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

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX, XXXX, and Experian that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Product: Debt collection

I look at my credit score, and I saw my credit score went down like XXXX XXXX, than I saw a derogatory account, by this helvey assoc., that I own them {$240.00}, I call them to see how this happened, they got my full name and address, so I could figure out who's behind this, they say the only way they let me know if I pay them some money, when I ask what do they mean they say I don't advise to pay because this is going to stay on your record for 7 years. when I ask where is this debt came from he said pay me XXXX a month to dispute the claim so I figured it is a form of fraud and I hanged up. 
the firm name is halved associates.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with USAA in XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XX/XX/2019 USAA sent me a bill which is a violation of 15 USC 1692b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 CapitalOne ran a hard inquiry on my credit report. I called CaptialOne the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on CaptialOne 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to CaptialOne and the three credit bureaus ; XXXX, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, XXXX and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( 1 ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account XXXX ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2. It states a consumer reporting agency can not furnish an account without my written instructions 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

Equifax is reporting a collection account on my report which does not belong to me & after several reminders they fail to delete the incorrect information on my credit report. 

collection account in question is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX A/C # XXXX {$55.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX has the wrong social security number for our contract .the contact does n't match up with our real social security number.
Product: Credit card or prepaid card

Several months ago I removed an unused bank account in the app so it would stop auto paying from that account and instead paid manually with another account. 

on XX/XX/22 Synchrony readded that old account to my account and tried to pull the payment from it resulting in a reversal and insufficient funds fee. As soon as I noticed this I immediately paid the bill due manually and tried to remove the readded account but there is no way change autopay in the app. 

On XX/XX/22 they did the same thing. 

On XX/XX/22 they closed my account with no notice and took my rewards balance.
Product: Checking or savings account

JPMorgan Chase Bank froze my merchant account while closing the merchan account, withheld my funds, and then deducted the same frozen amount again from my checking account. This means they effectively froze my cash twice.
Product: Money transfer, virtual currency, or money service

I purchased XXXX XXXX total of XXXX dollars purchased from coinbase when XXXX was at XXXX dollars on Saturday got the purchase successful message and was expecting the coins to be deposited as was shown on successful message. Coins never showed up in wallet or account. Now going value for XXXX  is XXXX dollars and I am missing the XXXX coins I purchased and the profits from the growth in value. I am very unhappy that there are no people to talk to at coinbase and they have yet to deposit the XXXX XXXX I purchased as well as as the fact that I am losing profits from the investment I purchased on Saturday. The resolution I want is for them to deposit the XXXX XXXX I purchased immediatly.
Product: Checking or savings account

On XXXX Claimant requested Arbitration after the sudden unwarranted closing of his account. Respondent agent responds that there will be no arbitration due to a sub-clause that respondent believes justifies the unlawful closing of his account. Respondent has failed to use ordinary care and claimant has suffered damage.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit card or prepaid card

I disputed XXXX charges on my Citizens Bank credit card account. Citizens bank instead pf promptly resolving my dispute started to overburden me with requests for additional documentation that does not exists. In the attached letter they requested that I explain again what I had previously explained to them and requested documents that I had previously provided. 

It appears that Citizens Bank is reluctant to investigate unauthorized charges on customers ' accounts.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Balance : {$13000.00} XXXX Late 120 Days
Product: Credit reporting, credit repair services, or other personal consumer reports

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

In early XXXX, XXXX, I recieved a letter from the company stating my personal info HAD been compromised and they were offering credit monitoring. The letter got misplaced and they have refused to provide me a copy of that letter. Their cybersecurity people stated they had the letter but only XXXX could send it. XXXX denied having it. Customer service, when I asked to speak to legal said 1. Mr Cooper had no legal dept 2. Mr Cooper has a legal department, but they haqve no phones 3. That they aren't allowed to contact the legal department. 

They then tried to send me a not-our-fault letter via email, but my request for a copy of the original letter has not been fulfilled. Mr Cooper is engaging in obstruction by not providing my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM XXXX 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}. 
XXXX  Date of inquiry XX/XX/2020
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 XXXXXXXX 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: Vehicle loan or lease

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. Ive reported to all three bureaus and the company is. Ive never lived here. I am a victim of identity theft. Please help me. ive been harassed by this company. 

XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX department XXXX XXXX {$4700.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : Account information disputed by consumer Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$4700.00} {$4700.00}
Product: Debt collection

( I selected the " too many calls '' option to be able to proceed. 

My debt was written off by XXXX XXXX XXXX in XX/XX/XXXX. The charge off was removed from my credit reports in XX/XX/XXXX. The collection company is still calling and filling judgements against any of my bank accounts 10 years after the write off. 

I am XXXX years old and would like to see this go away before I die. From the research I have done, I guess I have been my own worse enemy, in that I have talked with the collection companies over these years and have admit that I owed the money, which has extended the time for them to continue to file judgements. I don't know if there is a Federal time limit for collection on debts but there should be a limit that a collection company can continue to try to collect a debt.