23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete for Violation 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX Please remove this inaccurate information from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I have never had phone service in my name. Ever. I was only XXXX when this was opened. In Nebraska you have to be XXXX to have a contract. I couldnt have done it if I wanted to anyway. 
The original account was opened in 2018. The amount due is {$1600.00}. Original creditor is XXXX XXXX. Collections company is Jefferson capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and XXXX inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX TransUnion & XXXX but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
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 {$4700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. 

Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). 

Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. 

Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
Product: Checking or savings account

I had a wire transfer fraud. Money was taken out of my bank account without my permission. They had all my information, name, account number, passwords .... I made numerous attempts to reach out to the fraud department. At one point I was on hold for SEVEN hours to be told that I should look into the problem myself and try to investigate it on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repair act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681. ( 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 then 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 information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some inaccuracies on my report for about a couple of months I have tried repeatedly to remove these negative items off my report these accounts have not been verified on my report and it has been 30 days or more that these accounts have been on my report
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. XXXX XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the inquirie below : XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I became a victim of Identity theft in XXXX. I have worked with XXXX ID theft, The Arkansas Attorney General 's Office and numerous creditors to clean up my reports. I contacted the Federal Trade Commission and any other agency I was told to contact. I sent copies of police reports, proof of identity, the FTC report, and notes that were written to each merchant of who I spoke with and the date each merchant was contacted to ALL credit bureaus. Several merchants sent letters showing where they contacted the credit bureaus to remove the fraudulent information. I have an identity theft passport issued by the Attorney General of Arkansas. I sent a copy to all bureaus. ALL the credit bureaus took down all of the Hard inquiries and cleaned up some fraudulent information on my reports that the person put on them. Equifax has put XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX back up on my report as hard inquiries and said they will leave it for XXXX years. They had REMOVED it. I have my reports frozen and fraud and extended fraud alerts on the reports. They are now saying I have to send them police reports and proof AGAIN before it can be removed. They have been sent this information 5 times. Three times by me and twice by the Attorney General 's office. I have had this problem with them previously and they finally cleaned up my reports. Now they are refusing to remove the fraudulent HARD inquiries. I would like help getting this taken care of. I call and the CSR are of no help.
Product: Money transfer, virtual currency, or money service

I'm writing a letter to complain about zelle handling disputes particularly with the recent cfpb lawsuit stating there was issues with the platform. I tried repeatedly with zelle to help handle the problems they failed to investigate my claim.
Product: Credit card

Citi bank- Best Buy made an hard inquiry on XX/XX/2023 that I did not consent to or know of.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding the emails I have been receiving from your bureaus, which incorrectly state that I am assisting credit repair companies. This is unequivocally false. I am the individual responsible for sending out my own letters.

I request that you take immediate action to rectify this situation. Failure to address this issue promptly will leave me no choice but to consider legal action.

Additionally, I have attached a list of negative accounts and inquiries that I would like to be removed from my credit report. 

XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to Transunion about being able to access my credit report and have not had any luck with them. I removed the fraud alert and block from my credit report and I am still unable to get a report or score. I have done everything that they have asked me to do and I still can not access anything from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an account that does not belong to me on my personal report. Consumer ID XXXX TD BANK XXXX XXXX XXXX XXXX, ME XXXX Date of Reporting XX/XX/2016 Acct # XXXX charge off amount {$240.00}
Product: Checking or savings account

I have had many problems with Wells Fargo and they recently sent me a check as liquidated damages for opening fake accounts in my name. More importantly though from XXXX through XXXX I have been charges bogus " account analysis '' fees on several accounts ( including dormant account ) for which absolutely no services were rendered. I had never agree ( at least knowingly ) to pay these fees and still don't understand what exactly they are meant to be for. It is for sure another Wells Fargo scam. As they were small monthly amounts that always varied, I did not notice them. When I finally managed to talk to somebody - they suggested that they reverse a couple of month. I asked WF for complete accounting and much to my horror was told that I had been charged a total of {$9100.00} in fees - so with interset this is way over {$10000.00}. I assume they have done this with millions of clients so they defrauded their customers potentially for billions of $ 's I have all the back up. 

Here is the email I received from them. It's outrageous. First they opoen ficticious accounts in my name and now this! 

Hello XXXX, As promised, I have the total fees for all accounts. Please let us know if you have any questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$310.00} XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX - {$390.00} XXXX - {$710.00} XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX - {$240.00} XXXX - {$250.00} ( {$90.00} was previously waived ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$190.00} XXXX - {$430.00} XXXX - {$690.00} XXXX - {$1000.00} XXXX - {$950.00} XXXX XXXX, XXXX XXXX XXXX - {$550.00} XXXX - {$390.00} Total - {$9100.00} Kindest regards, XXXX XXXX XXXX Banking Relationship Specialist ( LO ) Regional Business Relationship Management
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX Subject XXXX Debt Validation Dear, XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$620.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt.

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor. 

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating that XXXX, XXXX, Experian, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, XXXX, and Experian are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX  through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, Experian, and XXXX to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Debt collection

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Receivables Performance Management LLC doing business as RPM has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Receivables Performance Management LLC doing business as RPM claims XXXX XXXX doing business as XXXX XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Receivables Performance Management LLC doing business as RPM on XX/XX/XXXX and XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX doing business as XXXX XXXX XXXX action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX doing business as XXXX XXXX and Receivables Performance Management LLC doing business as RPM is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I dont remember opening this card and after contacting the company they are refusing to close it! Im not sure if this company is even legit or is a fraud. Please help this 100 % XXXX veteran