23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that XXXX XXXX undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts.

Cease All Collection Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect XXXX XXXX to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from XXXX XXXX that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect XXXX XXXX to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX hereby submit this formal criminal complaint regarding a fraudulent transaction committed against me by XXXX XXXX XXXX, residing at XXXX XXXX, XXXX XXXX, with an account number XXXX at Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

The incident in question involves XXXX XXXX fraudulently creating a fake email address in the name of the President of the XXXX XXXX XXXX, XXXX, and using said email ( XXXX ) to deceive me into transferring a sum of USD XXXX to her. Upon discovering the fraudulent nature of this transaction, I engaged in an extensive dialogue with Bank of America, contesting the legitimacy of the transaction. 

On XX/XX/year>, I received the following response from Bank of America regarding my claim ( Claim No. XXXX ) : " Your claim for {$3700.00} has been denied due to no funds being available to return. '' Based on this denial and the fraudulent actions committed by XXXX XXXX, I seek to initiate criminal proceedings against her for fraud and any other applicable charges under American law. 

I have already complained the same to XXXX XXXX  and FBI with no response and attaching the XXXX copy accordingly I kindly request that this matter be thoroughly investigated and that appropriate legal action be taken to hold XXXX XXXX accountable for her fraudulent activities. Please answer me through mail as the timings of XXXX and XXXX varies totally and unable to have the conversation over phone and I am unable to understand the American ascent of the XXXX by XXXX XXXX, XXXX XXXX, Bank of America and she is unable to understand my XXXX XXXX. 

Please help help me in this regard. 


Regards Thanking you Yours XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ref CFPB complaint No. XXXX Subject : Demand for Deletion of Inaccurate Account Reporting by XXXXXX/XX/XXXX I am writing to formally notify the Consumer Financial Protection Bureau XXXX CFPB ) of evidence that demonstrates the inaccuracy of reporting by XXXX XX/XX/XXXX on my consumer report. This evidence not only highlights inconsistencies but also directly conflicts with the information being reported, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Charged off credit card acct no ending XXXX Consumer Report Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX CFPB Report Reference Number : XXXX Disputed Account : XXXX XXXX XX/XX/XXXX XXXX XXXX ) # XXXX Evidence of Inaccurate Reporting : I have obtained documentation and records that prove the reported information regarding the above-mentioned account is inaccurate and does not reflect the true status of the account. Furthermore, conflicting evidence exists that challenges the validity of XXXXXX/XX/XXXXclaims and the reporting accuracy. Despite providing this evidence during prior disputes, the inaccuracies have not been corrected. 

Violation of FCRA Guidelines : Under the FCRA, consumer reporting agencies and furnishers of information are required to : Conduct Reasonable Investigations : Failure to properly investigate disputes violates 15 U.S. Code 1681i ( a ), which mandates a thorough and reasonable investigation into consumer disputes.

Ensure Accuracy of Consumer Reports : Reporting inaccurate or unverified information contravenes 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum accuracy of the information. 

Given the evidence provided, the continued reporting of inaccurate information is unlawful and unjustified under FCRA guidelines. 

Demand for Resolution : Based on the clear violations outlined above, I demand the following : Immediate Deletion of the Account : The inaccurate and conflicting reporting by XXXX XX/XX/XXXX regarding this account must be removed entirely from my consumer report. 

Notification of Corrective Action : I request written confirmation once the deletion has been completed and my consumer report has been updated to reflect the correction. 

Request for CFPB Intervention : I urge the CFPB to take immediate action to investigate this matter and enforce compliance with FCRA guidelines. It is imperative that XXXXXX/XX/XXXX and the credit reporting agencies involved are held accountable for their failure to ensure accurate and fair reporting. 

Thank you for your attention to this urgent matter. I trust that the CFPB will address this issue promptly and take the necessary steps to protect my rights as a consumer under federal law. Should you require additional documentation or evidence to assist with your investigation, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RI. Ss # XXXX. Lots of money stolen from me my whole life along with checks, trust, inheritance, properties ( deeds ) freedom and dignity. At this point Im barely able to stay feed and alive while Im homeless by no fault of my own
Product: Debt collection

XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.
Product: Credit reporting

Experian has fail to delete wrong personal information from my report. I have send the same request twice and they have send results as deleted but wrong personal information is still showing on report.
Product: Credit reporting or other personal consumer reports

: Method of Verification Highly Requested under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation Procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below : Account explanation XXXX XXXX XXXX XXXX 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

XXXX ( XXXX ) XXXX Called from multiple numbers including unknown numbers back to back and told me they can call up to 8x in a day using 8 different numbers. This is harassment and deceptive using unknown and multiple numbers to trick the debtor. I cant get ahead with them
Product: Vehicle loan or lease

2023 I paid more than required yearly for my car payment. I ask the company to provide me with the balance they say that I owe and dates. The information they provide was not aligned with my statements from my bank account. I feel there is discrepancies in there billing practices.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute certain information in my credit file with your bureau. Upon review of my credit report, I believe that there has been a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, in relation to the furnishing and obtaining of my personal information. 
To be clear, I have never provided written consent to any party to furnish or obtain my personal information as it relates to the credit reporting process. I would like to bring to your attention that under 15 U.S.C.

1681b, personal data can not be obtained or shared without appropriate authorization, particularly when there is no written As required under the FCRA, I respectfully request that you : 1. Investigate and verify the accuracy of any information that was furnished or obtained regarding my credit report. 
2. Provide evidence of my written consent or authorization for the reporting of my information, as stipulated by law. 
3. Remove any inaccurate or improperly obtained information that is not compliant with the FCRA and your obligations.
Product: Credit reporting or other personal consumer reports

After researching my report, I discovered multiple discrepancies with how the credit reporting agencies are reporting the following accounts without my written consent and authorization in accordance to the practices outlined in the Fair Credit Reporting Act. 

As such, I would like to file a complaint that the credit reporting agency is in violation of the Codes 15USC 1681 - Section 602A, 604A section 2, 1681c ( a ) ( 5 ) and 1681s-2 ( a ) ( 1 ) in the reporting of the following accounts on my credit file : Account # XXXX - XXXX/ # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, EQUIFAX AND XXXX initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We went into forbearance with a mortgage balance of approximately XXXX. After we came out of 12 month forbearance, US Bank took our missed payments and just added them onto our principal. Our mortgage increased to almost XXXX. How is this legal? We did not take any money. Essentially we added 12 months to our mortgage. We do not know what to do.
Product: Credit card

Credit Card companies are not understanding that my XXXX XXXX XXXX XXXX is Ohio, which is a Key Provisional State, so the XXXX applies from when I enlisted in the XXXX XXXX in XXXX of 2016.
Product: Credit card

Received the following inquiries on my credit report. 
All applications were denied as they believe they were fraudulent. 

XX/XX/XXXX - XXXX XXXX  application came from someone in XXXX, XXXX  XX/XX/XXXX - Capital One Bank application came from someone in XXXX, XXXX XX/XX/XXXX - XXXX XXXX  this creditor would not disclose where the application came from. Though I do have an application ID XXXX. 

XX/XX/XXXX - XXXX XXXX  Consolidated application came from someone in XXXX, XXXX  A police report was filed with XXXX XXXX  regarding the first three fraudulent applications.
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 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.
Product: Checking or savings account

To whom it may concern, I, XXXX XXXX of the XXXX of the XXXXXXXX XXXX am writing you today as an aggrieved man. I have a checking account with CHIME and my virtual debit card ending in XXXX was comprised. There are some unauthorized transactions that I have no knowledge of, nor do I know who committed this fraud. Acting in good faith, I contacted CHIME regarding fraudulent activity on my checking account. 

I filed multiple disputes with CHIME that were denied. Acting in bad faith CHIME denied dispute # XXXX and XXXX. CHIME asks during the dispute process if someone you know may have access to your account and debit card info, I advised CHIME my ex-girlfriend may have access because we resided together, but I dont know for sure. CHIME is claiming they denied my disputes for that reason. I at no time stated my ex-girlfriend was the one who made these fraudulent transactions. I do not know who made these fraudulent and unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX ) XXXX Didnt give this company authorization to report to my 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 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit card or prepaid card

I am writing now in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a significant part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am submitting this to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Product: Debt collection

On XX/XX/XXXX I was contacted by phone by the Frost Arnett company. They stated that I owed money in the amount of {$750.00} to XXXX XXXX XXXX in XXXX FL, for services rendered on XX/XX/XXXX. The woman speaking barely gave me any time to speak! It was difficult to just get a little information from her about this so called debt. She wanted me to send a check in the above amount to their company, so they could forward it. I refused, and hung up. I then called the physician group that rendered the service, after calling my insurance company. I found out that, not only did I not owe any money, but my doctor had been paid the allowed amount from XXXX, which is my insurance company. This payment was paid on XX/XX/XXXX!!!! 
I can only assume that having a bill collector contact me, will alter my credit score! This is very disturbing to me! 
I did call Frost Arnett, and informed them that I would be reporting their company for poor, or even illegal business practices.
Product: Money transfer, virtual currency, or money service

someone changed my account password without my consent. coinbase has locked me out of my account. they will not respond to any emails or advise if money has been taken out. I have {$13000.00} in this account it has been several hours. there is no way to speak with a live person. it appears this is a common practice with coinbase. I'm nervous that someone hacked my account. 
my case number are : XXXX and XXXX can someone help me.