23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint regarding XXXX XXXX XXXX, XXXX and XXXX for inaccurately reporting a debt on my credit file with Equifax, XXXX, and XXXX. The continued reporting of this account as open and in my name is incorrect and harmful, as the account was stolen and later sold on the dark web due to the Equifax data breach. I respectfully request the CFPBs assistance in having this inaccurate information removed from all three credit bureaus.

Account Details : Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Reported Balance : {$720.00} Reported Delinquency : XX/XX/XXXX Account Purchase Date by Portfolio Recovery : XX/XX/XXXX Issue Summary : 1. Stolen Account and Fraudulent Charges : This XXXX account was stolen and subsequently used fraudulently. I reported this theft to XXXX, and they were made aware that this was not my debt. 


2. Purchase of Debt by XXXX XXXX XXXX, XXXX : On XX/XX/XXXX, XXXX XXXX XXXX, XXXX purchased the debt despite my prior report of fraudulent activity on this account. Since then, they have continued to report the account on my credit file as if I am liable for the balance, which is inaccurate and harmful.

3. FTC Report and Data Breach : I have reported this stolen account to the Federal Trade Commission ( FTC ), given that my personal information was
compromised in the Equifax data breach, which ultimately led to my XXXX account being sold on the dark web.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Product: Credit card

All of my CITI bank credit cards were closed without my permission. I was provided a letter which did not provide a specific reason nor did it provide a telephone number for me to call and obtain a specific reason. This is a violation of federal law ( Equal Credit Opportunity Act ( ECOA ), as implemented by Regulation B, and the Fair Credit Reporting Act ( FCRA ) ) I was not refunded the annual fees on any of my accounts, even though I just paid some of them. I paid every bill on time and did not engage in any illegal behavior or any behavior that violated the terms and conditions. CITIbanks actions are theft, breech of contract, violation of federal law, and possibly discrimination.
Product: Credit card

XX/XX/XXXX XXXX ( hereinafter XXXX ) receives XXXX debit cards and a welcome packet from USAA Savings Bank regular mail. 
XX/XX/XXXX DWH receives a pre-approved XXXX with {$20000.00} limit in regular mail. 
XX/XX/XXXX DWH recognizes that these financial products were not solicited by me and I call USAA to inform the company that I am not a customer and that I have never applied to USAA for any financial products. Moreover, in talking with XXXX at USAA I determine that a fraudster has used my name and personal information to open accounts at USAA and that I am a victim of identity theft. 
XX/XX/XXXX DWH goes to XXXX Police Department to report that I was a victim of identity theft and XXXX begins a police report. 
XX/XX/XXXX XXXX speaks with USAA employee XXXX, XXXX XXXX for USAA. Moreover, XXXX sends XXXX an email ( copy attached ) by and between this USAA employee and the XXXX Police Department stating " USAA is in agreement and has identified XXXX as a victim of identity theft, the fraudulent accounts opened in his name have all been closed and he will not be held liable for the accounts. '' XX/XX/XXXX DWH still receiving statements from a USAA secured checking account and XXXX sends a registered letter ( copy attached ) to USAA XXXX XXXX directing USAA to close any and all accounts that the fraudster opened using my identity and to stop reporting accounts on my personal credit history. 
XX/XX/XXXX XXXX begins to receive USAA credit card bills ( copies attached ) on the credit card account that USAA employee XXXX indicated XXXX years earlier " have all been closed. '' XX/XX/XXXX XXXX runs all XXXX credit reports to check for erroneous activity. Moreover, the XXXX report ( copy attached ) shows that USAA inquired XX/XX/XXXX on my personal credit without a business purpose. 
XX/XX/XXXX XXXX calls USAA and indicates that personal credit inquiries without a business purpose are illegal and that they have never had an account with me ; they had an account with a Fraudster. Moreover, I indicated that USAA is now harassing XXXX with billings, lates fee charges etc. on an account that was supposed to have been erased from my records. Finally, I indicate that if USAA does not send me in writing a statement saying that this credit card is closed and taken care of, I will file an official complaint with USAA Savings Bank 's financial regulator -- Office of the Controller of the Currency. 
XX/XX/XXXX DWH contacts XXXX at XXXX of the Controller of the Currency consumer complaint department and she directs me to file with the Consumer Financial Protection Bureau. 
XX/XX/XXXX XXXX files email complaint with Consumer Financial Protection Bureau supported by various PDF attachments that support the facts of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts on my credit with Experian, XXXX XXXX and XXXX and they keep coming back verified
Product: Money transfer, virtual currency, or money service

Cash app has failed my direct deposit fromXX/XX/XXXX
Product: Mortgage

In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are fraudulent on my following accounts : USDOE/XXXX is fraudulent on my credit Account # XXXX US DEPT ED is fraudulent on my credit Account # XXXX
Product: Checking or savings account

XX/XX/XXXX I deposited my tax return check To an ATM at wells Fargo I put my card chose the deposit check out my check it took my check said thank you for you're deposit on the screen and didn't give me a receipt .. I straight away called the bank to let them know my deposit was not in my account they said ( don't worry it may take up to 24 hours to post ) it never posted I've opened claims to Witch wells Fargo closes they stole my check .. my tax preparer know the check was cleared XX/XX/XXXX into a wells Fargo account because the routing number is from wells Fargo ... it's been months and still have not received my check I've done a police report everything and nothing wells Fargo has the worst employees ..rude and XXXX XXXX wells Fargo has my money in an account my tax office has confirm my money is in wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account XXXX XXXX XX/XX/2015
Product: Credit reporting or other personal consumer reports

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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. 
For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in screenshot inside this complaint in on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they as they should be due to the fact I was never late. Thanks
Product: Credit reporting or other personal consumer reports

I have a charged off account in XXXX student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/2023. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted to CFPB, Identity theft complaints and documentation to Experian, XXXX and XXXX. FCRA states they have 4 days to remove those items and they have done absolutely nothing. These credit agencies are not abiding by the law and theyre 3rd party affiliates. I am going to be opting out of all XXXX systems indefinitely because I dont feel they care about consumers just about making money with the companies they violate laws for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax 's President of Global Consumer Solutions XXXX XXXX to express my disappointment that my Equifax account has been locked out for months now and all the phone support representatives have been unable to help to get the account unlocked. 

The Tier 1 Equifax reps were happy to help lift the credit freeze, but they are unable to help me log into my account. 

Error message : We are temporarily unable to complete this request. Please try again later. 

This message hasn't changed in months despite trying multiple times a day for the past several days. 

Without the account, I can not : * File a dispute on my credit file * Obtain the free credit reports offered by Equifax * Lift my security freeze * Remove my security freeze The Tier 1 customer reps said I need to pay for a {$6.00} /month service to access my account again, which is an absolutely unreasonable request as accessing the Equifax account is necessary to perform the tasks above. 

In addition to the account login issue, I have verified through XXXX XXXX that Equifax doesn't have my XXXX XXXX XXXX card on file : - Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) - Credit limit : {$150000.00} In summary, I would like to request Equifax to fix the access issue with my account and fix the credit file to add the XXXX XXXX XXXX credit card on file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$500.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$250.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Checking or savings account

My account was frozen when I ask why they said it was under investigation I still have funds deposit into this account no one has contacted me after several attempts to fined out what is going on my income-tax is being deposit into this account. I live in Louisiana and still filling the effects of hurricane Ida I need my funds available as soon as possible.
Product: Debt collection

Re : Dispute of Alleged Debt Account Number/Case # XXXX Linebarger Goggan Blair & Sampson , LLP I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ).

2. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

3. Provide a copy of the original contract or agreement that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

4. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

5. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

6. Confirm that this debt is within the statute of limitations for collection in my state.

7. Verify that you are licensed to collect debts in my state, as required by many state laws. 

8. Additionally, I invoke the principle established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which states that a state may not impose a charge for the enjoyment of a right granted by the federal constitution. If this alleged debt stems from the exercise of a constitutionally protected right, I contend that it may be invalid under this precedent.
Product: Checking or savings account

I received a letter in the mail about Chase bank closing my account for suspicious activity. Today is XX/XX/2023, I called the number on the letter regarding any questions. I asked on why they were closing my account and they had no response back. They said just because and there were no details in the system on why it was being closed and there was no one I can speak to. I decided to go to one of their branches to speak to a manager and they said that they were entitled to close any accounts they want. My concern is why are they closing my account and if theres a suspicious activity on my account, I believe I should be informed. My account has been in good standards with them and Ive been banking with them for over 15 years. I checked my statements and transactions to see if I saw any illegal activity but I have none and Im a working guy who pays his taxes and have no issues with the IRS or my bank. I havent dealt with any fraud in my account and I have money in my account to comply with their rules. It cant be my credit score either because I have a good credit score. Inwojkd like to have my account reopened or at least tell me whats going on and why is my account being closed for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX  in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. XXXX XXXX XXXX  violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, Equifax, XXXX ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.