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

I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
Fraudulent Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REINSERTED a previously DELETED item on my credit report WITHOUT sending me a notice within 5 Days. The account reinserted was Dpt of Treasury. Under the FCRA, Equifax is required to send me a notice within 5 days if it is going to REINSERT an item. Equifax has VIOLATED the FCRA by NOT sending me a notice within the 5 Days. This is my SECOND complaint about this as Equifax IGNORED my first complaint. I AM NOT NOT SUBMITTING A DISPUTE. I AM POINTING OUT YOUR OBVIOUS VIOLATION OF REINSERTING THIS ACCOUNT IN MY CREDIT FILE WITHOUT SENDING ME A NOTICE WITHIN 5 days. You have engaged in the enabling of Identity Fraud by placing this account back on my credit report AFTER YOU ALREADY DELETED THIS ITEM BEFORE. I DEMAND you to delete this erroneous information from my credit report AND that you provide monetary relief in the amount of {$1000.00} for this violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit reporting or other personal consumer reports

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over two years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have illegal reported my transaction history with XXXX XXXX, Web bank/Avant, indigo master card, self lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are illegally adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in violation reporting transactions history. 

PLEASE UPDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported by XXXX XXXX is involved in litigation I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

On XX/XX/XXXX Real Time Resolutions contacted my spouse on her Cell phone trying to reach me regarding a foreclosed mortgage that was sold to them by XXXX  XXXX XXXX. This property was owned by me in XXXX prior to being married to my current spouse. I have never given them my spouses cell phone number, and I have never given them permission to contact me on her phone. Im unaware of how they got her number and feel it is predatory that they obtained it likely through credit bureaus or online tactics. Lastly, this account was foreclosed on in XXXX and sold at auction in spring of XXXX. As I understand the statute of limititations is exceeded in the state of Utah ( 6 years ). XXXX  XXXX XXXX reported the foreclosure to my credit report and it has since been removed from my credit. My understanding is that the 80 % portion of my mortgage was resolved at auction and the the 20 % was written off as a tax loss. So I believe this debt to be acquired by Real Time resolutions as a bundle from XXXX XXXX XXXX as closed/default accounts despite it being written off by XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that are the result of identity theft. Under 15 U.S.C. 1681c ( f ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent information from appearing on my credit report. I have sent copies of these documents to validate my fraudulent claim I have made multiple attempted to contact XXXX XXXX XXXX  XXXX XXXX XXXX contact was ever made. All Attempts made were a fail. I've been in compliance and complete cooperation through this whole situation NO RESOLUTION. 
I've completely don't know wat to do any more I have taken all precautions to fix this situation, but no one is helping at all. I've contacted Equifax about them removing account that without my permission I never gave them permission to delete my XXXX  XXXX off of my credit report without my consent I never sent documentation for that specific account. I called Equifax several time for them to correct this and report the new tradeline. Please help
Product: Mortgage

In XXXX of XXXX my husband applied for a Covid relief forbearance and I was not informed of his decision. XXXXNationstar did not explain that they entire amount would come due when his year long forbearance was up. 

Fast forward to XXXX of XXXX. They were calling me demanding payment. Of course I had no idea on what was going on. I have been trying to get this FIXED since XXXX. There is always something going on. They need to see paystubs, they don't understand the paystubs, they need a letter from my employer trying to determine what type of employee I am when it clearly shows I am a 12 month employee. Having to submit paperwork again and AGAIN with things circled showing they already received it. My husband 's allotments ( things paid out of his military retirement pay ) went down but all they are worried about is what does that amount belong to. NOT that it's just putting more money back the household. I have submitted THREE applications for this and everytime they expire because of lack of work on THEIR end!!!! I just hung up with the company yet again and she said she would send over yet another new application and couldn't even send the right thing. IN ADDITION, they would not accept a letter from my husband explaining his LES because it wasn't signed. When did that become a thing?! We have wanted to make payments on our account, while trying to get the back due paid ... and they will not accept ANY payments so now instead of wanting money for 12 months, they want money for 19 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Product: Mortgage

XX/XX/2018 Wells Fargo Mortgage XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Originator of 1st lien amount of lien {$84000.00} # RE : XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Texas XXXX lien amount {$20000.00} RE : # XXXX   XXXX The following active complaint includes both parties above mentioned and describes current violations of consistent inaccuracy and fabricated inflated amounts as to recent and previous liens attached againts my property are disputed and my documented complaint is found herein : A ) Both liens contain, include inaccurate overcharged amounts in comparison and against the validity or as to the true amounts causing the lien documents to be falsified and deemed invalid because it directly violates The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required Section 477A Penal Code underlines the ingredients and contents of falsification of documents. The scope of this section develop two offences i.e. [ 1 ] falsifying of accounts and [ 2 ] making or abetting the making of false entry, or omitting, or altering, or abetting the omission or alteration of any entry. 

B ) The lien claims filed by Wells Fargo and XXXX are PROBLEMATIC, DEFECTIVE, EXAGGERATED with inflated charged amounts and unverifed fraudulent and hidden cost added with inadequate calculations which directly affects, hinders the validity and soundness of the lien causing a direct violation in reliance and compliance to 8 U.S. Code 1324c - Penalties for document fraud US Code Notes Authorities ( CFR ) ( a ) Activities prohibited It is unlawful for any person or entity knowingly ( 1 ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, Please consider that your liens clearly are without merrit and also violate Federal and legal legislative rules and regulations and are not limited to prevent other Government agencys who can penalize, nullify and disrupt your delegated unacceptable, inappropriate actions. It is a known fact of evidence that all unfair, unjust, unreasonable dealings can be used against you. I would strongly recommend and advise that you release both liens without further prejudice. 

Sincerely : XXXX XXXX XXXX C/O Request for the CFPB to share my documented concerns with The Attorney General the FDIC and all parties who may have direct interest of jurisdiction to invite Justice.
Product: Student loan

I received a credit alert indicating a unknown status for XXXX and XXXX on my 2 students loan accounts which hit my credit file with a hard hit and decreased my credit score by 60 points because of incorrect information sent to my credit file.. XXXX sent incorrect information for late unknown payments 1 for {$18.00} and the other for {$22.00} with a balance increased for the month of XXXX when my accounts are in a postponement status and pending with the Borrower 's Defense. I'm confused because the late payments hit my credit file back in XXXX and was a significant hit.. They have now done another hit indicating unknown and Transunion is reporting the incorrect information.
Product: Credit card

I tried to return a defective product ( XXXX ) to Best Buy, but was told I was a few days past the very short return period ( 1 month ). I elected to pay only the minimum payment on my card until the issue was resolved. In spite of my XXXX notices to the credit card co., I was charged late fees which they 've refused to remove.
Product: Debt collection

My XXXX check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. XXXX XXXX XXXX bank replaced my card and resolved many of the charges. However, XXXX did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, CAVALRY PORTFOLIO SERVICES and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case CAVALRY PORTFOLIO SERVICE failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note.

Attempted Collection Without Legal Standing CALVARY PORTFOLIO SERVICE actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that CALVARY PORTFOLIO SERVICE ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Debt collection

I believe that I as victim of a scam regarding this payday loan. Multiple threatening calls were made to myself and multiple members of my family including my ex husband from 20 years ago. Arrest was threatened along with a law suit. The name of the personsI spoke with are XXXX XXXX and XXXX XXXX ( not sure of the spelling ) and the comany name supposedly XXXX XXXX ( XXXX? ) XXXX XXXX. at phone no XXXX. I was asked to provide bank account or credit card information but purchased a pre paid credit card only. The money has been debited to the card as soon as the information was provided.
Product: Credit card or prepaid card

When Comenity took over the XXXX XXXX card from XXXX XXXX  XXXX I never received an alert or a new card. When I went to log into my new account I didn't have all the information I needed, I didn't know my new account number so I just closed the account and I was able to get a final balance. I eventually received a statement from Comenity with my final balance and I paid it off. I mailed a check on XX/XX/XXXX. I didn't set up the online bill pay because I couldn't find the whole account number on my statement and I couldn't get through the phone line. This month I received a statement that said I have a {$25.00} late fee because my check wasn't received until XX/XX/XXXX and it was due XX/XX/XXXX. There is no way it was received that late and if it was, it is the fault of the post office and my fee should be waived since I never am late and since it was postmarked way before the XXXX. And the only reason I didn't do online payment is because of the lack of information from them. I called them and was able to get through but customer service sounded like it was XXXX  to XXXX  and they have very little ability to do anything other than read through their script. She told me because I closed the account she could not waiver my fee. I closed the account because of the lack of information on my new account and the lack of availability of customer service. I am going to pay the fee right now because I don't want to risk them giving me more fake fees. But I would like the late refunded and I do not want a late payment on my credit score.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. XXXX XXXX XXXX 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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer ( to XXXX ) through the XXXX branch of PNC bank on XXXX XX/XX/2019 at XXXX. The branch manager went through the details and said that since it was going to be in the destination currency ( INR ), it would be sent directly to the bank ( XXXX ) and that there was no need for an intermediary bank. The money was then debited from my account. 
I kept following up with the beneficiary to confirm if he received the funds and even after 2 weeks the funds were not received. I then called PNC 's customer support and they told me that the beneficiary bank was asking for additional information. Since it was already delayed by 2 weeks I requested PNC to recall the transfer. 

I have since followed up with PNC several times and as of today ( XX/XX/XXXX ) over 2 months from the date of the wire transfer I have not received the funds back into my account. 
It appears that there may have been an error from PNC bank because they keep saying that the funds are with XXXX bank XXXX they are unable to provide me details of this, I told them that if they could that I would follow up directly with the bank ) however the funds were to be sent to XXXX bank and not XXXX bank. 

The details of the wire transfer are as below Date XX/XX/2019 Time XXXX EST Confirmation code : XXXX Amount : {$29000.00} According to the receipt the funds should have been available to the beneficiary by XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my original investigation request sent XX/XX/2021 I asked for Equifax to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. After that, I sent a letter on XX/XX/XXXX asking for them to please remove the accounts below from my credit report because I found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated my file. Which is against the FCRA law.
Product: Checking or savings account

Bank of america has my account frozen and has been this way for a week. No one had reached out to me and when I call they provide me with no information. This has caused ne to be late on several payments where late fees have incurred.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER REPORT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts reporting WRONGFULLY only on XXXX. I sent since XX/XX/XXXX letter every 35 day asking them to VERIFY and VALIDATE the information and ask for ORIGINAL agreement or informaiton about the ORIGINAL account but I'm ignored since XX/XX/2021.
Product: Credit card

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 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. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.