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

I am writing to formally report that I have fallen victim to identity theft as a result of the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report.

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay.

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law.

Thank you for your prompt attention to this matter.
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 Account # XXXX. 
XXXX XXXX  Account # 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 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 have received dozens of calls to both my non-published land line and cell phone numbers from a telemarketer purporting to be variously from Experian and other credit reporting bureaus. My research indicates that many consumers are receiving calls from the same source. 

The incoming call is obviously " spoofed ''. As an XXXX XXXX professional with some 40+ years experience, I can state this with some authority. The caller invariably has a thick accent that indicates English is not his/her first language. The caller infers that they are in possession of my credit report and compliments me on my payment history. The caller then offers to lower my interest rate to 0 % and asks for my card 's expiration date ( " Just so we can verify that it's your card. '' ) When pressed for further information about the individual, company or offer the caller gives vague, incomplete and suspicious answers. When the caller is asked for contact information for his/her company such as the corporate headquarters address the only method of contacting their company seems to be via their customer service number : ( XXXX ) XXXX. 

Although I have not called this number, my research indicates that it is commonly given in connection with this suspicious activity. Many consumers have complained about this number through various fraud reporting and complaint sites on the Internet. They also describe further suspicious activity when calling this number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Personal Information for XXXX NAME : XXXX XXXX XXXX XXXX I would appreciate if you could take care of any incorrect names in your database. My actual name is XXXX XXXX. If you have anything in your system that is different from what I have just mentioned, please delete them immediately can make sure the database has accurate information about me.
Product: Mortgage

I have previously submitted a complaint under claim number, XXXX on XX/XX/XXXX received a notice from PHH acknowledging receipt of my complaint dated XX/XX/XXXX ( attached ). The letter included a invitation to contact XXXX XXXX from customer account analyst with any questions at XXXX ext. XXXX. I called the number but the automated answer is that extension can not be reached from this number! 
My complaint is simply that PHH has set up a system with the intent to avoid all direct contact with its customers. On XX/XX/XXXX after approx 30 min of various phone transfers and hold delays I was able to speak with an agent who said would make the necessary reversal of the mis-applied payments, but he could not explain why my payments were repeatedly being paid to principle and not as a regular payment.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Was approved to Open a Credit Card with Capitol One Bank in XXXX with a limit of {$3000.00} dollars was granted to me. I begin to use the credit card as needed and make timely payments when required. Capitol One increased my limit to {$5000.00} after 6 months of on time payments. Continued Using credit card and one day in XX/XX/XXXX they ( Capitol One ) notified me that there was fraudulent activity in my account and immediately closed my account. Now 2 years later XXXX they are attempting to sue me in court over the fraud balance of {$6000.00} dollars holding me responsible. Also I went on XXXX credit agency and attempt to correct specific information such as address and amount owed ( which is XXXX ) regarding the this Capitol one card and received a response from them ( Capitol One ) that my credit limit was only {$3000.00} further damaging my person and credit because the limit was {$5000.00} not {$3000.00}. The address the account is opened in and the address they have on file do not match. Also they play around with the credit report numbers. I have an auto loan with them and as soon as Im even a day past payment date ( within grace period ) they ( Capitol one ) mark it as late and it effects my credit and it isnt late! Credit Card ends in XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They called my work number and I work in healthcare and was with a patient. I told them they needed to call my cell #. She said no, u call me back. I said well Im with a patient and I havent heard anything about this debt, she said well I will just send you to collections then. I told her that this is very unprofessional and I can loose my job. She said ok and hung up
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint regarding the ongoing presence of fraudulent items on my credit report, as maintained by 3 Credit Bureaus. These fraudulent entries have had a detrimental impact on my financial standing and creditworthiness, and despite previous attempts to address this issue, they persist on my report. 
I have attached copies of supporting documents, including [ attach copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation ]. These documents substantiate my claims and demonstrate that I have taken appropriate actions to address the fraudulent activities associated with my credit report. 

I have previously initiated disputes regarding these fraudulent items through your bureau, and I have provided all necessary documentation to support the legitimacy of my claims. However, to my disappointment, these items continue to negatively impact my credit score and financial well-being. 

I kindly request that you take immediate and comprehensive action to rectify this situation. Specifically, I request the following : Thoroughly investigate the fraudulent items listed on my credit report, verifying their authenticity and ensuring they are removed promptly. 

Provide me with written confirmation of the removal of these fraudulent items from my credit report within exact timeframe from the date of this letter. 

Implement enhanced security measures to prevent the recurrence of such fraudulent entries on my credit report in the future. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the importance of maintaining accurate and reliable credit reports and the potential consequences of fraudulent activities on my financial life. Therefore, I request your utmost attention and expeditious handling of this matter. 

I expect a response to this letter within exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and report this matter to relevant regulatory authorities. I am asking for your assistance to remove the following items immediately : XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries that were reported 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 and XXXX XXXX. 

Attempted to dispute inquiries with all XXXX credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.
Product: Checking or savings account

Subject : Urgent Assistance Needed Regarding Missing Deposit Dear Chase Bank Customer Support, I hope this letter finds you well. My name is XXXX XXXX XXXX and I am writing to bring to your attention a concerning issue I have encountered with a recent deposit from XXXX XXXX. 

On [ Date ], I was expecting a deposit of {$270.00} from XXXX XXXX to be credited to my account ( Account Number : XXXX However, upon checking my account, I noticed that the deposit did not reflect as expected, and it seems there might be an issue with the transaction. 

Given the importance of these funds, especially during these challenging times for me and my family, I kindly request your assistance in investigating and resolving this matter promptly. The {$270.00} is crucial for me to address immediate financial responsibilities, including providing for my newborn baby and family. 

I understand that unforeseen issues may arise, and I appreciate your prompt attention to this matter. If there are any additional details or documentation needed from my end, please let me know, and I will be happy to provide them. 

Thank you for your understanding and assistance. I look forward to a swift resolution to ensure the funds are correctly credited to my account. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

The school had closed and wasn't paid the Refund amount that was owed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Debt Collection Practices Violation by Radius Global Solutions Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding a recent interaction with Radius Global Solutions , which I believe constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This call was in regard to my XXXX XXXX account. 

On XX/XX/year>, a representative from Radius Global Solutions contacted my mother directly on her phone, stating that the call was in relation to benefits concerning myself. My mother, believing it was legitimate and related to my well-being, merged the call with me. During this call, the representative requested that I verify my Social Security number, leading to the inadvertent disclosure of personal information with my mother present.

According to the FDCPA, debt collectors are prohibited from discussing details of a consumers debt or related personal information with third parties without explicit consent. Furthermore, they may only contact third parties to obtain location information, and they must avoid misrepresenting the nature of their call. The representatives misleading statement about benefits and the request for sensitive information in the presence of my mother is a direct violation of these guidelines and has caused me distress and concern.

I respectfully request that your office investigate this incident to determine if appropriate enforcement actions can be taken against Radius Global Solutions. Additionally, I would appreciate guidance on any further actions I should take to address this violation and ensure my privacy rights are respected. 

Please feel free to reach me at XXXX or via email should you require further information or documentation regarding this complaint. 

Thank you for your attention and assistance in addressing this matter. 

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

i contacted Trans union regarding some inaccurate inquiries and they refused to look into my report. i called on XX/XX/XXXX to ask why and the representative told me to provide letters from the company stating why they pulled the report. i know my rights and i have the right to dispute and inaccurate imformation on my report. the following was included, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, XXXX, XXXX XXXX TransUnion. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Assistance with Inaccurate Information on Credit Report Dear CFPB, I am writing to seek your assistance regarding an ongoing issue I have been experiencing with Experian concerning inaccurate information on my personal credit file. Despite my repeated submissions of documentation to rectify these inaccuracies, Experian has continued to disregard my materials, only correcting my name in their records. 

Additionally, I have noticed that my name and address are also listed on my XXXX account correctly. That other address is not linked to any of my accounts listed on my credit report. I respectfully request that this unassociated address be removed as it is causing confusion. 

I believe I have provided sufficient documentation to support my claims, yet it seems my efforts have gone unacknowledged. I would greatly appreciate your help in investigating this matter and ensuring that my credit file reflects accurate and correct information. 

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

Sincerely,
Product: Debt collection

I am writing again to dispute the validity of the debt associated with the account number XXXX that appears on my credit report. As I have previously stated, I am completely unaware of any such debt and I did not have the opportunity to dispute it prior to it being reported to the credit bureaus. Furthermore, I have not received any proper notification regarding this alleged debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive proper notification before any debt is reported to credit agencies. It is my right as a consumer to be informed of any debt owed and to have the opportunity to verify its accuracy. 

I must emphasize that I have not received any correspondence, letters, or notifications from your agency regarding this debt. If you believe that proper notification was provided, I kindly request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt of the notification. Without such proof, I maintain that I did not receive proper notification as required by law. 

As a result, I am requesting that this debt be removed from my credit report immediately. It is imperative that this erroneous entry be rectified as it is negatively impacting my creditworthiness and financial well-being.
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. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account namXXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX Account # 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 an 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 or 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 reporting

XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX XXXXXXXXXXXX RE : Account # XXXX CONSUMER COMPLAINT/FIRST XXXX RE : ID THEFT VICTIM I was a victim of Identity theft and did not give written or verbal, authorization for this account or any account to be opened with this company. I had a fraud alert in place with all three of the major CRA. I have submitted ALL of the proper and requested documentation requested by XXXX XXXX XXXX. I have sent via USPS as well as faxed requests for the account to be removed from my personal credit report. They have not only refused to acknowledge my repeated requests to complete their investigation that they do internally, they will not stop calling my work cellular phone that they obtained the phone number via their caller ID method of tracking people that are in collections. I contacted this company as soon as I was made aware of the several other opened credit accounts, collections and inquires that were obtained with my personal and private information. I immediately filed a police report, contacted the FTC, OAG office, and the CRA 's to start the grueling process of returning my personal credit score to where it was before this debilitating act of fraud was committed against me. I can not get a mortgage loan, bank account, car lease, or any other forms of banking and or financial products and services now because of this company violating my rights under the Victims of Identity theft ACT, initiated by the federal government. I do not know what more I can do to get this company to respond to my repeated pleading of removing the fraudulent and inaccurate negative information to the credit reporting agencies. I am also at risk of potentially losing my job due to a new policy that is going to go in to affect with my company due to the poor credit score and history that I am being punished with for a crime someone else committed. Please Help Me? 


Acknowledgement from Ohio Attorney General I agree that the information given above is true to the best of my knowledge and belief. 

Thank you for filing your complaint. You should receive an e-mail confirmation of your complaint within 24 hours. 
Your complaint reference number is : XXXX If you have any additional information, please contact the Ohio Attorney General 's Help Center at ( XXXX ) XXXX. Please have your complaint reference number ready.