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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It XXXXay Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), XXXX U.S.C XXXX ( b ) XXXX U.S.C. XXXX ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Mortgage

I expressed to my mortgage company that I had XXXX and was out of work about 5-6 months ago. I was not given any of to forbearance options under the CARES act. Instead I was asked when will I be back at work and and the best they could do is defer 2 months but I would have to make my escrow payments all at once before they would agree to defer the P & I portion. That escrow payment was over {$1000.00} and my mortgage payments are about {$300.00} more. So honestly that was no relief for me. I was told because I got a modification back in XXXX that I was not eligible for another because I can only get one per life of the loan. Because I was sick for about 3 weeks and out of work, it's been taking me some time to catch up on all my bill and now I am behind on my mortgage. I am now due for XXXX with over {$1000.00} in suspense, I tried to call to make a {$1900.00} payment was was told my loan is in a legal status and I can not make a payment with them over the phone, so now I am about to be charged legal fees on top of being sick with Covid. I also explained that I could make another {$1900.00} payment on XXXX XXXX. With 2 {$1900.00} payments and the {$1000.00} I have in suspense, that would bring my loan current but now that it's in a legal status, I'm pretty sure more fees will be added making it harder for me to become current. On to of all of this, I had to take out a hardship on my XXXX to bury my father last month sure to a car accident. I have proof of this as well. I can provide my father 's death certificate and proof of my XXXX hardship withdrawal. I've been with Vanderbilt Mortgage since XXXX and this is the first time I've ever been late on my mortgage payments in 14 years. This is not the first time during the pandemic I was denied help but. I didn't complain the first time because I made a way to keep my payments current but this time had really taken a toll on my and to immediately go into a legal status when I communicated I had Covid is just inconsiderate.
Product: Credit reporting or other personal consumer reports

I received a credit card statement from Truist Bank for an account I had NOT opened and was NOT mine. This was FRAUD and IDENTITY THEFT. I called the bank and they refused to send me a letter confirming that the account was closed and was not mine. 

The bank is TRUIST BANK based in either Florida, Maryland or North Carolina ( all are addresses on the statement. ). I asked for confirmation that I will not be liable and was refused. 

The account number ends in XXXX and the amount of the charges is {$17000.00} I have put a credit lock on my accounts with XXXX and have filed complaints with them and with IdentityTheft.gov
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX from American Express on XXXX XXXX. 2017, and instantly approved. The promotion was to earn XXXX XXXX Honors Bonus Points after spending {$3000.00} in purchases on the Card within the first 3 months of Card Membership. Plus, earn a free weekend night award after the first anniversary of Card Membership. 

I met {$3000.00} spending requirement on XXXX XXXX. 2017. After the first statement was closed, I did not see the XXXX HH points in my account, so I contacted American Express customer service. They said it would take up to 4-6 weeks to get the points. So I waited 8 weeks, but still did not get the points. So I contacted them again twice in XXXX, and they told me they would expedite point deposit, and told me to wait until next statement closing which was XXXX XXXX. I still did not get XXXX HH points as of XXXX XXXX. XXXX. 

As a long time loyal American Express customer since XXXX, this is a disappointing and frustrating experience. Please review this case and deposit XXXX HH points in my account as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email from Experian Identity Works requesting that I " Review an Identity Notification ''. I do not click on any unsolicited emails. I went to experian.com and attempted to log in to my account. There system did not recognize my input data and there was no mechanism for a password reset. I tried the following telephone numbers in order to resolve the login issue : XXXX, XXXX, XXXX and XXXX. All XXXX telephone numbers appear to go to the same recording system. None of the prompts on any of the numbers allows you to get assistance in connecting to your account, requesting a new password or speaking to a human being. A XXXX search shows that many other people have encountered this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

Hello. I am filing this complaint because of the following : Last XX/XX/2024, I was visiting my daughter in NJ where I had a horrible accident and was hospitalized for XXXX days and had moderate XXXX XXXX. After my brief stay in the hospital I went to rehab and then to a few sub-acute assisted living places, before finally settling down at my permanent assisted living close to my daughter. 

My daughter and I called chase bank last week to inquire about my chase ultimate rewards balance. I was given no information as the representative told me my credit account was closed and my points were forfeited. They were also unable to give me the balance of points I have. 

I am now aware that my account has to be in good standing in order for the points to remain active, as they told me on the phone, but nobody mailed, called, emailed me any notice saying my account was closed and my points were forfeited. I have not had a stable address since XX/XX/2024 so it was impossible to inform me like chase said they did. 

What I don't understand is how I can be a chase customer for years and accumulate all of these points and then because of a medical accident and delay of payment, boom, the points are gone. Don't you think my daughter had more important issues, like my health, to figure out, with my credit card not the XXXX concern on her mind. 

I am now XXXX XXXX XXXX. I know I have an outstanding balance on my closed account, but I am still entitled to my points that have grown over many years. I am prepared to settle my balance owed, but I am entitled and want my points. You can not tell me my points are gone without informing me. 

If you need hospital, rehab, etc, documentation please let me know.
Product: Credit reporting or other personal consumer reports

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and XXXX about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud andor identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXXXXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXXXXXX XXXX
Product: Credit card

On XX/XX/2024, I made a {$1.00} purchase on my Santander Bank XXXX credit card, bringing the balance on the card from {$0.00} to {$1.00}. On XX/XX/2024, I received a statement saying that the account was Charged Off for the {$1.00}. This is despite having never been late on the card. 

On XX/XX/2024, I paid the {$1.00} balance from my Santander Checking account, in order to pay the balance in full. The balance should have been reduced to {$0.00}. 

On XX/XX/2024, XXXX am, I made an appointment with Santander in person to resolve the charge off. The representative could not find me in their system at all. That same day, at XXXX pm, I called the Credit number for Santander, XXXX, to try to resolve the chargeoff. The representative on the phone stated that I was marked as deceased. 

I believe that I was marked as deceased because my mother, who was an authorized user on my XXXX credit card, passed away on XX/XX/2024. XXXX received paperwork at the end of XX/XX/2024 that she passed away, and erroneously marked my account, of which I was the owner, as deceased, and then charged off my account. 

I received a case number on XX/XX/2024, XXXX, to resolve this error, and I received confirmation that I would have this resolved in XXXX business days. 

On XX/XX/2024, at XXXX pm, I called XXXX again to get an update. They had no update at that time. I asked them to continue to try to resolve the charge off. The representative stated that they submitted a customer nonsatisfaction report on my behalf, with number XXXX. 

On XX/XX/2024, I called XXXX back to state that I no longer wanted to attempt to reopen the account, but simply mark it as Closed, and Paid as Agreed. 

On XX/XX/2024, I received an updated XXXX credit report that now indicates that the XXXX credit card has been charged off for {$1.00}. The status says " Account charged XXXX late. {$1.00} written off. {$1.00} past due as of XX/XX/2024. '' This is despite that I am not deceased, nor have I ever had a late payment on this account. This error on Santander 's part has decreased my FICO XXXX score from XXXX to XXXX, and has severely damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic transfer act EFTA As it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter ensure my rights are up held. Thanks!!!
Product: Debt collection

Attention dispute department AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX