consent and did not consider my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NEW ISSUE AND SHOULD BE HANDLED AS A SEPARATE COMPLAINT THIS ISN'T A DUPLICATE COMPLAINT EQUIFAX REQUESTED ME TO IDENTIFY MY IDENTITY ALTHOUGH I HAD PROVIDED PROOF OF MY IDENTITY WHEN I SUBMITTED MY COMPLAINT HOWEVER, IT HAS BEEN PAST THE REQUIRED TIME-FRAME IN WHICH EQUIFAX IS BOUND BY FEDERAL LAW TO RESPOND TO MY COMPLAINTS AND THEY HAVE FAILED TO DO SO. I WILL CONTINUE TO FILE A COMPLAINT EACH TIME THIS FEDERAL LAW IS VIOLATED BY EQUIFAX.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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