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

My credit reports show a collections account with Midwest Recovery Systems opened on XX/XX/2019 with an original creditor of XXXX XXXX XXXX XXXX XXXX for a balance of {$6800.00}. I contacted Midwest Recovery Systems and the representative claimed that they mailed a notification to a XXXX California address, but I have not resided there for the oast 2 years and have a new address. Furthermore, a notifcation of intent to collect is the only documentation that Midwest claimed to send. I still have not received proof that the account is valid or owed by me. The validity of this account has not been confirmed with documentation. No paperwork has been sent to me at my current or previous address. I am unaware of the account being opened or owed and it appears to be an error. I am requesting for this account to be removed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$9400.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX- XXXX  ) XXXX Balance Owed : {$2300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$440.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been a First Horizon ( formerly XXXX XXXX  ) banking customer ( as XXXX XXXX ) in XXXX, TN since XXXX. I have remarried and moved out of state the last two years. This was no longer my primary account and I rarely examined it and trusted ( after XXXX years ) this bank. I discovered on a few occasions unauthorized transactions from XX/XX/XXXX - XX/XX/XXXX that totaled {$59000.00}. Primarily, from XXXX XXXX XXXX and XXXX  XXXX ( I never had accounts with either ) and XXXX  XXXX and XXXX  XXXX XXXX ( which I do have accounts- but the withdrawals/transactions were duplicates and excessive and not ones I made and not to my accounts ( I have proof of that ). First Horizon states I did not report this in time and/or in the right way although I made them aware on several occasions yet they continued to allow these unauthorized transactions. Since reporting in XXXX XXXX  XXXX, they said they couldn't help me, yet after many complaints, ~ {$25000.00} has been returned - recently - which proves that they have discovered these were not my transactions. I need First Horizon, which should have guaranteed my account, to make me whole and refund the remaining fraudulent charges.
Product: Checking or savings account

XX/XX/2018,,, Continuting, Important Imformation About These Matters,, ( Wells Fargo Bank ),,, Have Not Fixed Any Of The Problems,, This is So UnAcceptable,, ( Previous ) Matters, And, Future Matters,, Have Not Received Any Settlement Payments Yet,, This So Overrated,,!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with XXXX # XXXX was paid it needs to be removed immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with so & so. They have not provided me with XXXX XXXX XXXX. I have not signed a contract with so & so, they did not provide the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} XXXX XXXX XX/XX/XXXX.
Product: Prepaid card

I bought a XXXX XXXX  XXXX card XXXX on or around XXXX stopped working with approximately {$270.00} on it. I called in and asked for a replacement. I was told that a card XXXX was supposed to arrive. I do not have a record of the replacement arriving. I called in XXXX and apparently spoke with somebody ( maybe " XXXX '' ) and was told to keep on waiting. I want my money back and a full accounting.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting

Hello, My concern is that there XXXX be a legitimate problem that needs to be addressed. Or it XXXX be a convenient way of redirecting customers to the website where products and services can be solicited -- in the name of say higher security? On XX/XX/XXXX about XXXX EST. I went to XXXX as I have always done for years. Choosing only Experian. The portal asked me at least XXXX questions that I knew and have known ; however, this time it indicated " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' It then proceeded to tell me how to get it through mail. It also offered an option to upload the request and any documentation required. I was not interested in that option at this time. After a bit of time, I was able to find a number to call. The representative referred me to www.experian.com/view and the response was the same screen. The representative was professional and took my information and was willing to mail it to me. I accepted. For comparison, I then went to XXXX roughly XXXX minutes later to see if this happened with XXXX. XXXX 's process asked XXXX questions and was able to obtain report. This XXXX just be XXXX incident. I am human and imperfect. I could have made a mistake. This is highly unlikely in this incident given the questions asked. 
I have attached the response minus any sensitive information Thank you
Product: Mortgage

In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.
Product: Checking or savings account

On Sunday XX/XX/XXXX I created a new bank account online with Ally bank. I requested an initial deposit of {$20000.00} from my XXXX XXXX account into an Ally savings account. On XX/XX/XXXX I noticed my XXXX XXXX account had a negative balance. Ally has requested {$40000.00} instead of the {$20000.00} I had authorized. Realizing Ally had double charged me ; I immediately contacted them and spoke with a customer service rep requesting the funds be reversed. Since it was in processing Ally could not reverse the charge. The {$20000.00} in funds hit the Ally savings account on XX/XX/XXXX and the the remainder from the {$40000.00} was sent back to my XXXX XXXX account since there were insufficient funds. On XX/XX/XXXX I attempted to send the funds back to XXXX XXXX online but there was a XXXX limit for the first 90 days. I immediately contacted Ally and spoke with a rep who scheduled the {$20000.00} to be transferred back on XX/XX/XXXX. Today I received an email that my account had been frozen due to suspicious activity. I have opened a claim with XXXX XXXX for the funds to be reversed. I also contacted Allys fraud department and verified myself. The rep stated he would open a case. I have also left a voicemail with Allys loss prevention line. Bottom line this has been an awful, stressful experience and I just want my initial deposit of {$20000.00} back. This is money I need and its been frozen with no resolution yet.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XX/XX/2013 Sent several letters by certified mail. The bankruptcy is only on one report which is Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX WY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Made final payment on two separate accounts with XXXX XXXX XXXX. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. EXPERIAN HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.
Product: Credit card

There was a {$840.00} charge on my Discover credit card that I did not do. It says it came from California and I live in Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.
Product: Debt collection

On XXXX XXXX my son was born at the XXXX XXXX XXXX XXXX owned by XXXX XXXX. I am an employee of XXXX XXXX and chose this facility for my wife to deliver to make sure our insurance covers everything. When our baby was born a pediatrician came in to see the baby, we were not given a disclaimer that this Pediatrician is from XXXX XXXX XXXX '' and was not covered by our insurance. It also does not make sense to have an out of network doctor at a in network hospital. We were not given the choice to choose an in network pediatrician. The lack of transparency from total pediatrician and then having the nerve to transfer the amount they think I owe is shady. I received a couple of letters from them directly and today on XXXX XXXX I received a letter from Wakefield and Associates on behalf of XXXX XXXX XXXX. Considering all the circumstances I do not think I am liable for this debt as I did not signed to receive out of network services nor did I opted for their physician. I would request them to close this account and cease all communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Late Payment Reporting FCRA Violation Equifax is inaccurately reporting a 60-day late payment on my XXXX XXXX XXXX XXXXXXXX account , ending in XXXX, for XX/XX/XXXX. This account was never late and was paid in full on XX/XX/XXXX. I have contacted Equifax multiple times with evidence, but they have ignored my requests to correct this error. 

I request immediate removal of the inaccurate late payment, written confirmation of the correction, and assurance of compliance with FCRA standards.
Product: Credit card or prepaid card

On XX/XX/XXXX, I prepurchased a ticket for a show in XXXX for my wife 's birthday along with her ticket. Morning of our 3 year ( now XXXX ) got sick and no one could watch her. We chose to all travel from XXXX to XXXX for the show and I stay at the hotel with our kid. I try to resale or refund the ticket with NO LUCK or any support from XXXX while I watch our toddler in another city. I open a support ticket with XXXX  again, no help. I dispute with Amex, no help. I contact XXXX  online, " Sorry for the inconvenience. Unfortunately, refunds are not permitted for this order. 
Thank you for your patience and understanding! 
-DE- '' I could not use the ticket due to the circumstances, resale the ticket or refund the ticket. 

Amex opened and closed a dispute in XXXX  's favor.