23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus experian, XXXX, and XXXX and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus experian, XXXX, and XXXX. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights as a consumer for the second time. I had informed them that I never gave them permission to furnish an account on the credit report and that it was fraud. I had provided them with an FTC report in regards to this as well as a complaint with the consumer financial protection bureaus. In Experian previous response they had agreed to remove the account from my credit report but then added the account back to my report. This has continuously ruined my reputation and has caused major stress towards my life.
Product: Debt collection

On XX/XX/year>. I submitted a notice of dispute through the consumer reporting agencies because I was unaware of your collection agency or the collection account being furnished on my consumer report by your company. On, XXXX XXXX I received a response from my dispute Via XXXX with updates to the balance & past due amount but no change to the DISPUTED INFORMATION which was I was completely unaware of this collection account and your collection company.

Im disputing under the FDCPA because you failed to follow the proper procedures required under the FDCPA in order to legally collect on this alleged debt, I never received any initial communication from your company or my notice of debt contents in writing that was supposed to be provided to me which gives me 30 days to dispute the validity of the debt or any portion thereof before furnishing this collection on my consumer report Your company never gave me my right to dispute this debt before putting it on my credit report, which is a violation of section 809 of the FDCPA. If you believe your company did provide initial communication and send me this notice of debt contents. Im demanding receipt of notice ( proof of delivery ) of this statement pursuant to section 809 ( a ) ( 3 ) PRIOR TO the completion of this XXXX investigation. Please send proof to my address listed above. 





Additionally, your failed efforts to conduct a proper investigation to the disputed information with respect to the relevant information provided by the consumer also puts you in violation of FCRA. 







Let me be crystal clear I am NOT Requesting validation of debt. I am DEMANDING compliance of the FDCPA because you failed to provide me with a validation of debt letter PRIOR TOO furnishing this negative information on my consumer report.

I am demanding immediate deletion of all Collection accounts that you furnished on my credit report without properly validating them I will give you 30 days from the day you receive this letter to be in compliance. 



Please see supporting documentation as it is a copy of my investigation results, I received from XXXX of your company verifying my disputed information as accurate and a copy of my credit report with the non-compliant accounts highlighted
Product: Debt collection

I would appreciate a settlement letter from Macys pertaining to a {$430.00} account that was charged off several years ago. Macys has not sent an updated statement for years, and I believe that I can make restitution to this account quickly if properly communicated with. Therefore, I go through the CFPB to get the attention of Macys.
Product: Mortgage

ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Product: Mortgage

I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills.
Product: Credit card

XX/XX/2023 I applied for a Capital one spark credit card. Regrettably, my application was denied without justifiable cause, which has raised concerns regarding potential discrimination or mishandling of my application. I received an adverse action letter stating that my credit is denied for the reasons of : missing or unavailable information. Even though the letter clearly stated that XXXX had been accessed and a credit report and score retrieved. I immediately called Capital One to rectify the situation. On a recorded line I was told that they only solution was to re-submit the application for another hard inquiry with the exact same result. I then asked for the CEO information so that I could get a affidavit stating no promissory note was created in reference to my application and to address why I was denied even though I was asked for my social security number without XXXX form. I was told there was no CEO information and I was the transferred to XXXX. XXXX basically parroted a very similar refusal to provide any additional supervisory or CEO information and then hung up mid call. I did not receive any additional information as to how to get reconsideration on the application and was denied every form requested. Upon further inquiry with Capital One, I was unable to obtain a clear and satisfactory explanation for the denial. This lack of transparency has left me feeling unfairly treated and concerned about potential violations of my rights in the credit evaluation process. I firmly believe that I have the right to fair and equal treatment in the credit application process, as outlined by the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Denying credit without providing a valid reason undermines these fundamental rights and could potentially be indicative of discriminatory practices.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INQUIRIES XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Someone signed up for an Experian XXXX Checking account on XX/XX/XXXX with my name and e-mail address and there's no way to resolve the issue. I'm concerned the account was opened for fraudulent purposes. I tried several different phone numbers and online forms which only lead to automated systems incapable of resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX, XXXX  my Identity and personal information was stolen. Both of my banks, USAA and XXXX, were hacked Into and an account takeover began, with all of my funds in both accounts were stolen in access of over {$100000.00}. Also, an auto loan in the amount of {$65000.00} and a credit card with a {$100.00} balance was fraudulently opened in my name through the bank USAA. XXXX XXXX identified the account take over immediately and credited my account back {$70000.00}. After 3 years of trying to get my money back and my credit fixed with USAA, I have run out of options. USAA has locked my out of my account, refuses to show any evidence of the crime after numerous of FTC reports and requests asking for them to furnish all evidence. A police report was filed. USAA continues to hang up on my phone calls and refuses to address all of the criminal activity that has happened to my. They refuse to acknowledge my account take over with both checking and savings account well over {$50000.00}, and the fraudulent auto loan ( {$65000.00} ) and credit card ( {$100.00} ) remain on all 3 credit bureaus. After locking me out of my accounts USAA kept over 4 months of income direct deposits into my accounts until I could get the transfers completed to XXXX. USAA is a criminal organization and must be held accountable for allowing my life savings and credit ruined. I need help. Much more information credible information is available and proof I had nothing to do with this crime. Please help me.
Product: Checking or savings account

This is the 2 nd time Im having huge problems with Citizens Bank. My account was taken over last year the bank never changed my account number only debit cards and they finally got in and took over my account over {$4200.00} has been taken! I have been filling out dispute for XXXX XXXX transaction and denied! I am taking care of by home XXXX I can Prove I was at my home with a home XXXX worker paid for by the state of XXXX or in a hospital not ever in XXXX XXXX at an atm machine! XXXX was breached all these charges to them! This is unacceptable I have proof on XX/XX/2023 XXXX XXXX said I deposit {$45.00} on XX/XX/2023. How
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and this is account is stopping me from buying a home.
Product: Debt collection

Southwest Recovery Services XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XXXX Original Creditor : XXXX XXXX XXXX Balance Due : {$15000.00} Client # : XXXX XXXX XXXX XXXX - CREDIT REPORTED ACCOUNT Mon, XX/XX/year> at XXXX XXXX  Your account was submitted to our office on XXXX and we have made several attempts to contact you and it is still not resolved. Your account has been reported to the credit bureaus. We would like to make you a final offer to clear up this past due amount and update your credit report. You may be entitled to a reduction in the amount owe of {$15000.00}. Do not wait to contact our office to see if you qualify.

Use the link below to make payment or call us at ( XXXX ) XXXX. Go on line to view your account and make payment.
Product: Credit reporting or other personal consumer reports

I am providing a follow-up complaint today to update you on my ongoing case as a victim of identity theft. In accordance with FCRA Section 605b, it is mandated that Credit Reporting Agencies expunge any items listed on an identity theft report, as in my case under reference # XXXX. Enclosed are the reattached documents intended to facilitate the removal of fraudulent inquiries currently reflected on my reports. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX someone took an online loan under my name of {$3200.00} at a bank called American First Finance with an interest rate of 179.50 %. 
I tried calling the bank and they are requesting a lot of personal information from me including soso al security number un order to verify my identity. I never requested a losn from them. They have a contract under my name, but with a fire tent address from another state, which I never lived there. 
They sent me an email with my contract which I never signed. 
The bank does not seem like a real bank and when I looked them up online it looks like a lot of people is going through the same issues. Opening accounts and stealing peoples identity. 
I filed a police report and I am still waiting to resolve this issue.

America First Finance is stealing peoples information and giving fraudulent loans with ridiculous interest rates.
Product: Credit reporting

Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.
Product: Debt collection

I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!
Product: Checking or savings account

My wallet containing my card was lost in a XXXX ride on XXXX XXXX. I used XXXX XXXX to purchase something at a XXXX store before returning home. Upon getting home I noticed my wallet was missing. I went to my online BOA account to lock my card immediately when I realized that my card had been used at a XXXX XXXX  ATM and someone withdrew {$990.00}. ( My push notifications were on, however, BOA has yet to fix debit card transaction notifications, although I've brought it to their attention before. They tend to come hours after the transaction was made. ) I then called BOA to report the fraudulent activity. I was given a claim number, and I was told to wait 7-10 business days for a decision regarding a provisional credit. Fast forward, my claim was denied on XXXX XXXX. I provided the agent I spoke with ample details about my claim. I'd also like to note that I tried to follow-up about my claim on XXXX XXXX and the agent said she escalated the claim and that someone would reach out to me shortly to no avail. I never received any correspondence about my claim with BOA since I initiated the claim. My claim was grossly mishandled and minimized.
Product: Credit reporting

Transunion had a glitch in there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to get my annual credit report online, I some how get a " technical error '' and have to mail in the forms. There is no way all 3 bureaus have an issue. They are  making it harder for me to get my information. This is frustrating, against the law and I wo n't stand for it.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with upgrade in XX/XX/XXXX. The payments were {$46.00} in total I have made about 23 payments totaling up to {$930.00}. I had a payment on XX/XX/XXXX but I am in a hardship and I am unable to make a payment. My expenses have increased and I would like to consider what I have paid towards the loan and close the account. I am on a fixed income and Im barely making it.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these account does not belongs to me XXXX XXXX XXXX XXXX XXXXXXXX. and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lost my Wallet with my Social security Card, ID Card and Email information in it. My E-mail address has been hacked and I have been the victim of Identity theft, my social security number, driving license and some of my other personal information has been stolen from my Email address. I didn’t open this account and it's not mine. I don’t know who opened it. I am not responsible for this account. I just think someone misused my information but I don't know when and I'm not familiar with electronic stuff. But
maybe someone misused my personal information that is always in my wallet because lost my wallet multiple times. About my lawyer who was trying to negotiate for the settlement, I have to say, at that time I did not know what to do about it and I thought maybe lawyer can do something about it but this account is not mine at all. I was
desperate and did not know what to do. Someone may have opened this account with a fake ID. Also, I have never received any bank statement by mail
or via Online banking. And if anyone could have access to my information, they could have forged the signature which is on my driving license and use any other personal information which belongs to me. I have never done any payments. If there are some payments which has been paid by me, it is because I didn't want bad score to appear in my credit report, I knew it was a fraudulent account and I reported it to bank, but because I knew it will take some time for this matter to be resolved, I decided to pay a minimum amount so that I can keep my credit score high and protect my financial credibility, I didn't have any other intention beside that.