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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Checking or savings account

Good evening I was hacked on XX/XX/2023 in both my checkings as well as savings account. The total amount taken was {$3200.00} in 3 different XXXX  transactions from an unauthorized recipient named XXXX XXXX. I submitted 3 different claims regarding this fraud and received the same answer that my bank believes it was authorized by myself or someone who has access to my account. This is not the case, I submitted and provided screenshots and documents proving my accounts were compromised and put hours of work into this matter, missing work to do something my bank should be doing and that's protect my accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX of 2020, XXXX XXXX XXXX received my file and called me about past medical bills. 
I asked if I could do a payment plan and the representative said yes. It was assured to me that my credit would not be damaged if I made payment arrangements. I set up the payment arrangement. Every month on the XXXX XXXX XXXX XXXX automatically deducts the amount and last month they added derogatory marks on my credit. I have been consistent with payments and this was done without any warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Product: Credit card or prepaid card

My credit card account was closed because of a typographical error when submitting a payment. Once I learned of the issue, I immediately remedied the situation before even attempting to use the card.

I tried to reopen the account and Capital One said I needed to wait 7-10 days. Its been a few months. Each time I call Im being told someone will call me. Nobody ever does.

I opened these accounts to rebuild my credit. They are destroying my credit. Ive sent a written request and Capital One has ignored my correspondence. I need help!!
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to share my concerns regarding several issues I've encountered with the credit bureau, including false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, XXXX XXXX, XXXX
Product: Debt collection

Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. 
I surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.
Product: Debt collection

Due to my computer being hacked in XX/XX/2022, my financial information was stolen and a fraudulent loan from Upgrade IncXXXX in the amount of {$21000.00} was taken out in my name. These funds were transferred to my XXXX XXXX account. After many phone calls to Upgrade, I was finally able to transfer the funds back to them on XX/XX/2022. I was told that they had received the amount and I would receive no demands for monthly payment. However, I am still getting emails asking for interest payment. After weeks of unresponded calls to Upgrade Claims Escalation and Resolution Dept, on XX/XX/XXXX I sent them a registered return receipt letter, attached my police report and IDtheft.gov report and requested they remove this loan. I never got a response. My latest call to Upgrade was on XX/XX/2022, and the person I spoke to said he could not transfer my call to their Claims Resolution Dept. He could only make another note in my extensive call log and someone would get back to me in 3 bus. days. I've heard from no one. All I want is for them to stop asking me to pay interest on a loan that no longer exists.
Product: Credit card or prepaid card

Several months ago I tried to use my card-it was declined. This is puzzling as they are automatically sent not less than {$50.00} and usually {$100.00}. There have been no gaps in payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.
Product: Checking or savings account

On XX/XX/year>, my email was hacked, and I had many of my online profiles infiltrated. The hacker also logged into the XXXX app & made XXXX identical {$650.00} fraudulent purchases using my debit card info. 

I saw this not long after & contacted Old National bank, & they closed my debit card & were able to stop 2 of the 3 purchases. I was given a provisional {$650.00} credit as they investigated. 

2 months later, I get a letter saying they found no error, the fraud was authorized, & they reversed the credit. The paperwork they initially sent me, says that the IP of the buyer, was in XXXX XXXX, CA... I live in Minnesota. Among other details, I called them & asked for a reevaluation & additional info, which they say is my right to do... but I was eventually told that the case was closed. 

From the info I received ; Old National tried a chargeback on the fraud.. but the XXXX store used, was clearly setup by the hacker. It's already been deleted, only had the XXXX {$650.00} item listed, & never had any contact details when I was online. I thoroughly checked all of this as I was quite angry & wanted to try find the hackers info myself; I found several names, including the name used on the fraud charge w/ my debit card... but I was told that these names were likely just more identity theft victims. Plus, I couldn't do anything w/ the info anyway..so I just waited for the banks investigation to finish. 

In my opinion, the bank simply tried a chargeback ; which would likely work if this was a transaction w/ an actual store. Unfortunately, this was an online shop quickly made by the hacker, so naturally the chargeback would not work. After that, I feel as if the bank stopped their investigation, as the XXXX address alone should be proof that the transaction wasn't made by me & thus wasn't authorized. I can proof my location at that time, that the fraud purchase never even shipped ( XXXXXXXX XXXX tracks shipping ), that I immediately tried blocking the fraud purchases, & anything else needed. 

I've also been looking into Federal Regulation E & am wondering why I wasn't covered, since this was fraud, online, using my debit card info. Unfortunately, the bank 's customer service is hard to speak with since none of them are apparently fraud-specific, & there's no option to transfer to that department. 

Thank you for reading my lengthy report & I'd be glad to clear up/confirm any details at all! 

~
Product: Mortgage

Earlier this year, I applied for and received a homestead exemption from the State of Florida under Fla. Stat. 196.031 to .171. The exemption reduced the taxable value of my home by {$50000.00}, resulting in a reduction in property tax on my home of about {$320.00} per year. 

I forwarded a letter from my local tax office which reflects the new exemption and estimates my XXXX tax liability to Freedom Mortgage, my mortgage servicer. I requested that the company recalculate my escrow and refund me the estimated overage. 

Roughly six weeks passed without any acknowledgement or answer, so I called to inquire about the status my escrow analysis request. 

Freedom Mortgage is refusing to honor the letter, and instead insisting on using the XXXX tax bill to estimate my XXXX taxes, despite the letter from the tax authority stating that my XXXX taxes will be approximately {$320.00} less than XXXX. 

12 C.F.R. 1024.17 ( c ) ( 7 ) states in pertinent part : " If the servicer knows the charge for an escrow item in the next computation year, then the servicer shall use that amount in estimating disbursement amounts. '' I believe that Freedom Mortgage is intentionally over estimating my escrow and violating 12 C.F.R. 1024.17 ( c ) ( 7 ).
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Fraudulent Credit Card Applications on My Account Dear Bank of America Fraud Department, My name is XXXX XXXX, and I am writing to report fraudulent activity on my account. 

Upon reviewing my credit report, I discovered that two Bank of America credit cards have been applied for under my name with limits of {$11000.00} and {$5500.00}. I want to emphasize that I did not apply for these accounts, and I did not authorize anyone else to do so on my behalf. These are fraudulent accounts. 

I urgently request that you shut down these credit cards immediately to prevent any further unauthorized activity. Additionally, please ensure that these fraudulent accounts and any related inquiries are removed from my credit report. 

Please confirm receipt of this email and inform me of the steps being taken to address this issue. If you require any additional information or documentation from me, please let me know at your earliest convenience. 

Thank you for your prompt attention to this matter. 

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

XXXX is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX | ACCOUNT : XXXX | {$0.00} | there are XXXX late indicators when the account was never late and unless you can prove that they sent my statement to me 21 days before the due date these must be removed under, 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX | ACCOUNT : XXXX | {$710.00} | XXXX  | ACCOUNT : XXXX | {$120.00} |
Product: Debt collection

Filed proper documentation with apartment manageXXXX XXXX before eviction stating to be removed from lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain a copy of my rental/tenant history credit report. I wrote to you, and have not recieved any response.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the Unite States ) that the foregoing is true and correct to the best of my knowledge. Further, I declare that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating various accounts. All are being investigated by FTC
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach ; and the following information has been reported to all three credit reporting agencies. 

The following accounts DO NOT belong to me. 

XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$1400.00} XXXX XXXX XXXX  XXXX Acct # XXXX Balance {$400.00} XXXX XXXX XXXX Acct # XXXX Balance {$750.00} XXXX XXXX XXXX  Acct # XXXX Balance {$1200.00} XXXX XXXX XXXX  Acct # XXXX Balance {$17000.00} XXXX  Acct # XXXX Balance {$700.00} XXXX XXXX  Acct # XXXX Balance {$500.00} This information does not relate to any transactions that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section B of the Fair Credit Report Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any further information from me to remove and block information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumers am aware Dated on XX/XX/2022 CFPB complaint ID XXXX that XXXX XXXX XXXX XXXX XXXX Stated XXXX XXXX XXXX XXXX XXXX to report accurate information to the credit bureaus : therefore we can not accommodate your request to remove the negative information : however, we have requested the credit bureaus to flag the tradeline as Disputed However, Congress Policy under Gramm-Leach-Bliley Act makes it very clear that such Financial Institutions are REQUIRED to give their Customers/Consumers the opportunity to exercise their right ( s ) to Opt out of furnishing their nonpublic personal information ( See 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) ).

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now all I, XXXX XXXX, need for you to do is clarify that youve complied with Federal Law Gramm-Leach-Bliley ACT as required to give me ( XXXX XXXX ) customer and consumer such opportunity to exercise my rights to Opt out of furnishing my nonpublic personal information. 

Respectfully, Thanks, Best Regards. 
XXXX, XXXX.