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

I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with Trans Union already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX EYANT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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 days from all three credit bureaus.
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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX ACCOUNT NAME : Untitled ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

XXXX XXXX and United Holding Group , XXXX are both reporting information to the credit bureaus ; for what appears to be the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).
Product: Debt collection

I did not know I owed these amounts until they hit my credit report. I called the company and paid them all in full so all the balances are XXXX. I have asked the company to remove them from my credit report as opposed to paid derogatory and they have not. When I called again to ask, they told me they could only mail receipts showing paid. When the representative read my address to me, it was not correct. They were still continuing to use an old address. I never received notice from them. Some of the amounts were as little as {$2.00}. I need these removed from my credit report. 
credit coll/usa. XX/XX/XXXXacct : XXXX. This was paid. Has not been deleted credit coll/usaXX/XX/XXXX acct : XXXX. This was paid. Has not been deleted credit coll/usa XX/XX/XXXX acct : XXXX. This was paid. Has not been deleted. 
credit coll/usa XXXX acct : XXXX. This was paid. Has not been deleted. 
cred coll/usa XXXX acct : XXXX. This was paid. Has not been deleted.
Product: Credit reporting

I have filed a dispute regarding a Judgement that is being reported by all XXXX credit reporting companies as unsatified, whereas, the court docket shows that the judgement has been satified. This is the XXXX time I have filed a dispute and the XXXX previous times they credit reporting companies provide a final response stating the current status was reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to credence a debt collector who I asked to verify a debt on my credit report however they sent me a letter stating that it is valid with no supporting documentation. I have never had XXXX XXXX XXXX who they state is the original creditor and I can not possibly owe someone I have never done business with! Credence is refusing to remove this INACCURATE information from my credit report and I am considering litigation as this reporting is causing me severe distress. While I prefer not to litigate I will do what is in my best interest.
Product: Credit reporting or other personal consumer reports

As credit report analysis date XXXX it was showing XXXX XXXX XXXX XXXX XXXX with balance of {$1300.00}, I called ( XXXX ) XXXX XXXX to confirm, but they found not records of this account, I want demand XXXX XXXX XXXX XXXX to remove this negative credit inmmediatelly ftom my credit report.
Product: Mortgage

Mortgage PAID IN FULL on XXXX XXXX, 2016. Husband has called for return of original DEED OF TRUST, return of original PROMISSORY NOTE marked " paid-in-full '', and a RELEASE OF LIEN so we can file the appropriate documents with the county to show that there is no lien on our property. Basically, the mortgage company is lying to us already!! Customer Service says all this was sent by Certified Mail on XXXX XXXX, 2016. Postmaster says Certified mail is received in less than 5 business days. Mortgage company can not give us a tracking number for the Postmaster to trace this Certified mail. This is the LIE!!! I do n't want this situation to drag out over a long period of time and become an unsolvable " ISSUE '', requiring legal assistance ; even though my nephew is a lawyer. I can provide names and dates of phone calls to the mortgage company. I can provide copies if documents sent to the mortgage company, i.e., copy of the wire transfer where the credit union sent the payoff money to the mortgage company & the check where the mortgage company returned the escrow money to us because of the loan being paid off. I suspect the mortgage company has absolutely no idea where the Deed of Trust or the Promissory Note are physically located!! Probably, these documents have been LOST for years!! I expect the mortgage company to continue LYING by telling us that " we did this '' or " we sent that '' kind of XXXX. This is why I am asking for help from you. I am XXXX XXXX years old and want this situation completely settled and the proper paperwork filed at the county before I die! I have read the " complaints '' website on this mortgage company. It seems that this mortgage company will go as far as possible, evenly illegally, to hurt us. There is one complaint similar to ours where the homeowner has yet to receive documents after SEVEN years! There are many complaints alluding to payments being made on time, only to receive foreclosure notices. I expect to receive late-payment notices starting this month ( XXXX, 2016 ). There are complaints where this mortgage company receives insurance checks for repairs, ( i.e., windstorms or floods, etc. ) but does not release funds to pay contractors, leaving the homeowner responsible for all repair bills while trying to get the insurance payments " released ''. I feel as though I better start protecting myself from this under-handed mortgage company! This is why I am asking for your assistance right away.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was scammed in the amount of {$1400.00} through US Banks platform via XXXX. I received a call from a guy and he stated he was calling from XXXX. He stated that someone was trying to use my debit card at XXXX, ordering a {$1500.00} iphone. He asked me to go online to XXXX, fill-out claim form to have money refunded. I continued to the XXXX site which he walked me through, which looked legit, filled out claim form and clicked GET REFUND MONEY. After that, he had me to go to another website, clicking on different buttons, and unbeknownst to me, he had access to my computer. Once he had access, without my knowledge, he told me to go to my online banking to see if money was refunded and at that time, my screen went blank. I asked why is my screen blank, he stated dont turn it on. I stated I already turned it on. Apparently, at this time, he had access to my computer and bank information and quickly did a XXXX transfer to himself. The name the XXXX was transferred to is XXXX XXXX, phone number : ( XXXX ) XXXX. Once I realized what had been done, I quickly contacted US Bank and reported this fraud/scam transaction. US Bank put account on hold pending fraud investigation. When the fraud investigation was completed, XXXX stated that XXXX denied my claim. XXXX further stated that their FDIC does not cover third-party fraud claims. Could you please be so kind and help with this issue. Thank you for your time and consideration. Should you have any further questions, please feel free to contact me.
Product: Debt collection

This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. 
Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. 
Willfully ignoring a cease and desist order. 
Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. 
If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. 
I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. 
If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court. 
An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. 
Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your license number and registered agent. 
Identification number of the state ID used to obtain the alleged line credit. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.
Product: Debt collection

I am a victim of identity theft and below is what happened. 
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.
Product: Checking or savings account

I have had several accounts opened in my name. The account consist of bank accounts and credit cards that I did not apply for. I need assistance with these issues. 
Citibank Debit card XXXX XXXX card
Product: Checking or savings account

I opened an account with Truist for my non-profit organization on XX/XX/XXXX. 
I asked at the opening of the bank account what were the fees to handle the account I was told there are zero fees because I am XXXX 
Due to donations being held longer by my XXXX XXXX  ( and unbeknownst to me as I thought donations through card payments went directly into my bank account ) the donation money did not go into the bank account early enough and I made three very small purchases that went into overdraft two purchases of {$2.00} each on XX/XX/XXXX and XX/XX/XXXX and one purchase of {$88.00} on XX/XX/XXXX. 
The bank charged two overdraft fees of {$36.00} for each for the two {$2.00} dollars purchases on XX/XX/XXXX and XX/XX/XXXX and another overdraft fee of {$36.00} on XX/XX/XXXX. So total {$100.00} of overdraft fees. 

I went to the bank twice to fix the issue, once I went to cover the overdraft on XX/XX/XXXX and made a {$200.00} deposit, and then I talked to an adviser in person on that same XX/XX/XXXX, I asked him to remove the fees, I told him I thought the website had wired donations to the account and I thought in good faith that the account had sufficient funds. 
The adviser said he could not process three fees removal and he would have to ask the director on the next Monday. I went back to the bank on XX/XX/XXXX and I met with the manager or director and he said he put a request to corporate for overdraft fee removal. He showed me the email and he told me he would give me a follow up. We are XX/XX/XXXX, and since then no news, no answer and the fees are not refunded. 
On XX/XX/XXXX, I reminded the director that truist had officially announced on the CFPB website that they are no longer charging NSF fees. He said that it was not applying because they still apply those fees to organizations like me. I was pretty shocked since they made an official announcement, and since I am a very small XXXX  with extremely small donations, i am not a business, I run a very XXXX XXXX XXXX XXXX I barely have anything in the bank. I find scandalous that they charge two {$36.00} fees so {$78.00} total for {$4.00} total of overdraft ( 2 purchases of {$2.00} each ) and they are lying to federal authorities and to the public by saying they removed the NSF fees, as they are still applying them. See left column https : //www.consumerfinance.gov/about-us/blog/consumers-on-course-to-save-one-billion-in-nsf-fees-annually-but-some-banks-continue-to-charge-them/ I want to put a formal complaint against this institution, I am a very XXXX XXXX XXXX, I am not a business and they are disseminating false information on NSF fees on a public website ( on the CFPB website ) as they still charge NSF fees XXXX I was given no moratorium or no chance to bring the account positive, I was automatically charged 3 overdraft fees in a row with no chance to regularize the account. I need them to refund the {$100.00} of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into Chase Bank at XXXX XXXX XXXX in XXXX XXXX to open a joint checking account. I opened the account, and to instruct me on how to view the account online, the banker logged into my account w my consent. However, when she showed me the credit monitoring option, she clicked Agree without asking me first. This signed me up for Chase credit monitoring and I did not want or need it. I did not confront the banker inside the bank because I did not realize I had been signed up until I read the confirmation email when I returned home. Ive now asked Chase via secure message to de-enroll me from the service, but they continue to inform me what credit monitoring is and are not complying with my requests. I use another monitoring service and I do not want this one. This was done without my consent and I want it reversed. This is identity information I did not consent to share.
Product: Mortgage

I had hired a law firm to assist me with a loan modification.XXXX XXXX XXXX is very much aware that I am a XXXX XXXX as previously established in court.I was at in residence and left XX/XX/XXXX returning to my travel assignment.I returned to Fl on XX/XX/XXXX.Plane tickets are the proof to find the house broken in, garage door damagedl, door frame broken out.Locks changed.I had to call my attorney to figure out how to get into the house.XXXX XXXX XXXX   retained Altisource who in turn entered the premise under the false pretense the house is abandoned. The electric is on, the mail is being picked up.Salt is being added to the water softener.Altisource has refused to pay for the damages.It went so far their attorneys will not acknowledge the break in.My neighbor and I have filed a report with the XXXX XXXX County Sheriff s Department and the officier I have spoken to stated he would drive to the XXXX XXXX XXXX XXXX Office for his investigation.My other neighbor overheard how Altisource had planned on putting watch dogs in the house.This is customer abuse and harassment.I am requesting financial reimburement for the damages.I had the garage door serviced.Now it will not work.It is impact resistant.The door from the garage to the house is completely destroyed.The lock and door frame are broken out.They left the AC running with the door left open.Found refrigerator and freezer door wide open.I knew something was wrong because of the electric bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : Secured Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 



Thank you for your assistance Sincerely, XXXX XXXX