23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX & XXXX XXXX USAA Began Fraud Investigations on Purchases of XXXX & XXXX of XXXX by placing Temporary Credits on XXXX & XXXX Listed as Adjustment Purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are Not included in Total Credits Applied for this period {$910.00} APPLIED I have Not been Notified the Results of the Fraud Investigations Begun XXXX & XXXX. A FULL YEAR LATER ON CHARGES TWO YEARS AGO What is the Resolve of these fraud investigations? Were Credits made Permanet? Why? When? 
Criminal Investigation of mail fraud. Letter dated XX/XX/XXXX sent XXXX Requires Proof Tracking DELIVERED INTO MY HANDS XXXX & XXXX Fraud Investions above are from Purchases of XXXX & XXXX of XXXX. Why did USAA DELAY 5 months BEFORE EVEN BEGINNING AN INVESTIGATION? I HAVE BEEN LIABLE FOR FRAUD FOR TWO YEARS UNRESOLVED AND SENT TO COLLECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. XXXX   should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in XX/XX/2017. Please remove this entire fraudulent account off of my credit report.
Product: Debt collection

Company sent a text to a family member releasing my address, the collection account number, the amount owed, the medical name of the original collector. The date when I was at the doctor. It was sent XX/XX/2022. I have all screenshots of the text. They call me 30 times a day so they have my phone number.
Product: Checking or savings account

I have checking accounts with USBank and one account was flagged for a fraud charge. I was told to open another account since the fraud account was frozen. I opened a new account and the fraud department transferred all funds from fraud account to new account. I said that there are some outstanding checks that need to be paid when the are presented and they said they would pay out of the new account when presented. They did not pay when presented and I found out that the fraud account was not fraud and to clear my fraud acct and close out new account and transfer all funds back to original non fraud account. They did not close my account as requested and said I have a negative balance of {$11.00} and I said I have a returned check fee of {$39.00} that you should credit back since you returned the payment when they stated they would pay from new account. Now they charged me another {$30.00} for a force close since I didnt pay the {$11.00} which they said they would credit me {$39.00} and close out the {$11.00} which they did not credit as they stated they would. All docs were submitted to XXXX XXXX which is the Fraud department manager and he said he was crediting me and didnt. Now they reported me to credit and banking departments as a forced close on my account. Everyone is passing the buck off to another and can't get this corrected. Need help
Product: Debt collection

I received a call from a company claiming to be called National Arbitration from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a XXXX loan company XXXX XXXX XXXX. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
Product: Debt collection

I am writing to formally request validation of the debt that your agency claims I owe. I was recently contacted by your agency regarding a debt allegedly owed to XXXXXXXX XXXX in the amount of {$710.00} as of XXXX XXXX. However I am requesting confirmation that this debt is valid and, that your agency has the right to collect it as an assignee. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC1692g Sec. 809 ( b ) ], I request that you provide me with the following documentation : 1. Proof of original debt a copy of the original contract with XXXX XXXX that i signed which establishes the terms of the debt. 

2. Account statement and details. 
An itemized account of all principal, interest, fees, and payments associated with the debt. 

3. Assignment contract or transfer of rights documentation. 
Written documentation that XXXX XXXX  transferred or assigned this debt to your agency thus giving you the right to collect on it. This should include the full chain of assignment if there have been multiple transfers of this debt. 

4. Identification an details of the original creditor : The name and address of the original creditor and any account numbers associated with the original debt to verify that this claim is accurate. 

Please understand that I am not refusing to pay the debt rather i am requesting that you verify its legitimacy and your authority to collect on it. I expect a response to this validation request within the timeframe, please consider this debt as disputed and do not report it to any credit reporting agencies or take further collection actions. 

If this debt can not be validated I request that it be removed from your records and, I should not be contacted about it in the future. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation at your earliest convenience. 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number showing on my report are the following : XXXX, and XXXX
Product: Credit reporting

I 've noticed there was an address reported on my personal information which is the XXXX address which that I do n't know of because I live in XXXX.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIALEVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX the contents of this complaint this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 USA 1681c ) that you XXXX Experian XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days business days of you receiving this complaint this fraudulent inaccurate and false information consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report I enclosed in letter I do not recognize the aforementioned accounts collections hard inquiries addresses name changes appearing on my credit report maintained by you were not opened made initiated by me all of the aforementioned accounts collections and hard inquiries name changes are the result of identity theft and fraud i have a copy of my FTC identity theft complaint case no XXXX as proof from the FTC that all of the aforementioned consumer credit accounts collections hard inquiries name changes are the result of identity theft and fraud
Product: Money transfer, virtual currency, or money service

I requested that Discover Bank initiate a wire recall for the fraudulent transaction, which was for {$1500.00}, sent on XXXX XXXX, 2024. I asked for a clear timeline for when the recall would be processed, but Discover Bank was unable to provide a specific timeline for the initiation of the recall request. I was informed that Discover would attempt to contact the beneficiary bank but that they are dependent on the beneficiary banks response. I was told that Discover would contact XXXX XXXX Bank in the next few business days, but no specific timeframe was given for this action. I have been following up with Discover, and as of now, I have not received a clear timeline or confirmation that the recall is progressing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent " Credit Collection Serv Account # XXXX '' a followup letter regarding an alleged debt collection on my credit report by the company " Credit Collection Serv '' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX nor the creditor, Credit Collection Serv. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX and the creditor, Credit Collection Serv, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted to CFPB, Identity theft complaints and documentation to XXXX, XXXX and Transunion. FCRA states they have 4 days to remove those items and they have done absolutely nothing. These credit agencies are not abiding by the law and theyre 3rd party affiliates. I am going to be opting out of all XXXX systems indefinitely because I dont feel they care about consumers just about making money with the companies they violate laws for.
Product: Mortgage

Ileagalally forclosed on mortgage, I faxed receipts to them that they said I did not pay, They tried everything to steal my house from me. Including having their agent go to the door and tell my renters that it was being foreclosed and that they would have to move. 
I had to pay attorney fees late fees foreclosure fees they raised my interest rate. I moved back to Idaho completely rearrange my life, Hurt my XXXX while moving.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agencies, 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 XXXX ACCOUNT opened on XX/XX/XXXX under account number XXXX in the amount of XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX in the amount of {$0.00}. XXXX XXXX XXXX under the account number XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$0.00} with account number XXXX. A Credit card account reporting with XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX in the amount of {$930.00}. XXXX opened on XX/XX/XXXX in the amount of {$370.00} under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXX IN THE AMOUNT OF {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ON XX/XX/XXXX in the amount of {$950.00} with account XXXXThese 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 fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
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 XXXX 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

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX 2024 I reached out to XXXX  to confirm dispute my request Mortgage payments duplicated as debt and lowering my credit score. XXXX  reporting the Creditor XXXX XXXX  informed them I was 30 days late on my mortgage as of XX/XX/year>2024. I informed them and provide documents the Loan was transferred to another Lender and it was not Late and XXXX informed me I never missed any payments with them. 2 Days Later all 3 Credit bureaus are reporting the same information and refuse to remove inaccuracies. XXXX and XXXX verified my request but Transunion Representatives asserted they verified an account with XXXX when XXXX confirmed to me an alleged account had been sent to collections. I Informed the XXXX XXXX with uploaded documentation of disputes with 2 various collection agencies alleged to collect on behalf of XXXX, neither responded to my requests for Validation of alleged debt per FDCPA ( 15 U.S.C. 1692g ( a ) ( 2024 ). ), Transunion consistently provided me inaccurate information. On hold 30 minutes and never transferred to a Supervisor as requested. dispute number for my recorded was not provided upon request.
Product: Credit reporting or other personal consumer reports

The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 4 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DPT Treasury, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
Product: Credit card

Amazon overcharged for 4 items. The overcharge was on 3 separate orders. I have an email from Amazon customer service stating they would credit my card for the difference. The total overcharge ended up being XXXX. I tried to resolve it with Amazon. After spending a lot of time on the phone with Amazon ( call log from my phone available ), I turned the overcharges in as a dispute ( 3 ) with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refusing to provide original signed contact proofing account belongs to me. Provide proof of verification of this account. On top of obscenity threats to own and pay debt that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan in XXXX  and my payments are not behind and never have been, but Capital one continues to negatively affect my credit report by pulling a hard inquiry at some frequency. I have asked why and noone has an answer. I want them to stop pulling my credit for an existing, current loan. It's hurting me and they stay on XXXX  years.
Product: Debt collection

Bakalar and Associates in XXXX XXXX FL ( XXXX ) XXXX XXXX sent a notice stating an amount owed to my HOA {$1600.00} This amount was for past due amount, collectors fees and interest. I made payment to the original creditor the XXXX HOA for the past due amount and added an additional payment for the upcoming month bring the total of my payment to {$1900.00}. Thirty ( 30 ) days after I made the payment debt collector/XXXX sent a second correspondence indicating that a small portion of the original debt was still outstanding because I did n't make payment directly to debt collection company. Incidentally, the amount in question was for the collector 's fees and interest which was accruing even after the entire amount of the debt had been paid to the original debtor. I attempted to explain by law the interest should have been paid first according to the FL Statue 720.3085 ( c ) ( b ) -- this statue was included in the correspondence -- otherwise I would n't have know that attempting to collect the interest ( again ) was improper. 
I was able to speak with XXXX XXXX regarding the debt and shared by concerns. He was not swayed and is still attempting to collect {$350.00} which is an amount greater than what is owed.
Product: Debt collection

On about XX/XX/XXXX I first contacted the company regarding the debt on my credit. I advised the company that the debt was incorrect and I did not owe that amount. The representative became very nasty and yelled that the only option I had was to pay the debt on full. I continued to advise her that the debt was not correct only for the representative continued to talk over me and say that she didnt have to provide me with any information about the debt besides the amount I owed I called again on XX/XX/XXXX. I again was yelled and and demanded to pay the owed amount I begged for assistance only to be told that they had talked to me about it before. Also while I was waiting on hold the representative called me on a in state ( VA ) number. She states that the system hung up on me when it had not.
Product: Debt collection

ACCOUNT NUMBER : XX/XX/XXXXACCOUNT NAME : XXXX ACCOUNT NUMBER : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion fraud department to dispute inquiries that were not mine. I explained to the representative that the documentation that they are requesting in order to remove the inquiries is impossible to obtain due to the COVID 19 mandate in my state I can not go to my local law enforcement office to provide a police report due to NO in person contact at this time. The representative advised me that she can only remove 1 inquiry from the 7 that I wanted to dispute. Here are the inquiries I wanted to have disputed. 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information sent to ftc equifax breach po report sent to all bureaus
Product: Credit reporting

I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.