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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

There were several unauthorized XXXX transactions to my checking account. I filed a fraud claim with my bank, Wells Fargo, and after they concluded their investigation, they said they denied my claim. I also filed a fraud claim with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX  reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX XXXX  transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX  XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX  XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
BANK OF AMERICA XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX XXXX and the XXXX ).
Product: Credit reporting or other personal consumer reports

Dear WEST CREEK FINANCIAL DBA, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX XXXX XXXX  COMPANY Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau XXXX XXXX is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

I was unable to get a refund from a merchant in XXXX XXXX XXXX. I subsquently filed a dispute with citibank to charge back the purchase. As of XX/XX/XXXX the dispute has not been resolved, although I have provided citi with proof that merchant agreed to refund the purchase but hasnt done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ( XXXX  ) XXXX to whom this may concern My name is XXXX XXXX and I want to file a complaint against XXXX XXXX, XXXX. Experian because the information that they are putting on my credit report is not accurate and it's fraudulent.

I have been a victim of this crime twice and this time am fighting back am no longer going to allow the credit company to keep putting fraudulent accounts on my name with out proof it's me. 
I had a block put on my credit report many years ago so what am trying to understand is how do one have a block and still criminals still some how gets a hold to my personal information and open up fraudulent account with my driver license number and my social security number and how do they get this information it baffles me every time. I lost my driver license back in XX/XX/XXXX in XXXX XXXX when I went there to visit my mother but I never thought nothing of it until I look at my credit report and saw all that fraudulent stuff on it and I made call to each and one company and nothing has been done. I even call the account holders about the account and they told me it was in my name my I.D . and my social security and there is nothing they can do about it and am not going to stand for it no more longer. it's there job to keep that fraudulent mess off of my report and if I have a block I should of been notified when account were open in my name but I was never notified about anything and when I look at my report I just seen so many fraudulent account so many different ways of my name and many address that I never live at ( like XXXX XXXX ) I never live in XXXX XXXX in my life and when I told them they did nothing about it. 
then they had a address that was a XXXX XXXX and how I found that out I live on XXXX  and when I saw the address I went to it and it was a close XXXX XXXX and I fall to the floor when I seen that.

so now am more convince that the accounts on my report are fraudulent and that's not right for some one to open up account in my name when I have a block on my name. 
I want all those fraudulent account remove from my credit report because I no nothing about any of those accounts the only I want is my name right and not put something on me that I did not do. 

Thanks XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received a Proposed Modification from Nationstar Mortgage, which I accepted via phone conversation with XXXX customer service representative, XXXX, which stated, 'If you successfully complete the Trial Period Plan by making the required payments, you will receive a modification with an interest rate of 2.750 % which will be fixed for 40 years from the date the modification is effective. ' The correspondence continued by stating, 'Step XXXX : To Accept This Offer, You must make your first trial period payment by the first payment due date designated below ' which I did. The correspondence continued stating, 'Once you have successfully made each of the payments above by their due dates, you have submitted the required signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement. ' I successfully made the XXXX trial payments and, with my attorney 's guidance, tried for months to formally execute finalization of the new mortgage without being able to contact Nationstar. Their recorded phone message cited bad weather in the XXXX area as a reason for being unable to answer the phone and I left voice messages to have them call me or my attorney which they never did. XX/XX/XXXX Nationstar sent me a mortgage modification with an interest rate of 4.50 % fixed for 40 years which we have, and are continuing, to contest as not the modification terms agreed to XX/XX/XXXX. XXXX additional documents received from Nationstar, dated XXXX and XXXX, have cited 2.750 % as the interest rate. Nationstar offered another modification at 4.25 % fixed for 40 years XX/XX/XXXX. I have continued to make my monthly payments since XX/XX/XXXX. It appears Nationstar feels they have the right to change, unilaterally, an agreement we entered into XX/XX/XXXX with impunity, even though I kept my end of the agreement. This is tantamount to moving the goalposts or changing the rules in the middle of the game when it suits them, and I feel is illegal. We are to have a court hearing XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submiting this CFPB complaint regarding fraudulent account on my credit report. I have recently discovered accounts on my credit report that I did not authorize or participate in. The account is damaging my credit score and causing significant financial harm. Specifically, the fraudulent account on my credit report : XXXX XXXX XXXX Balance : {$52000.00} ; that I did not initiate or receive. The total amount of this fraudulent account is significant and has had a negative impact on my credit score. I have taken steps to dispute this fraudulent account with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, this account remain on my credit report and continue to damage my credit score. I believe that the fraudulent account on my credit report is the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being.
Product: Credit card or prepaid card

Discover Card Disputes, Please re-open my XXXX XXXX  dispute below. This dispute is for an item not received, but was paid for in advance. An item not received is unrelated to a package being delivered, because a package can be delivered without the pants. This dispute has no relationship to delivery, and it is disrespectful that you closed it based on postal delivery. I did not ask the merchant to merely ship a package with a postmark. I paid them to truly deliver the exact items specified in new condition, good quality and on time at a safe drop location in a strong, secure, and untampered box to my house, and not my neighbors house. 

Consumers pay in advance because they trust the merchant/vendor and the credit card. There is a consumer contract in place with 2 sides. As with any contract, both sides must follow through on promises. This is not the case with the XXXX XXXX purchase transaction. I made a payment for an item that I never received from the merchant. There are countless reasons and possibilities as for why, and a comprehensive investigation consider all possibilities. It is possible that a XXXX XXXX employee never put the pants in the bag and is completely responsible for the mistake or theft. 

Case Number : XXXX Merchant Name : SP * XXXX XXXX  Dispute Amount : {$89.00}
Product: Debt collection

Hello, I am not sure what these items are on my credit but I would like them removed NOW please. This is unfair and I have already submitted a dispute to have these removed over 30 days ago but they are still there. I will attach all documents below.
Product: Credit reporting or other personal consumer reports

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

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

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

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did with Account : XXXX # XXXX. I also returned the equipment and paid my final bill after doing so the company charged me for a return fee and did not bring that to my attention. I received no letter or phone call about this bill. XXXX and XXXX deleted the account with no issues and Transunion did not. Under the fair credit reporting act, account # XXXX with 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Experian, and XXXX  by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both Experian and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX Card Services XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXXXXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as Experian and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via mail XX/XX/22 to Transunion asking for documentation in regards to 4 inaccurate accounts reporting on my report. These accounts when I attempted to dispute them came back as validated by Transunion. It is now XX/XX/XXXX and I have not received ANYTHING from Transunion. These are still reporting negatively and are drastically effecting my credibility and defaming my character.
Product: Checking or savings account

I opened a new online checking account from Citibank in XX/XX/2020. A new checkbook was delivered soon after. I wrote a first check in XX/XX/XXXX. In XX/XX/XXXX, I got notified that the check was blocked/frozen and a returned check fee {$12.00} was charged from the other bank. I had to pay the original payment and the return fee. 
I called Citibank and asked about the returned check. The reps told me that it was blocked because I did not yet activate checkbooks/check writing. 

I have never heard of checkbook activation before. There was no notification regarding activation in the envelop with the checkbook. I was unable to find any policy about checkbook activation from the document/terms and conditions I received when I have opened the account. I was not able to find any policy regarding checkbook activation in Citibank website either. 

I activated the checkbook after long phone conversations. I also got refund the return check fee {$12.00} after another long phone call, on the discretion of the supervisor, even though the fee was from another bank, not Citibank. However I want Citibank to be more clear about rules so there would be no surprises for their customers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they inform me that recovering lost funds was impossible, and that tracking these transactions was unfeasible, the CFPBs findings indicate that Zelle has not only been neglected to protect consumers, but has also allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and XXXX serious concerns about consumer safety.
Product: Debt collection

pursuant to 18 USC 8, I owe no debt. This cowmpany is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15
Product: Credit reporting or other personal consumer reports

I have sent several letters about the alleged auto loan from Santander. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks