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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

I was charged twice at a hotel. I only booked XXXX room. The hotel has no record of a second transaction and can not issue me any receipt. I submitted a dispute with citibank and they would not issue me a credit. I filed an initial complaint with the CFPB and after a while citi said they sent a response to me, but after calling them on the phone they confirmed that they did not send a response and the issue is still in review. There is no option to re-open a CFPB complaint, so this new one is filed.
Product: Debt collection

XXXX originally reported to the credit bureaus. I sent them proof of my payment and said that the debt was cleared. I got a phone call from Transworld Systems , Inc. saying that I still owed the debt on XX/XX/2017. I have an FTC reference number and faxed them the information. My number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following telephone numbers reported on my Trans Union credit report arent not my telephone numbers and dont belong to me : ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX. The following employment data reported arent mine and dont belong to me : XXXX, XX/XX/XXXX  XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi, I have received a credit card from Netspend opened in the name of XXXX XXXX and connected to my home address. 

I also received an application for XXXXXXXX XXXX XXXXin the name of XXXX XXXX, also at my home address. 

I am aware that my address, SSN, and telephone number are on sale on the dark net, following a massive data breach. 
Evidently someone is using my address and a series of fake names to open accounts and so on.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Consumer Financial Protection Bureau Re : Midland Funding LLC DBA In New York As Midland Funding of Delaware LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Complaint Division ] : On about XX/XX/XXXX, I noticed a significant pay decrease in my wages from my current employment at XXXX XXXX XXXX XXXX XXXX. 
I quickly went to the management office and requested answers from XXXX XXXX XXXX she proceeded to tell me that she had received a pay garnishment. I explained I had never been served with a judgment a summons or a complaint were not served at all, and I had not been given a fair chance to respond and asked her how this was possible and why wasnt I notified by anyone at my employment prior to beginning this garnishment. She responded she didnt know. I desperately asked her for a copy of the notice, and she rudely refused to give me a copy and just gave me the phone number to the Sherriff dept., who has ordered them to proceed with the judgment. I quickly contacted this phone number and complained about not even being notified in any way and asked to please send this notice to my address, I then received it by regular mail dated XXXX XXXX XXXX 
This company I do not know anything about has stated that I owe them a debt from XX/XX/XXXX, claiming the amount of {$3000.00}, and they have proceeded in garnishing 10 % of my gross bi-weekly wages. About {$230.00}. If correct. 
I believe this is an identity theft the name in this judgment that shows my name as XXXX XXXX XXXX XXXX XXXX which was my marriage last name, and I was divorced this same year, it also shows XXXX XXXX XXXX whom I have no relation with at all. 
I am a single parent struggling to make ends meet and my checking account has been charging me overdraft fees continuously. I am using other credit cards in trying to keep up. I am in desperate need of help and would like this identity theft stopped and my garnishments returned. 

I would appreciate any help in this desperate situation. 

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

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my XXXX, XXXX, and Transunion Report. This account is paid and closed. Please update status on my credit report. Thanks
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to a guy on XXXX on accident I was trying to send him XXXX but Zelle was not working & it sent XXXX dollars to the guy & never saw that money again that happens last year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continuously violated my rights as a consumer by reporting information that I never gave my permission to report ( violation of 15 usc 1681b Permissible Purposes ), they have also denied my right to privacy ( violation of 15 usc 1681a Accuracy and fairness of credit reporting ) by reporting items that should not be included in my consumer report in the 1st place. This is also a violation of of the exclusions section of the Fair Credit Reporting Act ) This is the 2nd time I've had to bring this to their attention. The 1st time they did nothing but I will continue to report these violations and pursue the damages owed to me until they've remedied the situation by deleting the requested information off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$5300.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit card or prepaid card

I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.
Product: Credit card or prepaid card

Citibank agreed that two charges to my credit card were fraudulent. One they credited to my account and the other one they have failed to credit to my account and despite agreeing that the charge is fraudulent they will not remove it and I am still liable for it. They replaced the initial card to avoid further fraudulent charges. I complained today and the initial complaint was made on XX/XX/19. The amount is {$88.00}.
Product: Credit reporting or other personal consumer reports

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 XXXX  XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> 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 XXXX 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 XXXX  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: Mortgage

Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). 

Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XXXX/XXXX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XXXX XXXX, XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust XXXX YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XXXX/XXXX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XXXX XXXX through XXXX XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XXXX XXXX through XXXX XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX XXXX XXXX. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX Mortgage Pass-Through Trust XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XXXX XXXX, XXXX, received in this Commission on XXXX XXXX, XXXX, under the name of XXXX Mortgage Pass Through XXXX XXXX XXXX XXXX XXXX. XXXX 
Exhibit E Pooling Servicing Agreement stating that trust closed on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

review the letter it has all the information your needed and the FTC report you requested has been place too
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And Account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was sent a letter by a collection company on XX/XX/year>. 

I responded on XX/XX/year> requesting full validation of debt and proof that this company has the right to collect on this alleged debt ( see attached letter that was sent to debt collection company ) The company responded by sending a credit card statement.

Nothing of which was I requested or proof that i am the owner of this debt.

I have never done business with this company so it is impossible and illegal for them to have any personal information.

I would also like to point out this negative remark was on my credit report before i received the letter on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was sentenced to XXXX  years in XXXX I was released this year XXXX. My social security card, ID, and birth certificate were left in my home at that time of my arrest and someone stole it. Someone has been using my information to open bank accounts, credit cards, get car loans etc... None of this has been with my permission. There were a few accounts that I gave power of attorney for but none of the ones listed in this complaint. All of the items should be removed. I was incarcerated and therefore none of these accounts belong to me.
Product: Checking or savings account

In XXXX i used my debit card to make several hundred thousand dollars in purchases from a business in the XXXX XXXX. The purchases were made while I physically located was in the USA and the transactions were all denominated in USD. 

I was charged foreign transactions fees that amounted to thousands of dollars. 

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card. 

BOA charges a foreign transaction fee on transactions consummated in US dollars. BOA alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. 

The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but its not applicable when charging these fees on US dollar transactions when the cardholder is physically located in the USA. 

My account was closed by BOA but those fees have never been refunded. Recently the Biden administration has taken numerous measures to combat junk fees which include the application of foreign transaction fees just like those that I was charged!
Product: Credit reporting or other personal consumer reports

Dear Experian Disputes Department, I am writing to formally demand that you immediately correct and cease altering the spelling of my legal name in your records. My legal name is XXXX XXXX XXXX, and it has been consistently misrepresented as XXXX in your system. This is both incorrect and unacceptable, as it is causing unnecessary issues and jeopardizing my ability to manage my credit effectively. 

I have attached copies of the following documents to verify the correct spelling of my legal name : 1. Government-Issued Photo ID ( e.g., Drivers License/Passport ) 2. Social Security Card There is absolutely no justification for your failure to reflect my accurate legal name as it appears on all of my documentation. By continually altering my name to an incorrect spelling, Experian is not only failing to uphold its legal responsibility under the Fair Credit Reporting Act ( FCRA ) but is also directly impacting my ability to conduct financial transactions accurately and efficiently.

I demand the following actions be taken immediately : 1. Remove any and all incorrect variations of my name, including XXXX. 
XXXX. Update and maintain my file with the correct spelling of my name : XXXX XXXX XXXX. 
XXXX. Confirm in writing that this correction has been made and that the error will not reoccur. 

Failure to comply with this request will result in my pursuit of all available remedies under the FCRA, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal action. 

I expect a written response confirming resolution of this matter within 30 days from the date of this letter, as required by law. I trust that you will take this matter seriously and rectify this issue immediately. 

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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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 or other personal consumer reports

I've noticed on my credit report there are numerous unauthorized accounts open that do not belong to me and I am asking that these accounts be removed as soon as possible from my credit report as it has now affected my score and these accounts are not mine thank you.
Product: Credit reporting or other personal consumer reports

This is my 15th 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, block 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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Debt collection

I do not owe lvnv funding any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The items I dispute are listed below. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXXXXXX XXXXI I mailed dispute letters to Equifax, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are received per my credit report stating, " account disputed by consumer ''. They never sent documentation of their investigation proving how they determined the accounts to be accurate.

PER the FCRA section 623 & Regulations V a furnisher must not furnish inaccurate information to CRA, and that the furnisher ( credit bureaus ) must investigate a consumer 's dispute that the information is inaccurate or incomplete.

How is this being accomplished if documentation required by law is being honored. I requested.

1. An agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature, demonstrating my agreement to assume debt.

3. Valid copies of the debt agreement, clearly stating the exact amount of the alleged debt and any interest.

4. A complete and detailed payment history for this account, along with a comprehensive itemization of all additional charges being assessed. 

PLEASE DELETE THESE UNVERIFIED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX XXXX but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.