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

I have been a victim of Identity theft. Between the XXXX of XXXX, 2019 some one opened an account on my name and requested a XXXX XXXX credit card and also opened a XXXX account and bought 4 new XXXX from them. I did NOT requested such servides or accounts. I realized I was a victim because of the bills dfrom bot companies arriving at my mail adress in the US. I am currently living in XXXX XXXX XXXX. it has been very difficult from here fixing this issue. I have tried contacting both companies over the phone but both require a US police report wich I cant get overhere since the XXXX police has no authority in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section XXXX ( XXXX  ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " CREDIT PLUS Inquiry : XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

XXXX was hit with a storm on XX/XX/year>. Prior to my trip I called XXXX XXXX XX/XX/XXXX and asked whether this storm effected this resort. Myself and others were told the storm didn't normal operating procedures at this resort. I arrived on XX/XX/year> at XXXX where the lobby was extremely hot. I had to wait for a room until XXXX that night. If for myself and others seeking out an employee willing to help all stranded. We had to physically go to XXXX different rooms to check if people were still in their room because their system was down. The employee told us there have been working on backup generator since the storm XXXX. He also informed us that XXXX of the XXXX towers didn't have power and the hotel was moving people from XXXX tower to another. Beside no power there was no hot work. We had no choice but to get our luggage and get my sons bathing suit to go swimming due us not being able to do anything. Later this night the hotel had a total XXXX out at XXXX. Besides no air conditioning, there also was no wifi connection. Day # XXXX XX/XX/year> I normally go to the fitness center early in the morning. The hotel gym also experienced electrical issues with no air conditioning XXXX degrees indoor. There was also no power in the game/children center for my son. Therefore there was no place for my child to play. Day # XXXX XX/XX/year> we experienced the same thing. No air conditioning in the fitness center and game center for my son. Midday on day # XXXX things starting coming back on little by little. I spoke with XXXX XXXX public relations and got no where as others had issues to. Once I got but to the United States I called Chase ( my credit card company ). I was told due to me not calling them on day XXXX and canceling my reservation they could not honor a refund. I was told by Chase that because the hotel provided shelter their is nothing they can do. I explained to Chase that you can not just call another hotel due to the effects of the storm. There are multiple groups of people stranded and having to just put up with the conditions they are in until power was on. I paid for a luxury hotel stay and that is not what I experienced. Chase is not for the consumer, and nor did they help me by telling me the hotel provided shelter.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a collection opened at XXXX & XXXX on XX/XX/XXXX. Unauthorized inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Debt collection

I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you
Product: Money transfer, virtual currency, or money service

Fraudulent Account, Identity theft, Data Breach, Mortgage Fraud. phishing, using my personal information without permission. I never signed any Mortgage, Instruments, Notes accessing credit file scam, has violated the FCRA by putting out inaccurate information and improper ... Notes Mortgage forged These agreements agreement and violated state law. Copied and pasted. Full payoff Account breached Estoppel letter sent XX/XX/2019 XXXX XXXX Instrument # XXXX # 1 Book:7739 Page:3149 satisfaction at my county courthouse. Reproduction in whole or in part without permission is prohibited it seems as if the mortgage original amount company and banks decided to modified loans of closed account and sold them to SPS.Select Portfolio Servicing sending debt collection letters that violate federal law, They have now reported to credit report and destroyed my good credit rating. Select Portfolio Servicing, Inc. All rights reserved. 
The UNDERSIGNED hereby gives notice of Termination of Notice of Commencement recorded on 9 IID/0.6 '' '', in Official Records Book 5-4,5'y Page 22.3 ( of the Public Records of XXXX County , Florida and In accordance with Chapter 713.132, Florida Statutes, the following information is provided in this Notice of Termination : improper trying process published mortgage agreement and violated state Florida law.713.13 ( 1 ) ( a ) 7., Florida Statutes : The Notice of Commencement is terminated as of breached the mortgage agreement and violated state law balance would increase even above home value on a fraud mortgage account are of this Notice of Termination, whichever date is later. 
This Notice of Termination applies to : All the real property subject to the Notice of Commencement transferring cancelled real property described as : from the recording date XX/XX/2019. Breach of contract Debt All lienors have been paid in full or prorate in accordance with Section XXXX6 ( 4 ), Florida Statutes A copy of this notice has been served on the contractor and on each lienor who has given notice, if any Instrument # XXXX # 2 Book:7739 Disclaimer. We are not attorneys and not licensed td advise-you on the law or prepare legal forms for you. Please have an attorney or title company ( if applicable ) prepare important legal documents. 
ESTOPPEL AFFIDAVIT OF MORTGAGOR ( State of : ) Florida XXXX ( County of : ) the undersigned authority, duly authorized in the state and county aforesaid to take acknowledgements, this day personally appeared the undersigned Affiant ( s ) and severally first being duly sworn depose ( s ) and say ( s ) : no-obligation ( 1 ) This is to certify that I/we have executed, assumed, or taken title subject originally granted to, dated, recorded in Book, Page ( s ) of the public records of XXXX the County of, State of, and now assigned to and held by. The legal description of the mortgaged property is attached hereto as Exhibit A. ( 2 ) The original principal Promissory Note said Mortgage. ( 3 ) defenses or offsets against said Mortgage or Note.cancelled by Owner of the property this unauthorized created account.
Product: Debt collection

A collection account from Jefferson Capital Sys was placed on my XXXX credit report without proper notice in accordance with the Fair Credit Report Act. I have no knowledge of this debt and do not believe that it is mine. After disputing the account with XXXX it was added that it is related to XXXX XXXX. I had previously filed CFPB complaint XXXX related to the XXXX XXXX account on XX/XX/2020. I have not had an account with XXXX XXXX for over 3 years and the account had a {$0.00} at the time it was closed. The complaint was forwarded to the FTC. The result of the complaint was that the XXXX XXXX account was removed from my credit report. Now without proper notice or verification the account has been sold to Jefferson Capital Systems.
Product: Debt collection

on XX/XX/20 I RECEIVED A PHONE CALL FROM A DEBT COLLECTOR NAMED XXXX XXXX AND SHE SAID SHE WAS CALLING FROM EVERGREEN COLLECTIONS. SHE ASK FOR MY BY NAME AND I SAID YES ITS ME BUT THEN PROCEED TO DISCLOSE MY INFO WITHOUT PROPERLY VERIFYING IF THIS WAS ME OR NOT AND WHATS WORST SHE DID NOT GAVE ME MY MINI MIRANDA RIGHTS REQUIRED BY LAW TO DISCLOSE ON EACH AND EVERY CALL. 

I CALLED BACK AND ASK TO SPEAK TO A SUP AND XXXX GOT ON THE PHONE SAYING HE WAS A MANAGER AND INFORMED HIM ON HOW HIS COLLECTOR DID NOT VERIFY ME AND DID NOT DISCLOSE THE MINI MIRANDA AND HOW THIS IS A VIOLATION PER THE FDCPA. XXXX SAID HE WILL CHECK INTO THE RECORDING AND HE STATED HE WILL GET BACK TO ME AT HIS EARLIEST CONVENIENCE AND I TOLD HIM THAT WAS NOT ACCEPTABLE AS THEY ALWAYS CALL ME AT EVERY HOUR. I ASK TO SPEAK TO HIS SUPERVISOR AND HE STATES HE WAS NOT IN AND REFUSED TO LET ME SPEAK TO ANY OTHER PERSON BUT HIM AND PROCEEDED TO LAUGH AT ME. 

I INFORMED HIM I WILL CONTACT THE ATTORNEY GENERAL AND THE FDCPA SINCE HE WAS NOT WILLING TO RESOLVE MY ISSUE AND WHAT HIS COLLECTOR IS AGAINST THE LAW. 

I WANT THESE COMPANY TO PAY THE {$1000.00} FINE FOR NOT DISCLOSING THE MINI MIRANDA AND WHAT OTHER FINES MAY BE ADDED FOR THEM NOT PROPERLY VERIFYING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I certified mailed XXXX XXXX XXXX a section 609 ( a ) ( 1 ) ( A ) Dispute for account #  XXXX Account # XXXX I have patiently waited beyond the federal aloted time. Trans union has failed to provide any verifiable proof of these damaging accounts be accurately reported. I have contacted the accounts being falsely reported and I have been advised to disput through Transunion. I am providing proof of disput and receipt of certified mail with a copy of the notary. Pleas remove these account Immediately under FCRA.
Product: Bank account or service

I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.
Product: Credit reporting or other personal consumer reports

In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : 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: Debt collection

I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Just how in the world was I ignored multiple times with my requests to have these accounts verified because I don't think they were reported with a XXXX percent accuracy. This has been making me feel ignored and depressed because how am I supposed to go on with my life knowng that my credit scores has negatively impacted my applications for so many things and it's all because these accounts weren't even verified or certified to a maximum accuracy.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.
Product: Debt collection

Received an email saying Major Derogatory Account detected on credit file. Called XXXX to find out that it was a utility bill from TX. The company sent the info to collections. XXXX XXXX is the company and the account number XXXX. 
They used my personal information and spelled my first name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an Inquiry for XXXX hit my equifax credit report I have not applied for anything so this inquiry is definitely fraud.
Product: Checking or savings account

On XX/XX/2022 I purchased what suppose to been very luxurious hair bundles in the amount of {$450.00} from XXXX XXXX XXXX XXXX When the order got to me I could immediately see that it was not the same quality they advertised to me and knew I had been scammed, asked the merchant to just send me the item they advertised and I kept getting excuses and humiliated! I contacted Chime to file a dispute which I submitted several pieces of evidence but they keep denying my claim! Several representative said they can see that what I received is not the same that was advertised but Chime dispute and investigation team will not call me and explain why! I have filed a police report on the merchant because XXXX keeps saying submit new proof, but they are obviously not looking at the proof Ive provided which shows the merchant is not willing to settle my claim. I want an investigation of Chime done as to why the investigation team can not be reached and my claim settled!
Product: Credit reporting or other personal consumer reports

I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

{ dispute_item_and_explanation } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation