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

I previously engaged CFPB regarding identity theft, and I was recently notified by credit bureaus that my fraud block request under Section 605B of the FCRA was denied. I have gathered documents from two out of three previous companies stating that they have directed the removal of fraudulent accounts from my credit report. I request that this be done within 4 BUSINESS DAYS as directed in the previous letter. Attached are the supporting documents from the data furnishers along with the original documentation sent. 

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries, collections, and charge offs appearing on my consumer XXXX credit report. 

I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These are the result of identity theft and fraud. 

Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, hope you're doing great! I'm reaching out about a scam through XXXX a couple of weeks ago. 

My wife was scammed to transfer {$300.00} which she sent through the XXXX XXXX. 

We called Chase ASAP and they said that they money was as good as sent without even making an attempt to see the bank the money was sent to. We have the name ( or username ) of the person - still they said nothing could be done. 

We have evidence that this was a scam that can be shared.
Product: Mortgage

I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. 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 , Transunion Credit Reporting Agency and XXXX Credit Reporting Agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$5000.00}
Product: Checking or savings account

I wanted to deposit {$2300.00} into my account because I needed to pay electronic bills. I went to the XXXX and started making a deposit. However, the XXXX did not immediately accept the entire amount of {$2300.00}. They returned some of the money back to me. Despite this, I decided to continue with the transaction and deposited the rest of the money, making the total amount {$2300.00}. However, the XXXX gave me a check that indicated an error and instructed me to contact the bank. When I checked my account, it only showed {$1300.00} instead of the expected {$2300.00}. I have been unable to resolve this issue for several days. As someone who earns {$2300.00} a month and uses this money to pay for housing, I kindly request that Bank of America return the remaining {$1000.00} to my account.
Product: Credit card

We have been loyal Citibank XXXX XXXX XXXX cardholders for more than 10 years. My wife and I use the card almost daily, charge between {$1500.00} to more than {$5000.00} monthly and pay the entire balance off each month before it comes due. I called their alleged customer service department regarding fraudulent charges I identified, which were presumably reversed, I havent seen a new statement yet. 

When I asked to have the new credit card overnighted to me, I was told I didnt qualify and that I could expect it with XXXX to XXXX days. To make a long story as short as possible, I spent more than XXXX hours on the phone with multiple agents within and outside the U.S. I was never able to convince an agent my business was worth an overnight XXXX  delivery charge. 

I intend to cancel my card as soon as I use the mileage points I have accumulated with XXXX XXXX. I will promptly apply for an XXXX XXXX card to supplement our spending. I most assuredly do NOT recommend doing business with Citibank ( Citigroup , Inc. ) unless it is to purchase their stock which currently pays a conservative 3.78 % annual dividend.
Product: Student loan

I filed for the Federal Forgiveness Program with the Education Department, and received a certification that my employer and my loans qualified under the program. My loans were automatically transferred to FedLoan. FedLoan sent me a notice stating I did n't qualify for the program and that they had increased my monthly payments. I did not receive an explanation for either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the following incorrect information and has been doing so for over a year with no help whatsoever. This is now causing me a lot of harm as I look for a new apartment I am unable to get approved because of this innacurate derogatory mark on my credit file. The following information is innacurrate and i have even provided a screenshot of my XXXX  account as proof. 

Balance - {$260.00} Amount past Due - {$86.00} Remarks - 120 past due All of the above is incorrect. My account balance is {$0.00}. My account is closed. And I am not past due. 

I would like all of this removed immediately from my consumer credit file on equifax.
Product: Debt collection

On XX/XX/XXXX, Midland Funding LLC, served me for a Judgment hearing on XX/XX/XXXX. They served the paperwork to my old address ( which a change of address was filed XX/XX/XXXX, and updated at the XXXX on XX/XX/XXXX ), not my current address. I also was not contacted before XX/XX/XXXX, when they served the notice for a Judgment hearing, and after receiving the notice, attempted several times to validate the debt with them on several occasions. 

On XX/XX/XXXX, I attended the Judgment hearing, which no ruling was issued. Midland Funding 's   representation stated several times during the hearing that they had contacted me via certified mail, but failed to provide any proof of receipt. No ruling was issued at the time the court entered recess. I had contacted Midland Funding several times afterward ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each time the associates I spoke to at Midland Funding either hanging up or placing me on hold for over an hour, after I asked about getting some kind of payment plan setup or asking if they could work out a settlement on the debt they stated I owed ( but refused to validate ). 

On XX/XX/XXXX, I got notified by my employer ( XXXX XXXX XXXX ), that they had received a garnishment notice. I contacted my HR department as soon as I was notified, and found out that Midland Funding had gotten a garnishment for {$XXXX}. I immediately attempted to contact Midland Funding. I spent 50 minutes on hold, during my lunch break, before being hung up on. I attempted to contact them back on XX/XX/XXXX, and after spending almost an hour on hold, was told that " We do not do any kind of payment option, we will just continue to sue you until you pay us what we say ''. 

I have made several attempts to communicate with Midland Funding to both validate the debt since and to try to work out an agreement. Midland Funding has provided me with some information in an attempt to validate the debt, however, has redacted any information that would allow me to correctly validate the debt. Midland Funding never validated the debt prior to getting a judgment and is now using the same information to garnish my wages for a debt that they will not validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to open small unsecured loan in the amount of {$950.00} with a lender called AFFIRM Inc. On XXXX XXXX, I supplied AFFIRM Inc. with the documents they requested to formally dispute the account. These documents included a signed affidavit, police report, and copy of my government photo ID ... as directed. However, sadly, they have become non-responsive to me in this matter. I suspect in doing so, they hope the unpaid loan will move to a collection agency so they dont have to deal with it. 

I have re-sent the information NUMEROUS times but they ignore my emails requesting a status update. Calling them results in speaking with low tier individuals they are unable to tell me the status of the case. 

I will try to attach all documents if the system allows ; Identity Theft Notification & Affidavit, and a copy of the police report. 

I have disputed this twice with XXXX  but they continue to side with Affirm who states I am liable for the loan. 

Sincerely, XXXX XXXX
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 15USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 or other personal consumer reports

I am writing to file a complaint against Equifax regarding a series of issues I have encountered while attempting to update my credit report. The details of my experience are outlined below : On XX/XX/XXXX, I visited the Equifax website to update my credit report. However, I encountered an error with the code " BLNK, '' indicating that my credit report was blank. Following this, I promptly contacted Equifax customer service, and a representative assured me that the issue would be resolved within 15 minutes. Unfortunately, the problem persisted. 

On XX/XX/XXXX, I reached out to Equifax again via their website. This time, a representative acknowledged the error and committed to resolving it. He explained that the steps to rectify the situation involved removing internal data blocking my report, escalating the issue, removing a fraud alert, and resetting my password. Despite my reservations about the necessity of resetting my password, the representative assured me that it was a required step to address the " BLNK '' error. To substantiate our conversation, he provided a confirmation code. 

Regrettably, on XX/XX/XXXX, I discovered that the issue persisted. Unable to access my credit report through Equifax, I resorted to annualcreditreport.com, only to find that my Equifax report now displayed an incorrect birthdate ( XX/XX/XXXX instead of XX/XX/XXXX ) and two unauthorized accounts from XXXX XXXX XXXX XXXX. These inaccuracies were introduced during the attempted resolution of the " BLNK '' error, and I believe they are damaging my ability to purchase a home. 

I am requesting an immediate investigation into the following matters : Removal of the " BLNK '' error from my credit report. 
Correction of the inaccurate birthdate on my Equifax report. 
Immediate removal of the fraudulent accounts from XXXX XXXX XXXX XXXX. 
Resolution of any negative impact on my credit score resulting from these inaccuracies. 
I am in the process of purchasing a home, and the presence of these unauthorized accounts is jeopardizing my ability to secure financing. I appreciate your prompt attention to this matter and request your assistance in ensuring a swift and satisfactory resolution.
Product: Debt collection

I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.
Product: Checking or savings account

I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit
Product: Debt collection

This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In XXXX XXXX I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to {$83.00}. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes XXXX or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was XXXX XXXX. 

In XXXX 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after. 
On my XXXX statement due XXXX I owed XXXX and had XXXX past due with a XXXX late fee. XXXX was paid on XXXX. On my XXXX statement due XXXX it was the same thing, XXXX due and XXXX past due with an XXXX late fee and XXXX was paid on XXXX. In XXXX I received XXXX statements from Chase. The first was dated XXXX due XXXX which I owed {$1000.00} with {$2000.00} past due. XXXX which I assume was because the XXXX payment was late ). On XXXX I received a revised statement stating that {$1000.00} was due on XXXX and XXXX was past due, so the XXXX payment was credited and I was again XXXX payment behind. My XXXX payment was made on XXXX for XXXX but was not processed until XXXX. That payment was returned NSF due to a XXXX reconciliation error. Still at this point I should have been behind only XXXX payments and my XXXX payment was due. XXXX XXXX was the maturity date on my modification and the {$660.00} that I had occrued should have been payable by Chase as I was less than XXXX payments late because I had paid extra on many payments to catch up with the XXXX and make a full payment.. Chase sold the mortgage to XXXX who claims that I have XXXX in suspense. Chase will not credit me my the {$660.00}. Another payment was made to Chase in XXXX XXXX it was late but made XXXX for {$1100.00} and my XXXX and the returned payment have been sent XXXX. And all that should be due is the original late payment and my current payment. 

I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that {$660.00} with the balance I have in suspense to make up the missed payment. Plus I am unsure what the {$260.00} charge is from XXXX and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
Product: Debt collection

Upon checking my email I noticed a company true accord telling me I owed them money and they were collecting for XX/XX/XXXX.
Product: Debt collection

Ive disputed this account three times and was told my number was used to open account when they should have called me directly due to information on credit requesting such. As my identity has been stolen. Account was closed and reopened to additional charges
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?