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

My identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX/XXXX XXXX 4 . XXXX/XXXX  5. XXXX/XXXX   XXXX 6. XXXX  XXXX  7. XXXX
Product: Debt collection

I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they have not responded, which does not satisfy my request for validation. 

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document. 

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XX/XX/2022 I discovered unauthorized charges and informed bank. Bank issues new card, however unauthorized charges continued on my account. In XX/XX/2022 my bank account had insufficient funds which caused alarm. I had a substantial amount of unauthorized charges and double charges. I notified bank immediately and they replaced card and gave me provisional credit until investigation was complete. I also incurred charges after card was cancelled and I had not received new card. Soon after provisional credit was reversed with no explanation. I trusted chase bank with my money and I was robbed. Chase Bank did not raise red flags After replacing my card. Chase failed to do 24/7 fraud monitoring for unusual activity. I did not authorize XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX several charges from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and several more. I incurred double charges from XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX It is an overwhelming amount of unauthorized charges. This has caused financial hardship and has been time consuming. I've reached out to bank and issue has not been resolved. I was told that credit reversal meant that bank reached a decision. I don't trust the bank and suspect that bank is responsible for the charges. Chase needs to replace stolen funds immediately and I can take my business to another bank that will protect my money. I can provide detailed information about unauthorized charges. I wasn't able to upload or attach list of unauthorized charges to this application due to file size. I can provide it upon request via fax or email.Please help me get my money back. Thank you for your time and help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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: Debt collection

this company calls my employers line constantly the XXXX  do not pick up for they do not have my extension and I contacted them over 3 months ago while I hired a lawyer to take care of this account for me.
Product: Checking or savings account

I received the email saying they were going to help me with my credit and I'm not the smartest person in the world I fell for giving out my bank information they said they were going to help me build my credit up and they told me that they would put money in my bank and then buy gift cards and give him the numbers which I've never heard of this till now and I called my bank and talked to them and they are closed on the weekends so I'm just recuperating back what they stoled or whatever happened because now I'm negative in my savings I find that weird because I thought they would probably take it out of my checking. I don't know what to do I'm just very lost and confused
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

This evening, I found inaccurate accounts on my credit report and I'm unsure why. I routinely check my credit report, but this time there were unexpected discrepancies. Refreshing my browser to fix any potential malfunction didn't help, as the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I've sent so I won't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX TransUnion Disputes Information Center To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, NJ XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX, NJ XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company filed to report the accuracy of the accounts listed below to the credit bureaus and have them remove them from my credit profile. 

Account Numbers : XXXX, XXXX
Product: Debt collection

Original complaint : XXXX Dear CFPB, regarding the already closed complaint above, the company responded stating that they would put this account on hold and the following " requested documentation from our creditor-client to support that the debt is owed by the consumer. We will send the documentation from our client to the consumer if and when we receive it. We trust this resolves your concerns. '' Tomorrow, 30 days would have passed since this response and I have not recieved a letter, phone call or Email or any type of communication from Credit Collection Services or the creditor-client to support that the debt is owed by me. Although I am not sure about the law surrounding the time frame for this is, I believe I have waited long enough and given that I can not receive any type of validation or proof that this debt belongs to me, I demand that the collections account be removed from all major credit bureaus as it is impacting my credit. I believe this is extremely fair as I can not be provided with the simple proof that I have requested.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. 

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  I XXXX Balance {$1000.00} XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of unauthorized and fraudulent inquiries from my credit report. Despite multiple letters stating that these inquiries are not mine, they are still being reported on my credit report. I have also submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. 
These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. It is imperative that these inquiries be removed immediately to prevent further damage. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed. 

XXXX Inquired on XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX  Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry XXXX XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year> and XXXX Inquiry Date XX/XX/year>.
Product: Credit card

I put XXXX dollars down fo an apartment and decided not to rent there. Upon emailing the company they told me Chase bank has my money as they do not have it. XXXX states it is resolved and will not look into it
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX XXXX XXXX Short sale package was submitted to SPS on XX/XX/20. 

On XX/XX/20 rep XXXX # XXXX called the homeowner to offer her options of doing a loan mod or a short sale, and gave the homeowner a list of documents that would be needed. *****I believe that SPS , when they asked the borrower what she wanted to do, DELIBERATELY BAITED HER into saying that she would prefer to stay in the home, however she also said that she knew it wasn't not possible and needed a short sale. SPS inappropriately decided that meant she wanted a loan mod, when they KNEW she had been applying for one many times over the past year and was continually declined. They then used that as an excuse to deny her the opportunity for a short sale, as is her right under CA XXXX. 


On XX/XX/20 we called in to SPS to make sure they received the documents we submitted for the short sale. We were told the short sale was closed out and SPS would not offer any option other than a deed in lieu or a loan mod. 


Clearly SPS does not know what is going on with this transaction, since we get a different story every time we talk to them. This is not acceptable. IN THE ORIGINAL CONVERSATION, XXXX STATED A SHORT SALE WAS ABLE TO BE OFFERED, HOWEVER IN OUR CONVERSATION TODAY WITH SPS THE REP SAID THAT IT WAS NEVER AN OPTION. WHO LIED? The homeowner was told she would have the opportunity to be reviewed for a short sale, and that is what needs to happen. I want the short sale re-opened and the file moved forward appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was some fraud made on bank of america as someone tried to make accounts under my name. Bank of america said they would tell XXXX to remove the following the hard pulls as I did not authorize them. XXXX  also said they would remove them. Both companies have nothing removed them and they are still on my file. 

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

I have submitted this letter to all the credit agencies, XXXX, Transunion and XXXX and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review.

I have provided the letter in the attachment.
Product: Credit card or prepaid card

Bank of America XXXX XXXX Online account was hacked into and {$5800.00} stolen in XXXX separate transactions I informed the bank as soon a I saw these transactions within a few days They sent a replacement card twice and during that time more money was taken and informed me I could not change online banking details until I received my new card They were very negligent not keeping my money safe from the first fraudulent transaction that it happened again Now I am fighting to get my funds back
Product: Debt collection

The company offered me a 30 % discount and payment options. They confirmed they received my letter and the and state they have reviewed and verified the information listed on the account. 
On re aged debt and debt I attempted to pay with the creditor myself and they did not want my payment. After they re aged debt from XXXX tacked it onto my new account and closed my account and didnt want accept payments from me anymore and added the wrong amount I owed. Im still not sure why the account was closed but the debt owed is incorrect and this is insane im just trying to access my portion of credit and if something being removed thats positive or something thats incorrect is being added like this is a crime to make me look so unworthy Account info Account name Account number Original creditor Company sold Account type Date opened Status Status updated $ Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15. U.S Code 1666b section A says verbatim, '' A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So is XXXX above the Rules, Regulations, Codes set herin from the United States Commercial Code? If XXXX agrees to abide by the 1974 Privacy Act why does XXXX continuously violate the terms and obligations they say they will uphold? XXXX has been known to violate its users privacy rights on many occasions. Around XXXX of XXXX XXXX decided to create a XXXX XXXX XXXX settlement fund to address XXXXXXXX XXXX  data breach. I was not part of that lawsuit but once again I believe XXXX to reiterate XXXX has been selling my data to a third party knowingly then misrepresenting that information by reporting false and misleading information which has put a financial burden on me and my future purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report for a mortgage preapproval, my real estate agent advised me to report these fraudulent accounts. 

Company Name XXXX XXXX  ; Account : XXXX ; Amount : {$2100.00} Company Name : XXXX XXXX XXXX  Account : XXXX ; Amount : {$150.00} Company Name : XXXX XXXX ; Account : XXXX ; Amount : {$220.00}
Product: Debt collection

I would like to file a complaint to urgently dispute collection accounts reported to my consumer credit reports report by LVNV Funding LLC. Despite providing thorough documentation proving my status as a victim of identity theft, including a notarized identity theft affidavit, FTC Report, and Police Report, LVNV Funding LLC has blatantly disregarded my rights and continues to report these fraudulent accounts. 

The accounts in question are as follows : Account Number : XXXX Amount : {$1100.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$16000.00} Account Number : XXXX Amount : {$4200.00} Despite multiple requests for validation and proof of licensing and bonding as required by law, LVNV Funding LLC has persistently refused to honor my police report and provide any validation information under 12 CFR 1006.34 ( b ) ( 5 ). 

Moreover, LVNV Funding LLC 's actions constitute a clear violation of consumer rights, as they have furnished these collection accounts to consumer reporting agencies without providing the necessary disclosures required by law, in direct contravention of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

The original creditor has been duly notified of the fraudulent nature of these accounts, and I have attached copies of my FTC Report and Police Report for your reference.
Product: Credit reporting

The below address is not mine. I have never lived at that address. 
XXXX GA XXXX