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

To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from XXXX that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while XXXX is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old  accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions or signature. 

Also I filed XXXX affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and 15 USC 1692. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX  Date Opened : XX/XX/XXXX Amount : {$110.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

Hello, In XX/XX/XXXX I noticed my XXXX account was hacked resulting in more than {$520.00} in fraudulent charges being charged to my debit card on file. I reported these fraudulent charge to PNC Bank and a provisional credit was applied to my account. I changed my passwords and was issued a new debit card. In XX/XX/XXXX, PNC then reversed the provisional credit applied to my account and debit more than {$520.00} from my account. When I called the bank to dispute these fraudulent charges *again* I was informed that " my request was denied ''. These charges were fraudulent and remain fraudulent. They are not offering any recourse for addressing this.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for reported transaction
Product: Checking or savings account

My account was hacked. Hacker sent a wire transfer instruction for {$40000.00} going to another person at the XXXX XXXX XXXXXXXX. Citibank wired the funds WITHOUT ever verifying with me to ensure I issued the wire instructions. This is in direct violation of the Security Procedures promised by Citibank in Page 19 of its Client Manual. I filed an Affidavit of Unauthorized Online Wire Transfer ( Case Ref : XXXX XXXX ) on XX/XX/2022. So far I have not heard from Citibank at all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing te propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I request all three consumer companies Experian, XXXX and XXXX to update my credit report reflected that my student loan was forgiven. I sent them written correspondence from the original lender to make the correction so far no response.
Product: Debt collection

XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to capital one was XX/XX/XXXX.
Product: Debt collection

XXXX XXXX has been calling me non stop for the past few weeks. Yesterday, XXXX XXXX they called me 15Times beginning at XXXX ... .the times were as follows XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... to which I told them to STOP harassing me and the gentleman told me I owed the debt therefore was not considered harassment, XXXX, to which I again said STOP and hung up. Mind you this was just yesterday. The day before they called me multiple times as well. Again beginning shortly after XXXX. Tuesday XX/XX/XXXX the called at : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, for a total of 14 Times. I am clearly on their auto dialer. I am dealing with a very sick husband and a son in critical condition at the hospital. I have told them this. I dont have the time, money or energy to deal with the unfair collection practices when I am trying to work full time and deal with family medical problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Balance : -
Product: Debt collection

Reference # : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S. Code 1692g.

Firstly, I request validation of the creditor 's name associated with this account, as mandated by 15 U.S. Code 1692g ( a ) ( 2 ). Additionally, I am exercising my right under 15 U.S. Code 1692g ( a ) (
1 ) to request clarification on the amount of the alleged debt and how it was calculated. As of the provided date, XX/XX/2023, the amount stated as owed is {$10000.00}. However, the subsequent increase in the total amount to {$14000.00} includes fees of {$3700.00} without any explanation or breakdown of these charges. Therefore, I require a detailed breakdown of all charges and fees applied to this debt. 

Furthermore, I remind you of the provisions outlined in 15 U.S. Code 1692e, which prohibits false or misleading representations in debt collection practices. It is imperative that all communications and actions concerning this debt adhere strictly to the guidelines set forth in the FDCPA. 

I request that you provide the requested information within 30 days of the receipt of this letter. Failure to do so may result in further actions to protect my rights under the FDCPA.
Product: Credit card or prepaid card

i opened and synchrony account back in a XXXX of XXXX actually two accounts one for {$1400.00} and the other {$910.00} I paid both loans off before terms of contract. Both loans were closed 30-45 after i paid them off. Both letters sited untrue and false information. For example my latest letter has lack of real estate as a reason for closure. letter is dated XXXX but my XXXX report has had my recent real estate purchase on the report since XX/XX/XXXX i bought my home on XX/XX/XXXX. The first time they closed my account my credit had literally no changes except paying off there account. Yet on the letter they stated things that were in affect when they extended credit to me. I see it as predatory ive had no late or slow pays. No derogatory accounts. Yet if i dont run out and buy more stuff they close my account costing me 50 plus points on my score each time. What's the point of trying to build credit when companies like synchrony use you then throw you out as soon as you pay off a loan. What really gets my blood boiling is the veiled attempt to blame me for account closures. I have 16 other creditors NONE behave like this none. I cant imagine how hard of a hit it would beon mu score if i only had one or two accounts. Also i cant imagine how someone with less experience handling multiple accounts would feel. Its a system set up to keep people with low credit scores despite paying off loans on time every time. Im sure the average person would give up trying to be responsible, when creditors act like this bank does. They lure people in saying build your credit then close your account as soon as you pay them off. So you end up giving back all the gains you have made with on time payments. Its a complete scam and i ask that someone would take a long look at this company and there predatory practices! As a XXXX veteran it really angers me that this company is able to operate in a space were they get all the benefits without their customers receiving any mutual credit benefits that we are promised in these stores. You can pay back ten loans and still be in the 500 range with a company like synchrony totally unfair!!
Product: Debt collection

I recently received my credit report as a result of current data and identity breaches, I find the company diversified consultants in my files! I sent out a letter to validate the debt owed demanding an original contract and accounting for the alledged debt because I had no knowledge of ever having a contract nor account with them. I ca n't acted the three major credit bureaus XXXX XXXX XXXX and demanded that they make diversified consultants prove 100 percent that I owed this amount and provide required information as such! It remains on my files and nothing has been provided which lawfully should be provided under fdcpa and fcra to collect a debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and XXXX to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX XXXX XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX Funding Also XXXX did not remove XXXX XXXX XXXX. XXXX XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and XXXX XXXX to protect my consumer rights Also Chexsystems did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXXXXXX XXXX And all inquiries Which XXXX XXXX is already aware of and I have already supplied documentation and FULL COMPLETE dispute
Product: Mortgage

I got notification that my loan has been transferred from XXXX XXXX XXXX to New Rez LLC. Everything was fine until I went to pay my mortgage online one month and I saw that I had a {$100.00} fee on my account. I looked at the charge and it had no details as to what it was so I sent a message to New Rez through my online portal inquiring this and it took weeks to get a reply. They then sent me a response saying " Please be advised, there is a fee balance of {$100.00} was assessed by the prior servicer for Prior servicer Cost assessed on XXXXXX/XX/XXXX. Please refer to the Loan Transaction History ( enclosed ) showing when the late fee was assessed. Since the late fee balance was not paid, it transferred over to Newrez. Please note, Newrez strives to protect your personal information from unauthorized access and use. As such we use security measures to meet those goals. These measures include computer safeguards and secured files. To open the secured attachment, click view message in the blue shaded area, enter your email address, and then create a password to view the document. '' I then reviewed the account history that they sent me and no where did it say it was a late fee. I've never paid my mortgage late. Looking at the history, I noticed that there was a {$100.00} fee going all the way back to XXXX XXXX XXXX and there are credits and debits that essentially cancels out the charge, but it's still showing there on my portal. When I got to thinking about it closer, I had another complaint with XXXX XXXX XXXX about them not removing my PMI and they were to refund me {$100.00} for the appraisal fee they requested to have my PMI removed. My guess is that they made an error and added the charge back on or messed up their accounting since I do not owe them {$100.00} for a fee since I had already paid it. I called New Rez about this and they essentially said that it's weird and they don't know what it would be. after talking to a service rep who didn't know how to do her job, I got transferred to a XXXX who looked at the transaction history and agreed with me that it made no sense and she didn't know what it would be. This managers name is XXXX XXXX. She told me she would get back to me and never has. That call took place over XXXX weeks ago.
Product: Debt collection

We have had 2 loans with XXXX XXXX XXXX - one secured by car, other unsecured. We fell behind on payments a few months ago following our daughter becoming a victim of violent crime. We have continued to make payments but can not get caught up from the one month late payment. All of our payments are going to interest only and the company refuses to help us make arrangements to get caught up. They keep threatening us with repossession of our vehicle but refuse to let us get back on track. They call my husbands cell and my cell constantly every day, from different numbers. Yesterday, the contacted my mother - who has no knowledge of this or connection to it. They pretended to be a legal service company, stating they were attempting to serve me with legal documents and that if they dont receive my signature by today, they will document my refusal to sign and the process will move forward without me. They told all of this to my mother who is not party to this debt. They are impersonating a legal entity and threatening legal actions to us and others about us. Yet, when we try to work out arrangements with them, they demand full payment of past due and currently due and still threaten repossession. We do not know what else to do. We have been frantically trying to resolve this issue but they continue to get more aggressive and threatening instead of helping. Weve even considered bankruptcy filing due to this situation. It is illegal to pretend to be a legal process server/threaten legal action/tell others about my debt or threaten them about my debt. This needs to be stopped. Note : my husband is the party on this loan. He is also the owner of the vehicle involved. Yet, one main is contacting myself and my mother repeatedly and sharing debt information and threatening legal action against my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

my car was stolen in this DC washington yesterday date XXXX all my social security card is in the vehicle list of item in my wallet. 
1 driver licence 2 social security card 3 bank id cards 4 green card 5 DOT medical card so many information about me so are will like to freeze my my account immediately until are retrieve my document
Product: Mortgage

NewRez mortgage company has raised my payment because of their lack of details on my loan. They didnt pay my escrow and my property was sold at auction. They now will not speak to me because I hired my lawyer to get them to pay the past due balance, although they paid it on XX/XX/XXXXXXXX XXXX XXXX it was due again on XX/XX/XXXX again and havent paid that. I tried to have my property replated but couldnt because I technically didnt own it. I had someone that was going to buy a few acres of my property and now they backed out because I couldnt legally sell what wasnt mine at that time. They messed up on their end after it was sold to them and are holding me responsible for there XXXX up. I was trying to build a house but cant when XXXX behind on taxes and they wont pay it. They are also sending all my personal financial statements to my lawyer instead of me.
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 Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX Balance : {$5600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you XXXX XXXX XXXX XXXX XXXX XXXX has Merged with America First Credit Union in Utah. 
I have a item appearing on my credit report that belongs to an ex-husband. I declared bankruptcy ( Discharged XX/XX/2020 ) and it shows delinquent 6 times after that. I do not know what he has done since we almost never communicate. 

We are trying to buy a house ( My new husband and I ) and this needs to be removed from my credit file so we can get the VA loan approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 06 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft SYNCB/NETWRK Account XXXX : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine.