23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Afternoon, My name is XXXX XXXX, and I am writing to address an issue regarding a fraudulent account that was opened in my name. It has come to my attention that the XXXXXXXX XXXX, which was opened fraudulently in the fall of XXXX, has since been sold to Velocity Investments , LLC. 

I would like to formally request that you review the attached documentation and remove this account from my credit report. The account was opened without my consent, and as soon as I discovered the fraud, I took immediate action by filing a police report, reporting the incident to the Federal Trade Commission ( FTC ), and notifying the Consumer Financial Protection Bureau ( CFPB ). 

I have all relevant documentation supporting my case. 

Thank you for your attention to this matter. I look forward to your prompt response.
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 : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND BACK IN XX/XX/XXXX I SENT IDENTITY THEFT DOCUMENTS TO THE CREDIT REPORTING AGENCIES REGARDING A FRADULENT ACCOUNT REPORTING TO MY CREDIT REPORT, ( XXXX # XXXX ) THE ACCOUNT WAS IMMEDIATELY BLOCKED DUE TO IDENTITY THEFT ON ALL 3 CREDIT BUREAUS. A WEEK LATER THE ACCOUNT WAS REINSERTED TO MY CREDIT FILE WITH NO 5 DAY NOTICE AS REQUIRED BY THE FCRA AND IS A VIOLATION. WHILE IN COMMUNICATION WITH XXXX IS HOW I FOUND OUT THE ACCOUNT WAS REINSERTED BACK TO MY CREDIT FILE. XXXX IMMEDIATELY BLOCKED THE ACCOUNT FOR THE 2ND TIME AND A FEW DAYS LATER THE ACCOUNT HAD AGAIN BEEN REMOVED FROM EXPERIAN AND XXXX ( FOLLOWED SUIT ) FAST FORWARD TO XXXX WHILE CHECKING MY CREDIT I REALIZED EXPERIAN HAD YET AGAIN REINSERTED THE FRADULENT ACCOUNT AND AGAIN NO REINSERTION LETTER WAS SENT TO ME WITHIN THAT 5 DAY WINDOW AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. I IMMEDIATELY SENT EXPERIAN ANOTHER ROUND OF IDENTITY THEFT DOCUMENTATION AS WELL AS A REINSERTION LETTER ADVISING THAT NOT ONCE BUT TWICE THEY FAILED TO NOTIFY OF A DELETED/BLOCKED ACCOUNT BEING REINSERTED TO MY CREDIT FILE. A MONTH LATER AND NO REPLY TO MY DISPUTE TO HAVE ACCOUNT REBLOCKED DUE TO VIOLATION OF THE FAIR CREDIT REPORTING ACT. THE ACCOUNT WAS NEVER REBLOCKED NOR WAS IT PUT INTO ANOTHER DISPUTE NOR HAVE I RECEIVED ANYTHING IN WRITING THAT MY DISPUTE WAS RECEIVED. I THEN SUBMITTED ANOTHER DISPUTE FOR IDENTITY THEFT REQUESTING THE ACCOUNT TO BE BLOCKED OR TO PROVIDE ME WITH VALID VERIFICATION OF HOW THEY VERIFIED THIS ACCOUNT AND ADDED THE ACCOUNT BACK TO MY CREDIT NOT ONCE BUT TWICE.I HAVE REQUESTED PHYSICAL DOCUMENTS THAT WERE USED TO VALIDATE THIS FRADULENT ACCOUNT TO REMAIN INACCURATELY ON MY CREDIT FILE. PER MY USPS TRACKING # XXXX MY DISPUTE PACKAGE WAS DELIVERED TO EXPERIAN XX/XX/XXXX AND 2 WEEKS LATER I HAVE YET TO RECEIVE A RESPONSE TO MY REQUEST FOR PHYSICAL DOCUMENTS TO PROVE HOW A FRADULENT ACCOUNT WAS ABLE TO BE ADDED BACK TO MY CREDIT FILE 2 TIMES AFTER BEING BLOCKED. EXPERIAN IS IN SERIOUS VIOLATION OF FCRA AND HAS REFUSED MY REQUEST FOR DOCUMENTS OR THE IMMEDIATE REBLOCKING OF THE REFERENCED ACCOUNT. THE CREDITOR, XXXX # XXXX HAS SINCE ADVISED ME THEY HAVE CLOSED THE ACCOUNT DUE TO IDENTITY THEFT AND EXPERIAN REFUSES TO INITIATE A NEW DISPUTE OR BLOCK THE ACCOUNT. AT THIS POINT MY NEXT RESOLVE IS FILING A LAWSUIT AGAINST EXPERIAN AND I PLAN TO DO SO IF THEY REFUSE TO HELP WITH THIS MATTER.
Product: Debt collection

A few weeks ago, I started to receive letters from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ut XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a TJXRewardsMasterCard that was applied for and immediately a purchase of {$140.00} was charged on it at TJX on XX/XX/XXXX, on the same day and at the same time. 
The first week of XX/XX/XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit TJX Master card. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted TJ Maxx on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX in XXXX FL to send requests to get my so-called application of XX/XX/XXXX. I also contacted XXXX XXXX today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from XXXX XXXX today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
Product: Credit reporting or other personal consumer reports

Called XXXX XXXX XXXX spoke to agent known as XXXX who provided me with her employee ID # XXXX asked to speak to a supervisor as she could not understand me she passed the call to another employee names XXXX who refused to provide me with his employee Id as well as the Account number that I allegedly opened with XXXX XXXX XXXX recorded the time of the call was 1 hour and 26 min. 
" XXXX '' was very unprofessional and evasive and refused to provide me with any information numerous times including account number, policy information, his last name and employee Id. I suspect this is a fraudulent company and they are refusing to provide any information to be liable. I quoted laws and statute codes and was not provided any information concerning this account or that there even is an account. I told them it is showing up on my credit report and i have a right to know what it is and where it came from and was given absolutely no information except that id receive a call back and an email. I said from who and the employee agent would not tell me any names or information once again.

I have a right to face my accuser of any alleged claims or debts I have a right to know the information financial institutes have about me I have a right to dispute these false claims and be provided proof that they are legit, valid. and verified and I received none of this information .Pursuant 15 USC 1681 i have a right to know and see all supporting documentation that gives rise to and lawfully support the alleged obligations XXXX XXXX XXXX now claims. 
No account or contract was ever provided and that is not lawful or legal evidence to report on a consumer credit report. 
I want this corporation XXXX XXXX XXXX located at " XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Texas XXXX " to be held responsible for their deceptive practices and false reporting and I demand to be compensated for the wrongs taken against me via my consumer report. I have calculated at least 3 FDCPA Violations.
Product: Debt collection

On XXXX/XXXX/2015 Trident Asset Management reported a {$37.00} debt on my credit report without ever making contact with me. I have no knowledge of this debt and it has no be validated as accurate but it was reported to the credit bureaus. This illegal entry has now cause damage to my credit score. Again, I have received no communication from this company. The only information I am able to provide about this alleged debt is listed below : Account Number : XXXXDate Reported : XXXX : $ XXXX have no knowledge of this alleged debt and this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an XXXX XXXX account with a balance of {$14000.00} on my credit report that does not belong to me and is result of a mixed file. I recently received my most up to credit report which shows that the address ID linked to the XXXX XXXX account is one that is not mine. I have one address on my credit report which is accurate and the address ID associated with this account does not match the address ID associated with the XXXX XXXX account. I have disputed this account before with Experian however they continue to respond stating " We have investigated the account and verified that it belongs to you ''.

Furthermore, I am unable to contact Experian by phone to express my concern regarding the address ID discrepancy because they are currently not allowing me through to their call center to speak to a customer service representative. So far I've called Experian 10 times at ( XXXX ) XXXX, each time when asked to put my social security number, zip code and address in I am redirected to another automated system which states " ..we are unable to process your request over the phone, please mail your request ... '' then the phone disconnects. This in and of itself is a violation of my consumer rights, according to the FCRA it states all consumers should have access to speak to a live person at consumer reporting agencies regarding their report.
Product: Credit reporting or other personal consumer reports

Please reinsert my account I did not want to remove the entire account
Product: Credit card

During the last week of XXXX, XXXX, I was contacted by hackers or phishers pretending to be from AmEx and XXXX XXXX, claiming that there had been suspicious activities on those accounts. Then they transferred me supposedly to your agency, and that hacker suggested that I close XXXX  of my credit cards and enter into a repayment plan that would greatly reduce the total I owe and charge AmEx and XXXX XXXX a total of {$14000.00} to pay for the service. I refused, and the hackers became aggressive and said they were going to close my accounts anyway. 

They did close my AmEx and XXXX XXXX accounts. I contacted both companies immediately upon realizing what had happened. XXXX XXXX immediately reinstated my account. 

American Express has not and I have not heard one word from them since reporting what happened. I have sent them voice mail transcript from a message the hacker left on XX/XX/year>. My account was current and in good standing at the time this happened. I have been an AmEx account holder for XXXX  years and am outraged at their treatment of the situation.
Product: Vehicle loan or lease

I have an auto loan through Santander Consumer, a vehicle warranty was added to the loan without my knowledge or approval by the dealership, I asked that it be cancelled. The cancellation was processed and the amounts refunded to my loan. On XX/XX/XXXX there were XXXX payments, {$2300.00} and {$590.00}. On or about XX/XX/XXXX those payments were reversed but on the same day reapplied to my loan all going to principal. Initially one of the payments was applied with {$150.00} going to interest. On XX/XX/XXXX I received a call that my loan was past due. I questioned the almost {$3000.00} they received and they said that did not count because it was all applied to my principal. My account never showed a past due status and statement also shows no past due status. I've never heard of any payment regardless of where it is coming from not being considered a payment.
Product: Checking or savings account

I requested 2 Cashier 's Check orders electronically on XX/XX/XXXX. My account was debited on XX/XX/XXXX, and it was stated that I the checks were sent on XX/XX/XXXX. I got XXXX tracking that same evening. When I went to pick up my package, only XXXX check was inside. I called Wells Fargo customer service, and was sent to a department. They then told me I had to either go to a local branch ( there are no branches in my state ) or wait 10 business days for them to complete the transaction. The transaction isn't urgent, but I am unwilling to wait this amount of time on an issue they caused in which they never sent out the check they debited my account for. The representative then brought their supervisor XXXX on the line, and I described the situation to him. He then said he'd place me on a brief hold to research it. I waited for over 30 minutes, and then the line disconnected or they hung up on me. I was never followed up with. I have been unable to get in contact with that department again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX will not investigate disputes. I sent disputes about credit balance for XXXX  and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. Transunion specifically is allowing anyone to access my credit report without my authorization including XXXX XXXX XXXXXXXX of a car loan I did not initiate.
Product: Debt collection

Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.
Product: Credit card or prepaid card

Bank of America prepaid unemployment debit card withdraw my account to negative al my unemployment funds, no access to my account and they let somebody else change my drese not even able to order a new card because they have wrong address and they can confirm its me the real person not helping at all. XX/XX/20 unemployment card from XXXX  also overdraws after I simmited a claim and was on my favor. Because I never apply for one I dont live in XXXX  and doesnt make sense unemployment card from XXXX  and XXXX  also same person. After I put an alert with fraud department they let another person change my info again.
Product: Debt collection

Ove the years of my life I am good payer on my bills well some I amtrying get bank loan from my bank and it's always be deny refuse to get their customers a change so this the virtual of my complaint the company consumer pull this company sad up it's called Clarity Services Inc '' I never heard of this I put u in charge maybe this the False information theft have my Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a home loan XX/XX/2022. I was told by my mortgage lender that I had a defaulted loan with XXXX XXXX that was having a very big negative impact to my credit score causing me to get denied. 



After months of going back and forth with XXXX XXXX, I was able to get them to send me a copy of the application which clearly shows me that this is not my account as none of the data including my name, phone, email address or physical address is valid for me. I assume the SS and DOB arent either, but I wasnt provided this information. 



I have 2 possible theories.. 



1- I am a victim of fraud. This doesnt seem likely as none of the data matches my true data. See highlighted data below. 

2- XXXX XXXX and Experian are incorrectly matching this charged off account to my credit bureau report, in error. Please note : XXXX is not.
Product: Debt collection

ACCOUNTS WHERE OPENED FRAUDLENTLY IN MY NAME AFTER A DISOCOVERING SUCH ACTION AGAINST MY CONSUMER CREDIT PROFILE EACH COMPANY WAS NOTIFIED OF THE ACTION AND WITH ATTEMPT AND DOCUMENTATION PROVIDED NO ACTION TO REMOVE THE FRAUDULENT DEBT FROM MY CONSUMER PROFILE ONLY SAYING VERIFIED WITH NO PROOF SENT TO CONSUMER
Product: Mortgage

I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate. 
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i. While the CFPB lawsuits primarily addressed XXXX and XXXX, TransUnion engages in similar practices of re-inserting previously deleted negative items without proper notification or verification, causing harm to consumers. 
I had previous disputed XXXX XXXX account in my credit file. According to Transunion they investigated the account and successfully deleted and i deleted a copy of deletion dated XX/XX/year>. on XX/XX/year> i noted the same XXXX  XXXX  account was re-inserted in my credit file. 
Details of the Issue : 1. Re-insertion of Deleted Information : TransUnion reinserted XXXX XXXX  ACCOUNT into my credit report after they were deleted through a dispute process. 
2. Failure to Notify : o I was not notified of the re-insertion within five business days, as required by FCRA 15 USC 1681i ( a ) ( 5 ) ( B ).

3. No Proof of Verification : TransUnion failed to provide documentation verifying the accuracy of the re-inserted items before placing them back on my credit report.

4. Harm Caused : These actions negatively impacted my credit score and caused me to suffer financial losses, including [ higher interest rates, credit denials, or other specific harm ].
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The company DRS has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX   XXXXIt says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6 times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX funds were sent to Karlen {$1000.00} On XX/XX/XXXX it shows Krakenpro received {$1000.00} XXXX XXXX XXXX sent me {$4000.00} XX/XX/XXXX, {$20000.00} received by kraken pro XXXX XXXX {$60000.00} was deposited into my Karken pro account. 
XXXX XXXX {$200000.00} was deposit XXXX XXXX {$120.00} was deposited into my bank. 
These were not trades. 
There is a trade tab within their platform and there are XXXX records of trades. 
Account # XXXX Routing # XXXX Is not connected to Reference XXXX XXXX XXXX Account name Payward Ventures XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX If this was going to MY account I want the balance of that whole entire bank account where my money went. 
Kraken is crediting my account and then saying that my money was traded is incorrect they need to show proof there is no proof of this
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiry and account do not belong to me and were opened fraudulently. Please delete these from my credit file. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XX/XX/2023 Account # XXXX XXXX BANK XXXX XXXX XXXX, 2023