23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or consent. I am requesting that all the accounts listed below be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

I WANT THE 1098 CORRECTED AND A REAL AUDIT OF THE LOAN THEY SENT THERE WAS MISAPPLIED FUNDS AND LATER THE PAYMENTS I MADE WHEN IT WAS TRANSFERED THEY WERE PUT AS CURTAILMENT OF THE LOAN I HAVE A STATEMENT FROM ESCROW SHOWS PRE PAID % WHERE IS THAT? 
WHY HAVENT I BEEN CREDITED THE FAKE TAX PAYMENTS XXXX TRIED TO PULL OFF? 

WHERE IS THE EXTRA MONEYS I PAID TO PLANET I CAN NOT FILE TAXES PLANET REFUSES TO GIVE A 1098 OR THE CREDIT LA TAX OFFICE GAVE BACK TO XXXX THERE WAS NO TAXES THEY SHOULD HAVE PAID I WAS REFUND {$1000.00} BECAUSE IF THEM XXXX WAS REFUNDED {$1300.00} + $ XXXX {$760.00} + {$54.00} = {$2500.00} I AM AFRAID TO PAY TAXES BECAUSE THEY HAVE INTERFERED AND THEN CHARGE MORE IN PAYMENTS THATS HOW THEY OPERATE ... ... I HAVE A LIST OF PEOPLE THAT HAVE HAD SAME EXACT ISSUES.. 

GET THEM TO AUDIT THIS LOAN NO MORE FRAUD
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Product: Credit card or prepaid card

I requested my negative balance back via phone support. I requested ACH or wire transfer. I was told the only way ACH works is if they send am email at a random time they can not predict in the following 48 hours. I was told if i fail to authorize the ACH transfer that it would be shipped via mail. I am currently on an island that does not receive physical mail, and can not go to the mailing address because i am distancing from my family who reside there. On top of this, i informed them they are not allowed to mail a physical check. 
4 days go by, no email, but i see the refund was issued on XX/XX/25. I called to see what happened. I was informed a physical check went out, and i complained about this. I reminded them a physical check was unacceptable, and that i had not gotten an email. I escalated this matter to a supervisor, and was informed that someone from the executive office would call me in within 48 business hours. We are now 4 days past the second phone call, and the executive office has not reached out to me. 
On a side complaint, the call lines and verification processes are requesting online account passwords. This is a GIANT no-no in the computer world.
Product: Credit reporting or other personal consumer reports

Continental Finance didnt provide the 1099C form for the account on my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I received a notice via email that XXXX accounts were deleted. I spoke with a representative on XX/XX/XXXX in the fraud department where the representative helped me with the disputes. I have had a fraud alert on my Experian credit report since XX/XX/XXXX. 

The reason for the deletion is because I uploaded my FTC documents and Drivers License and Social security information with my correct name. My name was reporting incorrectly and there were accounts that should not be reporting. So I received an update that they were removed immediately. 

Today XX/XX/XXXX. I received an email of reinsertion of all the accounts that were deleted. I spoke with a representative and he stated that it was never deleted. I told him it was, I have copies and proof. Then stated he the reason it was reinserted was because they received more documentation from me. But they never did. The documentation that was received was sent in XX/XX/XXXX when I spoke with the Fraud department and he corrected my name and city of my address. I asked him to explain why it was reinserted again just to clarify, he stated it was because they received documentations from me. I asked him when, he proceeds to say he doesnt know because he is having system issues. Not acceptable, because I know when it was submitted and asked to be transferred to fraud department. 

Call was transferred to XXXX in Fraud Department. The same thing was explained to her and she also stated that it was pending investigation. I expressed to her AGAIN, that the accounts were deleted on XX/XX/XXXX and I have proof and they need to be removed permanently. 

She still stated that theres nothing she can do. This is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. They did not receive that information in XXXX day from all the creditors. They deleted due to the circumstances of the accounts reporting.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$31000.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : XXXX XXXX  Chargeoff XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : XXXX XXXX Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2300.00} -This is not my account.
Product: Debt collection

I received correspondence from several attorneys that Jefferson Capital has filed a civil suit against me. In XX/XX/2019 I disputed an account with Jefferson Capital for a XXXX account they were trying to collect on they failed to prove the account was mines which resulted in the account being removed from all three of the credit Bureau. Since the removal of the account Jefferson Capital have never made any additional attempt to collect on the debt. So on XX/XX/XXXX I received some random mail from several attorneys that Jefferson capital filed a lawsuit against me, I immediately called Jefferson capital and spoke with a representative in the litigation department. When I asked her to explain to me why Im being sued if they removed the account and stopped collected on the account months ago she couldnt answer my questions. She then transferred me to the dispute Dept who I then spoke with a manager who couldnt explained to me why I was being sued if they had stop collecting on the account. The manager then told me she will send a email to the litigation Dept manager to give me a call back as they will be the better Dept to explain to me why Im being sued. No one have called me back. I have called on multiple occasions and spoken to multiple reps who keep transferring me to other departments because no one can answer the question as to why Im being sued. I was even transferred to the direct attorneys voicemail and I left a voicemail for them to call me back and still no one have called me back. On XX/XX/XXXX my wife told me that an officer came to the house looking for me to try give me papers from the lawsuit. I then called Jefferson captial once again and still no one is able to give me any resolution
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Mortgage

I applied for assistance through Keep your home California  X/XX/2017   . I was approved for the program and was advised that all of the required documents have been received. Keep your home California has confirmed that they have submitted the assistance packet to my lend er BSI Financial Services. I  have called BSI on many occasions to confirm the status on my application, and they have been unable to confirm receipt of the application or any other information as to time-frame or status. I request that BSI provide me status of the KYHC application and resolve this issue promptly. KYHC ID #  XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has attempted to collect a debt from me. This company is in violation of 15 USC 1681k, this company doesnt have a valid contract with me and doesnt have my permission to report this information on my consumer report. They a Have violated the FDCPA and the FCRA and I demand a settlement and removal of all my information from my consumer report! I have no knowledge of this account!
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX  XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried setting an account with credit karma, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my Transunion account. XXXX XXXX has submitted a dispute and XXXX XXXX XXXX  has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with TransUnion, XXXX, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint again to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance {$580.00} ; XXXX XXXX  XXXX Balance {$900.00} ; XXXX & XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX  XXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX BANK XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXXXXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Bank account or service

I applied on line for a Wells Fargo Bank account so that I had somewhere for my father to wire my money. He lives in a rural area where the nearest XXXX XXXX is 3 hours away so it would be easier to wire money straight from his bank to mine. 
I was refused a bank account. I had resolved my bank account issues to my understanding with Wells Fargo. They understood that the previous issues were due to fraud. They XXXX out my account and I chose to close the accounts until a later date. They did n't even reimburse me for what was fraudulently taken from the account. 
Now I am refused an account 3 years later and want to know why.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the 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 and inquiries are the result of identity theft and fraud. I request that Experian block these fraudulent items immediately, as required under the FCRA, and confirm their removal from my consumer credit report.
Product: Debt collection

Resurgent Capital is now trying to collect a debt on behalf of LVNV funding. LVNV Funding is legally not allowed to collect debts in the State of Tennessee. They are using Resurgent Capital as an alias to do so. This is the same tactic that they used with XXXX XXXX XXXX. They sent me a blank debt validation letter, therefore they failed to validate my debt. This is a tactic they use to illegally put a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to correct my name. I have repeatedly disputed this and they delete it and put it back on. Equifax has my husbands suffix mistakenly mixed up with my name on my credit file. I am receiving mail with my name incorrect. My name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX My Maiden is XXXX. I have submitted my passport and other credit agencies with the correct spelling of my name. 
Please Equifax correct my name for the hundredth time I AM NOT A XXXX!!! I only have this problem with Equifax and no other credit reporting agency.