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

My name is XXXX XXXX, this is my SECOND time reporting this request. I ask to have the following account, names and addresses listed REMOVED IMMEDIATELY as they're reporting inaccurately. I am a victim of identity theft and DID NOT make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The names listed in my report are incorrect and do not belong to me. Please see my drivers license and social security card. Please remove the name reported incorrectly. 
Names reported : XXXX XXXX, XXXX XXXX  My current home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017
Product: Credit card or prepaid card

I was due a refund of {$94.00} from my XXXX credit card. XXXX said they sent it to Comenity bank, who services the card, but it never showed up on my account. XXXX said they never received the refund. XXXX and XXXX refuse to speak to each other, or give me details regarding the refund so this can be resolved. XXXX  finally sent me a refund check after 6 months and dozens of phone calls. However, after I cashed the refund check, XXXX put a charge on my XXXX credit card account for the same amount stating " refund '', but it's a charge, so it zeros out the check amount they sent me, so I still have not received a refund. At this point, neither company can tell me how to resolve this, who I can contact, or what I can do. They are both shrugging their shoulders saying it's each other 's fault and neither will help me and I'm still out my money. I've attached a document called " XXXX XXXX and XXXX  complaint '' that has the exact dates, phone calls, and other details. I've also attached a copy of my XXXX credit card statement showing the original charge and no refund, and the further charge of a " refund '' that XXXX  made to my account after I cashed their refund check. I've attached a copy of the check I cashed from XXXX that plainly says " Refund Check '' that I cashed in good faith. I've also attached a copy of my XXXX credit card with account information. My contact information and XXXX account info is at the bottom of the detailed complain letter I have attached.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX & XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
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 {$0.00}. 
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. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lease a vehicle at my local XXXX dealership. Upon running my credit, they submitted my information to at least 6 loan companies. I had specifically told them i wanted to try only with XXXX financing. Now i have multiple inquiries which has made it difficult for me to acquire new credit due to the high number of inquiries.
Product: Checking or savings account

Netspend corporation is stealing money from it's consumers. I have gotten charged today XXXX dollars in overdraft fees for a accidental XXXX dollar overdraft and they tell me it's what I signed up for they have been doing the every payday doesnt matter how much I wh and plead and I am tryinto get my direct deposits stopped by I can't be get anyone on the phone that's help due to saffing isues. I keep calling them ... as I do I get charged more " service fees '' They are robbing me blind and I'm close to living on the streets with my XXXX XXXX  XXXX  because of covid 19 and I can not stop crying. They won't stop robbing me blind pleas help me. Stop them from doing this to others! They are scammers! I'm so hurt and angry and almost homeless because of them I can't put food on the table the week I had to go to a local food pantry.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to let them know there are XXXX incorrect addresses on my credit report and they have yet to have the addresses removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info XXXX XXXX Account XXXX XXXX XXXX sold - Original creditor - Comments- Your statements- Contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything correct?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.

Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identity theft and inaccurate information. After reviewing my housing record credit reported by Experian, I noticed fraudulent accounts being reported, XXXX XXXX XXXX XXXX Case # XXXX. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against Experian. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information related to consumer if the person knows and has responsible cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; see FTC Report Number : see FTC Report Number : 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, according to 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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: Vehicle loan or lease

Ford Motor Credit has stated several times that the account is closed and would be removed from my credit report. 

After many months and attempts at contact the account is still listed on my credit report and is in bad standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps reporting a late that is not accurate this is the third time I have contacted them and so has the bank and they removed it last month and put it right back on this month
Product: Money transfer, virtual currency, or money service

I was victim of a scam due to a person posing as a delivery service who wanted funds in order for a package to be delivered to me from overseas. A total of {$8900.00} funds were transferred via XXXX, XXXX, and wire transfer. On XX/XX/2022 transaction of {$1500.00} and {$1900.00}. On XX/XX/2022 transaction of {$500.00}. On XX/XX/2022 transaction of {$1200.00} and {$3700.00}. Wells Fargo Bank will not return funds due to dispute is not valid via 3rd party, XXXX since it was not a " transaction error ''. Some other transactions are under investigation still but all funds should be returned due to being a victim of a scam, which the bank should be understanding of the situation. There should be a better resolution instead of informing their client that there is no transaction error so funds can not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports XXXX, Experian and XXXX refused to correct the fraudulent accounts.
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 XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion 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 reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Checking or savings account

On XX/XX/year> was notified of fraudulent activity on business checking account at XXXX. Did not see email until XXXX and call it to stop transactions but funds were already sent. At that time made XXXX XXXX Notices on transactions. Also made police report with Sheriff Department. Sheriff Department contacted the FBI. Met with FBI agent who later found out that these were transactions within the US, advised to wait 90 days to see if banks would return the money. Requested information from first call but was turned away since I talked to the FBI. After 90days started contact through the XXXX XXXX again to find out one bank had responded with no return of funds. At this time sat on hold to get more specifics for all moneys. On XX/XX/XXXX finally received the breakdown of all dollars and to each bank funds were sent. No response from Bank of America. {$160000.00} account XXXX routing XXXX Bank of America.
Product: Debt collection

Portfolio Recovery Associates does not have a license to legally collect debt from me or anyone else. The debt I am accused of owing is not mine and I have no knowledge of it. I have asked them to remove and delete this from my credit report many times. They have sent someone to my home many times to try and serve me papers to sue, the papers were never handed to me directly. The person who delivered it left it on my front door 's gate and walked away. I don't appreciate the harrastment that Portfolio Recovery Associates have done, from excessive phone calls to someone showing up to my house countless of times after they were asked not to come back. I don't not owe this debt I am accused of. I would like the CFPB to please assist so that I am treated fairly and have the debt deleted from my credit report for good. Portfolio Recovery Associates does not legally have a license to collect debt from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted Transunion today XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.