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

This is my 1st 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report regarding multiple violations of the FCRA these accounts listed in attachment letter has many discrepancies that need to be addressed. I request immediate removal and compensation for each violation violating my rights. See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Reporting Agencies are not giving their all in order to remove the accounts from my Credit Report that resulted due to Identity Theft. The Credit Bureaus failed to comply with the FCRA regulation section 605b and continued the reporting of the Disputed Items without proper Verification despite all my efforts to inform the Credit Bureaus regarding the matter. I have been sending multiple written appeals to the Credit Bureaus asking them to remove the accounts the fraudulent accounts completely from my Credit File. On my Previous letter sent on XX/XX/XXXX, I emphasized the importance of the Fair Credit Reporting Act section 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I am a victim of Identity theft and I never received any benefits from the theft of my Identity. The Credit Bureaus can not decline to remove these accounts since I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions. I am Submitting this complaint today to remind the Credit Bureaus that they have to comply with the Federal Law FCRA section 605b and remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

My accounts are being brute force attacked regularly and they suggest " chatting '' with their non-existent chat line. When that didn't work, I received an autoreponse to my ignored email I sent to them. I just want my accounts refunded and closed permanently because of their piss-poor approach to security. 

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

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX  & XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : Inquiry Removal Letter 2 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting

I was just hired for a job. When they did my background check, they said there was another name was tied to my SS number. I went to the annual credit report website and tried to get all XXXX credit reports. I was not able to view them at all. They said it was due to discrepencies with my identity. 
I need my reports so I can view them in order to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to have TransUnion provide me with the correct address as to where I can find the information from XXXX County Court house. They sent me back a letter saying it was verified and they have the address as XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX. Well I have a letter stating that is was verified and they don't verify anything at this address case # XXXX. Also, TransUnion did not mark item as being disputed and this is a violation of the FCRA. I would like them to remove any Bankruptcy they have on my report.
Product: Credit reporting

I disputed a few items on my credit report from Equifax and it 's been like 75 days and the disputed items are still in a pending status. I 've called several times and a representative never answers the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.
Product: Money transfer, virtual currency, or money service

One week ago, someone walked into a Chase bank ( while I was out of town ). This person some was able to obtain my checking account info ( I presume w stolen, cancelled credit cards and my old ID ) and then completely drain my checking account. I called immediately when I saw the withdrawal from my account and I was told that since the debit was pending I needed to wait XXXX to XXXX hours to the transaction to clear. When it did the next day and I saw the scanned withdrawal form with my forged signature. I immediately called Chase and they told me they would send me a fraud packet and that hopefully I can recover the {$1300.00} from my paycheck. One week later, no packet, let alone a refund. My account is frozen. I couldn't make my rent or credit card payment in time due to this. I feel violated and appalled by all this.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Vance and Huffman would verify the debt. So I took it upon myself to ask Vance and Huffman for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

I received a Locked Loan Estimate from Rocket Mortgage which showed a Lender Credit and NO Discount Points. This was for an 85 % Loan To Value with Mortgage Insurance. I asked if this was approved and was reassured these were the accurate terms. I later received a Closing Disclosure at 80 % LTV with over {$9000.00} in Discount Points with no Lender Credit. I asked why this changed, and they said Loan Estimates are just an Estimate. There is no assurance the Lender Credit or Discount Points do not change. I know that this is not good business and is not accurate. If you disclose an interest rate with no Discount Points and a Lender Credit you can not add Discount Points and remove the Lender Credit without a valid change. In this case my Loan to Value was reduced to 80 % which is an improvement in terms, and does not support an increase in closing costs to me. We had a 2nd issue with Rocket Mortgage where we were required to payoff a truck in order to qualify. I didn't realize until I received my final XXXX at closing, that they disregarded my bonus income that I have earned and documented for over 2 years. The result was {$28000.00} less in cash in hand which we expected to improve our home. We had a 3rd issue with Rocket Mortgage regarding our Payoff Demand. When we received closing documents we noticed the payoff demand did not reflect our most recent mortgage payment was made. We did not want to over pay and wait for a refund from the paid off lender. When we requested Rocket Mortgage obtain an updated payoff demand before we closed, they told us our only option was to cancel and re-start the loan. I have this in writing. Why would I cancel my loan and start over for a simple payoff demand update. Interest Rates were increasing at a rapid rate at this time, and I can only assume they treated us this way because the didn't want to honor our interest rate of 3.875 %. It was better for Rocket Mortgage to have us cancel our loan because they wanted us to payoff our truck, and not update the payoff demand, then to work through the issues with us. They also overcharged us for our interest rate when looking at our Locked Loan Estimate versus our Final Closing Disclosure. The Loan Amount went Down, there should not be a removal of Lender Credit or increase of Discount Points for a lowered loan amount. We felt we had no choice but to close the loan, or face cancellation from Rocket Mortage, and get a much much higher interest rate if we didn't accept the forced terms.
Product: Credit reporting or other personal consumer reports

TransUnion, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter
Product: Money transfer, virtual currency, or money service

Received phone call from an individual claiming to be calling from the XXXX XXXX Fraud line. The number displayed on my phone was the XXXX XXXX Fraud number as I verified that. He already had access to my account information leading me to believe he was a legitimate agent. The individual asked if I had authorized any bank transfers to an individual who was repairing my roof. I had not. He then told me he would help to intercept the attempts by setting up dummy wire transfers and directed me accordingly. Two such wire transfers were done from my XXXX XXXX saving account to a XXXX Account and individual. Likewise he instructed me to do the same thing from a PayPal account. The total $ were {$26000.00}. I have notified XXXX XXXX and they are investigating this. They provided me with this information and also suggested that I submit a police report. 
I have since changed my online access. 
He claimed his name was XXXX XXXX from XXXX North Carolina. The phone number he provided did not ring through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX fraudulent accounts on my credit report. XXXX XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX. While I provided a police report and FTC report Experian has refused to remove these fraudulent accounts on my credit report. They claimed the account was verified and I replied back to Experian requesting proof of the validation to which they ignored. By my FCRA rights, I have the right to request evidence items verified on my credit report. And Experian furthermore has failed to respond to me within 31 days. I will be seeking legal actions against Experian for Defamation, Negligent of Enablement of Identity Fraud, and Violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report.please remove that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account is fraudulent and unauthorized. I do not have any knowledgement of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was sent a letter saying that my debt was validated. Which I find to be outrageous simply because the debt is not my debt. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Providing anything less than this is a violation! Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Checking or savings account

My home burned andXXXX I recieved a large insurance payment in XXXX and XXXX. My debit card was replaced ( not by me ). This happened several times I reported it to Capital one. I reported my laptop to stolen and my debit card, I have a police report for this computer. I resolved several transactions that were fraud and e bank resolved them in XX/XX/XXXX But as more were noticed the bank has stopped calling me back and has closed my account as of XX/XX/XXXX. I called and tequested the last four digits of all my debit cards to resolve the fraudulent charges directly with the companies but can't even get a call back from the bank. I can't access it to review my statements. The changes are : {$1300.00} with an unknown company, {$2000.00} person to person transfer with XXXX, {$950.00} with XXXX listed as store # XXXX ... .. Many more, please help mediate to resolve Capital One ignoring me. I would like for the bank to simply answer my calls or forward the last four to each debit card and allow access to my statements as some show whether it was an online purchase as opposed to in store.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 



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
Product: Checking or savings account

In our complaint we maintain that Wells Fargo took a line of credit that was in my name only, paperless without our knowledge. This line of credit was apparently tied to our joint checking account as overdraft protection after we thought it was closed out. The result of Wells Fargos action made this line of credit invisible to us. My wife could not see the line of credit on-line since it was in my name and I did not use Wells Fargo on-line . If we were receiving monthly statements for this line of credit over the last 10-12 years, there is no way we would have run it up to {$30000.00} and incurred all those interest charges. We believe that Wells Fargo should remove all the interest charges from this account Wells Fargo is pleading ignorance based upon WFs seven-year retention policy ( implying they have no record of how this account went paperless ).
Product: Credit reporting or other personal consumer reports

Notice to agent is a notice to principal, and notice to principal is a notice to agent. 

Dear XXXX I received your response to my dispute, and I am compelled to address the misconceptions and violations of the Fair Credit Reporting Act ( FCRA ) contained therein. 

Firstly, 15 U.S.C. 1681s-2 holds all furnishers of information, including loan servicers like XXXX accountable for complying with the FCRA. This section imposes a duty on furnishers to ensure the accuracy and completeness of information reported to consumer reporting agencies. However, only creditors have the authority to furnish information, as stated in 15 U.S.C. 1681a ( f ), which defines a creditor as " a person who regularly extends, or other than as a creditor, regularly arranges for the extension of, credit. '' By furnishing information related to my XXXX XXXX XXXX has violated the FCRA in several ways : - Reporting inaccurate information ( 15 U.S.C. 1681e ) - Failing to obtain my permissible purpose ( 15 U.S.C. 1681b ) - Failing to provide clear and conspicuous disclosures ( 15 U.S.C. 1666b ) These violations have caused me significant harm, including : - Lost time and effort in disputing the inaccuracies - Denial of credit opportunities - Damage to my reputation and credit score Pursuant to 15 U.S.C. 1681n and 1681o, I will hold XXXX  liable for these violations, including : - Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ) - Actual damages for harm caused by the violations - Punitive damages for XXXX XXXX  willful noncompliance - Legal fees and costs associated with arbitration Furthermore, I enforce my rights to OPT-OUT pursuant to 15 U.S.C. 6801 and 6802, which supersedes any agreement between me and XXXX. The FCRA precedes any contractual obligations. 15 U.S.C. 6802 ( a ) states : " A consumer may elect to have a financial institution not disclose nonpublic personal information about the consumer to a nonaffiliated third party. '' This means I have the right to opt out of having my information shared with third parties, including XXXX This opt-out right is a statutory right granted by the FCRA, which takes precedence over any contractual agreement between me and XXXX 
I request that XXXX  takes immediate action to correct the inaccuracies and provides evidence of compliance with the FCRA. You can either update the account to, " Paid as Agreed '' or delete the account from my consumer report as I OPTED OUT ( Pursuant to 15 U.S.C 6802 ) Failure to do so will result in arbitration, and I will seek all available remedies. 

Sincerely
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against National Credit Management for committing identity theft. I have never given National Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Management continues its collection efforts, I will file for litigation for actual damages caused and National Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting

XXXX XXXX XXXX, dispute its still under investigation 5 month as of today