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

This is my 3rd 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, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX / XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX OF XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my knowledge or consent, and I ask that they be removed from my credit file. 
Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX. SelfInc/Lead Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Fraudulent Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX  and Tr Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Service Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Service Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX Please process this request in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), and provide written confirmation that these accounts and inquiries have been blocked and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX
Product: Mortgage

I want to open complaint on USBANK. 
I had FHA mortgage with USBANK. I sold property, got conventional mortgage and I have closed mortgage with USBANK. 
USBANK send me letter confirming all my outstanding debts are paid and mortgage is closed on XX/XX/2023. I currently have no open accounts with USBANK at all. 
Today I just received letter saying I owe {$180.00} on gold checking account I never had with USBANK. I am attaching picture as a prof. 
I has been contacted by debt collection agency and it harmed my credit score. There is psychological aspect also taking toll on me. 
This is clearly a big fraud for me. 
Looking forward for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please see the attached.
Product: Debt collection

This is the 10th attempt to resolve the issue with Fair collections & outsourcing I have sent in FTC report and a police report stating it was identity theft and they are still saying I need to send them their affidavit. Today I sent the company an affidavit. Fair collections & outsourcing , Inc . is illegally reporting to my consumer report. Ive never given Fair collections & outsourcing , Inc . permission to report or even access my consumer report, Fair collections & outsourcing never validated any alleged debt, fair collections & outsourcing has defamed my character, caused multiple injuries to the point I was XXXX because of this alleged debt. Fair collections and outsourcing is using unfair practices by reporting to my consumer report. I sent a request for validation again XX/XX/XXXX and the company responded with a letter that has multiple violations I recently received XX/XX/XXXX. XX/XX/XXXX i the consumer sent Fair collections and outsourcing a cease and desist, affidavit of truth, a consumer violation invoice and EXHIBITS sent certified mail return receipt. Fair collections & outsourcing inc. has never tried communicating the alleged debt with me because There was no way to do so without i the consumer having an address there is no right for them to be reporting because they are illegally reporting. I have tried numerous times to dispute the alleged debt and fair collections & outsourcing willfully continues to XXXX, defame my character and use illegal tactics to collect the alleged debt. Thank you
Product: Credit card or prepaid card

XXXX XXXX XXXX went bankrupt and closed all account. I was negatively impacted by this because my score dropped 15 points.
Product: Checking or savings account

I opened a checking/savings account with Chime. When I transferred money ( {$3000.00} ) into my account from another bank account, they shut down my account and had no way to access my money. I frantically called their customer support and they told me I had to file a claim. I filed a case and they told me I was not eligible for a refund. After responding and questioning it more they said I need to verify my identity. I have sent all the documents but it keeps telling me I am missing documents and am getting a response from a bot. When I call their customer service the story changes saying the money is being sent back to the account it was sent from even though it was never sent back. This bank is totally fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

The company I am complaining about is Continental Credit at XXXX, Tx. I have been getting calls constantly at work which I am getting in trouble for and had to put a harassment report due to all the calling. The few times I have answered at work the representative is always rude and says " We need your payment now! You said you would pay where is your payment? Do you have the money now? We will go get it from you right now tell us your exact location. '' I have XXXX and with them always calling and telling me I will be sent to jail due to non payment has made me have XXXX at work which causes me to put my duties at work a side so I can calm down which takes hours. I do not appreciate this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending 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.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XX/XX/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
Product: Checking or savings account

This is XXXX XXXX account # XXXX. On XXXX and XXXX XX/XX/XXXX ; I deposited XXXX bank drafts online in the total amount of ( XXXX USD ) which was given by my real brother namely XXXX XXXX XXXX XXXX 

Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$2000.00} Bank Draft # XXXX {$3000.00} On XXXX XX/XX/XXXX I went to the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX to withdraw my funds. I came to know that bank put a hold on my account due to suspicious activity which could be a potential fraud. I told the bank XXXX that my brother gave me those bank drafts because he borrowed XXXX USD from me a month ago and I issued XXXX cheques of XXXX each from the same account I deposited back. Cheque # XXXX, XXXX, XXXX The bank XXXX contacted customer service to resolve the issue. Then the compliance told me that my account has been closed due to that potential fraud. The only solution is that my brother should come to any chase bank branch to verify that he has issued those bank drafts. 
Unfortunately, my brother is not a XXXX Citizen yet and he needs XXXX XXXX   to visit the XXXX. He applied for XXXX XXXX  and the interview date was set for XXXX XX/XX/XXXX. But due to some reason, his file is still in process and he couldn't get the visa to date. 
I provided all the required documents through Fax ( from XXXX XXXX  ) to the Chase Bank compliance department to resolve this issue. It is understood and very clear that when the funds were released by the bank that issued the bank drafts and never got any complaint about those funds then that transaction can't be a potential fraud. Chase Bank have the funds for almost a year and is not releasing the funds. My brother is unable to visit USA so there should be another legal way to get his verification or affidavit through an attorney or lawyer in XXXX who can act on behalf of Chase Bank.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts and late closed on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open and new late closed accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. The following late open should be corrected and remove the late closed accounts as soon as possible : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.
Product: Credit reporting or other personal consumer reports

There is XXXX inquiries on my credit report where there was no service rendered or contracts made. 
I am asking that they be removed because they are hurting my credit score for a service I never received. 
Under the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive
Product: Mortgage

Am sending in this complaint to get my name on record immediately. I am not at home. Saw your bulletin reference Wells Fargo. My own divorce counsel ( which I allege was bought by my ex & corresponding with him during our divorce ) stated on my divorce trial date that he chose not to believe my adamant statement that I never signed a {$200000.00} ( or {$200000.00} ) re-fi with Wells Fargo in XXXX. Due to his refusal I walked away with no proceeds being mandated to be distributed to me at the divorce trial. I did call Wells Fargo somewhere during XXXX knowing all the names of people my ex dealt with and the most important individual was transferred to another NJ branch XXXX This individual ( a woman ) called the house and asked for spouse and sounded highly scared. When I said he wasnt home, she hung up on me. I called the branch she was moved to. I was informed my signature was on a notarized document so I requested Wells Fargo to send me a copy. They agreed but I never received said copy. My ex did a number of highly illegal actions using my personal data with many of them. Mostly all was done via cybercrime when I discovered he had his IT company put a portal from my desktop at home into his laptop at his company. We were divorced on XX/XX/XXXX but I have enough documentation to support my allegation what Wells Fargo did in collusion with my ex husband. I gave up years ago after discovering so much identity theft he had done over 10 years ( and is still doing ) that has had me living in poverty. With no family and losing all friends due to his abuse, I had no option but to stop trying for justice. I discovered all the high end players involved, discovered his heavy gaslighting of my character over the years and decided there was no way I could ever go up against Wells Fargo plus the other serious issues he had done relative to HUD homes and every car I bought. When I saw this big penalty lodged against Wells Fargo, I thought maybe the government would finally give me a voice. To reiterate, I have all documentation
Product: Credit reporting or other personal consumer reports

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

I have been receiving calls after telling t he manager I a m trying to file bankruptcy and she will not stop calling me it has caused me to lose a job and my mined I have not been able to get the money for a lawyer because I lost my job I do start a new job  XXXX   XXXX
Product: Debt collection

I received an alert from the credit bureau that the collection agency listed below, placed a collection on my account without allowing me to dispute the debt. I was not notified via US postal mail or telephone that the debt existed. I tried explaining that the original creditor owes me a credit for incorrectly billed services, and that I was not notified of any debt. 

Online Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX