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

I am writing to inform you that I have been a victim of identity theft resulting from a data breach.

As a result, several unauthorized accounts and inquiries have been reported on my credit file.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$18000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX XXXX  indicating my personal info was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
Product: Debt collection

The agent couldnt verify what she was calling about if I didnt give her my address.
Product: Checking or savings account

I have been unsuccessfully trying to close this checking account for months because I moved away. However, a debit card had been compromised and eventually the issue was resolved in my favor but I still can not get my money! There is no Truist bank anywhere near me now ( Im in RI ) and the bank is demanding that I go into a branch. It is almost {$700.00} dollars and Im being charged $ XXXX maintenance fees. Can you please help me get my money? 

Thank you.
Product: Mortgage

I requested escrow be removed since the loan to value is less than 80 %. 
I received a letter from Bank of America stating the reason it was denied. 

I then called and spoke to a manager in escrow named XXXX. He then provided a different reason that was Not written on the letter. 

There is something wrong in that Escrow Department. They send in writing a letter saying one thing ( which is incorrect ) and then when it was pointed out their calculation was wrong, XXXX provided a different reason.
Product: Debt collection

XX/XX/22 - Received email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a debt of {$7900.00}. I responded with a request for documentation XX/XX/22 - Second email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a deb of {$0.00} XX/XX/22 - Received letter in the mail from Capital Accounts LLC saying I had a debt of {$7900.00} from XXXX XXXX Supplies Around XX/XX/22 Called Capital Accounts and asked for proof of the debt. They would not provide details.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXXXXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right tom privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' ( Furnisher of information credit agencies ) is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the nancial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied br otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Subject : Request for Permissible Purpose for Credit Inquiries Dear, Experian, XXXX, and XXXX I am writing to request an explanation of the permissible purpose ( XXXX ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer. 
The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name.

2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries.

If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report. Please respond to my request within 30 days as required b
y the FCRA. You may contact me at the information provided above if additional details are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several account that are reporting as charged off which is not accurate they need to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo previously provided a variety of options that allowed users to schedule the frequency and amount of mortgage payments. 

Recently, Wells Fargo redeisgned the interface of their website and this functionality is no longer present. 

Despite the fact that Wells Fargo acknowledges these features are missing, they continue to reference them on their website. This is misleading to current and prospecting mortgage customers. Additionally, removing the ability to change how mortgage payments are made without notice, after the feature had been implemented for some time, may have an appreciable cost to mortgage customers who are no longer able to adjust their payments.
Product: Debt collection

REF : HRRG POTENTIAL EXTORTIONARY ACTIVITY-MAYBE FRAUD I received a letter from a company called Healthcare Revenue Recovery Group LLC ( See copy attached herein ) dated XX/XX/2022 claiming I owe them. I sent them a letter requesting the name ( s ) of the physicians and services rendered XX/XX/2022. They are yet to respond to the letter. 

I am paying the bills that the treating hospital validated as truly mine, after the CEO of XXXX XXXX responded to my letter. I have a payment arrangement that I make every month to the tune of {$400.00} and another {$120.00} to Radiologists on a payment plan. 

Reason why I write to request your assistance is the fact that Ive been informed that these bottom feeders insert this erroneous information into consumer credit reports. That would have devastating effect on my credit as I am on the cusp of home purchase this year please kindly help me. 

XXXX has not confirmed that I owed these amounts and XXXX hasnt confirmed it either. Since HRRG is refusing to prove I actually owe said debt and to whom, I do not want to be a victim of insurance fraud as Ive read recently about them. 

I would be grateful were you able to help me validate this so called debt from them, since they will not respond to my written request for validation. It would help me know and make informed judgment about how to make payments if I have to. 

A prompt and positive response to this request for your kind assistance is most thankfully anticipated. 

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

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a XXXX  party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX has violated my rights. XXXX5 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 an account without my written instructions. this item was Disputed in XX/XX/2022
Product: Checking or savings account

I have tried to access my account online tonight after returning from work. I received a notification that account was suspended due to activity on my account. I have a fraud protection on my accounts which requires my bank to contact me both via email and cellphone upon any notice of suspicious activity. This was not done, either by email or phone. When i contacted them today they said the suspicious activity which had triggered this was a wire transfer request made on XX/XX/25 to a person already listed under my wire transfer contacts, to whom i had made transfers in the past for the amount of XXXX XXXX They would not give me more information and they refused to activate my online account. I have been a chase customer for over 20 years, i have account balances which are high and substantial. I would like you to take immediate action and follow up this matter on my behalf. Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt or credit management

I have a few disputes on my account that I dont authorize I reach out to XXXX to remove it or investigate but I dont hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Debt collection

XXXX XXXX was given 30-day notice on XX/XX/XXXX of cancellation of fiber services. XXXX  has continued to invoice ( refer to case # XXXX from XX/XX/XXXX ) and still sent account to Access Receivables for collections for charges for services after cancellation. Access Receivables was sent notice to Cease & Desist via certfied mail XXXX XXXX XXXX XXXX XXXX ( delivered XX/XX/XXXX ) and via email to customerservice@access-receivables.com on XX/XX/XXXX. Access Receivable called us again today XX/XX/XXXX to attempt collection. They had been notified any further communication would result in complaint.
Product: Credit card

Hello my name is XXXX XXXX. I never had knowledge of opening capital one account. Never use it. It was fraudulently open. I told this to capital one I didnt open this account and this effected me and my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to the handling of my previous complaints regarding inaccurate and fraudulent information on my credit reports. The credit reporting agenciesEquifax, Experian, and TransUnionhave engaged in deceptive and non-compliant practices that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Despite providing extensive documentation, including an FTC Identity Theft Affidavit, a police report, a Social Security card, a government-issued ID, and multiple dispute letters, the CRAs continue to : XXXX. Reinsert Previously Deleted Accounts Without Notice * XXXX XXXX XXXX  XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * These accounts were removed in prior reports and improperly reinserted without the required five-day written notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

2. Failure to Block Fraudulent Accounts Despite Identity Theft Documentation ( FCRA XXXX ) * XXXX XXXX XXXX XXXX XXXX ( Multiple Accounts ) * XXXX XXXX * XXXX XXXX XXXX * These accounts should have been permanently blocked under FCRA 605B, yet they remain on my reports, impacting my credit score and financial well-being.

3. Unverified " Verification '' of Accounts ( FCRA 611 ( a ) ( 7 ) ) * The CRAs claim these accounts were " verified, '' yet they failed to provide documentary proof or disclose the method of verification. 
* Under FCRA 611 ( a ) ( 7 ), I have the right to request and receive : * The furnishers full verification details * The source of verification * Any supporting documentation, such as signed agreements 4. Failure to Remove Unauthorized Inquiries ( FCRA 1681b Violation ) * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * These inquiries, which I never authorized, remain on my reports despite my identity theft claim. 
5. Failure to Remove Incorrect Personal Information * Addresses and Employers : Incorrect past addresses and employment details remain on my credit report despite prior disputes.

Requested Actions from CFPB Due to the repeated violations of my rights under the FCRA, I am requesting the following actions : 1. Immediate Deletion of the Fraudulent Accounts and Inquiries * The CRAs must remove all fraudulent accounts and inquiries related to my identity theft claims in accordance with FCRA 605B.

2. Full Verification or Deletion of Reinserted Accounts * If the CRAs claim that accounts were reverified, they must provide documented proof.

* Failure to do so should result in immediate deletion.

3. Compensation for Damages * Due to the financial harm caused by these repeated errors, I am requesting monetary compensation for damages. 
4. CFPB Enforcement Action Against the CRAs * The CRAs have ignored clear FCRA obligations, and enforcement action is necessary to prevent future violations. 
I expect immediate corrective action and am prepared to escalate my complaint further if necessary. Thank you for your attention to this matter.