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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

In XXXX of XXXX a judgement was file against me by XXXX XXXX XXXX XXXX XXXX even though I was making month payments as agreed. I was told it was taken over by another company. They garnished my wages in XXXX and in XXXX I was told that I still owe them and the debt was transferred to Cooling and Winter. I have payed these people and they are still trying to collect an additional XXXX plus dollars. The order they initially filed I never received. I need papers showing this has been satisfied and they still saying I owe them for court cost and fees which keeps this acct opens.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that I have the right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In XXXX oXXXX XXXX  a charge for a magazine subscription found its way onto my XXXX account. Believing that the account had a XXXX balance I was not aware until the bill was 60 days past due. Since that happened my credit report contains the words " serious delinquency ''. As the amount was something less than {$18.00} and there is otherwise no blemishes on any of my other credit cards. I don't believe it is fair to me to have to carry this derogatory on my credit report. Try as I might, I have been unable to convince Equifax to remove this from my report. Is there something you can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry on my transunion credit report from XXXX. I have call transunion and XXXX and no help getting this inquiry off my credit report. I use XXXX XXXX for credit info. The inquiry took place on XX/XX/XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX XXXX, Re : Debt Collection Validate Request We hop e this letter finds you well. Our records indicate an outstanding balance owed to XXXX XXXX XXXX, as referenced by the account number ( # XXXX ), in the amount of {$3000.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within ( 10 ) days from the date of this letter to ensure proper review and resolution of the matter.

Failure to provide these documents may result in further actions in accordance with applicable laws.

I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to XXXX and Experian to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The XXXX and Experian companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet XXXX and Experian continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX. 
I visited XXXX XXXX XXXX XXXX on XX/XX/2015 to get XXXX on my XXXX in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, XXXX XXXX XXXX from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
Product: Money transfer, virtual currency, or money service

Money was transferred from my bank account fraudulently to someone I don't know. I immediately reported this to my bank when I received an email stating money had been sent and the bank said they cancelled the transaction but the transaction happened anyway. I have filed a police report and gave the information to my bank and filed a claim but now my bank has denied my claim and said I need provide proof that my phone had been spoofed. I don't know what I should do next. The bank is Bank of America. They have been absolutely no help. I need my money and don't know what to do next. The money was sent through XXXX and when I contacted them they said I had to contact my bank. I have gotten so much of a run around.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to file a formal dispute complaint regarding unauthorized credit inquiries made on my credit report. These inquiries are not related to any transaction undertaken by me, and multiple unauthorized inquiries were made on my credit report, including two inquiries made on the same day, which I believe constitutes consumer fraud. The unauthorized inquiries listed below have been made without my consent and are in violation of laws such as 15 USC 1644 ( Credit Card Use Fraud ), 15 USC 6801 ( Protection of Non-Public Information ), and 15 USC 6802 ( Obligation to Respect a Disclosure of Information ). 

Unauthorized Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ List all unauthorized inquiries with corresponding dates ] I would like to draw your attention to the fact that on XX/XX/2023, my credit report was accessed twice in one day without my authorization, which is a clear violation of consumer protection laws. This unauthorized access to my credit report could potentially lead to my personal information being misused, and I am deeply concerned about the potential ramifications of these unauthorized inquiries. 

Furthermore, I believe that my credit application has been turned into a security without my consent, and these financial institutions are trading it in a secondary market, which may constitute consumer fraud and identity theft. The unauthorized transfer of my credit application to other banks without my authorization is a serious breach of my privacy and security.

I request that the Consumer Financial Protection Bureau investigate these unauthorized inquiries and take appropriate action against the institutions responsible for these violations. I also request that the unauthorized inquiries be removed from my credit report to prevent any further misuse of my personal information.

I have enclosed copies of my credit reports & an FTC report number..highlighting the unauthorized inquiries for your reference. I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

CITIBANK! The worst bank that ever existed! I deposited money to my account ( around {$10000.00} or more ), after a while they froze my account and said they are closing my accounts due to the fraud I had recently suffered and ceased all my funds! They are not responding at the branch, their customer service is in XXXX, or XXXX or XXXX! When you call them they say they are holding my funds for review for 60-90 days (!!!! ) and let me know what their final decision will be! This is called XXXX  and an illegal - literal theft of my money! This bank needs to be shut down and closed forever. 
Waiting for your help to get my funds back and fining this financial institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX   XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst
Product: Credit card or prepaid card

Been a Capital One credit card customer for 13 years. No late issues Tier 1 credit risk. Out of no where I get an email saying they are cutting my credit line. No prior notice. No appeal. No restoration per their customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing the XXXX account entry that is reflected on my credit report with the company in XX/XX/XXXX ( see attached ). In my initial dispute dated XX/XX/XXXX, I specifically requested that XXXX provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and the name and address of the bonding agent for collection agency in case legal action becomes necessary. XXXX responded to my dispute ( see attached ), in their letter dated XX/XX/XXXX. 

Upon receipt of the documentation that was sent, I sent them a letter dated XX/XX/XXXX, ( see attached ), whereby I requested that they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release medical information to them as well as for them to cease any credit reporting until the debt has been validated by me ; XXXX failed to do so. They were not able to provide any substantiated documents that reflected financial responsibility on the alleged debt, nor did they provide a copy of my signature with the alleged provider of service to release medical information to them. Merely providing a statement that HIPAA violations were not committed is unacceptable as XXXX should have all documents to indeed prove the debt is legitimately owed versus alleged. 

To that end, this entry lacks veracity, is inaccurate and poses a HIPAA violation as any records whether transferred by the alleged medical facility should not have been submitted to a collection agency without consent being granted as reflected by signature on the applicable documents. These entries should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am submitting supporting documents XXXX and XXXX and Equifax claim the document was not valid. This is in fact an affidavit of truth submitted and officially with ftc.gov and the report number is listed. 
The XXXX, XXXX and equifax data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX XXXX I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue litigation. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Investment Retrievers faxed my employer a request for information with their identity letterhead that my Employer inquired about and I could not explain because I was not aware of the company. My employer could easily look up the company and see they are a debt collection agency. When I called the company to let them know this was not acceptable and could effect my employment, the Rep I spoke with told me they were attempting to collect a debt for XXXX XXXX XXXX XXXX and if I did not plan to work out payment they would recommend my case to their legal department to file a lawsuit. I have the fax that was sent my employer if needed.
Product: Checking or savings account

on XX/XX/XXXX Called to inquire about XXXX NSF fees. Customer service stated the fees would be reimbursed, unable to process there transferred to a different department where I waited on hold for a total of XXXX hour XXXX minutes. Then the line simply disconnected. 

2nd attempt -placed on hold XXXX hour XXXX minutes 3rd attempt- placed on hold XXXX hours XXXX minutes Then the line simply disconnected. 

LINE/CALL SIMPLY DISCONNECTS!!!!
Product: Credit reporting or other personal consumer reports

Us Department of ED Accounts # XXXX and # XXXX are over 7 years and should not be on my Consumer Files
Product: Debt collection

I try to dispute these debts which I don't know anything about and they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the invalid/inaccurate data supplied by XXXX for XXXX despite copious evidence showing the data is invalid because : bills were not generated, forbearance and deferment periods did not cease payemnts, revised payment schedules were not provided, CO occurred day before number of days considered valid for CO, and CO imporoper due to billing errors and inconsistencies. 

Equifax continues to turn-around their " investigations '' in record time relying upon XXXX submissions from data-furnishers and is not conducting an investigation using the information supplied by consumers, but instead is relying the automatic responses from the reporting systems of the data-furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights U.S.C 1681 section 602 A. States I have the right to privacy 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: Debt collection

When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.
Product: Mortgage

Wells Fargo Admits Loan Modification Error, Wrongfully Foreclosed On Homes A quarterly filing with the Securities & Exchange Commission in XX/XX/XXXX revealed that Wells Fargo made an error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms instead of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX. 
Wells Fargo Sends Letters and Checks to Wrongfully Foreclosed Homeowners Wells Fargo has already sent letters and checks to many individuals, and it admits they were affected by the loan modification error. The letters typically say that the person was affected by the calculation error and offer them a check in the range of {$10000.00} as a gesture of goodwill. If the person isnt satisfied with the amount, Wells Fargo generally offers to submit to independent mediation to determine if the person should get more money. Wells Fargo doesnt make clear that they may have an attorney present during the mediation. Mediators are generally former judges or practicing attorneys. 
Unfortunately, Wells Fargo has advised that I'm not part of this settlement. However, I received a refund check from Wells Fargo dated XX/XX/XXXX, informing me of an accounting error. I find it odd that Wells Fargo attempted to foreclose on my home XXXX times between XXXX and XXXX after I was denied loan modifications repeatedly during this time frame. The refund letter/check provided no details as to how the amount of the refund was determined. Therefore, if Wells Fargo could explain this check in detail that would be great.