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

I am writing to formally notify you that I have been a victim of identity theft and a data breach. As such, I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 o Balance : {$20000.00} Additionally, I am requesting the deletion of the following fraudulent inquiry : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX I sent disputing letter to Transunion together with Police report regarding XXXX account on my report. 
I have not received proper answer from Transunion, even thou the status of account i'm disputing is positive, thsat account is not mine and should be remove from my report. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX   Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Checking or savings account

On XX/XX/2022 I received several emails from Well Fargo regarding opening a checking account online. The last email I received was confirming I updated my contact info. On XXXX I visited a Wells Fargo branch here in XXXX to inquire if an account was opened in my name and if so how to close it and report it as identity theft. After confirming an account was opened in my name Wells Fargo locked the account and informed me it would be closed by XX/XX/2022.
Product: Bank account or service

I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit inquires have been conducted without my knowledge and consent.
Product: Debt collection

Recently as I viewed my personal file through monitoring system I noticed fruadulant account still reporting a debt of {$370.00} from CREDIT MANAGEMENT LP that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX. I have filed for identity theft and filled out a report of fraud and identity theft.
Product: Debt collection

I am being harrassed by a company named Affirm, who informed me I owe them {$12.00} for a loan I took out with them. I informed them I never took a loan out and I do not owe them any money. Some how the company has all my contact and personal information and sent me an email and text informing that they were going to report me to collection and XXXX. I informed them that I didn't seek a loan from them multiple times and that I wan them to remove my information from their records and to stop contacting me. 

I am not sure if the company is real. I took a look at the affirm site and they have complaints from others noting the same type of incident ; being contacted for loan payments for loans they never applied for or received. I've attached the email I've received but I don't believe I need to deal with these people. I didn't take a loan out and don't believe it's fair for someone to bother me dishonestly to swindle money out of me.
Product: Mortgage

I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

RMC contacted me repeatedly, I informed them this debt was part of a XXXX settlement and they should contact my attorney. I gave them his name and phone number and explained to them I am at work. I told them they needed to put all of this in writing so I could get it to my attorney. They did not call or write to him, they continued to contact me. When the settlement came in the original creditor denied ever contracting or selling my account to RMC. The debt was paid by my lawyer directly to XXXX XXXX XXXX. RMC will not take this off my credit report and has not responded to my letter.
Product: Credit card or prepaid card

On XX/XX/19 requested that an executive member of management ( CEO, COO, CFO, Director, underwriting executive management, etc. ) calls me back directly. The message specifically stated not to have an analyst that handles escalations or a manger of an executive escalations analyst to call me. On XX/XX/19, an escalations analyst called me, in which I refused to continue the conversation. I have attempted numerous times to resolve this issue with an escalations analyst and management of escalations and as of XX/XX/19 still do not have any resolution to the issue. In addition to the horrible customer service experiences with Capital One, there seems to be a major training issue. While asking the same question to different Capital One reps, all have provided a different answer in regards to same question at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Department of treasury placed a public record onto my Equifax credit report due to a collection of {$300.00}. As of 2018, public records are no longer included into your Credit report. Please remove this public record from my Equifax credit report.
Product: Debt collection

Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. CBNA Bank and XXXX are not mine. Please help. I do have a freeze put on my credit reports.
Product: Credit reporting or other personal consumer reports

There have been unauthorized and unverified hard enquires on my EQUIFAX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It looks like someone other than me is using my personal information to apply for credit
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) for review or collection. Pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law. I am also a victim of the Equifax data breach, and I will be attaching proof of that as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. TRANSUNION SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND XXXX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. XXXX  ) RECEIVED A LETTER FROM XXXX STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
Product: Debt collection

This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.
Product: Debt collection

In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. 
On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. 
- XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. 
- I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them.

After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. 
I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. 
I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. 
I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. 

Thank you. 
XXXX XXXX
Product: Credit reporting

I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.
Product: Debt collection

I settled this account ( XXXX ) account number XXXX ; with XXXX XXXX XXXX  in full for {$960.00} on XX/XX/year>. This has not been updated to the credit reporting agencies correctly and stating I owe a balance of {$590.00}. This account was settled and full in 2 payments of {$320.00} and {$640.00} totaling {$960.00}. Please see attached documentation showing bank statements with payment to XXXX and settlement pay off letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my Fraud Alert information they have not put my contact information on my report so in result I would like for it to be removed
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice that there are multiple fraudulent items on my credit report that I did not authorize. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto Loan opened at XXXX XXXX XXXX on XX/XX/year>. This account have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquires as reported. The aforementioned account, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Debt collection

I was a victim of identity theft these have been rough times for me and my family. We have just been able to move in our new home, they did a soft pull on my credit and revealed that I have unauthorized items that I shouldnt be responsible for
Product: Credit card or prepaid card

XX/XX/2020 three transactions were made on my card which I did not make. 
1. XXXX - {$19.00} 2. XXXX - {$1.00} 3. XXXX - {$970.00} When I saw these transactions, I immediately called the bank and reported the problem. The operator told me that the money was most likely stolen and blocked my card and reissued a new one.

Since the money was stolen from my card, the operator redirected me to another department working with this problem. After about three hours of waiting, the operator reported that there were no free people and asked me to call back next time.

I went to the bank office, but I was told there that they did not understand this problem and told me to call the support service.

More than three weeks have passed and I still can't reach the bank, I am constantly switched to another department, I wait 2-3 hours for an answer and the call is reset.

It is no longer possible to do this every day.

This money comes from unemployment, I have XXXX  children and this money is very important for us. I still can not understand why the bank treats its clients like this.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX  XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX : {$250.00} XXXX  Inquiry : XXXX XXXX, 2023
Product: Debt collection

The XXXX XXXX XXXX XXXX in Texas sent {$920.00} to collections with my name and ss #. I spoke with them today XXXX, they confirmed that the account sent to collections is fraudulent. Although they have MY ss # they have the name and address incorrect and stated to me it was fraud. According to the XXXX XXXX XXXX XXXX that acct was opened in XX/XX/year>. On my credit report it states that it was reported on XXXX.