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

I am writing to formally dispute and demand the immediate removal of a fraudulent account that has appeared on my credit report, despite my prior successful dispute of this account. It is clear that this account was improperly reinserted into my credit file, in direct violation of federal law, and I expect immediate action.

I initially disputed this fraudulent account under the Fair Credit Reporting Act ( FCRA ), and it was removed. However, I was shocked to find that this same fraudulent account was added back onto my credit report shortly thereafter. This is not only unlawful but also a violation of my rights as a consumer.

Under the FCRA, Section 1681i, if a disputed account is found to be inaccurate or incomplete, it must be corrected or removed. Furthermore, under Section 1681c-2, if a previously deleted account is reinserted, the credit reporting agency must notify the consumer within five business days and provide an explanation of the reinsertion. I have not received such notice, nor have I been given a valid explanation for this fraudulent account being readded to my report.

This fraudulent account is a direct result of identity theft and has no valid basis for appearing on my credit file. I demand that you investigate this matter immediately, remove the account from my credit report, and provide me with written confirmation that this fraudulent account has been fully removed. Additionally, I request that you provide the name, address, and telephone number of the creditor who reported this account to you, as required by law.

Failure to comply with this request within the next 30 days will result in legal action. Please be advised that I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorneys general for any further violations of my rights under the FCRA and other applicable consumer protection laws. I will also pursue any and all other legal remedies available to me. 
I trust that you will take this matter seriously and act promptly to correct the errors on my credit report. 

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

Theses Inquiries are fraud and is an attempt to get credit in my name. Never applied for these companies to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. I requested a XXXX transfer on my Adv Plus Banking account ending in XXXX and was disclosed a {$1.00} fee per the screenshot then when the transaction was complete a {$3.00} fee was withdrawn from my personal Adv Plus Banking account ending in XXXX. Requesting a {$2.00} refund to my personal checking account, 2. On my business fundamentals checking account ending in XXXX was charged 2 x {$35.00} overdraft fees on checks that have not been cashed and scheduled to be deducted from my account in XXXX not XXXX. The bill pay was withdrawn on XX/XX/XXXX. 

We are active military and requesting that both {$35.00} overdraft fees on my business checking account ending in XXXX be refunded along with the {$15.00} monthly service fee ( total {$90.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments were reported on my credit report for the following. 


XXXX XXXX - Currently late - 7 missed payments XXXX XXXX XXXX XXXX XXXX 2 missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not unlock my account, I have called more times than I can remember. They asked me to fax them my name, SSN, Drivers license and pay stub, which I have done at least 8 times over the pass four months. I have also created a customer care case, which has been open for three weeks with no response from them. I'm fed up with their lack of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I COULDN'T BELIEVE WHAT WAS ON MY CREDIT REPORT ABOUT OWEING PAST RENT FROM THE TWO DIFFERENT AGENCIES. IN A DIFFRENT STATE.. never lived there in my life. Called tryed to explain aske auestions for over 3 weeks will not listen. Nothing is adds up to me or my last name. Dob. S.s.n. very rude they will not take it off. I have lived in XXXX.tx all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$180.00}.
Product: Debt collection

I have received several notices from Midland Credit Management regarding old debts that they purchased. The letters state that " though your account has been charged off and sold, the underlying promissory obligation remains. As the legal owner of this account we are entitled to repayment. If we dont hear from you or receive payment by XX/XX/year>, we will review your account for further collection activities. '' These debts are over XXXX years old! 
I continue to receive calls and these threatening notices for several old debts they purchased from XXXX XXXX  and they are also on my credit reports. 
This has affected my emotional wellbeing worrying about being sued for a debt I am no longer obligated to and continues to impact my credit worthiness.
Product: Credit card or prepaid card

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from Discover Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for Discover Bank with a Balance of {$7800.00}.

I have never opened Nor Used Discover Bank and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, GUARDIAN CAPITAL MAN add a derogatory mark on my credit reports. GUARDIAN CAPITAL MAN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Mortgage

I was referred to him. In mid XX/XX/2016, we meet with him to see whether or he could help us. He proceeded to inform us that he could help but will be tricky due to the gifting in the contract and that a lot of realitor 's could not help us. I have never bought a house so I assumed that he was being honest. From word of mouth, including gifting in a house loan is extremely difficult. So we decided to go this way and started the paperwork. We got all of the paperwork together that he asked for.. Pay stubs, checking account info, Taxes and a Power of Attorney from the Bank. So papers were drawn up. We go and sign roughly 2 weeks later. Then he proceeds to tell me that he missed some stuff and that we need to come back to sign more papers. So we do this 2 / 3 times. So I need to leave work a little early to do this. I explained to him that this is costing a lot of money in gas and that I have to keep leaving work early due to traffic. After the third time of going down to sign papers, I told him my son was leaving and we needed to ensure that we have all the paperwork in line. He stated we did. Then came again for the fourth time and stated that we needed more info and still needed to sign more papers. Then he had stated to us that he had lost the papers due to carrying then in a backpack from changing offices again for the second / third time. So I took a couple days off work and we drove to we drove to California. We got the papers signed. Drove back. Got in touch with him and dropped off the papers. After doing all that and meeting with him on countless times. After 3 weeks goes by, he stated that due to the time frame on the loan, it took to long. And that we needed all new info again. I reminded him on how that I asked him to ensure that we had everything together the first time and he said we did. He apologize and stated how he not organized due to moving offices and losing papers.I explained and expressed very hard, telling him I 'm gon na have one shot at this due to different reasons. I explained the reason to him as well. So I got what he asked for and got the papers signed that he wanted signed. Got them all back to him. After 2 or 3 weeks goes by. He proceeds to tell me that he needed more info and that we may need this years taxes as well. I asked why on the taxes. Again because of the time frame. So after 3 months of losing papers. acciddently shredding papers or needed to resign the same thing and being extremely lost and frustrated. Of being told the process took to long while waiting on him.Towards the end of XX/XX/XXXX was the last time I spoke with him and told him that I 'm not using him. I did not realize that it took 3 months of paper work and still not done according to him. Then in XX/XX/XXXX, he CHARGED A XXXX Cost to my credit card for a home appraisal. We only got a text stating the amount of XXXX is what the home is worth. We never got our appraisal.
Product: Credit reporting or other personal consumer reports

I have expressed in written as well as verbal form that XXXX XXXX is in violation of my consumer rights. 
A letter was emailed as well as mailed in to XXXX XXXX expressing the violations of my consumer rights and that I did not give them any written nor verbal consent to share my information with anyone. 
However XXXX XXXX is ignoring federal laws and regulations and still sharing my information that is causing me signicant financial loss. 
As of XX/XX/2024 XXXX XXXX XXXX is showing that I am 150 days late on my credit report. 

In accordance to the fair credit reporting act XXXX XXXX has violated my rights in accordance to 15 USC 1681 Section 602 states I the consumer have the right to privacy.

15 USC 1681 section 604 A section 2 Also states that a consumer agency can not reporting agency can not furnish a account without my written instructtions.

15 USC 1666b A creditor may not treat a payment on a credit crd account under an open end consumer credit plan as late for any purposes.

I have made several complaints about this matter and yet nothing has been done
Product: Student loan

I went from XXXX in loans to over XXXX in a matter of an year. The company is n't willing to work out a reasonable repayment but had my payments are XXXX and XXXX and it 's no way I can afford that amount a month. How is it possible for such an increase even with the accure Interest will make my total that amount and such a short amount of time Navient taking over the loans. It is impossible and unreasonable to ask any one to make such balloon payments of that amount.
Product: Money transfer, virtual currency, or money service

I deposited {$10000.00} in cash with blockchain.com in my wallet and now I can not get the money back out. 

I have filed multiple support tickets with the company with no response. 

Do not use Blockchain.com, they also took {$15000.00} of cryptocurrency from me and will not allow me to move it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX report indicates that Huntington National Bank ran four inquiries on my report. XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 At this time, my XXXX XXXX file was frozen. 


Huntington National Bank didn't have my permission to access my report
Product: Debt collection

In 2019 I was having medical issues and needed to be taken to the hospital by ambulance with the city of XXXX. At the time I was and still am insured with XXXX XXXX XXXX. I gave them insurance companies information. I have since called the city of XXXX and provided them my insurance information from XXXX XXXX XXXX. They were suppose to charge my insurance company. To this day they are still trying to collect the debt from me using a 3rd party collection agency Penn Credit Corpeven though I was fully ensured at the time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card

On XX/XX/XXXX XXXX I visited XXXX XXXX XXXX to purchase mattress when I received my first bill I noticed the amount I owed didnt match with what I purchased when I called synchrony bank I noticed that XXXX XXXX made several charges I didnt authorize i returned the merchandise to XXXX XXXX and notified the bank of the issue in which I had to file a dispute XXXX XXXX refunded me the full amount but synchrony bank keeps billing me for something I dont have .i have been trying to get the resolved for months now, now they are trying to mess up my credit with late charges I do not owe I owe them nothing. Please help I dont know what to do
Product: Credit reporting or other personal consumer reports

hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SPECIALIZED LOAN SERVICING TRANSFERRED A PHANTOM CLOSED COLLATERAL FILE FROM XXXX XXXX XXXX FOR A DEBT OBLIGATION THAT WAS BY MUTUAL AGREEMENT TERMINATED, AFTER BEING ACCELERATED XX/XX/XXXX. AND BECOMING TIME BARRED AND ALSO XXXX XXXX CLOSED BY SETTLEMENT TERMS AS I HAD PREDATORY LOANS FROM MY FIRST XXXX AND XXXX ELECTED TO CLOSE THAT TO A XXXX BALANCE {$0.00}. 

MORE THAN XXXX YEARS SINCE FIRST DEMAND OF ACCELERATION. 
MORE THAN XXXX  YEARS SINCE LAST PAYMENT OF PRINCIPAL AND OR INTEREST THAT XXXX XXXX. CODE XXXX IS TIME BARRED AND FROM XXXX WAS ALSO XXXX BUT WAS ALREADY PRIOR CLOSED TO XXXX SINCE XXXX XXXX XXXX YEARS, XX/XX/XXXX TO XX/XX/XXXX. REMOVED OFF MY CREDIT. {$0.00} BALANCE. 

NOW IN XX/XX/XXXX XXXX HAD ACCESS TO STALE COLLATERAL FILE AND TRADED MY PERSONAL INFORMATION TO SLS AND THEY STARTED TO CREATE THE FAKE DEBT TO CLAIM IT WAS OWED AND DUE AGAIN. THEN HIRED A NEW SUB OF TRUSTEE TO EXCEED THE CONTRACT PROVISIONS AND EXCEED THE RULE OF LAW AND CREATE A FALSE NOTICE OF DEFAULT AND CHANGED THE DUE DATES THIS WAS TO FALSELY USE MY NAME TO COLLECT ON A XXXX  THAT IS BY LAW EXTINGUISHED AND SATISFIED. THAT SUCH NOW MY IDENTITY IS USED FOR THIS FRAUDULENT REAL PROPERTY THEFT BEING SOUGHT ON XX/XX/XXXX THREATENED TO TAKE OVER MY PROPERTY WHEN THE XXXX IS UNENFORCEABLE.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX XXXX, I received an email with the subject line " Important information regarding changes to your Chase account '' Chase is requiring me to send in writing a letter to reject the binding arbitration clause. This is particularly onerous, when they could easily allow me to opt-out by phone or online. 

Below is the top-line of the updates from the email they sent me : " '' Important Changes to Your Account Terms Notice : Your Cardmember Agreement and associated Rewards Program Agreement ( if any ) were assigned to JPMorgan Chase Bank, N.A., as successor by merger to Chase Bank USA, N.AXXXX, on XX/XX/2019. Furthermore, beginning XX/XX/2019 all references to Chase Bank USA, N.A. in your Guide to Benefits and any additional account agreements and documents shall be read as JPMorgan Chase Bank, N.A. 
Summary of changes to your account terms effective XX/XX/2019. 
The description of the Minimum Payment calculation found under your Cardmember Agreement Rates and Fees Table is changing to a minimum of {$35.00} and to include unique payment obligations in connection with Flexible Financing Offers. 
We are introducing two new features, My Chase LoanSM and My Chase PlanSM, under which Flexible Financing Offers may be available to you from time to time, subject to the new rates and fees and Cardmember Agreement terms described below. 
A binding arbitration provision is added and the Military Lending Act Notice is revised accordingly. YOU CAN REJECT THE BINDING ARBITRATION AGREEMENT. YOU MUST MAIL YOUR REJECTION TO US BY XX/XX/2019. PLEASE SEE THE END OF THIS NOTICE FOR INSTRUCTIONS " ''
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX loan of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX  amount of {$940.00} XXXX XXXX XXXX XXXX  Collection amount of {$1000.00} XXXX XXXX Credit Card Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to freeze this account bankrupckty approved and valid dismissed need removed off credit. Account was in XX/XX/2015. Credititors should not be able to see this banlrupckty. 2. Send a procedural request letter to the credit bureaus. If the bankruptcy is verified by the credit bureaus, you will next need to send them a procedural request letter asking them who they verified the bankruptcy with. The best way to write a procedural request letter is to use my sample letter here.