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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 card

XX/XX/ i electronically messaged navy federal regarding my account, they are constantly billing me to cover charges that they are supposed to be covering, as defined by 12 CFR 1002.2, i am a federally protected consumer. I am aware that there has been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding they probide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to my account, prove that i am not the borrower on my account and that when balance is in a positive balance that is credits to my account and not a debt, anything that is a debt will be in the negative balance. I have also mailed them a certified and notarized billing error notice
Product: Debt collection

In XXXX XXXXXXXX acquired Bank of the West, who was the originator of the loan for my XXXX 

In XXXX, I received a letter from the BMO collections department threatening action for delinquent payments. 

On the XXXX of XXXXXXXX XXXX I spent all morning talking to various BMO representatives and explained to them that I had never missed a payment on this loan, and in fact had always deliberately overpaid each month, so in fact I was overpaid. 

I also explained to them that their app shows that I am current and my next payment was not due for another month. 

Details : XXXX, began chat with XXXX, then was transfered to XXXX, who promised that her manager XXXX, would contact me. I was placed on a long hold, and then was told XXXX was having technical issues and would have to get back to me later. ( To this date, XXXX has never contacted me, nor anyone else from BMO ) I explained to XXXX that BMO has obviously lost payments during their acquisition of Bank Of The West, and she acknowledged that yes, many customers are having this problem. 

BMO opened a payment investigation ticket # XXXX, to resolve this error. 

I then asked to be transferred to IT support to report the bug in their app that is showing that I was not delinquent, and my payment was not due for another month. 

Ar XXXX, I was connected to XXXX, then transferred to XXXX who opened support ticket # XXXX to research the bug. 

During my first phone call, I emphasized to XXXX that BMO would face consequences if they impacted my credit report, and she literally said not to worry about that, that will not happen. 

Anyway on XXXXXXXX  BMO did file a negative report with the credit unions, and I am writing to understand my options. 

Afraid that this would happen, I had deliberately paid the payments BMO reported delinquent, and will prove to the bank at the end of the loan that fact. 

Now, 2 months later, I have not had any communication from BMO regarding this issue.
Product: Debt collection

This company tried to scam me to pay them and will not tell what it is for and i have been in hurricane ( Natural Disaster ) all my info was displace and my ID was used and i had many of company on my report all have been removed this XXXX company keep showing on my credit reports for XXXX The name scamming company is Zion Debt Holdings. i really need help and them removed from my report. they keep calling trying to get me to pay percentage to have it remove off my credit profile it is like this company has me hostage. They are hurting credit profile to allow me to recover from all my hardships.. i do not know these people and know body ever told me what product are business i ever did with them. can not truly fight because i do not even know why i owe them. this all start from displacement identity thieved. I was displaced in 2021 from XXXX XXXX this company is a scammers or bought identity thieved bad account and keep hold me accountable. ZION DEB.T HOLDINGS ARE SCAMMING PEOPLE
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several fraudulent accounts, collections, and inquiries have been added to my TransUnion credit report without my authorization. Attached is my Identity Theft Report from the FTC, which serves as evidence of this fraudulent activity. The following accounts, collections, and inquiries are not mine and were added due to identity theft : Fraudulent Accounts and Collections 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

THis Credit card from a place called XXXX XXXX bank pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company XXXX XXXX is not willing to do anyting about the fact they messed up and wont fix there XXXX up now i dont have their card never did never applied for their card and i never would.
Product: Debt collection

ARS was asked to validate each account on attached documents. I am not aware of their client nor the debt they claim to be mine.After making four attempts for debt to be validated, ARS continues to send me a template with account numbers and services I am not aware of. I need proof of validation, I have rights. The accounts are damaging my credit and I need all accounts DELETED.
Product: Debt collection

I have written many letters to LVNV to dispute this account that LVNV is reporting on my credit. I am not familiar with this accounts. I asked LVNV to verify this debt for me. They have yet to do so. I am at my wits end. they need to verify these accounts or delete them from my credit.
Product: Debt collection

I have been dealing with this erroneous item for the last 6 months. I feel like Im on a hamster wheel going around in circles. This item does not belong to me, I have asked for it to be verified and validated and as of today over 6 months later there has been no answer. I demand per 15 usc 1692 all reported items must be proven accurate. This is a violation of my rights.
Product: Consumer Loan

CIG Financial is constantly calling and harassing people who I used as references for an auto loan, looking for me after I have already told them to stop calling. People are calling/texting me angry and upset because they are saying a collection agency is calling looking for me and they do not want anybody calling their phones to speak to me. This has happened more than once on numerous occasions. CIG Financial will not stop the harassment and they are causing conflict! According to XXXX XXXX, she notated my account for no references to be called, yet this has not happened. CIG is constantly violating my rights and breaking the law.
Product: Debt collection

On XX/XX/year> Credence Resource management contacted my sister falsely posing as a server processor, and threatened they would have to contact more family members if I did not respond to them. They misrepresented themselves as XXXX XXXX XXXX in XXXX XXXX. They also report that you actually have to pay them a fee in order to dispute their debt claim, which I believe may be illegal. I have requested Credence Resource Management cease and desist all communications with me and my family.
Product: Money transfers

My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2020 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Hard Inquiries on my TransUnion Report I did not request or Authorize.

XXXX XXXX - XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX- XX/XX/XXXX/XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX- Also one on XX/XX/XXXX that I did Authorize XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received XXXX credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of XXXX other individuals who share my name but possess different social security numbers. 

Despite my earnest attempts to rectify this situation, XXXX, XXXX, and Equifax have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. 

The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter.

I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : 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 . Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts.

It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner.

While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer.

I implore the Consumer Financial Protection Bureau to intervene and compel XXXX XXXX and Equifax to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as e-oscar or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me.

Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX is older than I am. I was born in XXXX this account shows open in XXXX according to XXXX XXXX. No open date disclosed according to Equifax. Not that any of the receding information is necessary but still in all provided more valid reason for deletion. The phone number for alleged account is a non working number. The account history contradicts itself. It shows 100 % on time payments while simultaneously stating 90 days late 16 months consecutively. I am requesting that this account be deleted immediately from my report it is obviously not mines. If not I will take legal action.
Product: Checking or savings account

XX/XX/2022 - Received final paycheck of {$910.00} from my employer and deposited to Discover checking account. 

Check rejected at end of day. 

XX/XX/2022 - Contacted work for check reprint. 

Discover freezes my account for suspicious activity. Upon calling Discover I am informed they are closing my account for business reasons and refuse to elaborate further. Would not be told how I could recover my funds of over {$700.00} in account. Asked to speak with supervisor, told I must wait 24-48 hours. 

It is now XX/XX/XXXX without any further communication from Discover and they will not allow me to retrieve my funds. My work check was reprinted and approved by another bank the day after Discover closes my account.
Product: Money transfer, virtual currency, or money service

In light of the recent CFPB lawsuit against Zelle, I wanted to express my own concerns with this application. I am a frequent user of the app because of the 0 % fees when sending money to other users. However, Ive had issues in the past where my money doesnt get reimbursed despite sending it to the wrong contact. I am deeply concerned after finding out about CFPBs lawsuit because it shows that this is a widespread issue that needs to be targeted in order to protect consumer safety. We use these applications and businesses almost every day, and without their users, they would be nothing. Its important for myself, and everyone else involved, to feel like their money isnt being toyed with.
Product: Student loan

Applied for XXXX on XX/XX/2022 Received notice from Fedloans on XX/XX/2022 that my LOANS ARE BEING TRANSFERRED for XXXX XXXX XXXX XXXX XXXX with XXXX on XXXX and XXXX just to be sure I had everything right. Was told all was good and to just wait patiently. I was to do nothing further. NOTHING Was then told on XX/XX/2022 That I was supposed to initiate the transfer since some of my loans were private and needed consolidation. Basically tough luck you missed the deadline. 
I have well over XXXX payments and have been working in The public service field for XXXX years. 

I am sickened that the professionals that I called for help gave me false information, which in turn caused me to miss out on this opportunity.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent activity that is hurting my ability to obtain fair credit
Product: Mortgage

On XX/XX/2021, I applied for a cash-out or HELOC loan with Quicken Loans. 

On XX/XX/2021, I followed up with them to get a decision. Their agent told me that I qualified for what I was seeking XXXX $ XXXX for repairs and renovation mainly ) based on my credit, income, and longevity with the company. I told them to begin the process.

It was midway through this that I was suddenly informed that I have to completely refinance my mortgage into a much higher cost FHA loan. I currently have a Conventional loan. I explained that at no time was this disclosed and that I was not interested in a refinance, only to tap my home equity.

This is blatant bait-and-switch that borders on, and perhaps actually is, fraudulent and deceptive business.

I immediately halted the process and chose not to proceed any further.
Product: Credit reporting or other personal consumer reports

Im really disheartened to find unauthorized inquiries on my credit report tonight. I usually check it without any issues, but this time, discrepancies have appeared out of the blue. I even tried refreshing the page, hoping it was a glitch, but nothing changed. Im requesting a thorough review of the documents Ive provided so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$410000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Verification - Request for Method of Verification Account : XXXX XXXX XXXX # XXXX I have attached your dispute results from the prcious dispute that does not include the Method of verification. This is unacceptable and a clear violation I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. I initially filed a dispute regarding this account, and according to the investigation results, the item was verified as belonging to me, with certain information updated. 

However, I have not received the " method of verification '' that I explicitly requested when launching my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the investigation. 

As per your records, this account was updated on XX/XX/2024 with a balance of {$22000.00} and a pay status of " XXXX XXXX. '' While I dispute the accuracy of this account, I am particularly concerned about the lack of transparency regarding the verification process. 

Please provide me with the following information : A detailed description of the method used to verify the accuracy of this account. 
The name, address, and contact information of the entity that provided the verified information. 
Any documentation that was used to substantiate the verification. 
Given the significance of this matter, I request that this information be provided to me within XXXX days, as stipulated by the FCRA. If you can not provide this information, I respectfully request that the disputed account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a Consumer complaint XX/XX/2023 in regards to an account that is reporting XXXX separate times on my credit report with different information of each of the reports. I submitted documentation proving my points. 
The account in reference is the XXXX XXXX XXXX XXXX  XXXX for an amount of {$740.00}. 
Ive submitted my dissatisfaction multiple times and the hinderance that the inaccuracies that are being reported is affecting my ability to pursue futhur in life.
Product: Checking or savings account

On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.
Product: Debt collection

In 2015 I was the victim of identity theft. A family member used my information resulting in medical collections in Idaho where I never sought treatment. I have been able to remove all but one of these accounts from my credit. Unfortunately Advantage Financial Services is still attempting to collect a debt from XXXX XXXX XXXX that does not belong to me.