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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Re : Victim of Identity Theft - Formal Dispute To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are a result of identity theft. This communication is not sent in error, and I am not making a material misrepresentation regarding the following accounts : Inaccurate Names ( Please delete immediately and use correct information from my Drivers License Provided ONLY ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKOWN ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian These accounts were opened without my authorization, and I have no knowledge or association with them. I request that this erroneous information be promptly removed from my credit file in accordance with 15 U.S. Code 1681c2 and the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. Please expedite this process and ensure the removal is completed no later than four days from the receipt of this letter. 
Enclosed with this correspondence are documents verifying my identity and an affidavit detailing the truth of the identity theft. Please find the following enclosures : Proof of Identity Affidavit of Truth/Identity Theft Report I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : RE : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX am on XX/XX/XXXX.
Product: Credit card

Basically, someone got ahold of my credit card information. And using that along with my name an address called Bank of America and did a {$8500.00} cash advance with my credit card. No I did a claim initially but nothing happened, called back a few weeks later to discover they had never filed a claim. 
So I opened a claim officially, then it was denied yesterday. So I called and reopens it because this is fraud, and requested their supporting documents and they refused to give them to me. 

Someone at XXXX bank, a bank I have no affiliation with, took {$8500.00} from my credit card and the bank hasnt done anything about it I just dont understand why Bank of America would give someone {$8500.00} of my money when the individual provided basic information and had no security measures. As well as sending it to a bank that Ive never used before to a strange account without any sort of verification
Product: Student loan

Attending the University XXXX XXXX  from fall XXXX I took out four ( 4 ) FFELP Stafford subsidized and six ( 6 ) FFELP Stafford unsubsidized loans totaling {$66000.00} from the Utah State Board of Regents. After completing my XXXX. in XXXX, I began paying the debt back. To my amazement I'd learned that Utah sold my loans to my loan service provider-XXXX, More amazing was in XXXX my loans were consolidated and sold back to the Utah Board of Regents and my interest rate was adjusted 2 % higher. ALL DONE WITHOUT ANY NOTIFICATION OR MY CONSENT. For almost 16 years I've made payments on time every time despite a bout with XXXX, a very nasty divorce ( lasting almost 4 years leaving me penniless ). About two years ago I heard of the two Federal loan forgiveness programs ( XXXX  and public service ). For 20 years i've XXXX  in XXXX XXXX XXXX  and match the criteria forforgiveness perfectly. After my third attempt to apply to the program ( Utah lost my paperwork twice ) I was told that the loans were consolidated and were no longer under the federal umbrella. I was told 'tough ' you're a rich XXXX  from DC and I was going to have to pay them off. I learned about two weeks after the phone conversation that my loans were bought AGAIN .... BY THE SAME LOAN COMPANY! I feel this THIRD refinance had to do with my request for forgiveness and gave them to raise my interest another point. My last payment is due XX/XX/XXXX ( I'll be XXXX yrs old - did I mention I plan to retire next year? ) Since beginning payments in XXXX I've never been notified about anything or have I signed any kind of agreement. In XXXX the financial aid office did not provide counseling or provide updates or information other than I the paperwork i signed agreeing to the loans. i challenge them to provide documents. Thanks for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

First Amount they send me is wrong. And I talk to XXXX XXXX XXXX office about one bill. I told them call my insurance to payment. I m not responsible to pay bills.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$3100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have a Department of Education Student Loan that is being collected from the Professional Bureau of Collections of Maryland Inc. I am being garnished and the agency is charging 25 % fees. Currently it goes directly to voicemail. My employer advises the garnishment will continue with out notice, even though federal Covid Relif Act was passed. How do I stop the garnishment and why can Department of Education Loans have no limit for the amount they can charge for fees. Seems like a scam.
Product: Debt collection

I paid the creditor XXXX XXXX for two debts I owed to the companies in XXXX, 2021. I disputed this with all three credit bureaus. I disputed with XXXX two times with satisfaction of judgment letter from the creditor owed ; however, XXXX investigators concluded the amount owed to be accurate.
Product: Debt collection

I XXXX XXXX XXXX, was contacted by Hunter Warfield on XX/XX/year>, on a collection of an alleged debt which I didnt consist of and they lied and said I did, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and that 3rd party had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS 583 to verify and validate.

NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

I demand that you delete these false reporting off my consumer reports XXXX, XXXX, and XXXX, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any communication attempts and reporting from you on my consumer report ucc 1-202 upon this notice you have been notified
Product: Credit card

On XX/XX/year>, I did a balance transfer of {$1500.00} from my Citicard Credit Card to a no interest Visa card through my bank, XXXX XXXX. 

I saw online where Citicard increased my balance due amount by {$1500.00} instead of decreasing the balance due on my Citi card. 

The explanation from XXXX at Citicard is Citi Card increased my available credit by {$1500.00} instead of reducing my current credit card balance. I told her if I had been told they were going to charge an additional {$1500.00} to my current balance for attempting to pay down the balance with a zero interest for 18 months Visa card and instead they just increased my credit limit, which I did not ask for a credit limit increase then I would just have continued to make the monthly payments. 

This is my complaint. Also, Citicard is still showing the before balance that was due after I made what I thought was a {$1500.00} payment through the balance transfer transaction. However, {$1500.00} plus a {$45.00} balance transfer fee is already showing as the balance due on the new no interest XXXX Visa card. 
I asked her why Citi Card still shows the transfer as pending. She did not explain and I told her I suspect its so City card can charge me more interest. The payment was due on XX/XX/XXXX and I made the payment today before I called Citi Card about my dispute. That showed up immediately in my bank and also on my Citi card balance, which was reduced by the amount of the payment that I just made today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Bankruptcy : U.S. Bankruptcy Court - XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I received emails from Capital One on Saturday XX/XX/2022 that a XXXX Checking account had been opened in my name ( i have the routing number and last 4 digits of the account if you need them ) and that my email and phone number had been updated as well. I never applied for this checking account. 

I attempted to log into the account with my suspected username, SSN and DOB on Sunday XX/XX/2022 at XXXX, and it asked for a 2 step verification through a cell phone that was not mine. I did not request to send the verification. 

I called Capital One Sunday XX/XX/2022 at XXXX and they were able to verify that I was not the person who opened that account. They were able to close the account and lock out my information so no one else attempted to open an account with my information. They recommended I connect with you to take next steps.
Product: Debt collection

I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.
Product: Credit reporting or other personal consumer reports

COMENITY BANK/XXXX IS on my credit and I don't know who they are and never tried to get credit or a loan from this company
Product: Credit reporting or other personal consumer reports

I am writing you about the the misuse of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX  XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

On XX/XX/XXXX Bank of West changed to BMO Bank. Account numbers for my existing XXXX account changed. I was making {$500.00} principal payments through automatic payment method, from my BMO checking account ; dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, an extra payment on XX/XX/XXXX, XX/XX/XXXX and another extra payment on XX/XX/XXXX. According to my records the payment XX/XX/XXXX posted to my XXXX account, and after talking to BMO, Representative XXXX, she was able to refund {$500.00} on XX/XX/XXXX to my BMO checking account. After numerous calls to XXXX, I have gotten no resolve nor explanation of this matter. There is still {$2000.00} owed to me. I have been making interest payments regularly. I have corrected the account number change issue, and making other principal payments. Any help resolving this matter would be greatly appreciated
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) ( a ) XXXX. 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. XXXX of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


XXXX XXXX XXXX
Product: Debt collection

I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate these accounts that was on my credit report and I have not recognized these items.