23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX of 2023 under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. XXXX  and Equifax is still reporting this inaccuracy.
Product: Mortgage

US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my {$2000.00}. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on XXXX XXXX, 2016. On the morning of XXXX XXXX, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have provided US Bank with information and documentation as they have requested it, but they have not proceeded in a timely manner. For example, I did not receive my initial set of disclosure forms until XXXX XXXX, 13 days after I advised the bank I had an accepted offer. Additionally, it was not until late Friday, XXXX XXXX ( eve of a XXXX weekend ), that I received a request for information and documentation from the US Bank mortgage processor. I responded to this request by Monday, XXXX XXXX, end of day. While driving across country from XXXX to XXXX, where I am relocating, I was in touch with my Mortgage Loan Officer ( my Mortgage Processor was not returning my calls ) and received from her no indication there was a problem with my application. When I arrived in XXXX on XXXX XXXX, I learned that my application was still in the underwriting stages and that it was likely I would miss my XXXX XXXX closing. After pressing the matter, I was told a " rush '' would be placed on my application, and I am hopeful that this is indeed the case. However, realistically, I think there is a good chance I will not close and will lose my {$2000.00} earnest money. I feel the bank has not proceeded as it should.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and Arvest bank will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.
Product: Credit reporting

XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full
Product: Debt collection

I had a previous complaint thru consumer finance XXXX. 
Please show competence and open the files given as the account number repeatedly referenced XXXX I was able to access my old XXXX with the XXXX  property where the XXXX stated I had to contact the collection agency. 
The collection agency being National Credit systems. 
I paid National credit systems twice for the debt they had on file on behalf of XXXX XXXX. 

Either National Credit Systems is committing fraud or XXXX XXXX is. 
Account again XXXX Either way, I have PAID the amount owed to National credit systems as of XX/XX/year>!!! 

Again account number that you can reconcile being paid is XXXX Referenced multiple times with receipts, confirmations, And documents provided from National credit systems! 

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

Please see attached. No contract exists for and agreement between myself and this third party. They didnt even take adequate time to research with the company. I need to see a contract for this agreement. Within less than 1 week, this came back as verified! No! Theyre breaking laws FCRA and Comprehensive Credit Act of 2020!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Debt collection

I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX violated my righs.

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.

please remove
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXX XXXX XXXX- ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.
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 : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, and so on.
Product: Checking or savings account

On the XX/XX/XXXX, I was contacted by Chase Bank saying that my account was compromised by someone trying to take money out using XXXX. I had to go into the XXXX branch and I closed my account that I had for 20 years I open a brand new account. The banker asked me were all the charges are my old account valid and I told her that several charges from XXXX XXXX were not valid and were unauthorized because that account was compromised also. I closed that account along with several other accounts that were also compromised and used XXXX XXXX XXXX XXXX to close all the credit cards accounts that were compromised and credit one monthly payment to pay the remaining balance. The teller then transferred all my remaining funds to the new account and told me that the account would be officially removed in 60 days. On XX/XX/XXXX, I noticed that Chase Bank had withdrew the negative balance from the old account from my new account. I immediately called their Claims Department and spoke with several representatives from the Operations Loss Prevention and Claims Department and was told that the situation was an error on Chase Bank behalf and everything will be taken care of. I began to call claims and spoke with several supervisors and was told that each case will be notated on my file. While checking my account today Chase has once again taking money out of my account without any authorization, and I was told that there was no notation taken on my account previous to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/ 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX 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 with my written instructions.
Product: Credit reporting or other personal consumer reports

I find some inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Other financial service

A scheme attempted to obtain money by false pretense. The scheme blackmailed a consumer through the consumer financial protection bureau website on XXXX XXXX, 2016 at XXXX XXXX. That is apparent money laundering scheme. The scheme claimed that there was no call placed. The FTC Do Not Call Registry affidavit or transcript must be transparent. The consumer already got confirmation by the FTC., which would help deter time wasting and resource embezzlement that would harm the liaison and the cfpb examination process which in the long run would result in conflict of interest and procurement fraud. Someone got away with identity theft and bilking. It implies that XXXX is at harm in bogus tax refund.
Product: Checking or savings account

On XX/XX/2019 I went into my bank Wells Fargo In XXXX on XXXX XXXX XXXX XXXX  to withdrawal cash from my account that I share with my daughter. I was then told that my account had been closed. When I asked why I was told that they could not give me that information and I sat with a rep who called into the customer service number. While on the phone with an agent ( XXXX ) from the collections department he also could not tell me why my account was being closed but he stated that they would be sending me a check for the remaining funds in my account. When I asked him for his customer service ID and information he refused to provide this. He confirmed that my check would be sent the follow day XX/XX/2019 and that he would be making notes in my file to make sure things were clear. 

When I called today XX/XX/XXXX to check on the progress of my check I was told by the new rep ( XXXX ) that they could not help me and that my refund check from my tax return ( {$2600.00} ) had been sent back to the IRS and that a check was never issued because my account was closed, When i informed her of the information the last rep told me she responded with a dismissive tone and just kept repeating that I would not be getting a check from Wells Fargo and there was nothing they could do. I asked to speak to a supervisor twice before I was transferred and got the same response from the supervisor. I have yet to be given an answer as to why my account was closed.
Product: Credit card or prepaid card

I open up an account with Sam Club XX/XX/2013, Synchrony Bank became the servicer of the account a couple of years ago. I have never missed a payment on this account, only late one time. 

While I was in the hospital XXXX  Synchrony Bank called my telephone everyday some time twice a because I did not make payment on the due date even after I informed them I was currently XXXX  in the hospital, the calls continued for anther two weeks. 

This was harassment and unnecessary therefore, I asked Synchrony Bank to remove my telephone number from their files and never to call again. I have the right as the consumer to ask any company to cease and desist contact via telephone. 

I am filing a formal complaint and making record of my request, if Synchrony Bank call my telephone every again I will initiate a class action law suit.
Product: Credit reporting or other personal consumer reports

On my credit report from XXXX, XXXX XXXX XXXX and Experian upon reviewing my profile I found out that they is closed account with account number that I never owned and it has information that affected my credit profile. There are unauthorized enquiries which appears on my credit report with above credit bureau which they did not verify them with me. On my report it shows that Iam self employment whereas I am employed with these salaries reference XXXX XXXX XXXX XXXXXXXX XXXX which can be confirmed on my banking statement. XXXXXXXX XXXX XXXX XXXX XXXX XXXX has incomplete and outdated information.
Product: Debt collection

On XXXX XXXX, XXXX  I was the victim of identity theft. I saw that there were 2 charges on my bank account each for {$500.00} to a company I did not recognize. I immediately called my bank to dispute the charges and block the account so no further charges could come out while I moved my direct deposits to another account. The dispute i filed with my bank was found in my favor and all other charges were returned due to the fraud. A month later I received a letter from TRS Recovery stating i owed them XXXX which i filled out the form telling them it was not my debt and that i disputed it with my bank and found in my favor. Today i received another notice from them XXXX/XXXXXXXX stating they added fees and again gave me the option to dispute which I filled out the form and sent it to them. My account information was stolen and used to make charges and I followed the steps with my financial institution to resolve the issue. I want the company to remove the debt and stop sending me letters. This is not my debt and feel harassed by the company when they have been informed by me 2x that this was fraud and I filed disputes with my bank and were found in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to consumer reporting agencies ( TRANSUNION, XXXX, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card

After reviewing my recent credit card statements, I found out that Citibank has charged me 25.49 % interest rate on the credit card I have with Sears. As I know Citibank corporate office located in the state of SD and maximum interest rate allowed in that state is 15 %. I imagine how many people were charged without knowing it 's illegal.
Product: Debt collection

I NOTICED A NEGITIVE ACCOUNT ON MY ACCOUNT FROM ( CREDIT COLLECTION SERVICE ), AND WAS DISTRUAT AND TAKEN ABACK THIS HAS HURT ME AND MY FAMILY TREMENDOUSLY, THEY WERE SUPPOSED TO PROVIDE ME THAT INFO VIA 15 USC 1681 THEY NEVER PROVIDED THIS WHICH MAKES THIS ACCOUNT FRAUDULENT.
Product: Credit reporting or other personal consumer reports

I am writings dispute the accuracy of the information being reported on my credit report related to the XXXX XXXX account with the following details Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off, {$2600.00} written off, {$2400.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$2400.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2500.00} Highest Balance : {$2600.00} Payment History : Continuous charge-offs from XX/XX/XXXX to XX/XX/XXXX On Record Until : XX/XX/XXXX I am challenging the accuracy and completeness of this information for the following reasons : XXXXLack of Proper Notice and Disclosures : Under 15 USC 1637 ( b ), creditors are required to send periodic billing statements, including necessary disclosures, to the account holder. I did not receive any such statements or notifications, including any late payment notices 21 days or less before the payment due date. This failure to comply with federal requirements calls into question the validity of the information being reported. 

XXXXInaccurate Reporting of Payment History : The continuous charge-off status from XX/XX/XXXX to XX/XX/XXXX does not accurately reflect my payment history or any communications made with XXXX. The repeated charge-off notations suggest a lack of updates to the account, which may indicate errors or outdated information being reported. 

XXXX. Balance and Status Inconsistencies : The reported balance of {$2400.00} as of XX/XX/XXXX, along with the previous charge-off of {$2600.00}, suggests discrepancies in how the account is being reported. Additionally, the lack of recent payments and the outdated status update from XX/XX/XXXX further indicate that this account may not be accurately reflecting my financial situation. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate information. Please provide me with a complete and detailed report of your investigation, including the documents and records used to verify the accuracy of the account information. If you are unable to verify the accuracy of the information, I request that this account be removed from my credit report. 

Please consider this letter a formal complaint under the Fair Credit Reporting Act ( FCRA ) and acknowledge receipt of this dispute in writing. I expect this matter to be resolved within the statutory time frame allowed under the FCRA.
Product: Debt collection

I have repeatedly requested that MIdland Fuding provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.