23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I 've been using my Citi Executive Card for over 8 months and have been paying my bill on time using the same bank account and routing number. However, in XX/XX/XXXX I made a payment of {$2700.00} to CitiBank and the amount went " missing '', the company blaming the problem on a " faulty bank account ''. The bank account was actually the same one I 've been using over the last 8 months to pay for my bill, and there was never an issue with it. I 've spoken to my bank and they claim the money was sent out ( the money is not in my bank account ). Additionally, the credit card company, CitiCard, is now failing to investigate this further and placing fees and additional interest rate to my card for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Equifax countless letters on XXXX, XX/XX/2020. regarding this account that is on my consumer credit report which is a deformation of my character! This account goes against FCRA section 623. All negative information on your credit report must have information so you can dispute it but it dont so this is a violate also How can you send a debt validation if you cant find who report it?
Product: Credit reporting or other personal consumer reports

I contact the credit bureau and tried to remove this fraudulent account XXXX XXXX  XXXX / XXXX XXXX I am writing to formally dispute a fraudulent account that is being reported on my credit report. This account, which I have reason to believe was opened without my consent or knowledge, is inaccurately reflecting on my credit report, and I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I have already filed reports with the Federal Trade Commission ( FTC ) and the local law enforcement, and the fraudulent nature of this account has been thoroughly documented. Despite this, the inaccurate information continues to be reported on my credit file, which is unlawful under the FCRA. 

In accordance with the FCRA, I request that you immediately investigate this matter, remove the fraudulent account from my credit report, and send me written confirmation of the results. Please also ensure that the appropriate updates are made to prevent further negative impact on my credit score.

Should you fail to resolve this matter promptly, I will be forced to consider legal options, including reporting the ongoing violation to the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action. 

I appreciate your immediate attention to this matter, and I look forward to your prompt response confirming the removal of the fraudulent account.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : CREDIT COLLECTION SERVIC # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Consumer Loan

There is debt in my name for a former auto loan. The debt is with Ally Bank. This creditor gave my personal information to an unauthorized third party over the phone. They did not try to verify my information ( social security number, address, DOB or even my name. ) The creditor then gave all of my personal information and information about the debt to a third party.
Product: Credit card

Reported Late payment from Credit Card CB Indigo on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT In accordance with the Fair Credit Reporting Act XXXX AUTO ACCOUNT # XXXX, has violated my lawfully federal protected consumer rights of privacy and confidentiality under 15USC1681 15USC1681 sec 602A says I have the rights to privacy 15USC1681 sec 604A sec2 says a consumer reporting agency can not furnish a account without my written instruction I told XXXX , Transunion , and XXXX to re-investigate this account : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also, There are several Inaccuracies on account starting with Date of Last Activity and lets not forget that they never gave me my 1099-C that they filed for this XXXX XXXX charge off on this account.
Product: Checking or savings account

Ally Bank opened a fraudulent checking and savings account on XX/XX/XXXX. Ally Bank authorized these accounts without my consent. Ally Bank allowed an email address ( XXXX, XXXX ) to be used to open these accounts. Ally Bank did not message me nor provide any documentation letting me know of such. Ally Bank did not clear my fraud victim statements before opening these accounts either. Ally Bank sent a debit card to some other individual, after I didnt sign any application. I never received any documentation or cards for said accounts. Ally bank proceeded to allow charges and deposits to the accounts that do not match my employment past or present and do not match any merchants Ive ever visited. Ally Bank advised they closed these accounts for fraud on XX/XX/XXXX and then again Ally reopened the accounts and proceeded to charge over {$4700.00}. ally bank assumes I am responsible for fraudulent charges caused by an identity thief. Ally bank has not investigated this issue and instead stated they sent documentation to some person named XXXX XXXX not sure whom that is but it isnt me. Again, I have provided Ally Bank with an FTC identity theft affidavit. This affidavit is valid and Ally By law must investigate these accounts, or provide documentation proof I signed any documentation. I havent signed anything for this company and I do not owe the balance they fraudulently charged said accounts either. The account application was fraud and is fraud. Ally Bank needs to properly investigate.
Product: Mortgage

Good morning, I have recently submitted, per XXXXXXXX XXXX XXXX XXXXXXXX, a noterized Legal Instrument, which is now legal tender, to the mortgage company to settle all outstanding debts. Sent in a certified letter ( attached ). 

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Freedom Mortgage used to loan me the money to purchase my property ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Freedom Mortgage is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft and must be reimbursed for XXXX XXXX of its value.
Product: Debt collection

I am writing to file a complaint against Midland Credit Management Inc. regarding their failure to provide a debt valuation letter, which I requested on XX/XX/year>. 

On that date, I contacted Midland Credit Management Inc. to obtain a detailed breakdown of the debt they claim I owe, specifically requesting a debt validation letter in accordance with my rights under the Fair Debt Collection Practices Act. Despite my request, I have not received the necessary documentation nor any communication from the company addressing my inquiry. 

The requested debt valuation letter is critical for verifying the legitimacy of the debt and understanding the specific details of the claim against me. I am concerned that Midland Credit Management Inc. is not complying with the legal requirements to provide this information, which is essential for me to evaluate the accuracy of the debt. 

To summarize : Date of Request : XX/XX/year> Company Involved : Midland Credit Management Inc.

Action Taken by Me : I requested a debt valuation letter to verify the debt.

Action Taken by Company : No response or debt valuation letter was provided.

I respectfully request your assistance in addressing this matter with Midland Credit Management Inc. and ensuring that they comply with the law by providing the necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX  XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : Seventh Avenue- {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Product: Debt collection

In XXXX of XXXX, A bad debt for collection was posted on my XXXX Credit Report. I was unaware of this until I received a phone call from the Attorney 's Off. XXXX XXXX, XXXX. on behalf of Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al. XXXX, XXXX, early in XXXX, XXXX. They informed me of a certified collection letter for {$600.00} was being mailed and I needed to pay this bill. 
Immediately my husband and I began calling Charter Communications Services, regarding this unpaid bill. Charter 's Attorneys researched this unpaid bill and found that all of our accounts had been paid in full as of XX/XX/XXXX. I reported this to XXXX and they began an investigation.. In checking my credit report XXXX, I discovered this bad debt was still on my credit report. I started another fraud investigation with XXXX and received a final report dated XXXX stating the investigation was completed and the disputed item for Amsher Collection Services # XXXX, HAS BEEN REMOVED FROM MY CREDIT REPORT, with XXXX Credit Bureau XXXX Just 2 days after receiving this report, I received another phone call from XXXX XXXX, Attorney 's office trying to collect this disputed debt. What am I supposed to do???
Product: Vehicle loan or lease

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINANCIAL XXX Opened XXXX XXXX, XXXX Balance {$21000.00} ; ALLY FINANCIAL XXX Opened XXXX. XXXX, XXXX Balance {$0.00}
Product: Credit card or prepaid card

This Company just closed my account without calling me or sending me emails to confirm items on file. I spoke with a manager by the name of XXXX on XX/XX/2018 he refused to give me his last name but He told me the company was protecting me from fraud and they decided to close my account for my protection!
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO OPT OUT ASAP OF EVERY CREDIT BUREAU OR CREDIT INFORMATION COMPANY THAT HAS MY NAME AND INFO IN IT
Product: Checking or savings account

I not getting my money from Cash App mobile phone company. Somebody is hacking into my account # XXXX of XXXX XXXXXXXX. I believe that donald trump or his delegee is hacking into my account and the XXXX XXXX XXXX in XXXX XXXX maryland. Somone is hacking my money when i am putting my name on something eapecially my Cash App account. I need my funds. 
Cc : cnn Cc : cbs Cc : abc
Product: Debt collection

I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX   is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.
Product: Credit reporting

After a big mess up with my military benefits and school loans, I found out how to access my credit score and I was in the process of repairing my credit as a result. In the process, I noticed that SEVERAL hard inquires were made, XXXX. They were on or near the same day and not done with my permission. I contacted said businesses and questioned them about why such inquiries were approved. I found out that someone ( thankfully that I know ) who had access to my SSN was the culprit. When I asked why a form of photo identification was n't used, I received the same answer resembling that of using paper applications and that there was nothing that they could do. I was perplexed because I just bought a car, and was asked for some form of I.D . among several other personally identifying documents. I proceeded to contact Equifax directly via their online dispute application. Due to my dispute now being expired, I am unable to view it and repeat verbatim what my reply from Equifax was after their investigation, but I am now faced with basically " sucking it up '' after being told that the hard inquiries would not, in fact, be removed as it was an accurate depiction of my credit being requested and then granted. I 'm not proficient in matters such as this, so I may be naive, but I thought companies like this were able to help you in the case of identity theft. Thankfully, I do know the individual responsible, and know that they have a criminal background so I can let the authorities handle that part, but it 's infuriating that my only option, in the eyes of Equifax , is to wait out the 7 years until it drops from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXXXXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.
Product: Debt collection

I've never been a Best Buy cardholder with Citibank and I've corrected them on this issues in the past but they keep calling my phone number asking for someone else. I've told them to remove my phone number from their system and I've been told I need to contact 'someone else ' to get that handled... I'm sick of getting these phone calls and I've had to block them. 

I just received a phone call at XXXX XXXX from XXXX but they've also called from XXXX ( XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX ) and XXXX other times from the same number repeatedly over the last XXXX I want them to remove my number and quit calling me for someone else 's debts. It's excessive and I have to keep my phone muted to avoid their calls going off while I'm working.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX
Product: Credit card

My apple account was hacked XX/XX/year> and was reported to XXXX XX/XX/year>. I called Goldman Sachs about the Apple Card Friday, XX/XX/year> and report the Fraud alert. 

I called back XXXX XXXX to inquire about a status update. During that phone call no action had been taken due to them contacting the wrong phone number and could not verify my identity. I verified my identity; initiated the fraud alert ( again ) and was advised that I would have response within 7 days. I waited until XX/XX/year> for an update. I contacted Goldman Sachs again and was told the investigation is still pending and it takes an average of 22 days to conclude an investigation, Today I contacted Goldman Sachs to an update to find out the first investigation has been concluded, a second has been opened ( no by me ) and it is still underway. I have filed more than one level two complaint with no resolution. I have never been contacted ( letter, phone call, email ) about any incident about my report, the fraud or any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I TRIED TO CALL XXXX XXXX, XXXX, EQUIFAX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL