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

To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/2024. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( s ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND XXXX  HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX XX/XX/XXXX? XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Days of receiving this complaint. This information consists of a cell phone account, XXXX account number ( XXXX ) A medical bill account number ( XXXX ) A car loan, Account number ( XXXX ) And a credit card account, Account number ( XXXX ) these accounts has resulted in several fraudulent hard inquries and collections appearing on my consumer credit FICO report. All of the aforementioned accounts, are the result of identity theft. i have attached a copy of my FTC report, as proof that these accounts are fraud.
Product: Debt collection

Earlier in 2021 I received a call from Miriamed Revenue Group indicating I had an outstanding debt with XXXX XXXX XXXX. I informed the agent calling that I believe I had already entered into a payment arrangement with another agency, therefore disputing the validity of the debt. I never received any information about my dispute, and months later learned they had placed the account on my credit bureau, lowering my score almost 30 points! 
Today, XXXX, I received another call from them. They told me they would be willing to settle my debt for 75 % of the balance, and if I paid, they would remove it from credit. 
The agent proceeded to over talk me, and tell me I am wrong as well. 
This agency never extended me credit, and it is clear now after this conversation, they placed this on my credit for one reason, as a weapon to use against me and force my hand to pay the debt. I will pay the debt, but i want this removed from my credit immediatley and I would like this company sanctioned.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

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

This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXXXX/XX/XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account. XXXX XXXX XXXX XXXX Account Number : Number : XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX amount XXXX $ I would like this off my credit because when this issue happen I was XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I hope to get this issue solve soon and hope to hear back soon god bless and have a nice day.
Product: Debt collection

XXXX  bought in  XXXX  an Identity Theft debt from Barclays Bank which was disputed in   XXXX  , Barclays had already removed it from CRA and then started to report it again. I have disputed the account through  XXXX  but they have not yet mailed me the requested documents.  Barclays say s the account belongs to  XXXX , I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX of 2021 and we received a call from a company saying that they were lending tree a loan office alone company offering me an approval for {$10000.00} installment loan they would not take my bank account information so I thought that was a little bit fraudulent when I tried to give him my bank account information then they said that they didn't work with them that they were unable to put my funds and deposit my funds on to my bank account so the guy proceeded to let me be on the line with him to go to the nearest XXXX XXXXl or near store and purchase an XXXX gift card so that they he can give me a control number I stayed on the phone with him all up until he hung up on me and would not call me back and would not answer any of my phone calls I bought a {$50.00} gift card originally he wanted {$100.00} gift card but I was only for able to afford {$50.00} I'm so I got an XXXX card from my local XXXX XXXX then he proceeded to say that I was waiting for a control number which he then cut the conversation off after an hour and a half two hour conversation I have not received my loan he did decide to take a copy of my driver 's license front and back to do a XXXX XXXX which I thought was really weird normally loan officers do not take people 's IDs and agreed to send it XXXX XXXX or it's not XXXX but it's XXXX to XXXX sort of XXXX that's what it was XXXX so I'm out {$50.00} I have tried to call this company I don't know 500 times to work with them I did get a hold of him one more time it was a text now number the number was XXXX and then there was another number XXXX this is not the first time this is like the second call I've gotten like that that they were fraudulently acting as if they were alone officer company like lending tree I'm going to send you three screenshots and text messages of what I've received so that maybe you guys can track down these fraudulent people trying to swindle their way out of money I would like compensation I'd like my {$50.00} back I would like my gas money and my time and since it is covid-19 and I don't get out much it's you know I'm struggling to pay my bills and they are taking advantage of me wanting a loan I don't know if my credit has been compromised if it is I want my credit fixed I don't know if they've done anything with my identity I think I've been evicted my video identity theft I'm probably going to file a police report against these folks I do have numbers today it was this morning starting at XXXX this morning one company wanted me to send them XXXX XXXX XXXX XXXX information it was XXXX XXXX XXXX XXXX XXXX I will send you all the screenshots that I was supposed to send that one was {$110.00} I don't know exactly what their what company they work for but all these people are trying to swindle people out of personal loan money their identity their money I want compensation for it I believe that I am owed at least a couple hundred in compensation I will send you screenshots attach it to this emailThe
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have had a data breach with XXXX they have my stuff on my dark web and sold my information also on experian I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!
Product: Debt collection

I have recieved various, threatening, partially recorded voicemail messages stating they are trying to locate me and repeating that it's the 2nd or 3rd attempt to reach me but leave no details of how to call back or what the contact is in regards to.
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to receive a direct deposit from the XXXX  XXXX XXXX XXXX. The next day, on XX/XX/XXXX I discovered my account was closed by Wells Fargo. I contacted them and spoke with a represenative that confirmed my direct deposit will be rejected and be sent back to the sender ( XXXX ) in XXXX business days. On Friday, XX/XX/XXXX I contacted XXXX to see if the funds were returned and they were not. I contacted Wells Fargo to see if they returned the funds. A represenative from Wells Fargo said they are unable to see if the funds were rejected because my account was closed. I asked if there was an account the rejected funds would go into and then be sent out of and the representative said they do not withhold the funds when the account is closed and it immediately rejects back to the sender in XXXX business days. The sender ( XXXX ) confirmed with me they have not received any of the funds back from Wells Fargo. The rep from Well Fargo also said there no is possible way to search where the funds are and there was nothing they can do. It has been roughly 6 days and no one is apparently able to investigate where my funds are. My school still has not received the money back from Wells Fargo and Wells Fargo states the funds were sent out in XXXX business days and there is nothing more they can do. I do not believe this. I believe Wells Fargo has my funds that were sent by my school. They have been extremely unhelpful and rude about this serious matter. It is XX/XX/XXXX and I have yet to receive my funds nor has my school received the funds back from Wells Fargo.
Product: Consumer Loan

I had to open a case with the XXXX Department of Consumer Affairs. When I bought my vehicle, the purchase order said one thing, but when the promissory note arrived from the bank, there was an unnecessary extended warranty included, plus an unnecessary paint treatment. Both of those things added up to approximately {$7000.00} with interest. I asked the dealer to redo the loan, but they didnt. I have an appointment with the Department of Consumer Affairs on XXXX XXXX. Nonetheless, FirstBank has been making constant threats against me. They call me up to four times a day. Theyve visited me four times, threatening to repossess the vehicle : a XXXX Ford F150. I told them that I have an appointment on XXXX XXXX, and that if they want the vehicle before the Department of Consumer Affairs decision is made, they would have to get a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.
Product: Credit card or prepaid card

Um, people are not receive the unemployment card at all. O never got mines and I been trying to get one for four mouths nothing. I just try to call no answer no response. You stay on hold for two hours. Like, if you say that a lie then you XXXX lying ... Sorry to say that. Like, that my hard working money on the card which I didn't get. I just want the unemployment to cancel your guys card and send the money to my personal account no response at all and the unemployment card still haven't show and it has all my benefits on there idk what to do.
Product: Student loan

Mohela has fraudulent practices. I contacted Mohela in XXXX of last year when I found out repayments would start up again to start the process. During the pandemic I was paying off my student loans, so I am actually near payoff. What was discussed over the phone was not the payment plan I received, mind you late, just before repayment was due. If you look at my documentation, I was actually on another plan which is what I discussed with the Mohela representative in XXXX and initially received a payment schedule for that plan in XXXX and then it was switched within days to the XXXX plan in XXXX. That's not what was discussed. I went from a payment for less than {$200.00} to nearly $ XXXX. After several attempts to get someone on the phone in late XXXX, I requested the plan be changed. I was told I would hear back in 30 days and that while they evaluated my account, they would pause payments, but I would accrue interest. I called again and asked for a supervisor several times which they never complied with. In the meantime, I requested for a freeze/hold on accessing my bank account while the matter was resolved. They complied for XXXX month and then attempted to pull funds from my account through autopay when I had not reauthorized it. For the next remaining months in XXXX, I received notification on a pause until XXXX. I have asked several times for the loan repayment plan to be changed and that has not happened. Their communication is terrible and when you call and are actually able to get someone on the phone, you only ever encounter trainees who never escalate the issue to supervisors. My existing payment schedule makes no sense which despite it not making sense, I am trying to slowly pay down. As of today, nearly {$1000.00} of interest has been added when I have nearly paid off the loan. I have less than {$1000.00} remaining. They were trying to charge me nearly $ XXXX a month on account that had less than that for XXXX months. I am using my savings at this point to pay off my student loans. This isn't right. I actually was paying my student loans on-time for years and during the pandemic before this restart.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. 

I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. 
PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. 

Again, I am demanding a re-investigation AND the method of verification with the information furnisher. 

Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to account # XXXX I've been asking XXXX XXXX to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX. 

I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that. 

XXXX XXXX XXXX confirmation number of my payment. 
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). XXXX XXXX stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve. 
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to XXXX