23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, someone fraudulently used my debit card to make a money transfer in the amount of {$500.00}. I disputed this charge with Bank of America. After an investigation they denied my claim because the their investigation found the transaction to be valid. In the documents they sent me for the basis of denying my claim, the person who made the charge has a different email address than me, a different telephone number than me and it is clear that I did not make this transaction. The transfer was made to someone in XXXX, XXXX. I dont know anyone in XXXX. The phone number used belongs to someone named XXXX XXXX who lives in another state and has a different cell phone carrier than I do, and the email on the documentation does not belong to me, and it is not my IP address. My name and address appears under the billing portion of the documentation.
Product: Credit reporting or other personal consumer reports

I am urgently requesting your immediate attention to a critical matter involving identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent. 

Despite numerous attempts to resolve this issue directly with the credit reporting agencies, I have not received any satisfactory response or corrective action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now requesting the swift removal of these unauthorized items from my credit report. 

There are XXXX fraudulent accounts and XXXX unauthorized inquiries that must be removed immediately. These items are causing significant damage to my credit profile, and it is crucial that my credit report reflects only accurate and legitimate information, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

[ ACCOUNTS ] -XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES ] - XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to ensure these fraudulent items are removed and my credit report is restored to its accurate state. 

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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 Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a loan mid XXXX, the underwriters said I had a judgement and owed XXXX to Tower Loan. I had no idea what they were talking about. I called Tower Loan and demanded a written letter saying my balance was paid and the judgement was an error. The supervisor gave me a letter and I sent it to the underwriter. She also said they would remove the judgement in public records. One week later it was still there and my credit showed a XXXX balance with Tower Loan. I called the attorney that submitted the judgement for Tower Loan dba XXXX. He apologized and said he would remove it. I reminded him that I was not notified of the judgement and the loan was paid XX/XX/XXXX in full. Tower Loan continued to list the XXXX balance with the 3 credit agencies. The judgement was removed yesterday, XX/XX/XXXX. And now the credit agencies say the loan was a charge off/bad debt and was paid between XX/XX/XXXX and XX/XX/XXXX. It looks like I had the debt and quickly paid it off when in fact the debt was fully paid inXX/XX/XXXXXX/XX/XXXX. I want Tower Loan to stop posting inaccurate and false information to the credit agencies. My scores fell 10 to 15 points because of false information! They also ran my credit without authorization 5 times!!!
Product: Credit reporting or other personal consumer reports

my credit report is full of accounts that been XXXX XXXX, the account has been canceled with a XXXX c filed with my taxes
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX Opened XX/XX/XXXX {$130.00} My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have

got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.
Product: Debt collection

This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.
Product: Debt collection

My mom received a call from XXXX XXXX XXXX and XXXX on XX/XX/XXXX and they told her that I had listed her as a reference and to have me contact them. 

I called them and found out that they were trying to collect debt from XXXX for a credit card I supposedly had and hadn't paid on. I explained that I didn't have any credit card at that time and it wasn't until much later that I had a credit card. The person I spoke to said the info about the card would be sent to my home and it would take about a month. At that time, I told her to not contact my mother in regards to this anymore. She also advised me that if it was a family member that had the card in my name I could taken them to court over it to get the money. 

I contacted Capital One at that time because I knew the card wasn't mine and I was concerned that someone had my personal information and potential fraud/identity theft was involved. I spoke to two separate people in two different departments at Capital One and neither one found anything under my name for a card with missed payments or having gone to collections. 

I didn't receive anything further from XXXX XXXX XXXX XXXX  XXXX until they left a voicemail on XX/XX/XXXX that said I had 24 hours to respond or judgement would be filed against me. They also contacted my mother again despite me telling them not too. 

I spoke to someone today, XX/XX/XXXX, in regards to this and was told that the card in question was from Capital One that I used to make purchases from XXXX to XXXX. I again told them that this wasn't me and I didn't have a card at that time. 

The person I spoke to said that the total amount owed including attorney fees was {$3500.00} and I would receive a subpoena to appear in court over this matter at either my home or my place of employment. She also said they could/would place a lien on my vehicle as well as my home. 

This is not debt that I owe, and I have received never received anything from this company other than the contact to my mother and the voicemail that I received. I have purchased several cars, a home and had a personal loan after this supposed debt went to collections and none of the credit checks ever showed any debt owed to Capital One ( or anyone ). I also routinely check my credit report and there has never been a card for Capital One prior to the ones that I have now which I opened in XXXX and XXXX. 

I asked if this matter could just be sent to the credit bureau so I could dispute it there since I wasn't receiving anything from the company and was told that's not the way it works.
Product: Mortgage

On XX/XX/XXXX I applied with XXXX  XXXX of XXXX California for a loan of {$170000.00} at an annual interest rate of 2-7/8 % to refinance my existing home loan and fold in an existing Home Equity Line of Credit. During the processing of the loan the loan officer, Mr XXXX XXXX, overstated my outstanding debts and understated my income. Specifically, he included as a debt an annual one-time XXXX XXXX membership fee of {$95.00} as a monthly debt, manufactured a mandatory monthly homeowner association fee of {$60.00} per month ( there is none ) without consulting me, inflated a small credit card debt of {$74.00} to be a monthly debt and used a gas credit card debt which is paid monthly as other debt. 

With regard to income, he listed on XXXX XXXX  form 1003 income from a commercial building I own ( with partners ) as a residential 2-4 unit  building and a separate condo I own as another residential 2-4 plex. As reported on my XXXX federal tax return my total XXXX income was {$3400.00} per month while Mr XXXX listed it as {$2200.00} per month, a discount of over 33 %. In addition, Mr XXXX refused to include my federal Required Minimum Disbursement from my IRA, saying it wasn't appropriate. For XXXX this is {$8300.00}. As a result of these shenanigans Mr XXXX increased my interest rate by 1/4 % to 3-1/8 %. He also required that a car loan of {$3400.00} ( at 0.9 % annual interest with only 16 months to go ) be paid off. He then raised the loan amount to {$170000.00}. 

Unfortunately I never had a chance to review the loan application before closing. Loan documents were drawn three times by the escrow company, with the first two times having the name of the borrower ( me ) incorrect. These documents were returned to the escrow company without a review. The third time the mobile notary public was pressed for time and hurried me through the signing, not giving me a chance to review the documents. I only discovered these discrepancies later.
Product: Debt collection

I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of XXXX XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee XXXX XXXX XXXX XXXX and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of XXXX allow others to impersonate a Director of  XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my Discover Card I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Alternative Email : XXXX SSN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXTo Whom It May Concern : Please accept this letter as my formal written request for an investigation into the following items on my credit report.According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has negatively impacted my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately XXXX XXXX XXXXXXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide XXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationXXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide XXXX XXXX XXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationXXXX XXXXXXXX Account Number : XXXX Date Associated with Account : XX/XX/year> Provide VerificationPlease remove all non-account holding inquiries over 30 days old.Please add a Promotional Suppression to my credit file.IN WITNESS WHEREOF, the undersigned has signed and sealed these presents the day and year first above written.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX XXXX who is personally known to me or who has produced [ Identification ] as identification, and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same.WITNESS my hand and official seal in the County and State aforesaid this __ XXXX of XXXX XXXX XXXX.Notary Public Printed Name : XXXX XXXX
Product: Credit card

XXXX XXXX Capital one will not remove this account and it has been fully paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
-XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating my account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes, Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/scrub>XX/XX/2019 I called them and told them that this account is not mine, that it belonged to my ex-husband who used my social media without my permission.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> was a victim of identity theft and reported to XXXX, Equifax, XXXX XXXX XXXX XXXX XXXXAlso sent supporting documents, No response from the credit bureau 's, XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Mortgage

I mailed this ( attached ) detailed letter to LoanCare 's Office of the Customer on XX/XX/. It details my attempts to get the loan maturity date problem resolved since XX/XX/. 

LoanCare opened Case # XXXX on XX/XX/ upon receipt of my letter. I have received no contact from them regarding this whatsoever. I called them on XX/XX/ to find out if they had received my letter and was given the case number then. 

As of today, XX/XX/, I received notice that my mortgage servicing is being transferred from LoanCare to XXXX on XX/XX/. There has been no mention of any resolution on the case.