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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Security Credit Services (   XXXX   XXXX   ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Mortgage

we closed on our home XX/XX/XXXX. we received a notice in our XX/XX/XXXX mortgage paperwork that our escrow account was short by {$5700.00}. Since we have addressed the issue with our original lender, mortgage company and our current mortgage company we have been given so many different answers, reasons, amounts. Somewhere something does not add up correctly. The notice that we received in our XX/XX/XXXX statement was dated XX/XX/XXXX, which is 2 months past already. We need someone to look into this issue as to why our escorw account is so low and find the underlying problem. My husband and i have been paying what we were suppose, actually even more every month. I think either the original lender did wrong calculations or when the file was bought out thibgs were left out and evry person/company is only pointing fingers. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding significant inaccuracies in my credit reports from the major credit bureaus. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist, adversely affecting my creditworthiness. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. The FCRA also stipulates that disputed information must be investigated and corrected within 30 days. The credit bureaus have not adhered to these legal requirements, failing to correct the erroneous information even after being provided with comprehensive evidence. 

Enclosed with this complaint are the following documents : Copy of My Credit Report : Showing the current inaccurate information.

Highlighted Credit Report : Clearly marking the disputed items. 
Supporting Documents : Including a copy of my ID, Social Security Number ( SSN ), and proof of address that confirm my identity and substantiate my claims. 

These errors have resulted in unjust denials of credit and unfavorable loan terms, causing significant inconvenience and financial distress. A fair resolution to this issue would be to delete these inaccuracies from my credit report. I request the CFPB 's intervention to ensure the credit bureaus comply with federal regulations and correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the next steps in your investigation. 

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

Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

Original Creditor : Exeter Finance LLC Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a Fraction Exeter Finance LLC sold this account to this debt collector. I have asked on different occasions for Exeter to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.
Product: Mortgage

I am a veteran who received a marketing call from my current mortgage company, Freedom Mortgage, who encouraged me to apply for a VA IRRRL. Since the inception of this process communication with the company has been predominately through a Customer Advocate who knows little to nothing about the loan process. The replies to my emails ( when the Customer Advocate decides to reply ) are short and scripted with no explanation as to why it has been almost three months and there has been no action on my IRRRL. I keep getting the run around, and told that the company is working very hard. I received all of the initial promises from the first loan officer about the benefits of the IRRRL and since then nothing has happened. I started the process on XX/XX/2019 and they said we would be able to close in about a month, it is now XX/XX/2019 and I still have no definitive reason why the process has stopped. I contact the Customer Advocate about once every two weeks. The reply is they are working hard If I try to phone the number goes to a recorded line that says to leave a detailed message. This company services my current mortgage, and I am disgusted by the poor customer service and being treated unfairly. I feel as though I have been scammed. The manner in which this company conducts their business is unprofessional, and as a veteran I feel as though I have been treated poorly. Remember, They called me and promised a lot of service and haven't followed through on anything, and now I am concerned about how this company does business.
Product: Credit reporting or other personal consumer reports

XXXX. In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX FIN # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 card or prepaid card

I was hacked on XX/XX/2019. As soon as I caught on what was happening, I shut everything down and contacted all credit cards involved. I filed an IC3 ( FBI ) report by the suggestion of my local law enforcement because they no longer handle internet crimes. Since then I have been fighting with Synchrony/Walmart Bank ever since. They are refusing to take this crime seriously because of how it happened. The hackers were holding my computer hostage until I complied with their demands. They had locked me out of my computer, I was threatened and coerced continually. The hackers sent me an email with a copy of a ( fake ) check stating they were going to pay me back for the purchases. The hackers were identifying themselves as XXXX Tech Support. They had my computer license number and were able to get into my computer where they started charging on some of my cards. So because I was threatened and coerced to go buy these game cards to get my computer back, Synchrony/Walmart is refusing to say this was fraud. I tried disputing the charges and I would get the same answer. They are flat out refusing to take this crime seriously! My Amazon account was hacked also but after months and months, they finally settled the issue because they finally understood the purchases were fraudulent. My Amazon account is also with Synchrony. I have given them everything regarding this issue and they still refuse to settle this. In the meantime I'm being charged late fees and interest. This has impacted my credit score in a negative way. I have all the documents that were sent to them numerous times. I am a XXXX person and I live on a fixed income. I still pay my bills and pay them on time but I don't feel I should have to pay for what the hackers did to me! I did everything I was suppose to do but Synchrony/Walmart is not!
Product: Credit card or prepaid card

CITI bank confirm sit closed my CIT-AA account on XXXX and a COMPLTE freeze of my account. 
but the account was opened multiple times fradultenly XX/XX/XXXX and XX/XX/XXXX -- all got closed latest XXXX another card was issued and i never got it but for charges they call me all are Fraud charges and they are asking me to make minimum payments
Product: Credit card

I applied for a Chase Sapphire Reserve card and got approved. I noticed after that the card had an annual fee of {$450.00}. Shocked by the annual fee I called Chase customer service immediately after getting approved to ask about options for changing the card to one without an annual fee. The agent that helped me walked me through the different cards and explained the features that they offer. She explained that the freedom card offered cash back and that the Slate card offered no interest on purchases and balance transfers. She also explained that both of those cards have no annual fee. based on my needs I asked her to switch me to the Slate card for the on interest on balance transfers and purchases feature. She agreed and changed me to it. 
Some time later I noticed that I did n't get any of the promotions that the slate card has so I called and asked why, after speaking with several reps over several calls the lady at the EO explained that even though I got the card for balance transfers that I did not qualify for the offer because I did a product change to that card. I explained that I did the product change on the exact same day within mi nutes of getting approved and she said that regardless that I would not get the offer. I explained that the rep explained that the slate had the balance transfer features and that that is why I had picked it. she said that " the rep explained that the Slate card offers those features but that she did not say that ( you ) were getting those features ''. I feel that this is very deceptive as I made it clear that I selected that card for the No Interest and balance transfer features. she said that she would not do anything for me and that it was not the reps responability to disclose that.
Product: Debt collection

I have disputed collections for XXXX  cell phone bill a number of times it was taken off my credit report and then put back on. My husband now ex was the one that applied for the phone and then added his line to it as well. I was never aware he used my information to get the phone. What information they have is just a typed up lease which I have found blank ones online so its kind shady. This account does not belong to me it belongs to my ex husband
Product: Checking or savings account

My name is XXXX XXXX, I opened an account with Navy Federal Credit Union in XXXX. I had a personal as well as a business account. I have been making deposits as well as withdrawals in the account since it has been open. Fast forward to XX/XX/XXXX. I was on vacation in XXXX and I was notified that my BUSINESS account was restricted and I wont be able to get the XXXX that's in it until I pay XXXX of personal debt that I " owe " Navy Federal. I was stranded in XXXX, my business is going bankrupt and I have a business partner that is not affiliated with navy federal and is requesting the funds. I contacted navy federal about this several. At first they told me to go to the bank with my ID and I will be able to get the funds out of the business account. I went into the bank and I was told that I cant and will never get access to my business account. I spoke with several representitives in the security department, and they all were rude and keep telling me I cant get funds to my business. I am a separate entity from my business and navy federal is holding my business account hostage. I am a veteran that serves in the United States XXXX and I am very disappointed in the treatment that I am receiving. I am in the process if being evicted, car repo and homeless because of this. All I am asking for is to access my funds that I worked hard for. I NEED HELP PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX wired money to chase bank. It was determined to be a fraudulent transaction XXXX XXXX XXXX tried to have chase return the wire but they did not. Chase never communicated back to XXXX XXXX XXXX. I have all the information including the account numbers that it was sent to. And the bank it was sent to.
Product: Debt collection

my account was frozen, I tried to vacate the judgement but was not able to gather enough information about this account in question or the credit card that was past due. I learned that there was old addresses on file that they had, the firm claimed they sent certified letters to.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/1985 Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVER DOING ANY BUSINESS WITH THESE COMPANIES. 
PLEASE DELETE THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX,