23daVinci/CFPB_Complaints huggingface dataset:
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX  XXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are fraudulent accounts and inquiries on my credit profile that needs to be removed, immediately.
Product: Credit reporting or other personal consumer reports

I MADE A COMPLAINT TO XXXX XXXX XXXX  AND INFORMED THEM IN XXXX THAT MY ACCOUNT HAD BEEN COMPROMISED AND FRAUDULENT CHARGES MADE AGAINST MY ACCOUNT DUE TO MY CARD BEING STOLEN DURING A BIKING ACCIDENT IN XXXX XXXX. 

I ALSO SENT REPORTS OF DATA BREECHES FROM XXXX IN XXXX, XXXX XXXX XXXX XXXXXXXX, CHANGE HEALTHCARE XXXX XXXX RESPECTIVELY INCLUDING ALL CORRESSPONDENCES FILES AND INDICES PERTAINING TO SUCH DOCUMENTS. 

ADDITIONALLY I SENT A COPY OF INSURANCE PURCHASED WHEN THE CARDS WERRE ISSUED TO PROTECT ME FROM SUCH FRAUDULENT ACTIVITY SHOULD SUCH AN OCCURENCE PERTAIN. 

ADMIST ALL THIS OCCURENCES INCLUDING ASSURANCES FROM MY ATTORNEY XXXX XXXX XXXX IGNORED MY COMPLAINTS AND WENT AHEAD AND SOLD MY ACCOUNT LVNV FUNDING LLC.
Product: Mortgage

I'm contacting you today due to my issues happening on my account. Since 2020 when the account was transferred over to you guys I was not paying escrow due to me being XXXX XXXX XXXX XXXX Veteran. The action of adding the escrow caused my mortgage to double because the lender added insurance and taxes that were not supposed to be added due to me having insurance that was in place in time of closing on the home. These actions around XXXX caused my account to become delinquent over 30 days even though I have been paying my mortgage. All my current payments aren't being applied to the account correctly because I'm only paying half the mortgage payment and not the double amount that is incorrect. Me and my wife 's credit also took a huge negative blow and needs to be fixed due to all the issues occurring even though i didn't have an escrow prior to the loan transfer. my account needs to reflect correctly so someone can figure this out.
Product: Credit reporting or other personal consumer reports

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I recieved a notice my credit score dropped XXXX points from my XXXX XXXX XXXX that uses transunion credit reprting agency to create your credit profile. There was no change to my report. There is still a negative remarks from XXXX XXXX XXXX that needs to be corrected. There was no change or additional comments to my report about this drop. I provided screenshots. I will be seeking legal council regarding this with my attorney XXXX XXXX. I will file motions against transunion if this isn't corrected. There is no information that has changed and I'd so I need an explanation and a XXXX good one for a XXXX point drop. I want a phone call from a transunion rep immediately with an explanation or some kind of proof into such a large drop.
Product: Checking or savings account

On XX/XX/XXXX, my wallet was stolen as a result of my car window being smashed. I reported my cards as stolen to Chase and canceled my debit and credit cards. I reported it to the police immediately and filed a police report On XX/XX/XXXX, I went to use my debit card and it was declined. I went onto the Chase app and I had negative funds and my account was frozen. Confident that I was not the cause of an overdrawn account, I called Chase to clarify. 

On XX/XX/XXXX, a check was deposited into my account for {$3800.00}. I did not deposit this check, nor do I know the owner of the check. Then that same day at the XXXX XXXX XXXX Chase branch in XXXX, WI, someone withdrew {$2500.00} out of my account. I am assuming they used my ID as it was in the stolen wallet. The person forged my name and signature on a withdrawal slip. This was all allowed to happen even though I had reported my cards as stolen. A canceled debit card was used at the time of withdrawal. 

On XX/XX/XXXX, I went into the XXXX XXXX XXXX, WI Chase branch to take care of this situation. I provided them with a police report and a fraud claim was filed. 

On XX/XX/XXXX, I opened a new Chase account at the XXXX XXXX XXXX, IL branch. The banker also indicated that all my auto pays would directly default to my new account for one month. At the time of opening my new account, I had no funds because they were stolen from me so I had no money to go into the new account until my fraud claim was settled. 

On XX/XX/XXXX, I was informed that my new Chase account was now frozen because some of my auto pays tried to charge my account but as stated above, I had no funds because XXXX they were stolen from me and 2. I was told not to worry about my auto pays because they would be covered by the new account ( which had no money in it ). I returned to the XXXX XXXX XXXX branch on XX/XX/XXXX to resolve the issue. At this time, I was told that Chase Fraud never received my police report and so no progress had been made by the fraud dept. The very helpful branch manager called to try and resolve the situation but the Chase phone operators told them that my new account is locked and will remain locked because of insufficient funds ( again I have no ability to put in funds because of the fraud claim ). Chase also told me I would have to open a THIRD account because my original account and new account were compromised. 

To this date, XX/XX/2023 I have waited 10 days for Chase settle my fraud claim and return my money. I have also been locked out of my bank account since XX/XX/XXXX. In this situation, I feel that I did everything right. I immediately reported my cards as stolen and canceled all cards. Chase allowed someone to make very large withdrawals, two hours away from my home using a debit card that was reported as stolen. I have spent countless hours trying to resolve this issue and I still remain without my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit report. As a victim of a recent data breach, I am invoking my rights under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ) to request that any fraudulent or unauthorized inquiries be deleted from my credit report to protect my financial integrity. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A month ago I received emails from XXXX  saying I opened a credit card. I did not so I called the help line and they got XXXX down immediately. 2 Weeks ago I received 8 different emails from XXXX about an account being set up. I dont even work for the military, neither do my parents so how that got approved is beyond me. Luckily they shut the account down. Today I notice 2 Pnc login passcode attempts so I call and tried to speak to a lady then got disconnected. I speak with a next man an he just says sometimes it glitches. I told him well I am concerned because someone has been stealing my info. He just said that nobody can get in my account without the passcode.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Im a victim of some fraudulent activities. And I want it looked into asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX show a balance incorrectly and that the account was unpaid charged off.. closed by credit grantor.. is false and incorrect information
Product: Debt collection

SEQUIUM ASSET SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1600.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$2000.00} Balance Updated XX/XX/XXXX The information above is another debt collector, possibly the 3rd I am not sure. I disputed this debt which was through XXXX XXXX last year. XXXX sent me an update in XXXX XXXX stating that it was removed from my credit. It was sold off to this new debt collector SEQUIUM ASSET SOLUTIONS which the only phone number online to call them is an 800 number and it only allows you to punch in an account number and pay a debt. I disputed this AGAIN with XXXX, the results came back as the debt is " accurate '' This is a debt that originated in XX/XX/XXXX somewhere in the south XXXX XXXX area. I have never lived down there, I never had accounts with XXXX XXXX, I called XXXX XXXX last year, they sent me paperwork to dispute it. I thought it was done, but it's back again and It has taken up so much of my time, destroyed my credit which I try to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 
After reviewing my credit report and after much research, I notified XXXX XXXX and transunion to verify bankruptcy info on my reports. 
They responded saying they verified using a 3rd party, XXXX XXXX, but my XXXX XXXX account is frozen. 
So how were they able to verify using that source. 
And XXXX XXXX has no permissable purpose to report 3rd party info as well as the credit bureaus dont have the right to report BK because they didnt do due diligence or verification directly from the court house. 
They must verify where they got the source of info from. 
Therefore I am filing a complaint to have the bankruptcy public record removed from my XXXX, XXXX, and Transunion report.
Product: Debt collection

XXXX XXXX has violated several of my consumer federally protected rights. XXXX XXXX is a debt collector as defined in the Fair Debt Collectioj Practices Act. I sent XXXX XXXX Exhibits showing exactly how they have violated me as the consumer and I labeled each violation clearly from the FDCPA. 

Violation 1 - 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt.

Violation 2 - 15 USC 1692d ( 2 ) the term debt is obscene and profane language to me the consumer Violation 3 - 15 USC 1692 ( f ) ( 8 ) a debt collector may not use any language or symbol on any envelope and XXXX XXXX in fact has a logo on their envelope Violation 4 - 15 USC 1692c a debt collector can not communicate with the consumer without the consumer permission to do so 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation I never gave XXXX XXXX XXXX to speak to me I never gave them my information. 

There are more violations in the attachment with the affidavit of fact that I sent to XXXX XXXX in which they have received.
Product: Checking or savings account

On XX/XX/year>, Citibank closed my account claiming I violated their terms and policies and closed my business account claiming " Fraud ''. They froze my money in my business account as well as my personal account. They informed me that they will be sending out a letter explaining why my account was closed and they will be mailing out a check with my funds 30-60 days from closure. I received that letter of explanation, and all it said that the reason why they closed my account was because " I violated their terms '', and they could not give me any further information about exactly what terms I violated because it " goes against their guidelines ''. I had no choice but to wait for the 30-60 days period to pass and I would be able to get my money. It has been 70 days and I still haven't received my money. I contacted the bank customer service asking for an explanation as to why they haven't sent my money and how long would it be until I received it. The response I received was that " they have no idea when I will be able to get my money ''. I went into the local Citibank branch, and while the banker was very friendly and called their back office, she also got the news that they had no further information and they had no idea when I would get my money. To me this is stealing my money. They have no right to hold my money and not release it to me. I have mortgage and business and kids to feed. I would like to get my money out of that bank.
Product: Debt collection

Credit Collection Services has violated my rights! Your company has tried through different mediums to contact me. Stating openly that you are attempting to collect a debt in the amount of {$74.00}. The envelope and contents of the mail contained the nature of the communication and a possible consequence if I did not comply. Pursuant 15 USC 1692b ( 5 ) CCS violated my privacy by listing the alleged business matter in the contents of a mailed communication while threatening my reputation.
Product: Prepaid card

I filed my claim with Bank of America and they have yet to resolve my credit to my account and its been months now. They said they resolve something but I have not received anything but a dollar for transactions on my card that I used at the ATM now I have three claims out there right now and they were all denied and then opened up for reconsideration so I dont know what my next step is. I keep reconsidering each claim and they keep adding on a dollar or XXXX dollars credit but not the full amount of {$13000.00} is XXXX XXXX and XXXX because I have two separate cards that this happened to you and yet nobody could help me take care of the credits the first time
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block, Inc. ) due to the inadequate customer service An unfair practices, Which violates the consumer financial protection act ( CFPA ). Specially, Cash app failed To take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair a deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX  XXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than XXXX years ( with limited exceptions for criminal convictions ). At least XXXX or more of these accounts contains data that is now obsolete and should be excluded from my credit report. 
Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose. 

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of Delinquent Child Support Payments, on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments do not arise from credit Transactions and should not be reported on credit reports. 

I request that you promptly review my credit report and remove the Child Support Account. I have enclosed supporting documents supporting the inaccuracy of these entries.

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written conformation of the removal of the Child Support Account from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution Sincerely, XXXX XXXX
Product: Debt collection

This seems to be a medical claim I had XXXX insurance companies and therefore no medical bill should be on my credit report this looks as if it was a XXXX for my son that did not go to the insurance company it 's being reported on my report as if it 's current it 's old and should have been billed to XXXX and united health care I do n't owe for this at all this is reported multiple times and re aged which is illegal
Product: Credit card

I was offered a XXXX XXXX credit card and I specifically told them I did not want it. Somehow they opened one anyway. I did not get the card. That card was charged for purchases anyway. I called and paid my balance and did not know I was already charged interest. I have tried calling and keep getting different stories about the status of the account. Today my daughter was helping me. We called, I closed the account and paid the balance - which is all interest - even though I do not believe I should owe any balance as I did not want the card in the first place. I am now worried I have been reported late to the credit bureaus. I pay my bills on time and this has been a very distressing experience.
Product: Checking or savings account

On Friday XX/XX/XXXX, I called Chime Bank about the closing of my checking account. They told me that they couldn't provide me with details for the reason they closed my checking account. Now the only reason I think that they closed my account because back in XX/XX/XXXX, I disputed a few charges that was made to my account. XXXX, of which I disputed a charge from XXXX for {$180.00} and I had to wait weeks to even get an answer. Another charge I ask to be disputed was a charge totaling {$2600.00} from XXXX XXXX on XX/XX/XXXX & XXXX. Now mind you, before XXXX hours of filing the dispute, they had an answer for my dispute which was declined and I reopened the dispute and followed the same proceeding that they told me to do and once again before even looking into investigation, they denied my claim again and I never received my money from those charges that were unauthorized without my permission. Next thing I know, I get an email saying that my account will be closed on XX/XX/XXXX. I need to know what is going on and I need my money back. I have been having a hard time paying my bills and I asked once again about my dispute and they refused to give me an answer to it. Losing money like this has taken a toll on me.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX