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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} 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 XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 permissions and instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is an account that is a result of identity theft this account does not belong to me. I have requested in the past XX/XX/XXXX method of verification which includes a signed contract with my signature that shows I opened this account. My address at the time the account was opened as well as now differs from the address the bank had on file at the time. I have provided an FTC complaint, police report, and notarized statement for this fraudulent account. I have also provided proof of my address at the time the account was opened. I am requesting the proof you possess that allows you to continue reporting this account as none has been provided but I provided all the proof that is needed to completely deem this item as identity theft. Please provide your method of verification and if you can not verify this item, or if there is any inaccuracies shown in this, which one I have pointed out is my address verification in XX/XX/XXXX which shows that it is not verifiable that this account belongs to me, you are required to stop reporting immediately. 

The address at the time account was opened is ( Unverifiable and Inaccurate ) I have never lived at that location. 
A contract that has my signature and proof that I opened this account ( Unverifiable ) Who actually opened the account ( Unverifiable ) I have outlined several instances paired with my Identity theft information that shows this account can not be verified as mine. Show me what you have, which is allowing you to continue to report this fraudulent item. 

This mark is hurting my credit and making it impossible to obtain credit and housing. I have attached my police report, FTC complaint, notarized statement of truth, and proof of address from XX/XX/XXXX. Please help me resolve this matter.
Product: Checking or savings account

On Monday, XX/XX/XXXX I noticed there was a debit/hold on my checking account for {$1500.00}. I called Bank of America and spoke to XXXX and then XXXX from the claims department. He told me they did not know what it was for and could not tell me until the transaction was processed. On Tuesday, XX/XX/XXXX, the debit was processed and I called back at XXXXXXXX XXXX when they open and spoke to XXXX. She was more than happy to try and help me, but could not. She transferred me to XXXX in the fraud department who told me it was a debit from XXXX XXXX XXXX for a forged check that was missing endorsement. The check in question I deposited on XX/XX/XXXX was from XXXX XXXX XXXX XXXX XXXX for a claim they paid. The check was made out to my husband and the check was endorsed by same. Bank of America then told me there was nothing they could do even though they had no back up or paper trail for the debit from XXXX XXXX. I then called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX who told me they have no record whatsoever of the " forged check '' from XXXX XXXX. The claim # for my report to Bank of America is XXXX and the call reference # for my complaint to XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX will not speak to me because I am not a customer. Thank you.
Product: Checking or savings account

I have been outside the country since XX/XX/year>. Upon my return, I discovered that my Bank of America account, which had previously held my XXXX XXXX XXXX  ( XXXX ) compensation, was empty. I initiated disputes concerning several transactions ; however, my claims were denied despite the substantial evidence and documentation I provided. This constitutes my second formal complaint regarding this matter. Furthermore, I contacted the news outlet " XXXX XXXX XXXX XXXX, '' which subsequently provided documentation indicating that Bank of America denied my claims. My initial dispute with Bank of America was for {$17000.00} ; however, upon reviewing my statements with my attorney, I have been advised that the total amount stolen is actually {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im am a victim of identity theft and as a result, there are accounts on my credit that I have no knowledge of. Please remove and block these accounts from my report as it is causing stress and hardship.
Product: Consumer Loan

I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself.
Product: Money transfer, virtual currency, or money service

From XXXX to XXXX XXXX, a series of wire transfers were done from Wells Fargo Bank to what I was led to believe was a legitimate Crypto Currency Platform known as XXXX. 
I was over the age of XXXX when these transfers were done. All of the funds were personal retirement funds accumulated over my working life. The total funds wired was approximately {$150000.00}. Some of the Wells Fargo wires were done on my phone with the direct involvement of the scammer. Subsequently, the wires were done at the Wells Fargo branch. I had rarely taken any money from my retirement accounts. After several wire transfers, Wells Fargo did perform an investigation and advised that this was something called a " pig butchering '' scam. I contacted law enforcement who confirmed this. My issue is that there were not sufficient safeguards on the Wells Fargo Platform to prevent this fraudulent scam activity. Wells Fargo Bank and specifically the wire department should have discovered the fraudulent scheme sooner. By the time, the scam was discovered the damage was done. My financial loss is {$150000.00}. The wires went to Banks like XXXX XXXX XXXX XXXX. al. The receiving banks should also have alerted Wells and in turn me about the scam.
Product: Debt collection

My wages were garnished by Midland Credit Management. Each time my employer forwarded a payment to MCM they reported a lesser amount of payment to the credit bureaus. When I inquired about it they said they deducted from the payment for interest, although they constantly added interest to my balance several times while I was being garnished. ( Reporting a false amount is wrong regardless of the reason ). When I called MCM I asked if I had any other accounts with them. The representative informed me that there were three other accounts. I asked her for the balance. She said the balance is XXXX on all three accounts and they were closed. I asked for the previous balance and she said she could not see that amount because the balance is now XXXX. I asked for the name of the original creditor and she informed me they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, all three of my credit reports still showed a balance for three accounts after three weeks. I phoned MCM again and inquired if I had any outstanding accounts with them. I didn't mention my previous conversation with their representative. The second representative said the exact thing the first representative said. The three accounts were closed and the balance is XXXX. I asked if they would update that information to the credit bureaus. I waited a couple of weeks and the information remained the same. I disputed the information to all three credit bureaus. The three accounts on XXXX stayed and the balance increased and then decreased by the same amount. The three accounts were removed from XXXX. After some time they returned to my XXXX report. The balance increase and then decrease by the same amount. The same with XXXX. They continue to remove one or more account, report it back, increase the balance, and decrease the balance to all three credit bureaus. Each time they perform an action they are negatively effecting my credit score. I am trying to get back on my feet after a tragedy that set me back financially. MCM is making it hard for me to do that with their illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. <P/>I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. <P/>1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. <P/>2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! <P/>3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

after viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own. DEBIT COLLECTION NAME, XXXX XXXX XXXX  ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit card

AMERICAN EXPRESS RECIEVED CHARGES FROM A FRUADULENT XXXX ACCOUNT THAT WAS OPENED WITH OUT MY PERMISSION. MY ACCOUNTS WERE COMPROMISED AS A RESULT OF FRAUD ACTIVITY. 

I the XXXX charges that are being billed from XXXX are not valid charges, they are fruad made by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} DISCOVERBANK XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Debt collection

I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.
Product: Credit card

I recently called Capital One regarding fraudulent charges made to my Capital One credit card. The charges posted on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$54.00}, {$7.00}, and {$35.00} respectively. During the call, it was identified there were subscription charges in the amount of {$14.00} monthly beginning XX/XX/2022 and other unknown charges. 

I advised the Capital One rep, that these were fraudulent charges, not authorized by me, and certainly not made by me- I do not hold an XXXX account. 

The card was closed and a replacement card was ordered. The CaptialOne rep explained that there would be temporary credits to my credit card account however, the temporary credits will not be reflected in the balance until the investigation is complete. 

I received correspondence from CaptialOne explaining that there was insufficient evidence and that the temporary charges would be applied to the account leaving a balance of {$220.00}. NO details were included in the letter of the efforts of a thorough investigation. I am not responsible for these charges and CapitalOne needs to do a better job at performing a credible investigation and advocating for its clients against Fraud like XXXX.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX 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: Debt collection

PROFESSIONAL BUREAU OF COLLECTIONS reported to the credit agency on an account before making any contact with me upon receipt of the account. Per the Fair reporting Act ( FCRA ), PROFESSIONAL BUREAU OF COLLECTIONS should have contacted me first to give me a chance to address this account prior to taking derogatory actions with the credit reporting agencies under their name. During a recent phone conversation, a PROFESSIONAL BUREAU OF COLLECTIONS employee screamed at me that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of 2020, which is an error. Without confirming the facts, The PROFESSIONAL BUREAU OF COLLECTIONS employee threatened me by saying he was going to place this claimed amount on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX  Credit Card ( see attached XXXX invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.
Product: Mortgage

Freedom Mortgage acquired my Mortgage from XXXX XXXX XX/XX/2015. I paid XX/XX/XXXX and XX/XX/XXXX payments in XXXX 2015 from their website. Beginning XXXX, I set up autopay for bi-weekly payments of {$1000.00} + additional {$50.00} in principle with each payment. 

Since XX/XX/XXXX, I started getting letters that I did n't make a payment. After number calls to resolve it with them, there was no resolution and they reported delinquency to XXXX and XXXX credit agencies. I disputed with both of them by providing bank statements but there was no action.
Product: Mortgage

In XX/XX/XXXX I was one month past due on my mortgage payment. On XX/XX/XXXX I purchased a cashiers check from XXXX in the amount of two months payments made out to my mortgage company Chase JP Morgan. 
About three weeks later, a bank employee from XXXX XXXX notified me that a cashiers check drawn on JP Morgan Chase bank in the exact same amount of the cashiers check sent in for my payments was sent to XXXX. The cashiers check was made out to XXXX XXXX, not me. 
I immediately contacted Chase bank to inquire why they did n't apply my payments properly. I was told that they had no knowledge of this transaction, but that I was now 90 days in arrears and being placed in foreclosure. If I wanted to avoid foreclosure, I must immediately send in over XXXX in back payments, late charges and attorney fees. 
I waited until XX/XX/XXXX, called again and was told my only option was to modify my existing loan and the payments would be added to the new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax since XX/XX/2021 begging to remove dispute remarks because Im trying to buy a house. I should have a had a full approval by now this is XXXX ..the house will be finished in XXXX and every time I call they put the items back in reinvestigation theyll hang up or put me back in Q. Very rude you have to keep repeating yourself and at this point Im thinking its deliberately being done. Please HELP! Im just not understanding why are they refusing to help me one account has never been late the other account is a negative account Please someone please help ...
Product: Mortgage

I am very past due on my mortgage so I applied for mortgage assistance. Well it has been a very long process where the underwriter keeps requesting more documents that have nothing to do with me or my loan. In short this loan is in my name only and given to me without any co-borrower, not even my husband. Well now that I am applying for assistance, the underwriter keeps requesting income and expense proof for my husband 's business and expenses. I have repeatedly written letters to explain that these things only belong to my husband who by the way does not contribute what so ever to the mortgage because it is only in my name. Last thing they requested was a XXXX for me for XXXX from XXXX which is my husband 's business. I wrote them a letter to explain that I was not a XXXX employee in XXXX, I only became XXXX in XXXX of XXXX. They now have denied me saying that I did not provide documents. I have provided everything they asked for in regards to my income and expenses. How can I provide a XXXX when I was n't XXXX at the time? Please help me, they are only interested in taking my home from me and not helping me. Also, they are trying to force me to give them documents that belong to my husband. He is not on the loan and is not willing to give those documents or help me with anything. Please help me keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.