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

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance - ; XXXX XXXX BANK XXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We wire transferred XX/XX/XXXX from XXXX XXXX CA, and we were set to receive the money on XX/XX/XXXX. from XXXX XXXX. On XX/XX/XXXX th we called XXXX XXXX XXXX  XXXX whether they received the money, they said no and told us to ask for the XXXX XXXX XXXX XXXX so they could trace the money, so we went to the bank my son and I XXXX morning, and talk to one of the bank managers XXXX we told her we need to get the XXXX XXXX and trace where the money is, she said she will let us know .. Monday XXXX call XXXX XXXX XXXX she said the money is with the beneficiary account witch is wrong my bank in XXXX XXXX said money is not there and asking XXXX from the mechanic 's bank which they are is not providing .deadline is XX/XX/XXXX we still don't have the money. and I went to see XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX  They have no clue where the money is. I think the bank is making money out of my money. I need your vigorous action to solve this problem and bring legal action to compensate for my financial lost
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, US SM BUS ADMIN ODA. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Product: Credit reporting

There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, XX/XX/2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Product: Mortgage

My home at XXXX XXXX XXXX. 
XXXX XXXX Ca XXXX Was foreclosed in XX/XX/XXXX after being denied modification-Although, XXXX XX/XX/XXXXapproved my modification.

I believe I was wrongfully denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX ( Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!
Product: Student loan

Over the course almost two years I have tried to have the incorrect and misreported information listed on my credit report as confirmed from XXXX removed from my credit reports with XXXX, XXXX & XXXX I have sent over 10 disputes to each reporting agency along with the CFPB and XXXX XXXX XXXX to have these items removed. 

1. The XXXX accounts listed # XXXX on my reports from XXXX XXXX have been reporting a dated of first delinquency of XX/XX/XXXX which is wrong the date of first delinquency. they should be reported as XX/XX/XXXX or XX/XX/XXXX which has aged my removal date by 3 to 4 years which is in violation of FCRA Section 605 2. The accounts also show a pay status of Account 120 past due which is not correct as the accounts should only show a pay status of transferred. 


3. There are remarks reporting on my report account closed due to transfer if the accounts were transferred to the XXXX XXXX XXXX on XX/XX/XXXX or before. How is are accounts that were not being serviced by XXXX XXXX XXXX reporting late payment dates from XX/XX/XXXX to XX/XX/XXXX this information is being reported on seven accounts. And should be removed ASAP 4.  XXXX, XXXX and XXXX all have reported that the information has been confirmed by XXXX XXXX XXXX on more than occasion. 

5. Also XXXX XXXX has also stated that the correct information has been provided to XXXX, XXXX, & XXXX. 

6. Presently I have no idea if the credit reporting agencies have been in contact with XXXX XXXX or XXXX XXXX been in contact with the reporting agencies.
Product: Money transfer, virtual currency, or money service

I submitted a Wire through Chase Online bank on XX/XX/XXXX. The wire completed same day according to Chase mobile app. I submitted a second wire on XX/XX/XXXX and that wire was was received and credited to the recipient account. I have waited for the XX/XX/XXXX wire to arrive and through multiple calls throughout multiple days I get the run around that the wire is completed. Both wires were sent to the same exact address using the same wire template. I had previously submitted wires to the same recipient with no delay or issues. I needed that money today and no one is helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts and inquiries appearing on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof, including my signature or electronic signature, to substantiate their legitimacy.

This letter is submitted personally and not through a third party, so I urge you to review it carefully. I never authorized these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of information resulting from fraud or a data breach, and Section 604 [ 15 U.S.C. 1681b ], concerning the permissible purposes of consumer reports.

I have already contacted the companies involved and found that these actions were taken without proper validation or original proof. Since I did not authorize these accounts or inquiries, they are inaccurate and must be removed as they stem from a data breach or the unauthorized reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit card or prepaid card

Milestone credit card statement was sent to me and charge me. I did not apply for this. 
I don't know how to dispute this and erase it from from my credit history.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE FRAUDULENT NAMES ADDRESSES I UPLOADED MY CORRECT INFORMATION
Product: Prepaid card

XXXX XXXX cards from XXXX I purchased XXXX visa prepaid cards in XXXX of XXXX XXXX XXXX, worth {$500.00}. When I tried to use them, they were found to be worth {$0.00}. The cards were compromised before the purchase / activation. I provided all the proofs to the company, showing unauthorized transactions from other states. Checking on the internet, multiple people had this issue with these types of cards but they are still being sold in the market. Below is XXXX of my correspondence with the company. 
-- - I am reaching out to understand the next steps for XXXX giftcards that I purchased and were found to be fully drained out with unauthorized transactions. I opened the case with mybalancenow.com for all three cards and provided the documents that were asked. Case numbers from mybalancenow.com are as below XXXX : for {$200.00} with card number : XXXX XXXX XXXX XXXX XXXX for {$200.00} with card number : XXXX XXXX XXXX XXXX XXXX for {$100.00} with card number : XXXX XXXX XXXX XXXX All three cases were declined
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Equifax, XXXX notified the public of a massive data breach, in which they have informed me that my personal data may have been compromised. As XXXX XXXX XXXX have a duty to maintain the privacy and security of the data they hold, they have failed in this duty. I have placed holds on all of my credit reports to prevent identity theft, but that may not prevent all detrimental actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, XXXX, Equifax, and XXXX regarding account XXXX XXXX XXXX Account Number XXXX. And to XXXX again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from XXXX with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from XXXX that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from Equifax, they couldn't even be bothered to respond. 

I just pulled another copy of my credit reports and it is still showing these inaccuracies. 

15 U.S.C. q681s-2 ( A ) ( * ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.
Product: Debt collection

Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.
Product: Debt collection

The companies involved are : XXXX XXXX XXXX XXXX and its servicing company Loan Care ( LC ) In the spring of 2019, there was a change in servicing companies from XXXX XXXX to LC. 
The transition of business between the two service companies obviously did not go very smoothly regarding customer 's account information & payments. Soon after the transition we were notified that we were in default of one month 's payment in the amount of {$840.00} We were never found to be in default of any payments. During the recent closing of the sale of the property, LC sent a payoff statement to the title co. which, had this disputed payment hidden in the 'principal balance ' as a lump sum ( see attached ) that was not broken down and not transparent. 
It was later learned that this mortgage payment and another bogus expense ( a {$4000.00} fake home insurance ) was also bundled in their payoff statement. This was obviously done intentionally to take advantage of the fast timelines and pressures of a closing. When this was discovered post closing, we submitted a complaint for both bogus expenses of which only the fake home insurance was refunded. 
We were assured the disputed mortgage amount would be refunded if we obtained a specific verification document called a ' transmittal ' statement ( see attached ) from XXXX XXXX validating the payment. When this was submitted to LC, they quickly changed the rules and did not accept this and, added that now it's our responsibility to do the leg work to discover what XXXX XXXX did with the money?? ( see attached response from LC ) It is not our responsibility to be LC 's detective & collection service and, is absolutely ludicrous. This level of flagrant behavior validates they feel accountable to NO one! 
At this point, no one is disputing that we had made the disputed payment in 2019. Now that they have stolen our money and have it in their possession, the case was closed ( without notifying us or providing a written final decision ) and, they refuse to discuss this matter any further. The impropriety of their handling this whole issue is unconscionable. This is consistent with their ignoring a previous CFPB complaint ( ID XXXX dated XXXX ) on this same payment issue. They have proven total disregard for any authority.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX , I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX XXXX  - XX/XX/year> - Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX XXXXXXXX XXXX XX/XX/year> - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX  IN XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX reported me to a collection agency, Account Corp of Southern Nevada who reported me to the credit bureau for a debt that I don't owe. I contacted Account Corp on XX/XX/22 and was told that I owe for unpaid co-pays and a {$40.00} no show appointment fee totaling {$150.00}. I explained to the representative that I always paid my co-pay because XXXX XXXX office would not provide service before collecting a {$25.00} co-pay and that If I missed an appointment ( which I am not aware ) I was not informed that I owed a missed appointment fee. The representative at Account Corp informed me that they received the debt of {$150.00} and I am being charged an additional {$160.00} in collection fees and interest. The amount that appears on my credit file is for {$370.00} a different amount than what she told me I am being charged for. 


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Product: Debt collection

XX/XX/year> at XXXX XXXX  an agent of midland credit called demanding to speak to my XXXX old son. I asked why they wanted to speak to my son the woman on the line repeatedly stated it was a personal buisness matter I told her what business matter does an adult have with a XXXX? I refused for her to speak to my son then stated hes in XXXXXXXX XXXX XXXX does it sound for her to demand to speak to a XXXX  when XXXX XXXX XXXX XXXX  at this hour. I said she would not be speaking to my son as he is a XXXX  and she can speak to me during the conversation she realized she called me regarding his father XXXX XXXX ( both have the same name ) then demanded I have him pay them and call them. I asked how she got my number and not to call me they need to figure that out because Im not XXXX XXXX and they should not be calling regarding another persons debt. Midland states they have these safe guards but XXXX theyve given information without confirmation of who the person they were speaking to was! I want a copy of that recording