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

In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in XXXX. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company NCA seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you
Product: Credit card or prepaid card

It has come to my attention that after several years of communications with American Express about two credit cards that were opened in XX/XX/2016 by fraud, that they are still appearing on my credit reports and now appear as charge offs. Furthermore I received a collection letter from a collection agency trying to collect on these cards. I have reported this also to the 3 credit reporting agencies that they have failed to respond to my letters about these account. First account that is on my report is XXXX, and second is XXXX. These are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this XXXX on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this XXXX should not be reported to you. Furthermore, the involvement of an unauthorized XXXX party adds to the absurdity of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Purchase from XXXX on XX/XX/XXXX XXXX XXXX on hacked debit card canceled card next morning was done on XX/XX/XXXX but didn't clear till XX/XX/XXXX had XXXX and XXXX  on card filed dispute next day never got call from Bank or a letter Bethpage federal credit union. Took money on XX/XX/XXXX out of my checking with no notice or a phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical XXXX XXXX  Inquiry from XX/XX/XXXX + Utilities & Fuel
Product: Credit card or prepaid card

In XXXX we traveled to the XXXX XXXX for vacation. While there, our CitiCard/CitiBank credit card was used against our will ; we were detained by a manager of a resort who used our card to process a payment for the entire resort stay, even though it had been prepaid in advance. We were held against our will for several hours, missed our flight back to the XXXX and were threated with being arrested if we didn't allow the manager to process the credit card with the fraudulent charge. The card was charged, and we were released. As soon as I was in a van heading to the airport I contacted CITI to advise we had been blackmailed and forced to use the card. Citibank said they would look into it, but eventually said they would not reverse the fraudulent charge. We advised Citi we were not going to pay for a fraudulent charge, and that this was covered under the terms of our credit agreement with them. 

A few months later, I lost my job when my employer closed their business. I contacted all of my creditors to make payment arrangement, including Citi. All other creditors agreed to close my account, stop interest accrual and accept payments for the balance. Citi refused to make any concession and because they refused to remove any of the fraudulent charges made in the XXXX I decided to use my limited resources to pay the creditors who were trying to work with me. 

Since the beginning of XXXX I've been working full time, and my income has increased substantially over the years. I have attempted several times to contact Citi to try to negotiate payment of the charge off, but they do not have the account and can not provide me with any information about who the account has been sold to. They continue to report the CO on my credit under their own name, with no information about who owns the debt. This is negatively impacting my credit and my business.
Product: Credit card

I noticed a fraudulent balance transfer on my Wells Fargo credit card. I called to report it, they said they would investigate and refunded the balance. At this time they also closed the original account and opened a new account. Now, the original balance transfer has been put back on the new account, plus it has been duplicated. I did not authorize this. Wells Fargo is not helping.
Product: Debt collection

This letter constitutes a formal complaint against Encore Receivable Management Inc. for intent to report inaccurate and incomplete information on my credit report on any bureau. While I do take under consideration that mistakes happen, inaccurate information could cost me higher interest rates as a result of their negligence. Encore does not have my permission to advertise against me on any credit bureau organization. 

Furthermore, I hereby deny consent for you ( Encore Receivable Management Inc. ) to contact me in any manner other than by certified letters to my address. Do not call, email, text message, visit my home or contact any of my friends, neighbors, co-workers or family members in an attempt to acquire any type of information on my person. I am also demanding that you delete my account from your records within the next 30 days as I do not have a contract with you. The FCRA requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you ( Encore Receivable Management Inc. ) can provide a copy of a credit application authorizing the disclosure of my credit files with my wet signature on it, only then will I accept your inquiry. Otherwise you will have to remove any negative remarks made on my credit files. 

This dispute letter is being sent in the allotted 30-day timeframe as specified in your initial contact letter. You now have 30 days to comply with your proof of claim and gather any evidence, including any signed wet signature contracts between both parties and/or any court order expedited against me. You must present me with certified copies of each ( if any ) of those documents exist. If you do not contact me within the next 30 days I will assume all my demands have been met. Should there be any questions on procedure please refer to the Fair Credit Reporting Act. 

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 611 - 15 U.S.C. 1681i Please mail me a copy of the signed application/letter indicating your intent in removing any negative remarks on my credit within 30 days. 

Thank you for your prompt response on resolving this matter.
Product: Credit reporting or other personal consumer reports

Debt Recovery Solutions runs my credit twice a year since XXXX without any legal right under Truth and Lending. Debt Recovery Solutions is a debt collection agency with no debt to collect from that I am aware of, at least not for the last 9 years, evidenced by CRAs reports. Debt Recovery Solutions is branding my credit reports as being of interest to collection agency. They have no right to run my credit for any reason. Being a victim of Financial ID theft for many of the years that this company has helped themselves to my reports, they present a clear and imminent danger to security.
Product: Credit reporting

Transunion reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show NR, until XX/XX/XXXX when it should show pays as agreed, then should show NR for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.
Product: Credit reporting, credit repair services, 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 Account DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX 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 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. ( 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2500.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge late payments on my account that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc 1681 i ( a ) ] I am demanding that these items be removed. 

XXXX  - XXXX XXXX account number XXXX XXXX XXXX/ account number XXXX XXXX XXXX/ account number XXXX  XXXX XXXX XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, someone approached me via XXXX and tried to be friend with me. I accepted the request. From XX/XX/XXXX to XX/XX/XXXX, we had exchanged messages on XXXX and she persuaded me to learn cryptocurrency trading from her. She even guaranteed to make profit from the get go. I hesitated for a while, but couldn't resist the temptation of making quick profit. I registered an account on a trading platform called XXXX, and started transferring money from both my bank account and IRA account. 

The following is the receiving bank information : Name : East West Bank Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Name : East West Bank Account Name : XXXX XXXX Trading Limited Account Number : XXXX Bank Code : Same as above Routing Number : Same as above Bank Address : Same as above Phone number : Same as above However, on the morning of XX/XX/XXXX, when I open the mobile app to check my account, I found out that the mobile app is disabled and I cant access to my account anymore. I immediately reach out to that person for help via XXXX. But the message couldnt get through. I started calling her and the trading customer service, but I failed every single time. They just disappeared all of sudden. Then I realized that I become the victim of internet crime activity. 

The information of that person and customer service representative is listed below. XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX : XXXX Marital Status : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Customer service representative : Name XXXX XXXX XXXX Phone Number : XXXX The fund on my trading account disappeared too. My total investment loss is {$200000.00}. I have reported this incident to my local police department and my financial institution XXXX. I have all the information and documents to support. However, the purpose of this report is to file a complaint of East West Bank for being potentially associated with fraud activities.
Product: Debt collection

Carter Young has incorrectly placed accounts on my consumer credit report, and are in question of the following : - Unauthorized reporting of a business debt as personal debt- Not providing written notice of an alleged debt within 5 days of first contact
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just received a response from your company as a result of an investigation for the second time. As I stated before this account was deleted from XXXX as unverified but still remains on XXXX and XXXX from your company. As a result from the last dispute you sent me a document with a name and a balance which is unacceptable! As I mentioned this account is unknown to me please send me a signed document with my signature on it as validation. If documents can not be provided I will take legal action for all unverified accounts! Like I stated before I've been contacting your company numerous of times about this account and still all of the above was unverified or validated. If there's no document showing that I signed or verbally agreed to this account please remove it. All previous disputes and responses has been saved for my records and will be proven in court as a violation of the Fair Credit Reporting Act 609. ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX have all 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, credit repair services, or other personal consumer reports

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX  XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Tracking : XXXX XX/XX/XXXX EQ Tracking : XXXX
Product: Credit reporting or other personal consumer reports

Equifax allowed XXXX to report three different accounts with the same account number and XXXX prematurely charged off those accounts which violated Federal Charge Off Regulations 12 CFR 1026 Regulation Z and FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$780.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$9100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX XXXX XXXXXXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracies Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as provided by the XXXX major credit bureaus : XXXX, XXXX, and Equifax. It has come to my attention that my credit card account, which is in good standing with a perfect payment history, has been deleted from my credit report, effectively shortening my credit history. 

Details of the account are as follows : - **Account Number : ** XXXX - **Account Type : ** Revolving Account Opened XX/XX/XXXX - **Status : ** XXXX XX/XX/XXXX - **Payment History : ** No late payments, paid as agreed I have received multiple letters from all three bureaus requesting additional identification, despite having already provided all necessary information. This continual request for information is unnecessary as I have verified that my records are complete. 

The actions taken by the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) regarding willful non-compliance. As my credit report reflects, all three bureaus have acknowledged my account status as " OK, '' and there are no discrepancies in my payment history. 

I kindly request an immediate investigation into this matter and urge you to ensure that my account is accurately represented in my credit report. Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB PLEASE HAVE THIS ACCOUNT REINSTATED
Product: Money transfer, virtual currency, or money service

Early this morning XX/XX/XXXX I woke up to alerts that there was a transaction made that was suspicious. I did not recognize the purchase and immediately called the number I was given, but no answer. I wasnt able to fill out something on the mobile app where I showed all the transactions that I didnt recognize and submitted it. They said they would investigate and mail me a new card. However nothing was said about a refund. I need to make sure I get all my money back for that. Im a poor college XXXX, and can not afford to just lose {$100.00} overnight cause of fraud. Please get back to me as soon as possible. Thank you