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

As a victim of identity theft. 

On XX/XX/20 I sent a letter to Equifax stating that I was a victim of identity theft ( XXXXsigned copy _Identity Theft Letter to Credit Bureau_ Equifax_Fraud Victim Assistance ) The letter was sent Priority Mail Express 1 day, with a tracking # XXXX, and was in Equifax possession as of XX/XX/20. 

The letter explained to Equifax that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 

This letter also contained the following enclosures : Identity theft report, Police reports, Identity Theft affidavit, Victim Authorization to Law Enforcement, Proof of Identity, Copy of Credit Report, Fair Credit Report Act Section 605B, and lastly a copy of a certified Letter Sent to Equifax on XX/XX/20, as of XX/XX/20, Postal Tracking indicated it was not delivered. 

On XX/XX/20, I received a letter from, Equifax dated XX/XX/20 stating that they received my request concerning blocking of certain information on my Equifax credit file. 

Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of FCRA, is not blocking the information subject to the submitted Identity Theft Report and/or Police report you provided as part of my dispute.

The letter goes on to state they are contacting the source directly and performing an investigation within 30 days.

Equifax is depriving my consumer rights by willfully failing to comply with the FCRA requirements to block the reporting of fraudulent information in my credit report, after they were presented with an identity theft report, in violation of 15 U.S.C 1681c-2.

As required by 15 U.S.C 1681c-2 ( a ) Equifax is required to block the reporting of any information in my my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 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 information relating to any transaction by the consumer. 

Despite the FCRA 's requirement, Equifax has declined to block the reporting of fraudulent information by wrongfully rejecting my valid identity theft report and relying instead on the same verification procedures it uses for common disputes.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was asked to send money back to someone after they issued me a bad check. The check had already cleared my savings account, and I had no way of knowing that the check was going to be dishonored by the bank, it was a cashier 's check and I have a copy of it. Not only was it a bad check, it was counterfeit and the person who sent it was not the same person demanding it back and making death threats to me and my family. I was pressured into forcing money out of my bank account with the belief that if I didn't do something fast they might hurt me or my children. Then, when I tried to cancel the transaction I couldn't cancel it, and the bank manager couldn't reverse the transaction either. I lost {$1200.00} because of the abuse. Before the transaction took place, there was also a home break in where things were taken from the home, and my email was compromised, so was my home computer. I was told that the bank actually does have the ability to reverse the transaction, however they did not act. The online transfer was done using XXXX, and they were in the amounts of {$500.00} and {$700.00} on XX/XX/2021.
Product: Debt collection

I noticed a collection on my credit report and asked for debt validation as I have entered no contract and have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix 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
Product: Bank account or service

ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?
Product: Debt collection

Received a call from XXXX XXXX this morning at XXXXXXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : Federal Saving XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Checking or savings account

Charged my debit card while I was traveling over XXXX miles away. 
My Bank ( Wells Fargo ) investigated and informed me it was a valid charge processed by XXXX under name " XXXX XXXX '' on XX/XX/XXXX I spoke with XXXX at XXXX ( registered agent for Co. ) who told me XXXX XXXX " doesn't exist '' before hanging up quickly. 
Seems I am out {$1700.00} for an unknown product. 
XXXX XXXX is listed as principle of several business ' at XXXX XXXX 's address. XXXX XXXX XXXX XXXX XXXX, Fl.
Product: Money transfer, virtual currency, or money service

XXXX {$860.00} XXXX {$49.00} XXXX {$55000.00} XXXX {$36.00} Wrong amounts were taking out and I couldnt reach anyone from customer service Cash app $ XXXX XXXX
Product: Checking or savings account

My Capital One checking account number XXXX has been frozen since the end of XX/XX/2023. When I call the number as instructed all I get is a recording and no one returns my calls. When I do talk to a representative they transfer me again to the recording I can not speak to a live representative as to the status of my account and why it is froze and I do not have access to my funds. This has been going on in Access of 3 months without a word from Capital One.
Product: Bank account or service

My father died XXXX XXXX before the will was found and estate placed into probate my brother walked into Chase Bank on XXXX XXXX XXXX Il and removed close to XXXX dollars from a checking and savings account. These accounts were only in my father 's name. My brother was not listed on them. Chase fired the teller and has not replaced the monies as of yet. It is my understanding that they are required to replace monies stolen from any account. Why would the bank not pay these funds back into these accounts? They permitted a theft of the funds - they should pay them back into the estate. If the Bureau needs further information I would be happy to provide it. My desired resolution is for Chase to replace the funds
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 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

Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit card XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit card XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my report XXXX. Under 15 U.S.C. XXXXi ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today 's date is XX/XX/XXXX. For the last two years I have received a phone call from Portfolio Recovery. It is different phone number each time and they never leave a message. I have written to the company but have had no reply. My credit rating is 825+ and I have no debt.
Product: Debt collection

Had XXXX XXXXXXXX on XX/XX/XXXX. Received equipment from " XXXX XXXX XXXX ''. This company then invoiced XXXX XXXX for payment. XXXX processed and asked for more information. XXXX did not receive information. No invoice was ever sent to me ( XXXX XXXX told me the vendor is not allowed to invoice me until XXXX tells them they can ) The invoice was apparently issued 30 days after XXXX requested the additional information. XXXX XXXX confirmed no further communication from vendor. 
On XX/XX/XXXX I received collections notice in mail asking for payment on this invoice. - XXXX separate claims, XXXX for each piece of equipment. I contacted the collector ( Assured Collections, LLC ) and requested the invoice in question, which was sent. The one claim is incorrect amount, according to their invoice. I attempted to call the vendor, the listed phone number is no longer active. An online search for a new phone number indicated an address for XXXX XXXX that is the exact same address as the collection agency. The collection agency provided a new phone number, which goes unanswered. I passed this and several other phone numbers I found online for XXXX ( XXXX total ) to XXXX XXXX and they were unable to contact the vendor. During my search for contact information, I located over 50 XXXX claims against this company for the same issue : collection notice years after a medical procedure for supplies or services that were never billed, and no one could reach the vendor to discuss. I currently have an open fraud claim in with XXXX XXXX and they are trying to figure this out. The invoice stated that my equipment was deemed " not medically necessary '' by XXXX, but XXXX never processed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela XXXX company. 
16 CFR 433.1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR XXXX XXXX  with respect to such contract provided the contract does not cut off consumers ' claims and defenses. 

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. 

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. 

( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. 

( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. 
Mohela / XXXX fraudulant companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Debt collection

On XX/XX/19 I gave notice to XXXX XXXX XXXX of 60 day notice of move out.in which I pride the last 2 months of rent I moved out of apartment on XX/XX/19. But they have continously without merit have tried to collect a balance of {$1000.00} which was then given to XXXX XXXX XXXX which is illegal practices as stated the account was satisfied with original creditor this account in past was removed from my XXXX crefit profile but Eqifax has failed to remove this fraudluent collection account..This collection on my crefit report has caused mental stress and disadvantaged me in any and all credit decisions by reporting a fraud I lent account. This fraudulent account needs XXXX removed it has caused lack of financing with other companies and growth with my business if this FRAUD doesn't stop and removed from my credit profile I will left with seeking legal action by all parties.
Product: Checking or savings account

XX/XX/XXXX I was able to get in my account earlier today. Around XXXX PM. I made an attempt to get in my account and was not able to. When I made it home I attempted to look at my online banking and could not access it. I contacted the XXXX number and was told my account was closed. When I asked why the guy said he did not have a reason as to why. I explained to him that my direct deposit is scheduled to go into this account on Friday and I needed to have access to my money. I have another account that is overdrawn and planned to fix this account with my bonus check on next week. I explained to him that the other account was overdrawn due to them making payments when funds are not available and I turned off my overdraft on that account to keep it from going into overdraft. The guy explained that if my direct deposit comes to the account that a check would be mailed out to me. And if it is already closed it will return to the company. I am not understanding why my account was closed. I just received a letter saying that if i don't bring the other account current by my next statement that my account would be closed by next statement cycle. I just received that letter on yesterday and it is dated for XX/XX/XXXX but I had plans to fix the account this pay period and next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1900.00}
Product: Checking or savings account

To Whom This May Concern : I am filing with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer along with any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds 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 to ensure my rights are upheld. 

Thank you XXXX XXXX