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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Urgent Request for Block of Fraudulent Information I am writing to formally address a critical issue regarding my credit report that has placed me in a distressing situation.As a victim of identity theft, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and I am reaching out with a sense of urgency and concern. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you take immediate action to block certain fraudulent information from my consumer credit report. The details of the fraudulent accounts & inquiries include : XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX & # ( {$450.00} XXXX XXXX  Account # available ) XXXX XXXX XXXX # XXXX # XXXX & # XXXX INQUIRIES & DATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries, leading to significant stress and potential harm to my creditworthiness. I have attached a comprehensive list of the hard inquiries and accounts on a self-attestation letter that clearly indicates these fraudulent entries. I want to emphasize that I do not recognize any of these accounts or inquiries. They were not initiated or authorized by me, and they stem solely from identity theft and fraud. For your reference, I have also attached the FTC Identity Theft Criminal Complaint # XXXX as proof of the fraudulent activities that have occurred.Given the severity of this situation, I insist on a fair resolution.
Product: Debt collection

I have disputed with them them over and over via the credit unions. they continue to come back verified I call the number available on my credit report the recording says number not available. I went on line to get a fax number when i fax them a recording says not available I sent them a email with no response. 
i am a victim of identity thief either send me a contract i signed or delete. 
IF THEY CAN VALIDATE THE DEBT THEY CAN ANSWER THE PHONE Here is the email I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account as it appears on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX Dear credit representative, I am disputing the account stated above. Previously I disputed this account information as being inaccurate you responded by stating the you were able to verify this debt. So it stayed on my credit report however I have yet to see an original contract or any proof this is mine. 
The fair credit reporting act requires you verify the validity of this within 30 days at the Time if it can not be verified you are obligated by law to remove it from my credit file I urge you to remove it before I am forced into legal action. 


CFPB, XXXX and all 3 credit bureau will be receiving a copy of this letter. 



In the event you can not verify this debt I request you remove it. If you continue to report this on my credit I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations I may Sue you and any qualified for state or federal court including small claims court in my area. 


I look forward to a swift and amicable resolution to this matter sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate listing on my credit report. I have been incorrectly listed as a co-signer for an account that I never agreed to co-sign, and it is not mine. 

Despite attempts to resolve this, the error persists. I request an immediate investigation and removal of this inaccurate information, as it is negatively impacting my credit. 
I am attaching my ID and Proof of address for your reference. 

Thank you for your prompt attention.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account that has appeared on my credit report due to identity theft following a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this account removed to protect my credit history and personal information. The details of the fraudulent account are as follows : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX, XXXX & XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXmber : XXXX Unauthorized inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX
Product: Checking or savings account

BMO Harris is refusing to honor the sign up bonus I was promised when I opened my checking account. I opened my account on or about XX/XX/2019. The advertised terms were as follows : To receive the {$200.00} bonus for a BMO Harris Smart Money Account or BMO Harris Smart Advantage Account : 1 ) Mention or use the promo code when you open a new BMO Harris Smart Money Account or BMO Harris Smart Advantage Account between XX/XX/2019 and XX/XX/2019. If you use the open now link above well automatically apply the promo code for you. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$500.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 3 ) Have at least 10 debit card purchases made with your BMO Harris Bank Debit Mastercard post to your account within 90 days of account opening. 

I completed all requirements by XX/XX/2019 ( direct deposits and debit card transactions ) but I still have not received the {$200.00} that BMO promised in exchange. I have contacted them three times in the past three months and have been given the run around each time, although they have acknowledged and confirmed repeatedly that I am entitled to the payment -- but they are continuing to withhold payment more than seven months after I opened the account, without explanation. My correspondence with them is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with Experian and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have XXXX Items that do not belong to me on all three of my Credit Reports ( Experian, XXXX, and XXXX ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. 

Over a month ago I sent certified letters to all three bureaus ( Experian, XXXX, and XXXX ), requesting an investigation of the the items on my report that were incorrect. 

1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( Experian, XXXX, XXXX ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( Experia, XXXX, XXXX ) 4. XXXX xxxxxxxxxxxx XXXX ( XXXX ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? 

XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX  XXXX, XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. 

Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. 

I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).
Product: Student loan

I really do not know what I'm paying on. What is this loan from? I've been paying on this for about 10 years and the balance does not decrease. Where is the money going? What is this? This needs to be settled for a lower amount because it will never be paid in full. Is there a way to settle this account for 60 % a lower amount.
Product: Credit reporting or other personal consumer reports

This serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX ) - XXXX XXXX  ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX  ) regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ).

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution. 

The continued reporting of this inaccurate information directly violates my rights under FCRA. Specifically, FCRA 611 ( a ) grants me the right to have inaccurate information removed from my credit report. FCRA 604 ( a ) ( 2 ) outlines the credit bureau 's obligation to conduct a reasonable investigation upon receiving notice of disputed information. FCRA 1681i ( 5 ) ( A ) mandates the prompt deletion of inaccurate or unverifiable information after reinvestigation. FCRA 1681s-2 prohibits the furnishing of information that the furnisher knows or has reasonable cause to believe is inaccurate. FCRA 605B ( 15 U.S.C. 1681c-2 ) provides specific protections for victims of identity theft, requiring credit bureaus to block information resulting from identity theft upon proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX Credit Bureau Name XXXX XXXX EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Credit card or prepaid card

I made a payment of {$40.00} on XXXX received a confirmation. The cc company said it was returned on XXXX for an invalid account number, even though they verified it and gave me a confirmation. When I got notice on XXXX and called they said I could only pay {$80.00} now to avoid having additional fees applied. Having to pay {$80.00} is already additional fees. Then they told me I did not make my XXXX payment, which I did and have proof of that payment.
Product: Debt collection

the debt was paid to XXXX agency, but another agency is trying to collect it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a showing incident for my US Bank Visa card. I have stellar credit and I sent my account to all three bureaus about a 30 and 60 day delinquency from an account that was connected to the same incident.

I reported it to all three agencies and I spoke with someone at the bank that said that a note was made on my account and the delinquency would be removed based on the circumstances of the delinquency. This was a private matter and I spent months escalating to the right person to have the discussion. 

XXXX refused to remove the delinquency and when checking with the bank, when they call, the bank refuses to live up their promise to remove the delinquency. 

XXXX removed the delinquency and my score reflects that. 

XXXX refused to remove the delinquency despite multiple attempts to remove it as well. 

As an inequitable application of a promise made by the bank to remove my delinquency based on special circumstances, I have opened other banking relationships in the interim because I feel like if an employee of a bank makes a deal on an open line, then the bank should agree and make is happen.

Please make this right. I can't understand why one bureau would act properly and the others would refuse.
Product: Credit card or prepaid card

On XX/XX/XXXX, I charged {$44.00} and {$14.00} at XXXX XXXX. the first of XXXX, I noticed the two unidentified charge one for {$100.00} at XXXX and one for {$100.00} at XXXX. I immediately contacted American Express and reported the activity. That contact was XX/XX/XXXX, or later. I was told that they identified it as fraud and 30 days they will correct my account. They removed the {$100.00} from XXXX, but not XXXX. They also replaced my credit card. on XX/XX/XXXX, I noticed that the XXXX {$100.00} charge was on my and and I contacted American Express. On XX/XX/XXXX, they credited my account with the {$100.00} from XXXX. On XX/XX/XXXX, American Express reapplied the XXXX charge and indicated that XXXX provide an unsigned receipt to show prove that the purchase was made, despite the fact that while the charge was being made, I was at home on the phone with American Express reporting it. Every month since this charge I contacted American Express and on XX/XX/XXXX, XXXX indicated that after looking at the charge, they mislabeled it as a dispute and not a fraud and she will fix it in 30 days. She provided me with a ref : # XXXX. On XX/XX/XXXX, I spoke with American Express Fraud Rep. XXXX and she told me that they will not be able to help clear up there mistake.
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 Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfers

XXXX used wester union online services to transfer XXXX $ to my overseas bank account with XXXX bank XXXX. I did the transaction on XXXX XXXX 2015. The money has not reached my bank account in XXXX till now. I have already escalated this issue with Western Union on XXXX XXXX 2015. 
Since then i have been calling western union customer care and they have always given false status and have been transferring my call to various departments, they have also told me that money will be refunded to my account but have not refunded till now. 
I have been harrased by there operators for hours during the call. They even hang up on me various times and have kept transferring my call to various departments who have no clue about the issue. Till today alsowhen i called them they told me that it has been transferred and when i reported its not there then they told me that they will have to escalate the issue and it will take XXXX business days.They are not even telling me the status and holding up my money. 

Please find the transaction details : western union online id : XXXXXXXXXXXX number ( MTCN ) : XXXX I am attaching the statement of XXXX bank for XXXX which shows that money has not been transferred till now. The statement is password protected and the password to open is : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I payed Goodleap a balance of XXXX by check marking it payed in full the balance on the bill. They will not take it off my credit saying I still owe a balance. They also keep sending bills saying I owe them interest. I contacted an attorney he talk to them sending a letter and ask why I still own them money they could not answer him. So he told them I was not going to pay another penny the account was payed in full. I have a copy of the check from the bank stating payed in full on the bottom of the check. They should cease and desist. They have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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 reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX XXXX  & # XXXX 's. ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.