23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address identity theft resulting from the XXXX data breach, which compromised my personal information and severely impacted my credit standing. My credit reports now reflect multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decline in my FICO credit scores. 
Enclosed with this letter, you will find documentation from XXXX confirming that my information was compromised in the breach, along with an FTC Identity Theft A XXXX and other relevant identification documents to substantiate my claim Fraudulent Accounts on My Credit Report XXXX. XXXX XXXX Bank : CREDIT ACCEPTANCE CORP Opened : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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Product: Money transfer, virtual currency, or money service

we've completed our research of your recent inquiry about three ( 3 ) wire transfers requests initiated through online banking totaling {$29000.00} between XX/XX/year> and XX/XX/year>. 

After reviewing all the information available to us regarding the online wire transactions you are disputing, we have determined that those transactions compiled with the governing security procedure as defined in your account documentation. under our online access agreement, you are responsible for online wires that comply with the governing security procedure, even if you did not initiate them.

As a courtesy, we initiated one more wire recalls on your behalf to attempt recovery of the funds from the bank ( s ) that received these wire transfers. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim.

For more information to help protect against fraud, please visit wellsfargo.com/privacy-security-fraud.

If you have questions, please call us ar XXXX, Monday through Friday, XXXX XXXX.
Product: Mortgage

I have a statement dated XX/XX/2021 from Carrington Mortgage Company of notice of intent to foreclose. As of XXXX I have, under the Cares Act FHA loan Covid Forebearance as stated under the moratorium until XX/XX/XXXX. Why did I receive this notice. This is a form of intimidation..
Product: Student loan

Please see both past complaints XXXX and XXXX. I have submitted multiple complaints against MOHELA indicating that I was never notified that payments would be restarting in XXXX of 2023. They were required by law to provide notification to borrowers that they would be entering repayment. On XX/XX/XXXX I recieved a letter from them that they did NOT notify me! They lied in their reponses to my XXXX previous complaints!
Product: Credit card

On XX/XX/XXXX, activated 19 % cashback rewards for XXXX through Capital One Shopping app and purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

There has been no acknowledgement of the cash back being accounted for this order. Emailed support at XXXX and was provided with a vague copy paste of general availability of cash back rewards for eligible orders with no specific information related to my order.
Product: Money transfer, virtual currency, or money service

Chime.com is an obvious fraud. They bought my information to send me a text early in the morning. Worried about fraud they offered a phone number online. A real person picks up that asks for your name and ssn. I refused. She transferred me to another " higher '' department where I was hung up on. I went to their website, no option to close account. Download their app on XXXX XXXX, change my password in case it's real, try to close account and it only allows u to talk to another " rep '' that can't close your account without ssn/dob. Also their chat option starts to slow your phone down to frustrate you into providing the information. They are likely printing fake cards as a fake company to defraud the banking industry a small amount at a time that the bank would likely just write off because it isn't worth pursuing. Send a man to close down their po box at least. Send a computer guy to hack their stuff. I'm doing my part. This is one of the best phishing attempts I've ever seen. I hope someone in your office can do something about this. 

Chime XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I received a letter in the mail from Bank of America stating " if you want us to review your application for the card, please remove the restriction on your credit report and call us within the next 30 days. '' Since neither my spouse nor I applied for this card, I called my ID theft protect company for guidance. I was worried that even though this application was stopped, someone still has enough of my personal information to apply for a card. 

My ID rep called Bank of America with me, who shared that while they did try to pull credit reports for this card application, they were declined outright. 

My ID rep gave me several steps to do regarding this incident, including notifying the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/2016, these were not authorized.
Product: Debt collection

This company sent me statements of an account that did not have my name on it and an address that I have never lived at. I have asked them to provide me with a original contract with my signature and a complete accounting from day one until current. I have never received anything but some statements that we not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed an account reported by : XXXX XXXX {$22000.00} in the file you maintain under my social security number. 

I was informed on XX/XX/XXXX/XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX, I have discovered that the item has been reinserted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EXP/XXXX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.
Product: Debt collection

I received a Garnishment Summons that shows a Total Balance Due of {$890.00}, the Judgement Creditor 's Attorney submitted the information for Garnishment after I missed payments according to a XX/XX/XXXX agreement. Which stated I would pay {$100.00} per month on the {$1200.00} balance. I made two payments and XX/XX/XXXX, my wife was admitted to the hospital. I missed payments because of this medical hardship, then had a change in employment on XX/XX/XXXX and I received the summons XX/XX/XXXX. I admit I didn't notify them of my situation because it was a lot to deal with caring for my wife and XXXX children while working full-time and some financial matters fell behind. 
The summons states the following : {$3700.00} Judgement Principal {$3600.00} Credits {$21.00} Interest {$70.00} Judgement Costs {$0.00} Attorney Fee {$630.00} Garnishment Fee {$890.00} Total Balance Due I spoke with representative  named XXXX on XXXX, XX/XX/XXXX from the Attorney 's office and was informed my Outstanding Balance was {$1200.00} according to their records. I asked why the summons stated a lower amount and he proceeded to explain that my XXXX XXXX XXXX XXXX account activity would be frozen until the court date of XX/XX/XXXX. I expressed my confusion on differing amounts outstanding and was told it was nothing that could be done.
Product: Money transfer, virtual currency, or money service

I decided to rent an apartment for my upcoming university years from XXXX to XXXX. I saw this apartment listed on XXXX with the rent per month is {$900.00}. I emailed the landlord, he provided me the contacts information so we can be in contact ( the email : XXXX with his phone number : XXXX ). In his first email he said he has stage XXXX XXXX so we can't call him, only contact through emailing and texting. In that very first email also, he said his wife passed away, this is his and his wife 's house so he needs someone is responsible that can take care his house for him because he is now living in XXXX  so he can be able to live with his family, money is not a problem right now to him. We felt genuinely bad for him so we agreed that i have to pay 2 months which is the first month and the last month ( {$1800.00} ) and a {$1000.00} security deposit. I transacted him {$2800.00} with {$2000.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ( He emailed me and texted me everyday, rushed me to send him the money. After that, we already signed on a lease agreement. Later, he emailed me that his lawyer found someone to pay 8 months of rent and asked if we pay them 4 more months rent, they will keep the apartment for us, he emailed me everyday saying things like please, I want you to be my tenant or we already came this far, paying the last time and we will be done. I was stupid and did not see his bad intention in which I sent him 4 more months rent on XX/XX/XXXX ( the total {$3600.00} ). He said he will send me the keys and documents for the apartment. It never happened, the assumed landlord put the package in USPS on-hold and demanded 2 more months of rent to be able to send us the keys and documents, and we did not agree. I sent him several emaiIs and texts about our decision and asked him to send us all our money back, he only emailed us back after several days after many emails I've sent, he begged us to send more money so we can finish and receive the keys with documents ( different than when we have to send him the money, he emailed us every single day ). I sent him many other emails for him to transact our {$6400.00} in total, he did not send any emails back. I texted him many times through phone number, he ignored it. I called him several times and each time, he declined my call and later that day, I found out that he blocked my phone number and everything. I believed he used this phone number for scamming since the one he used to register for the XXXX account for this email ( XXXX ) is a completely different phone number that ends with XXXX.
Product: Credit reporting or other personal consumer reports

I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and XXXX is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ACT IS SET FORTH AS A COMPILATION OF THE VARIOUS AMENDMENTS TO THE ORIGINAL ACT. THE SHORT TITLE OF THE ENTIRE ACT IS THE CONSUMER CREDIT PROTECTION ACT. TITLE 1, WHICH COVERS CONSUMER CREDIT COST DISCLOSURE, IS KNOWN AS THE TRUTH IN LENDING ACT. IN ADDITION TO GENERAL PROVISIONS, TITLE 1 CONTAINS CHAPTERS ON CREDIT TRANSACTIONS, CREDIT ADVERTISING, CREDIT BILLING, AND CONSUMER LEASES. TITLE V1, WHICH COVERS CONSUMER CREDIT REPORTING, IS KNOWN AS THE FAIR CREDIT REPORTING ACT. THE PURPOSE OF TITLE V1 IS TO REQUIRE CONSUMER REPORTING AGENCIES TO MEET CERTAIN STANDARDS REGARDING THE CONFIDENTIALITY, ACCURACY, RELEVANCE, AND PROPER USES OF THE INFORMATION THEY MAINTAIN ON CONSUMERS. TITLE V11, KNOWN AS THE EQUAL CREDIT OPPORTUNITY ACT, MAKES IT UNLAWFUL TO DISCRIMINATE AGAINST CREDIT APPLICANTS ON THE BASIS OF RACE, SEX, MARITAL STATUS, OR AGE. ( LKM )
Product: Debt collection

I received block call unknown name & number asked To call XXXX Where a recorded voice states " WE have tried to contract several times and WE have recived several complaints in our office " call XXXX. Upon calling I asked for paper work. was told to do the work myself and I would be sued
Product: Student loan

I signed up for auto pay and noticed that the auto pay date scheduled auto pay was well past my due date. I called customer service and they told me to make a payment before my due date on XX/XX/XXXX. I made a payment for {$1100.00} on XX/XX/XXXX. Without warning, Navient made a withdraw from my account even though auto pay was deactivated for {$1100.00}. My checking account is negative and I am unable to make my rent or feed my children. 

Furthermore, Navient has posted inaccurate late payments on my credit causing my credit score to drop by XXXX points. My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX and Navient has posted XXXX late payments during that period. 

My credit is ruined and unable to get a credit card. My checking account is negative all because of Navient.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, the fraudulent entries remain unresolved, and I am deeply concerned about the impact they are having on my financial standing. It is disheartening to see that these fraudulent items continue to negatively impact my credit report, despite my continued efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to formally report fraudulent activity on my personal credit cards and to request assistance in addressing this matter. I have multiple credit card accounts that I maintain for the sake of establishing and keeping good credit. I noticed something was wrong when I started receiving calls regarding making payments on credit cards that had a XXXX balance. I put fraud alerts on all my credit proles and now trying to gain information on how this could have happened. I did not authorize these transactions from Capital One or XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I am in the process of ling a police report or affidavit. All of my credit cards have been frozen as of now. I am suffering from this and my credit score has dropped significantly because of this issue. My accounts have been compromised between XXXX and XXXX of 2024.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent letter to Experian requesting information regarding several suspicious accounts. 
XX/XX/XXXX sent a second letter to Experian requesting information regarding several suspicious accounts. 
XX/XX/XXXX received an auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian created an excuse that they think I requested help to fix inaccurate information and that maybe I should not ask anyone for help. 
XX/XX/XXXX sent a third letter to Experian confirming I had received their letter of no action taken and restated my request for information regarding a suspicious account. 
XX/XX/XXXX received the same auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 

At this point it has been well past the regulated time Experian has to respond to my multiple requests regarding the same suspicious accounts. I thought at this point Experian is required to remove the account as the account was unable to be verified within the required time. Instead, they are able to delay without consequence which costs me money in higher interest rates and extra time and money to get approved. 

XX/XX/XXXX sent a fourth letter to Experian confirming I had received their letter of no action taken and very plainly restated my request for information regarding the suspicious account. 
XX/XX/XXXX for the 3rd time received the same auto-reply letter from Experian with none of the requested information and no explanation. In the letter Experian repeated the made-up excuse that they think I requested help to fix inaccurate information and that I should not ask anyone for help. 
Experian is not reading my written requests and is simply sending automated responses. How is this possible? No one holds Experian accountable, Experian does not have to do any required work, and does not have to follow regulations of removing accounts Experian can not verify.
Product: Checking or savings account

I had a bank of america account. The last 4 numbers of the account were XXXX. The account receieved regular deposits from my job. The closed my account on XX/XX/year>. 

I received a direct deposit of {$2000.00} on XXXX but despite the account being closed they kept my deposit. My job would like to reissue the deposit but since the bank kept the funds they can't. Bank of America claims they can not return the funds so I have no access to over {$2000.00} of my own money. They claim my account wont be fully closed until XX/XX/XXXX and I wont get my money until then. 

I would like to know why they closed my account if possible but I need my money as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : 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 XXXX XXXX XXXX Opened XXXXXX/XX/XXXX bal. {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX bal. {$5100.00} 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 ( 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 been disputing XXXX collections for a few months now. From the start I asked for a copy of the contract with me agreeing to pay these medical collections. I know they dont exists. XXXX XXXX name was on everything. After submitting disputes through TransUnion when dispute site. I was and am very confused why either TransUnion or this collection company arent bound by rules such as tge rule implemented in 2021 no attempt contact no report. No one has still contacted me. Thats a violation XXXX violation I have been asking in each dispute for a contract that doesnt igsist. But each dispute comes back verified while my request are ignored. XXXX violations set forth from FCRA robbing me of my rights not to mention TransUnion just fixing an incorrect date by more than 50 years. Please lets hold then accountable
Product: Checking or savings account

I called Ally Bank to look into having fees waved for canceled checks, as they were lost in the mail by USPS. Because I misunderstood a question I was asked by the Customer Service Rep, and answered it incorrectly, my account was completely frozen and I have no access to my money at all. I was told I had to wait for a special rep to contact me and that it would take anywhere from 2 to 5 days. This is completely unacceptable, especially during a pandemic.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/XXXX. This is my tracking number # XXXX for the letters that I sent off to the Bureaus to remove personal information that is not mine on my credit report, as well as fraudulent and inaccurate information that is causing my credit score to drop as well as me get denied credit. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1600.00} Amount {$1600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is fraudulent and is not my account and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fruad accounts and inquiries on all three credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXX. : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment status for XXXX XXXX XXXX last 4 XXXX XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX ha

s violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.
Product: Mortgage

My mortgage company did not pay my homeowners insurance until it was late and I called them, then I find out I owe property taxes they have not paid with interest and penalties this mortgage company is a scam I have XXXX in escrow plenty to make all payments needed,