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

The are unauthorized Inquiries reported on my credit report for the following : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, Bank of America on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank of America on XX/XX/XXXX.
Product: Mortgage

360 Mortg age  Company has  fraudulently used my name and also has committed Identity Theft by claiming they were me. My new insurance company   XXXX   XXXX   which I 've had sine   XXXX   XXXX    2017. stat ed someone called and authorized changes on my insurance account. The changes were to change my personal information and begin sending all correspondence and billing documents to them. I also received a refund of my monthly payment and a letter of closing my payment plan account which I opened. The   XXXX   XXXX   representative  XXXX  out of the  XXXX  IL office and she confirmed the Mortage com pany 360 Mort gage made changes to the account. I was on my  XXXX   XXXX  online account and witness the changes that were made without my consent. The representative also stated that the  XXXX   XXXX  Agent  XXXX   XXXX  was the only individual who could authorize changes to my account. This is an invasion of privacy concerning the  Information Privacy Act and shows  an intent to practice fraudulent and deceptive business claims. The representative  XXXX  also stated that my phone number was verified by the  360 Mortgage   Company.  The phone number that was used has not been in service for years. I do believe  XXXX   XXXX  didi not know the details of  what 360 Mortg age was internally practicing.
Product: Debt collection

Received letter showing a past due debt from XXXX XXXX. I went through a debt consolidation a few years ago and settled all of my outstanding credit card debt. Since this time, Ive been able to get a couple of credit cards from XXXX XXXX which seems very odd they would offer me new accounts if I was trying in default on an account with them. Ive contacted the debt collection company, The Bureaus in XXXX, IL, and notified them that I disputed the debt. They have sent no additional information about the loan to verify it is accurate. It is showing up on my credit reports and I do not feel that it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in my dispute to Equifax and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct infomation same as all ways and it was never a problem verifying it before I stated that I was ready to file a law suit because of the way Equifax is unfairly treating me you can chek the infomation I send in the necessaryinfomation required to proof that I'm the XXXX XXXX XXXX requisting this dispute.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


10. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed it was showing a closed account from XXXX XXXX XXXX  showing me as a authorized user on a credit card, I have never had, used, or possessed a XXXX XXXXXXXX credit card, I have never authorized anyone to add me to their credit card, and have never spoken to XXXX XXXX XXXX asking to be added as an authorized use.
Product: Checking or savings account

I have a previous complaint filed against Citi Bank with CFPB. Please reference my account. I have waited the allotted 60 days after the account was closed to receive my funds which CitiBank has said was issued to me. I have not received them. I call them and they can not provide me details and tell me I need to wait another 60 days to receive a letter stating why. I called the Citi Bank branch in Nevada on XX/XX/XXXX and spoke with the branch manager who stated that Citi Bank had issued a check for the remaining balance in my account back in XXXX and I should have received the check by now. I have attempted to call Citi Banks executive response unit and they have only responded with letters in response to voice mails saying they will no longer respond to my requests for further details about the money I am owed and I just have to continue waiting. I have these emails and will provide these. I am owed {$8800.00} from the date of closure which is clearly stated on the last letter from the Citi Bank executive response team as XX/XX/2023. It is well past the 60 days. My account number with them is XXXX. I have been told by customer service agents that my account does not even exist but then others say it does such as the branch manager. I have screen shots and paper trails such as wire transfers from my XXXX XXXX accounts to prove otherwise.
Product: Credit card or prepaid card

I can't get a credit card with Bank of America because I am XXXX. Afterwards, I got approved for a credit card better than the one I was applying for with Bank of America with XXXX for more quadruple the credit limit with an annual fee more than that of the Bank of America card and my credit history is flawless.
Product: Credit card or prepaid card

My wallet and XXXX were stolen while I was traveling in XXXX XXXX, California. I reported fraudulent charges on my Chase Sapphire Preferred credit card within minutes of the charge being made. The people who stole my card were denied the first charge they made, but completed the transaction again and Chase allowed it to go through despite me reporting the previous charge as fraud within minutes.

I filed police reports, froze my credit accounts, had to order a new debit card and driver 's license. My iphone that was stolen wound up in XXXX ( via findmyiphone ), which suggests a pattern of theft from this person/people who stole from me.

There were 2 fraudulent charges made on my Chase card on XX/XX/21. The first one was made at a XXXX for {$46.00}, and the second was made shortly after for {$410.00} at XXXX. Chase has approved the XXXX charge as fraud, but will not recognize the XXXX charge as fraudulent. I have sent in numerous documents to prove that I did not make those transactions, including confirmations of police reports, proof that I ordered a new driver 's license, proof my XXXX was stolen, and a statement from my XXXX account showing that I exclusively use my XXXX XXXX  there and never my Chase Sapphire card ( and a copy of all XXXX transactions for the month of XXXX from my rewards account ).

Chase has not provided any reasoning as to why they are denying these fraud claims. They have not asked me for any specific proof beyond what I've sent, and have not shed any light as to why they would approve the XXXX charge but not the XXXX charge. I have called them on the phone on numerous occasions in which they assured me they were looking into it, only to receive a letter saying it was 'thoroughly investigated ' without any explanation or description of what those investigations entailed.
Product: Debt collection

RADIUS GLOBAL SOLUTION FOR XXXX XXXX {$450.00} Acct # I never received documentation to settle this dept the first i saw on my XXXX Credit Report... 
I have medical insurance and have been disputing it with XXXX XXXX XXXX XXXX And the doctor; Please Review their tachetics in this matter and remove from my credit report! 
While this matter is in process I did contact them once and got routed all over the place They gave a settlement of {$380.00} When i tried to reach back to them to send me a actually bill could get thru XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to remove this random " XXXX XXXX XXXX '' account off my report. It seems to be a force within the credit bureau where they often have other peoples accounts and information mixed up from time to time with variety of history recorded in court districts and many customers reporting the same issue going on. This account was removed from my report with XXXX based on an error which also should be done a same timely done manner with TransUnion as purposed addressed to be the issue. They need to remove this XXXX  account off the report that'll be a " fair resolution '' hurting peoples credit report is all fun in games when you have children and big responsibilities to take care of especially when it comes to mortgage being rejected cause of this one account, appsolutely.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND REALIZE I WAS A VICTIM OF IDENTITY THEFT. THERE WERE A FEW ACCOUNTS THAT WERE NOT OPEN BY ME.
Product: Credit reporting or other personal consumer reports

I am writing this request to BK OF AMER that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I DO NOT HAVE A SOCIAL SECURITY NUMBER BUT ITIN 95 % OF THE CREDIT REPORT BELONGS TO SOMEONE ELSE NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX SERVICES SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX : XXXX XXXX XXXX XXXX XXXX {$8700.00} XX/XX/XXXX XXXX CARD ************ {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX CARD ************ {$4400.00} XX/XX/XXXX XXXX XXXX XXXX *************** {$2700.00} XX/XX/XXXX XXXX **************** {$2200.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX **************** - XX/XX/XXXX XXXX **************** - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX CARE DISC XXXX ************ - XX/XX/XXXX XXXX XXXX ************ - XX/XX/XXXX XXXX XXXX DC ************ - XX/XX/XXXX XXXX XXXX **************** - XX/XX/XXXX XXXX **************** XXXX XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation listed, they either pay me or delete these accounts ASAP. 

CAINE & WEINER XXXX Account Number 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 have tried to resolve my issues with Continental Finance Company concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
Product: Credit reporting or other personal consumer reports

I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

I have attached my FTC report for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX   XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPT OF ED/XXXX   XXXXXXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please Remove and  block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my XXXX XXXX XXXX  checking account electronically forwarded {$1000.00} to the First Progress to open a secured credit card with Synovus Bank. 

On XX/XX/XXXX First Progress sent me a letter requesting for a bank statement within 15 days. 

I did not send any information then First Progress claimed that it sent my funds back to the XXXX XXXX account. My bank account does not indicate that First Progress never had sent any money to XXXX XXXX or my account does not show any funds returned prior to the account being closed on XX/XX/XXXX. 

I filed a complaint with the XXXX  XXXX  XXXX  and the First Progress stuck to its statements that my money was either returned to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.