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

My wife and I both had our private information stolen in the Equifax security breech. 
Neither of us wants or gave permission for Equifax to compile our information so they may money off our private information. Our private information is now available to crooks FOREVER. It costs us {$60.00} to freeze our credit and up to {$60.00} to thaw each time. 
Equifax was warned of their lax security now millions of Americans have their private information available to crooks FOREVER.
Product: Checking or savings account

I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.
Product: Mortgage

Unfortunately this is part 2 of my complaint, the first complaint on XXXX was due to unethical business tactics, lieing to the XXXX program, by claiming I had agreed to a loan modification, which wasn't true. Loancare/Lakeview have yet to reply directly to me in reference to that complain. Instead they decided to retaliate. I was placed back on the forbearence plan, after loancare 's first attempt at foreclosure. I am not due to make a payment until XX/XX/XXXX. Why is that my house is again up for preforclosure with no notice, or warning and only 2 days from now? Retaliation for the first complaint. Is that not illegal? For sure it shows a trend of abusing their position in the financial industry. My sister is XXXX of the XXXX XXXX in the jurisdiction she lives in and I am aware that this doesn't fall under her responsibilities, but I don't have many options and will need help from her contacts. Is that unethical? The last thing I want to do is emulate the behavior of loancare. Incidentally when I went through the modification documents, the modification was over a XXXX dollars MORE than it was before this modification. To summarize Loancare was not happy that I had chosen, the program that would put me up to date on my mortgage, giving me not only peace of mind, but some wiggle room. While loancare thought a modification that increased my monthly payment. It was a no brainer. How was I supposed to respond? Oh sure lets go ahead and keep me struggling to make my payments??? I am devastated over this situation. I'm having nightmares over being alone in the middle of nowhere, with nothing no supplies, no food or shelter. I had no idea that this kind of behavior was even possible from a mortgage company. Had I known that the end game was a financial company that obviously thinks I'm to stupid to understand whats happening. I know their role is to lend money and their bread and butter is interest rates. I never would have believed that this kind of tactic would even be considered, much less be implemented into a companies atmosphere. 
As for a fair resolution, that has already been taken from me. I have absolutely no trust at all in this company, I do not see them being fare about anything. The only thing I can see is that Loancare thinks they are above the Treasury, the arizona governor and the protection laws that are in place in regard to forclosure and homelessness prevention. Based on this situation, this company will honor nothing, It's an obvious trend in this companies environment and when it gets to be this blatantly prominent theres nothing left.
Product: Credit reporting or other personal consumer reports

In accordance with 605B of the Fair Credit Reporting Act, I am submitting this complaint regarding fraudulent accounts that were opened in my name without my knowledge or consent. These accounts are the result of identity theft, and I have already filed a dispute with the relevant credit reporting agencies. However, they have failed to act in accordance with 605B. 

As required by law, I am providing the necessary documentation, including my FTC Identity Theft Report, proof of identity, and a signed statement confirming the accounts were not authorized by me. Under 605B, the credit reporting agencies must block and remove this information within **four business days**. 

Fraudulent Accounts Identified : 1 ) XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
2 ) XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00} 3 ) XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00} 4 ) XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

I request immediate action in blocking and removing these fraudulent accounts. Please ensure the credit bureaus comply with the FCRA as these accounts are causing significant damage to my financial standing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report : Account Number : XXXX Wells Fargo I'm the victim of identity theft and I don't recognize one or more of the accounts on my report.

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute investigation to Equifax about some fraudulent inquiries that I came across on my credit report. The inquiries in question I did not authorize and have no knowledge of them. Equifax failed to investigate my dispute and closed my dispute case the next day on XX/XX/XXXX stating the inquiries are factual. The confirmation number is : XXXX. 
Inquiries : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following companies did not have my permission to run my credit and Equifax failed to provide a proper investigation and documents providing I authorized these inquiries. I have submitted a copy of my DL, proof of address, and social. However Equifax is not saying it needs to do a 30 day investigation. I have tried to explain to them it was fraud and i have supplied the docs they asked for.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed, and they came back without notifying me and this is against the law. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX  XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX  this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2018 {$1600.00} Citizens bank transferred from my checking account that I did not authorize to an account that I do not have. Have made repeated attempts to get this resolved but the bank continues to be unresponsive.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan account, and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting 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.rights. 
account name # XXXX XXXX account number # xxxxxxx XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX XXXXXXXX account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX  account number # XXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # ORIGINAL CREDITOR account number # XXXX account name # ORIGINAL CREDITOR account number # XXXX account name # ORIGINAL CREDITOR account number # XXXX 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: Debt collection

XXXX XXXX calls and leaves voicemails at least once per week. On XX/XX/2022 at XXXX EST, XXXX XXXX called and I answered. She informed me she was calling to collect on a debt from XXXX XXXX and asked if I wanted to setup payment arrangements. I said no and asked her to send me records of the debts. 

She said the company would not send me anything, that Ive been disputing the account for years and began calling me names and screaming. She hung up. I called back and asked her to add me to the do not call list and to instead communicate via written letters. I asked her what address she had on file and to update it with my current address. She again began calling me names and yelling telling me to not call her place of employment again. She then hung up after refusing to update the account per my request. 

I called back and she hung up. I called again and she answered and threatened to sue me if I called again, then hung up. I called again and this time was met by a supervisor. I repeated my request in accordance with the FDC act and he said he would add my number to the list. I asked to make a complaint against XXXX XXXX and he said the office was closing up for the day. 

I do not own this debt. Ive supplied the credit bureaus with proof that the debt is resolved with the original owner of the debt and the collection was removed. 

Please see attachments. I was offered a reduced tuition payment and I accepted. My student status was then restored without restriction. 

The collection is not being reported to any of the 3 credit bureaus but this company continues trying to collect.
Product: Checking or savings account

October 7/ 2024 I mobile deposited a check into Truist Bank checkings accounts and they put a hold on the account. The check was for {$230.00}. with supposedly a 2 day hold. On XXXX I checked my account only to notice a hold on the check until XXXX.. When i found that out i immediately got in contact with Truist, who told me that it was just a regular Fraud check. Furthermore once everything was said and done i waited. Couple days later on XXXX i checked same results. From XXXX XXXX  - XXXX XXXX XXXX  I was constantly calling Truist to check on the updates of my account. During this whole time all ive gotten was the run around, ive been lied to and after speaking with multiple Truist Representatives and Truist Fraud Representatives i realized they had me go do extra steps that was the necessary.. Causing me to wait even longer for my money. The money has been put into the account & they put a hold on my whole account Friday XX/XX/year>. On that same day i was told a request would be put into to my checks issuer and the bank to verify my funds. Today is XXXX XXXX  still no update. NOBODY from TRUIST has called me since i missed an update call on the XXXX. Not to mention the investigator or analyst only called me one time, not bothering to call a second time. Today i also realized that during these 48 hours, even though ive escalated this situation multiple times throughout this whole situation she only decided to try to help me once one Monday, XX/XX/XXXX XXXX and she really didnt help me at all considering she tried to reach out to the necessary parties one time .. with the necessary parties including me.. Throughout this WHOLE ordeal ive been without much needed funds as the area i live XXXX XXXXXXXX XXXX XXXX in was impacted by Hurricane Helene .. Now ive been told, just because of the analyst not really trying to help me the want me to wait an additional 3-5 business days on top on the 11 days ive already waited. Im a out of town XXXX and work XXXX hrs away from my home. My truist account is all i have considering all my work funds go towards rebuilding life back home. The money is in the account and i know Truist has their money from said check .. but their are making me jump through yet ANOTHER hoop when the money is there and hasnt yet been denied or pronounced fraudulent by the issuing company or issuing bank. Personally ive done my research and seen it doesnt take a bank that FDIC insured 11 days to figure out if a check is fraudulent. Ive even given them the contact info of Bank Managers, a Bank Worker & the issuer of my check and they still dont want to give me access to my funds. After this 48 Hr period i was suppose to get my final decision from Truist on whether they would close my account and send the check back or give me access back, they have done neither nor given me any update worth having. NOBODY has a time limit for anything so im basically a sitting duck at their disposal. Only for a XXXX $ check.
Product: Checking or savings account

So I was expecting my tax return to deposited into my account on XXXX XXXX and the day before on XXXX XXXX my account was blocked because I was negative- {$4.00} for about a week. So I called and they told me that all deposits would be sent back. So I waited and checked the Citibank app again on XXXX XXXX and had a positive balance of {$1700.00}. I called and asked them to unblock the account and they said they cant and it will take 60 days to receive my money in the mail and they could give me no further details and hung up on me. I just think this is ridiculous and I need that money as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE, THIS IS NOT A DUPLICATE COMPLAINT. I'm sending this complaint regarding this issue FIRST TIME. 
I '' M NOT USING ANY THIRD PARTY FOR THIS REGARDS. 
I have also sent complaint regarding this issue to GENERAL ATTORNY. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX BANK XXXX XXXX XXXXXXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX BANK - XXXX XXXX XXXX BANK - XXXX XXXX XXXX BANK - XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

debt collection company called NATIONAL CREDIT ADJUSTERS has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.
Product: Mortgage

My Mortgage Service company is playing game, with me, every time I call I get different reprsentive, and they give me miss information, and know they're telling me my loan is default.
Product: Debt collection

On XXXX XXXX, 2008, Countrywide Home Loans , Inc., a subsidiary of Countrywide Financial, sold Countywide Home Loans Servicing, another subsidiary, to NB Holdings, another subsidiary that was wholly owned by Bank of America Corporation. Bank of America Corporation paid Countrywide Home Loans , Inc., for this sale by issuing it a note for XXXX. Countrywide Home Loans Servicing was the actual subsidiary of Countrywide, that serviced almost all of Countrywide 's mortgage loans. 

Bank of America Corporation assigned a mortgage without the note twice to its own foreclosure department by hiring and using XXXX XXXX, XXXX to twice to fabricate XXXX Assignment of Mortgages within six months of one another, which is impossible to FOR VALUE RECIEVED to happen twice, when supposedly the FOR VALUE RECEIVED already transpired. 

Open both attachments!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX