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

To Whom It May Concern, I am filing this formal complaint as a victim of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Enclosed are copies of my police report/identity theft report, my driver 's license, and proof of my current address as verification of my identity.

I recently obtained a copy of my credit file and identified information that does not correspond to any transactions I have made. I am requesting the immediate removal and permanent blocking of the following fraudulent accounts from my credit file. Under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft removed, and I expect this to be done within 4 days of receipt of this correspondence. 

This is not a routine dispute ; I have also filed a complaint with the Federal Trade Commission ( FTC ) documenting my case of identity theft. The following fraudulent accounts must be removed from my credit report : Identity Theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX Account Number XXXX XXXX Please ensure that these accounts are promptly removed from my credit file as required by law. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, Proof of Identity ( Drivers License ), Proof of Address, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit card or prepaid card

On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. 

Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. 

My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Product: Credit reporting or other personal consumer reports

XXXX IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company replied to me saying that, essentially, they focus on the payments hitting interest before principal ( even when it is requested to hit the principal first ). The interest is too much for the $ XXXX payment to touch the principal. The payments essentially never end up getting the loan down lower and I make no progress in paying the loan down.
Product: Debt collection

XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. 


XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.
Product: Checking or savings account

Im a victim of fraud against my Chase Bank account. In XXXX of XXXX scammers took money from my account as reversals. When I discovered this I immediately went to my Chase branch and spoke with a representative. He closed the account and notified the fraud department. I then opened a new account. After I immediately went to police station and filed a report and brought that report to my bank branch and the representative faxed it to the fraud department. Because Chase cant get the money back from these reversals they are charging me. Because of a negative balance my social security check for XXXX and a payroll check which was deposited into the new account was taken by Chase. I should not be held responsible for this scam and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.
Product: Payday loan, title loan, personal loan, or advance loan

We have a relatively new installment loan with M & T bank. Every month, the statement is showing up within 2-3 days of when the payment is due, and for XXXX I just opened the statement on XX/XX/XXXX with a bill due date of XX/XX/XXXX. 

The statement period ended XX/XX/XXXX. It took over 2 weeks to receive, and didnt arrive until after the due date.
Product: Debt collection

I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated. 

Thank you.
Product: Credit reporting or other personal consumer reports

I received a late payment notification on my credit score and that it went down XXXX XXXX for a late payment on my XXXXXXXX XXXX XXXX. My account was already set up for automatic payment and is not late. The notice was sent on the same day as my account statement of XX/XX/year> in the amount of {$140.00}. {$140.00} is my account balance due on XX/XX/year>. I'm attaching my most recent statement to confirm my statements above.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my Experian credit report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in the relevant sections of the act. 

According to the FCRA, a consumer 's credit report should only be accessed for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. I am requesting the immediate deletion of the unauthorized inquiries from my Experian credit report. 

I have provided a list of the unauthorized inquiries made into my Experian credit report for your reference : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that each unauthorized inquiry be promptly removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On the evening of XXXX I received 4 missed calls from my bank, Truist Bank. The following morning I returned the call by redialing the missed call. Some answered Truist Bank how can I help you? I proceeded to tell the bank I had 4 missed calls from them the previous night and was returning the call. They asked me if I had approved a {$150.00} XXXX payment I said no, I had not. They then asked to verify it was actually me, asking for my name, dob, address, phone number, ss # which I provided. The next day I rec 'd an email from the bank stating my balance was low. I checked my account and saw I had 2 withdrawals to XXXX, one for XXXX and one for XXXX which left my checking account with a XXXX balance. I immediately called the bank and was told I needed to go into a local branch immediately to file a fraud complaint and open new accounts, both which I did. The gentlemen helping me put a freeze on my checking acct where nothing else could be dispersed but deposits were able to still go in ( I needed my paycheck to be deposited which is set up automatically ). I was told I needed to come back the following day once the transactions ( XXXX XXXX " officially posted '' ) to sign the fraud claim report. Which I did on Friday, XXXX XXXX went in and signed the complaint. I received an email at XXXXXXXX XXXX the following day from Truist saying my claim was denied and I could request the documentation that was used to make this decision. I could not call the bank until Tuesday ( because they closed at noon on Saturday and Monday was a holiday - XXXX XXXX XXXX XXXX observed ) so I called XXXX, XXXX XXXX first thing in the morning and was told by Truist that it shows I approved the XXXX transfer, I explained in detail that I had not. She said sorry I can't help you I asked to speak to a manager or supervisor. The supervisor got on the phone and I again explained everything in detail and she said sorry. I said there has to be some way to dispute your denial. She said no, an analyst reviews it and that is the final decision. I said then I want to file another compliant she said we can not do that. I then said send me the proof where I authorized it and what I was sent was the fraud complaint form which I filled out. I have contacted the Police and filed a report. My banks phone number was apparently spoofed and that is how the thief was about to pretend they were an employee of Truist. I have XXXX control over this. They will not help me in any way what so ever. They simply keep saying I approved it, which I did not.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt notice from Synergetic communication Inc, for the creditor XXXX XXXX XXXX on XXXX. I immediately reach out to via phone and chat to XXXX XXXX XXXX and they confirmed me that I don't have any dues pending. I received the last bill with no dues which was 3 months back. 
I noticed my name on the notice was not accurate hence I decided to reach out to the debt collector via phone and email but I didn't get any response for the communication made on XXXX. 

I drafted a dispute notice to debt collector and sent them written dispute via mail and email on XXXX.
Product: Mortgage

I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX  When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. Thank You!
Product: Checking or savings account

On XXXX I contacted PayPal regarding them freezing mu funds on my business account due them saying my personal account was overdrawn. They are refusing to release my funds and If this doesn't get resolved I will be forced to sue PayPal due to this unlawful action. I spoke with supervisor XXXX employee # XXXX and manager XXXX # XXXX who was very rude and offered no assistance. If you could please help me resolve this matter I would appreciate. PayPal should be heavily fined when violating consumers rights.
Product: Debt collection

I am requesting verification of the debt, including the original agreement- i never received the original written agreement - making this garnishment unjustified
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted my credit score on or around XX/XX/23. This is about when my legal name change hit several of my trade lines. 

When I called them on XX/XX/23, Experian 's customer support confirmed that my credit score got split into 2 accounts, one of which has zero trade lines and no credit score. I have no access to the other account that presumably has my old trade lines. 

Experian has confirmed they have evidence of my legal name change. My open tradelines all have evidence of my legal name change and are up to date. 

As of XX/XX/23, Experian has not fixed the issue. They closed my dispute, but their documentation clearly shows I still have no XXXX XXXX. My Experian.com account continues to have the wrong name and no credit score. 

My XXXX XXXX credit report is correct and current with my score, tradelines, and name change. 

My XXXX credit report is mostly correct and current with my score and name change ; I am working with them to correct 2 trade lines and a minor misspelling. 

I have spoke to other people who have legally changed just their first names and they have experienced similar problems with Experian completely deleting their score. This is an ongoing problem with Experian and should be investigated on a class action scale, not just my account.
Product: Checking or savings account

On the date of XX/XX/year> Thur XX/XX/year> there were numerous transactions that I never authorized nor have any kind of knowledge of the transactions. When I first realized this it was because Wellsfargo stop this person from taking any more money due to the fact they used the limit allowed by my bank. When I went onto my bank account I noticed all these transactions so I immediately contacted the merchants which were XXXX XXXX  and XXXX  explaining to them that these payments were made without my knowledge and we're unauthorized payments/ deposits I also contacted my bank to dispute these charges that were made on and between XX/XX/year> and XX/XX/year> that were from XXXX and XXXX XXXX casino. I was so upset confused worried and so many other emotions that some how the person miss understood me or I miss understood them I'm unsure but some how other charges from previous dates were also added onto this dispute since I'm guessing some of the charges were from a few months ago my dispute automatically got denied but I never meant for any other charges besides the ones from XX/XX/XXXX until XX/XX/XXXX from XXXX XXXX and XXXX XXXX charges be disputed thoses were the fraudulent charges as for the other ones that were added on to that dispute I don't know personally don't remember but I know if they were fraudulent I would have contacted back then but I know the ones I'm trying to dispute are fraudulent. When I explained this mistake to the bank they said I couldn't do anything else what is done is done but I wasn't aware of the other charges on the dispute or I would of fix the problem before it was ever denied. Now I have lost XXXX to someone or something that stole and made these fraudulent transactions.
Product: Checking or savings account

On XX/XX/XXXX I bought a custom t shirt from a business. On XX/XX/XXXX I also bought a XXXX wreath from this business. I reached out to the business in XXXX and they told me they were not able to start on the wreath. I told than it was fine if I received it a few days after. On XX/XX/XXXX I still had not received the wreath. I tried contacting the business for a refund. They ignored my messages via XXXX. So I decided to file a claim with wells Fargo. In XX/XX/XXXX I called Wells Fargo to see the status of my claim. I told them that the business ( XXXX XXXX XXXX ) had been harrasing me via email. They told me to block the business from contacting me and they were going to close this dispute and issue me a credit. I got a call on XX/XX/XXXX from Wells Fargo saying that they actually denied my claim. I never received these items and in total I paid {$200.00}. The claim I failed was only for {$100.00}. So not even the full amount I paid because I paid half of the wreath with my other bank account. Which I am now disputing with XXXX. I reported the XXXX XXXX XXXX business to the XXXX. I just want Wells Fargo to issue my refund
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2100.00}.