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

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach, Credit Acceptance on XX/XX/XXXX under the account number ( XXXX ), an inquiry for XXXX XXXX XXXX on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX, an inquiry for XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX XX/XX/XXXX XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XX/XX/XXXX, Transunion, and XX/XX/XXXX To which XXXX XX/XX/XXXXXXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized and unverified inquiries on my credit report according to the FCRA these inquiries are unauthorized and unverified I would like them to be removed from my credit report.
Product: Mortgage

We have recently completed a modification to our existing mortgage, for which we received a copy of the executed and notarized on XX/XX/XXXX. 
We called the single point of contact assigned to us multiple times to get the final executed copy of the modification, and since then have called multiple times to get our questions about details of our payment and fees, to little result. 
Even after we got the modification the timely payments sent have not been posted to the account. 
In addition we mailed a letter to the mortgage service company 's Qualified Written Response department on XX/XX/XXXX which has only been acknowledged, but not answered. 
We called on XX/XX/XXXX to our single point of contact and left another voicemail, and then called the main customer service line. 
The agent we spoke with reviewed our concerns and promised to send an email to our single point of contact 's supervisor, and told us to expect a phone call before the end of the day from that supervisor. 
It is now 72 hours and we still have not had any call. 
While it appears that one of our payments was finally posted, and our account brought up to date from 50+ days in arrears to 24 days in arrears this is not enough. 
We need all our payments to be applied in a timely fashion, we need our concerns in our letter to the Qualified Written Response to be answered, and we need our voicemails answered in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/202XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XX/XX/2023
Product: Checking or savings account

I have been mistaken with Bank of America, scammers deposited fraudulent checks and then it cause my account to be negative even when I had a chase account and people deposited a check then they reported it on my account which cause my account to be negative, I never done anything to suspend my accounts the only money I put in is from my job and my money, now this is causing me a lot of trouble XXXX cant open any debit or checking accounts and I need one for my job and to save money for a car, please respond as soon as possible I need this issue fixed
Product: Money transfer, virtual currency, or money service

my cash app account was hacked and someone bought {$1000.00} dollars in bitcoin and thats was my rent money. i am homeless now. i have emails about my account being compromised and they said theyu would reimburse my account and this is all cash app support emails
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Experian, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX   ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX  Acct XXXX ( Experian, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Experian ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX   Acct XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 stating " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXELF/LEAD BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' SELF/LEAD BANK the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and SELF/LEAD BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SELF/LEAD BANK never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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, AZ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX Equifax and XXXX  still shows an outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX advertises pre-approval which will not affect your credit score, but when I filled out their pre-approval application, they initially said I was pre approved for {$3800.00}, then, without further input from me, ran a hard credit check with Transunion which I did not authorize. They are straight up lying to consumers saying the pre-approval process will not affect their credit score when in fact, it lowers the consumers credit score. I contacted XXXX and they had no explanation for this and said they would note it, but this does not fix anything. They have to stop conducting business dishonestly and restore my credit report to the state it was in before they jacked me.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and I noticed a few errors being reported on my report. I would like you to Please review my report throughly so you can see all the inaccuracies being reported. 
Accounts in question are below. 

Account Name : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Account Name : XXXX XXXX Account XXXX Please investigate i every piece of information is correct. if not, please remove i from my credit Account XXXX : XXXX Account Number. XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name XXXX XXXX Account Number XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was deleted from my Transunion report and it was put back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Those are all on XXXX. 

And On Transunion is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 a payment deducted from my bank account for {$860.00}, which was the f balance owed on my Barclays Old Navyist card. I called to have the payment returned to my account as I was only trying to pay {$86.00}, the minimum payment. 

My bank declined the first transaction and Barclays assured me they had returned the payment. The payment was returned however in the course the {$860.00} being returned, a day later Barclays made a second attempt and still ended up collecting the {$860.00} from my bank account. 

I went back and forth with the company to try and explain the amount was not in my bank and sent them verification from my bank. After not getting anywhere with XXXX 's I submitted a dispute with my bank and the amount of was returned. 

However, in the course of this, Barclays is now showing my account balance of {$1800.00}. Of which I have not spend. My original credit limit was for {$900.00} and was dropped to {$250.00}. I have not spent this amount on the card. 

I called Barclay 's again in XX/XX/2023 to dispute this and they have yet to resolve the issue. 

It appears they have charged my account for the returned payment and stated it was purchases, which is not true. It has now begun to affect my credit. 

The statements attached in XXXX show no purchases. The XXXX statement shows a purchase for {$860.00} with the caption of unknown authorized user. No purchases and no explanation has been given by them nor are they willing to look into my complaint.
Product: Credit reporting 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 COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Greenpath Financial to make monthly payments to all my ceditors and in XXXX of 2017 I was sent a notice form XXXX XXXX that I was late 30 days. I called Greenpath and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To Greenpath each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
Product: Checking or savings account

On XX/XX/2023 Bank of America closed my Corporate bank XXXX XXXX XXXX  ) for a still unknown reason. It is now XX/XX/2023 and BoA has still not giving me a date that they will release my funds. Every day I call BoA Risk department and they extend the closure date by a day or two. In this time some of my clients have accidentally continued to transfer funds into my Corporate account and instead of closing the account in a timely manner they continued to draw out the process and my clients are not recalling their wires because the Bank will not release their funds to me. This is criminal and as caused me to start to be late on payroll, taxes and my personal mortgage. I need a resolution and I dont know where to turn for help as BoA Corporate is no help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I put XXXX, XXXX XXXX XXXX Equifax on notice that someone had attempted to use my information to obtain different lines of credit. I also filed a FTC report along with a police report. I called into each credit Also on Tuesday XX/XX/XXXX, spoke with different agents about the matter. Equifax and XXXX XXXX both confirm that that they received my complaints and proceed to delete that Hard inquiries from my credit report.Today I checked my XXXX XXXX Account and to my surprised I noticed that they in fact deleted the inquiries but then some how placed them right back on my credit report I have attached screen shots of what I see on my end.Im attaching the list of hard inquiries that do not belong to me to knowledge and after calling the creditors making sure I do not have any open accounts with these companies. 


now Im am contacting your company to have to you promptly fix this matter is low horrible to anyone else that might decide to business with that credit has been ran so much and I can deeply about my credit and the business I do with creditors that I do have. I my credit report reflects that much. 


Heres the list of the inquiries that were added back on I'm assuming by mistake to the computer system. 

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

XXXX is in dishonor at this point, reporting false information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



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

I recently reviewed my credit report and found fraudulent accounts and information. 
XX/XX/scrub>XXXX 
Please remove all fraudulent accounts and information from my credit report.
Product: Credit card or prepaid card

Was categorically told by the customer service representatives that as long as there were six months of on-time credit card payments, the XXXXXXXX XXXX XXXX Credit Limit would be increased by {$300.00}. All conversations are recorded by the credit card company. 
I am adamantly clear that had I not been told about the increase, I would not have asked for the {$300.00} limit increase. The company 's response in previous complaint fails to acknowledge my conversation with the representatives.
Product: Debt collection

Subject : Formal Complaint Regarding Inaccurate Credit Reporting by LVNV Funding Dear CFPB, I XXXX XXXX am submitting this complaint concerning an account with XXXX XXXXXXXX that was settled in full through a pay-to-delete agreement. Despite this settlement, LVNV Funding has acquired the account and continues to report it on her credit reports. This inaccurate reporting has resulted in multiple denials

for credit and loans, causing financial harm and emotional distress. The continued reporting by LVNV Funding violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting be accurate and verifiable. Since the a
ccount was resolved under the terms of a settlement, and a pay-to-delete agreement was in place, any further reporting is unjustified. Attached you can find copies of both accounts. One that says paid off in settlement and the other that shows an active collection. My credit score has dropped because of this matter. If LVNV purchased a debt that was paid in full to collect on, it is not the fault of the customer yet the fault or miscommunication of the Credit card company who sold the cancelled debt to them. 
I request the CFPBs assistance in investigating this matter and ensuring that both the original XXXX XXXX account and the LVNV Funding account are permanently deleted from all credit reporting agencies. 
Please provide updates on the status of this complaint and confirm once the issue has been resolved. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The direct deposit of my paycheck was supposed to be in my account on Thursday XX/XX/year>. It is now XX/XX/year> and I still don't have access to my money.