23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My son took my card without my permission and charged over {$14000.00}. In XX/XX/XXXX, he went missing for a month and When I received the bill and found out about the charges I called and disputed all the charges he had made with the help from my daughter. When my son returned to my home in XX/XX/XXXX he called the credit card company and confessed to all the charges and started making payments to them. They were told to take my name off the debt and put XXXX XXXX XXXX name to the debt. They have continued to bill me and when my son stopped paying in XX/XX/XXXX they are now coming after me. I have contacted a lawyer to sent a letter stating that I am not responsible for the debt, but they are still coming after me and sending me the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I contacted XXXX  about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.
Product: Credit reporting or other personal consumer reports

XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CRA ) Involved : ** - Name of CRA : Equifax , Experian, TransUnion - Date Dispute Filed : XXXX - Method of Dispute Submission : Online, - Description of Dispute : Validation of debt 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ).

- As of tthe day the results were given to me, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, and emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately.

- Please provide me with written confirmation of the resolution of this matter.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, I deposited two checks with my XXXX into our joint checking account at Bank of America. One check was for XXXX} ( received an e-mail from bank that deposit was successful ) and the second was for {XXXX}, which the bank said was duplicative and rejected. I then saw on my account that the {XXXX} was taken out of the XXXX} and both checks were placed on hold. I tried to resolve the matter by phone for more than one hour to no avail. One call after a long wait on hold was taken by a person and his supervisor, who said they could not access the account. On another call after a long wait on hold, the clerk told me I would have to bring the checks to a branch. 
I am an XXXX incapacitated person who does not drive or have anyone I can ask to go to the branch with the checks. I have been a Bank of America customer ( I'm called a " preferred '' customer because my interest-free checking balance is more than {XXXX} each month ) ever since B of A bought out my friendly neighborhood bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted Transunion, XXXX, and XXXX.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card XXXX this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that your company will investigate this account for me to ensure accuracy. here is my account i am asking you to verify as accurate. 

XXXX XXXX account # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Original Instrument of Indebtedness, Audit Trail, and Validation of Charged-Off Account **Dear Sir/Madam, ** I am writing regarding the charged-off account referenced in your recent communications with me. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and various accounting and legal standards, I am requesting specific documentation and validation concerning this account. 

**1. Request for Original Instrument of Indebtedness : ** Under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the original instrument of indebtedness with my autograph on it. Please note that I am requesting the original document, not a photocopy. This is to ensure the authenticity of the document and its terms. 

**2. Complete Audit Trail and Tax Registration Certificate : ** In accordance with Generally Accepted Accounting Principles ( GAAP ), International Financial Reporting Standards ( IFRS ), the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions, I request a complete audit trail of the accounts related to this debt. Additionally, please provide a copy of the Tax Registration Certificate for the involved entities. 

**3. True Certified Copy of the Original Note : ** Please provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) that binds both parties. This request is made to ensure that the document is an official and verified copy of the agreement. Please send this document via certified mail to ensure there is an independent witness to the delivery. 

**4. Validation of Debt : ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ), I am disputing the validity of the claim and formally requesting validation of the debt. Please provide detailed validation as required under the FDCPA to substantiate the claim that you are asserting. 

Please respond to this request within 30 days from the date of this letter. Failure to provide the requested documentation and validation may result in legal actions to address this matter. 

Thank you for your prompt attention to this request. Please ensure that all communications are made in writing and sent to the address listed above. 

**Sincerely, ** XXXX XXXX XXXX UCC1-308 ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At XXXX on XX/XX/2019 I received a phone call from Radius Global Solutions. The number they called from was XXXX. They have called before and have been told if they would not tell me what this debt was about to quit calling me. I have repeatedly identified myself as the person they were trying to reach but they would not tell me what the debt was in reference to without verifying the address. I identified myself as the person they were trying to reach I am not giving out any other information till I am told what it is in reference to. When I tried to pull up the companies website of www.radiusgs.com it gives you a warning that it is not a secure site and that someone might be trying to steal information.
Product: Mortgage

I was in a loan modification program and approved the ( 3 ) payments required by auto pay. They did not take the last payment, but checked they recording and stated I indeed did approve all ( 3 ) payments. I litterally begged them ( 4 ) times to take the final payment but they refused for reasons I do not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax, XXXX, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If Equifax, XXXX, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and notice this account reporting negatively. I have no recollection or knowledge of this account. On XX/XX/2022 I sent a debt verification/validation letter to this company. I have yet to hear any status update.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft and Request for Correction of Credit Report I am writing to inform you that I am a victim of identity theft, and I have identified several inaccuracies on my credit report that require immediate attention. I am seeking your assistance in correcting this information. 

My current address is XXXX XXXX XXXX XXXX XXXX, Texas, XXXX ], and I have never resided at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Furthermore, I have noticed several negative items on my credit report that do not belong to me. 

Enclosed with this letter, please find copies of all correspondence related to this matter, including letters previously sent to the creditors involved. I kindly request your prompt investigation into the following matters : Verification and correction of my address to XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. 

Removal of all negative items on my credit report that are a result of identity theft. I have attached evidence supporting my claim, including letters sent to the respective creditors. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. I request that you notify me of the results of your investigation and provide an updated copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Product: Mortgage

I am writing in hopes of getting some satisfaction with regards to a foreclosure process gone crazy.     I had a deceptive Loan Originator give me a Home Equity Line of Credit I did not ask for. Unfortunately, due to a family medical emergency had to use.     Paid on it no problem, after being a Primary care-giver for nearly  XXXX  yrs. ( and not working  )  my  XXXX  passed, the next year Bank of America tripled my payment. I could not afford this and tried to get it modified, they kept changing the person I sent docs to and kept having re-do everything. This went on for months, then they said we ca n't offer any hardship programs because you are a good pay. You will have to stop paying in order for us to do anything.     So I did, then they started with foreclosure letters, then mandatory mediation before foreclosure. Spent months in this program, finally back working, now I do n't ( ca n't ) qualify because they are adding in all their extra late fees etc. and now want {$1500.00} a month.     Btw, this whole time, I have been a customer for  XXXX . NEVER late on my primary mortgage.     Now, they have blocked my account, I am trying to get reinstated and they have added over {$5000.00} in fees to a {$4700.00} past due. While trying to see if they could waive any of them, the figures became outdated?  ( 10-15 days )  NOW they want to charge me {$13000.00}?????????????? BUT, they wo n't even let me wire anything because, well, I do n't know why.     HOW can they continue to get away with this treatment of customers??? IF you ca n't help me WHO CAN??? Please I am absolutely devastated and now apparently broke as well.     Sincerely,  XXXX   XXXX   XXXX  day # m, w, th, fr -  XXXX  home #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept Of ED 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters VIEW ALL
Product: Debt collection

I had my identity stolen several years ago, this includes credit card accounts, social security cards, id 's, medical collections, insurance, auto loans, and more. I have contacted each agency that owns each of these fraudulent debts, provided them with proper documentation, police reports and things of that nature. Numerous dispute attempts have rendered useless, and now the company refuses to accept any disputes from me as they have deemed " frivolous ''. These debts do not meet FCRA or FDCPA standards. I am attaching XXXX police reports, an original and another updated XXXX to show this has been ongoing.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts and inquiries resulting from the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts should be blocked and deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following inquiries should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please promptly block and delete these accounts and inquiries from my credit report as they were made due to unauthorized access resulting from the data breach. Kindly provide written confirmation once the accounts and inquiries have been removed, along with an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting 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 XXXX XXXX XXXX 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 have been harassed by this company Global solutions biz LLC. I've sent a cease and desist letter, they have ignored it. I have requested debt validation and company verification information and they haven't sent any verification.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was alerted to one fraudulent transaction on my card. I immediately blocked it and called to verify my identity. The bank then allowed nearly $ XXXX in additional fraudulent charges and a false payment on the account despite my validating identity, that the card was in my possession, etc. 

They even allowed someone to make a fraudulent payment which was reversed. 

It has seriously impacted my credit and the fraud team can't explain it and are saying it will take several more weeks and no explanation as to the error in their process. At one point they wanted me to mail documents when they couldn't secure the digital version!
Product: Credit reporting or other personal consumer reports

I have been the victim of inaccurate reporting that has severely impacted my financial life. Since XX/XX/year>, I have been blacklisted from all banking systems due to erroneous information being reported by Early Warning Services. This has resulted in my funds being frozen in XXXX for four months, and it was only after prolonged effort that the funds were finally released. During this process, it was discovered that there was no record indicating that my profile was " unfundable. '' Despite this, all banks continue to deny me banking services, even though XXXX and Early Warning are not reporting any accounts with significant delinquencies. This situation has caused significant hardship and emotional distress, and it continues to affect my ability to manage my finances.