23daVinci/CFPB_Complaints huggingface dataset:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} 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 Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : XXXX. XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.
Product: Credit card

Elan Financial has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was fraudulently used for a cash advance of XXXX plus a XXXX cash advance fee. I very rarely use this card and did not activate the card after receiving it, so I was shocked that there was a charge. As soon as I realized there was fraudulent activity I called Barclays to let them know, that was XX/XX/XXXX. I received a letter dated XX/XX/XXXX that the fraud investigation has been completed and I am not responsible for the activity. In late XXXX I received an alert that I had a payment coming due. I called Barclays again, several times to try and get this resolved on at least XXXX, XX/XX/XXXX, I've been promised calls back, I got one call back on XX/XX/XXXX and was told that I had to speak to another department and they would call me back within 2 business days. This is the 4th business day without a call. I called again today to learn that someone tried to change the pin on my card on XX/XX/XXXX. At the moment the charge is still on my card, my payment is now past due and the card is accruing interest. I've now been told I have to call another department tomorrow during their business hours. This is very frustrating and concerning!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, too whom it may concern, I checked my Transunion credit report and I noticed a lot of fraudulent hard inquiries. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Complaint # XXXX. Please see attached. Transunion has yet to block and remove all the fraudulent hard inquiries from my Transunion credit report, and send me an updated copy of my credit report. It look like someone tried to get an auto loan under my SSN. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED EACH COMPANY ABOVE AND LISTED ON THIS FCT REPORT AND MADE THEM AWARE OF THE SITUATION. PLEASE REMOVE THESE FRAUDULENT HARD INQUIRES FROM MY TRANSUNION CONSUMER REPORT ASAP. THIS IS HURTING MY CREDIT SCORE AND REPUTATION. Also please place a FRAUD ALERT on my credit report.
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my XXXX XXXX. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for GROW XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Debt collection

zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX  and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has screwed up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XXXX, XXXX and XXXX involving this account. The account has never been delinquent, but my score is screwed with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as XXXX points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX. ( XXXX ) Account number : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account number XXXX 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 was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.
Product: Checking or savings account

On XX/XX/XXXX when I try to access my bank account it says my debit card is closed. I contacted chase customer service and they said my account is closed and they never told me the reason why they closed my account. At this time XXXX cant have access to my money because chase will not release my money at all. 
The amount chase holding from me is : {$3600.00} USD
Product: Mortgage

Right path servicing is my mortgage servicer. I had a loan modification approved, signed and finalized with an approved finalized partial claim. I have an FHA mortgage and it was approved and finalized in the beginning of XXXX. We sent back all required documents in time signed notarized check by my HUD Lawyer family member everything was correct, right path servicing confirm that everything was signed finalized and approved. The first payment was made in XXXX as long it was made in XXXX it was OK and the first payment was the start of a new loan modification upon completing that which it was paid on XX/XX/2023 it was Sent out at that time because the loan servicer had a customer computer breach and told me dont send any payments now a month or so later they approved me for a second one after the reversing the original and raise my payment {$500.00} that is them breaching the contract. I need them to honor their contract, I will not sign since one was already finalized. Thank you.
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 {$3100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue  legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Prepaid card

Direct Express ( Comerica Bank ) has denied me the ability to transfer funds, even though I have done so in the past. They limit my spending and will not allow me to close my account. When I sent the required documents for card to bank transfers, they sent me a email with more requirements, different than their website app. I feel like I'm being held hostage. I am a XXXX old veteran, diagnosed with XXXX XXXX. I did not remember the names of the customer service reps., but I did talk to supervisors. I stopped direct deposit activity because of these problems.
Product: Debt collection

This response is a follow up to the previously addressed response from Real Time Resolutions via the CFPB on XXXX   ( see attachment ). I previously asked you to provide verification of this debt that you failed to address completely. Therefore, I am addressing this issue yet again. Please send me the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including : a copy of the last billing statement from the original creditor a detailed explanation of any interest added or payments made since the last billing statement the legal authorization for this interest, the date the original creditor claims this debt became delinquent the purchase agreement from your company and the original creditor. The original contract from the creditor with my wet ink signature Please also note whether this debt is within the statute of limitations and how that was determined. Per the FDCPA, and FCRA laws, you must provide this information in its entirety to me in 30 days. In addition, I received an email from Real Time Resolutions today and I am requesting all communication to be ceased except for written correspondence to be sent to me via the mail.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Dispute Status for Accounts To Whom It May Concern, I am writing to formally request the immediate removal of the disputed status associated with my accounts listed below. The bank mistakenly flagged these accounts as fraudulent, which is not accurate. I intend to question the validity of the late payment record, not to dispute the accounts themselves. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I contacted XXXX again after multiple times about not providing the description on how their investigation was conducted on multiple violations as required by the FCRA : They no longer own this account as it was transferred to a 3rd party. Therefore, they can not have a balance. 

They still have not complied within the legal time allowed and refused to provide the investigative methods used. 

They are in violation of multiple FCRA violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX TRANSUNION : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told XXXX, XXXX and Equifax to reinvestigate these 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 All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( XXXX, Equifax and XXXX ) are not in compliance with Metro 2 standards, the standards that they themselves created!
Product: Money transfer, virtual currency, or money service

I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.
Product: Checking or savings account

I have a checking account with Chime Bank. A few days ago, I logged into my account and noticed a XXXX balance. I looked at the transactions and saw that they took all my money, {$1500.00}, on XX/XX/XXXX, marked it as an adjustment, and closed my account on XX/XX/XXXX. The bank has a policy to close a customer account if you are inactive for XXXX months. The last time I logged in to my checking account was XX/XX/XXXX. So basically, XXXX months after I logged in to my account, they closed my account and kept my money. I tried to contact them over XXXX times, and every time they told me a different story, the last representative I spoke to said they would not return my money without providing me any reasons. I need help to get my money back. They dont explain what happened and why they closed my account. I did not get any email or letter from the bank telling me they would close my account. 
This is a real steal, XXXX cant believe the bank could do that. I tried to send them a message through XXXX and they immediately.blocked me. When I called the bank over the phone and no one could explain why it says adjustment under that transaction everyone was guessing what it XXXX be. Please help me to get my money back. 
Thank you very much