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

Your Name : XXXX XXXX Date : XXXX XXXX Description of the Identity Theft Incident : I am a victim of identity theft, which I believe is connected to a recent data breach involving Equifax XXXX XXXX XXXX. The breach occurred on or around XX/XX/year> during which my personal information was exposed. 

As a result, my personal informationincluding [ list the compromised information, e.g., Social Security Number, financial account details, drivers license number, etc. ] has been misused without my consent. 

Details of the Fraudulent Activity : On XXXX discovered nearly XXXX account opened and misused without my knowledge. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have taken the following steps to address the identity theft : 1. Contacted creditors, banks, or agencies to report and dispute the fraudulent activity.

2. Placed fraud alerts and/or credit freezes with Equifax, XXXX, and XXXX. 

Impact on Me : This identity theft has caused financial loss, damage to my credit score, and emotional distress. I have spent significant time addressing these fraudulent activities and ensuring my information is protected.

Requested Actions : I request that the FTC assist in investigating this matter, providing resources to further safeguard my identity, and ensuring the fraudulent activities are removed from my record. 

Please feel free to contact me at XXXX or XXXX if you need further details or supporting documentation. 

Signature : XXXX XXXX Once completed, this statement will provide a clear summary of your situation for the FTC. Be sure to include any supporting documents or evidence when filing your report.
Product: Mortgage

On XX/XX/2023 I wrote a QWR to the Servicer at Midland mortgage requesting an answer regarding the House Joint Resolution 192 and the Emergency Banking act. 

If I am a natural woman without the ability to pay with gold and silver in accordance with Article 1 Section 10 of the constitution. 

And Midland Mortgage fraudulently received payment via a signed promissory note where they have collected from the TRUST for XXXX XXXX XXXX, why do they continue to request payment via Federal Reserve Note.
Product: Debt collection

XXXX XXXX and JTM called numerous times on a account for desert school banks stating I needed to pay debt. I explained over and over, I wasn't aware of this debt not receiving information from a closed account in XXXX. But I decided to pay after 20 calls or more in XXXX. The gentleman said he would provide me with a letter and never did. Well 2 weeks ago desert financial informed me the debt was never paid. When I paid the full, this company contacted me saying they no longer have access to those records and I would have to go through bank records from 3 years ago. Its fraud not to report to the bank or to my credit score. And secondly theft from this company to steal my monies.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that addresses and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and Experian. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. XXXX XXXX XXXX  has a fraudulent auto loan reporting to my consumer credit report. They provided me with the original loan contract which has invalid information on it that's not mine, the address on the contract is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature. XXXX XXXX XXXX  is refusing to remove the account in question based on a loan contract with fraudulent information attached. This would be my XXXX  time contacting them regarding this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Charge Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION
Product: Credit reporting or other personal consumer reports

Ive paid capital one account settlement offer XXXX  XXXX they processed the payment on XX/XX/XXXX of 2024 but they are still reporting to my credit that Im charged off for XXXX!! Im tried calling numerous times and never get an answer! I want this and all the negative remarks deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, EXPERIAN, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX and 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 accounts 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 this 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: Checking or savings account

Since around XXXX in late XX/XX/XXXX, Chase Bank locked my account and then forcibly closed it on XXXX without providing any explanation for the closure. The first customer service representative I contacted informed me that it would take approximately 15 to 30 business days after the closure for the balance in my account to be sent to my address in the form of a check. However, it is now XX/XX/XXXX, and I still haven't received the check. In the meantime, I have reached out to Chase Bank for resolution over 20 times, but each time I'm told that the check is under investigation, and they refuse to help me get in touch with their legal team responsible for the investigation. Every customer service representative simply replies with, " It's under investigation, and we don't have the authority to contact the legal team. You just have to wait for them to release the check. '' Such responses have left me increasingly desperate during the communication process with Chase, and I believe they have no intention of refunding the balance in my account. The total balance in the account at the time of closure was {$5900.00} ( please find the checking summary in the attachment ), mostly from my payroll and some from transfers between friends for dining and entertainment. While this amount might be insignificant to Chase, it is crucial for me as an XXXX XXXX XXXX who may return to my home country within two years. I continue to rely on this money to support my life within the United States. Chase 's refusal to provide service, forced closure of accounts, and inhumane behavior stand in stark contrast to the notion of " freedom '' in the United States. Therefore, I appeal to promptly retrieve the money rightfully belonging to me from my account and condemn Chase 's unjust and unrestricted withholding of private deposits!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian completed the dispute investigation and falsely stated that XXXX XXXX XXXX XXXX account was verified and updated but on my credit report the dispute with XXXX XXXX XXXX XXXX is still in dispute status and the investigation has not been completed yet. Experian refuses to remove XXXX XXXX XXXX XXXX from my credit report and is falsely reporting that the account is verified and updated when the account is currently still under dispute.
Product: Debt collection

I contacted this company about this debt. I wrote them a certified letter wanting them to verify the debt. I asked for name, address, ssn, and the the sighed hippa form with my signature in XXXX. I have not gotten any repose from them. So i went on all 3 credit bureaus and desputed this account. This company is in volition of the fair debt reporting act. 1 credit bureau has removed. The othe 2 have not. This company should be fined for doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all XXXX credit bureaus trying to get negative inquiries removed, and all XXXX were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. 
Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was Experian that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I received a call from a woman stating she was with XXXX XXXX XXXX  to notify me that they believed someone set-up a fraudulent checking account in my name. She noted that there were XXXX transactions including the deposit of a stolen check and XXXX XXXX transfers. She provided a XXXX XXXX and XXXX cancellation codes. She instructed me to call telephone # ( XXXX ) XXXX for XXXX XXXX. She indicated that XXXX would walk me through an authentification process to secure my account. 

I called the number and a man told me to initiate a transaction via XXXX and enter the case number and cancellation code. The telephone numbers he asked me to enter were XXXX and XXXX. The amount of the transaction was {$490.00}. 

Additionally he said that XXXX XXXX also had to be secured to the link to my chase account and a supplemental transaction of {$1400.00} was made. 

It did not XXXX on me that this was fraud until he tried to have me send another transaction via XXXX XXXX XXXX XXXX. 

I immediately called Chase. This was likely within an hour of the transactions being placed. They said they would open a Fraud incident but that there was nothing they could do to recover the money. I also went in person to a branch the following day. I was given a number of the Chase Fraud Dept and they again said there was nothing they could do to stop the payment that was still in PENDING state. 

I also contacted XXXX XXXX on XX/XX/XXXX within a short time after the transactions and they said they could not help either. 

Neither Chase or XXXX XXXX could do anything to stop Pending transactions which I was telling them was the result of a scam and no services rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report for fraudulent accounts opened and reported under my name. Experian still refuses to remove those accounts from my name, despite that they knew the accounts were opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXXXXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " EQUIFAX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )
Product: Credit card

Comidity Bank is storing my financial and banking information without my authorization and or approval. I asked that they remove my financial I formation and they refused.
Product: Prepaid card

Bank if america issued me a debit card for my XXXX benefits to be deposited to several times I was locked out if my account and unable to use the money I had. a settlement check was issues to me but was sent to my old address and returned to the bank. I called them to try to change my address so it could be resent but I don't have the same email or a phone in my name for them to send a code to so they couldn't verify my identity or change my address they told me to go into a branch but I now live in XXXX and there are no branches here so they basically told me oh well. 
my ss # XXXX dob XX/XX/1986 address on file with bofa should be XXXX XXXX XXXX XXXXXXXX ca
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, as it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 
XXXX Account # XXXX ( {$2200.00} ) : XXXX  Account # XXXX ( {$16000.00} ) : XXXX XXXX XXXX Account # XXXX : ( {$1000.00} ) XXXX  XXXX  Account # XXXX : ( {$31000.00} ) Also, these agencies are not authorized to operate in Texas. My legal residence is Texas per my TDL that was provided. Also providing my state issued ID Equifax stated the never had legal id form me which inaccurate.