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

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Checking or savings account

my account was restricted and i cant use it i need access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was removed and put back on which is a FTC violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Product: Credit card

I've consistently ensured that payments on this account are made on time, never allowing them to be overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.I kindly request the removal of late payment remarks and a change to a positive status reflecting payment as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, transunion and XXXX has failed to remove inaccurate information from my credit report
Product: Credit reporting

Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX
Product: Credit card

Hello my name is XXXX XXXX, I live in XXXX XXXX Nevada. I am a XXXX XXXX XXXX XXXX XXXX XXXX, living on a fixed income. I am currently XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to use my Bank of America Visa Credit card to pay for a XXXX XXXXr deposit so XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My card declined as usual, l and the screen said to call the number which I did and it was Bank of America fraud department. They told me that I would need to come into a branch with 2 forms of ID and I explained to them how I was not able to do that because of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX as XXXX XXXX XXXX XXXX XXXX  They told me tough. So I can't use my card that I depend on until I can go to the branch which isnt in the foreseeable future. I feel this is discrimination against the elderly as I've done everything they ask me to, they give me a credit card and don't let me use it so what's the point? It seems as I get older the more harder and harder it becomes to use any of my Bank of America cards. This is wrong. 
Thank you for your time XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 an inquiry was posted on my TransUnion account that I did not do nor give my consent to anyone to do Again on XX/XX/2024 an inquiry was posted on my TransUnion account that I did not do not give my consent to anyone to do This is fraudulent activity I have taken steps with other credit bureaus to put credit freeze and locks on my credit report
Product: Credit card or prepaid card

In late XXXX, 2021, I tried to purchase {$820.00} tickets from XXXX XXXX using a newly opened PayPal account. After several days had passed and I hadnt received a reservation or confirmation code from XXXX so I contacted XXXX by phone. The XXXX representative said that they hadnt received the money from PayPal and would not give me the reservation until they did. I then contacted PayPal and their representative said they would not give the money to XXXX until they received the reservation from them. So I cancelled the order to PayPal and purchased the tickets directly from XXXX. When PayPal started billing me for this reservation by email, I contacted XXXX; but they said they couldnt help me since they dont deal with a third party credit company. PayPal is still billing me as of XX/XX/2021, for the {$820.00} plus late charges and interest even though Ive gone through the PayPal dispute resolution process, the dispute cases were closed, and I was given assurance of a zero balance in late XXXX by two different PayPal representatives in two different phone calls. I closed my account with PayPal in late XXXX.
Product: Mortgage

I mailed my mortgage payment to PHH Mortgage on XXXX XXXX and when I realized it had n't cleared on the XXXX of XXXX, my husband called the company to research. He was advised to wait over the weekend and then make a payment over the phone. My husband placed a stop payment on the PAPER check, made the payment over the phone, and thought the issue was solved. Today, our mortgage company " found '' the check and processed it, not as the paper check we sent, but as an electronic payment that was " undetected '' by the stop payment. When I called PHH Mortgage, they told me that my husband was advised not to put a stop payment on the original check. This benefits the company very well as they get double payment regardless ; meanwhile I scramble to protect myself from late fees, marks on my credit, and possible fraud from someone who may find my lost check. If I had wanted my payment to be electronically debited, I would have chosen to pay by thought the internet or over the phone.
Product: Debt collection

Admin Recovery has been contacting me numerous times on a daily basis. If I do not get the chance to answer the phone call, and I transfer it to voicemail, they will call back again. If I do that again, they will call again. They have contacted my sister, brother-in-law, father, mother, business partners ( coworkers ), mother-in-law, and wife. They continuously still contact them even though my family members have stated they do not wish to be involved. They have left me voicemails stating they know I am the vice president of sales for XXXX XXXX XXXX and they need me to voluntarily resolve this debt willingly. They have left voicemails that legal actions will be taken if not resolved. XXXX they contacted me 3 times from a number, and once from a unknown number. XX/XX/31 called me 5 times, 4 being an unknown number. XXXX called me 4 times. XXXX called me 5 times. XXXX called me 3 times from unknown number. I have copies of all the voicemails as well.
Product: Student loan

Upon looking at my consumer report, I observed a third party non- affiliated, student loan, debt collector illegally reporting on my consumer report without my express written consent, who I do not have a contract to obligate me to them in anyway. Previous to this there was another 3rd party debt collector non affiliate who was also reporting to my consumer report illegally, who has since been removed from my consumer report. Then out of nowhere DEPARTMENT OF EDUCATION/NELN started reporting to my consumer report. Doing my time attending college in 1998, I have never provided a wet ink signature with any company for goods and services named DEPARTMENT OF EDUCATION/NELN. This is a complete violation of my rights to privacy as a consumer, and identity theft, because they do not have my express written consent to report on my consumer report. All laws are attached with this complaint along with a affidavit.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/2024 Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX [ Attachments : Copies of credit report highlighting inaccuracies ]
Product: Credit card or prepaid card

I received a XXXX card at my home from a company named Coinbase. The phone number on the documentation included in the mailing matches legitimate company info I can verify only and by calling. They offer no connection to a live person or other resource to report this fraud without first providing personally identify information or other info that is " listed on your account ''. I have tried on line help, phone help, and XXXX support for Coinbase to no avail. 

At this point I am filing a complaint with you to get this matter resolved.
Product: Debt collection

I am writing to file a formal complaint regarding an issue I am experiencing with a debt collector, National Credit Systems. This company has failed to provide proof of ownership as well as any notification for an alleged debt and is inaccurately reporting information to the credit bureaus. I request your immediate intervention to ensure that this information is deleted from my credit reports due to the lack of proper validation. 

On XX/XX/year>, I requested validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked the company to provide proof of ownership of the alleged debt, including details of the original creditor, the amount owed, and any documentation that proves they have the legal right to collect on this account. 

Despite my request, National Credit Systems has failed to provide the required documentation. They have not responded to my request for validation in a reasonable time frame, nor have they provided sufficient proof that they own the debt in question. As a result, I believe they are reporting inaccurate information to the credit bureaus, as I have found this alleged debt listed on my credit report without any supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), the reporting of this debt without proper validation constitutes a violation of my rights. I request that the CFPB investigate this matter and ensure that National Credit Systems immediately delete this inaccurate information from my credit reports, as it can not be verified.
Product: Debt collection

Is reporting an account to the credit bureaus that does not match my personal information. I will like it to be removed immediately.
Product: Mortgage

On XX/XX/XXXX  Loancare LLC XXXX was hacked by unknown authors. I was not able to make mortgage payments and they are now trying to charge late fees. My personal information was compromised, and they never sent me a letter or correspondence to inform me of the incident. Loancare LLC has been sued multiple times over their history for the same reason unable to protected consumers date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section

602 A. States 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my requests.
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today with regards to the issue that I presented on XX/XX/XXXX. I visited FEDERAL TRADE COMMISION website : XXXX XXXX XXXX and filed an identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ====XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX ====XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Has Violated my rights. 

1. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Mohela made remarks on my students loans, and changed accounts # that directly lead to a drop in my XXXX  credit score by XXXX pts. I have already filed dispute reports on XXXX  to restore my credit score. My loans are currently in the Save admin forbearance and no payment is due at this time or for the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support XXXX  's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX, and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.
Product: Checking or savings account

On XX/XX/2022, I applied for a payday loan through what I thought was XXXX XXXX Bank, at least that's where I was told they were from. The scammers I spoke with gave me false information and stated that they were depositing funds into my account that I would have to pay back via gift card to show a good faith payment. The funds were deposited ( through banking information that I did give out ) via mobile check. The mobile check cleared and I figured it was all a legit bank. I did then purchase the required gift cards to payback and gave the scammers all that information as well. More fake checks were deposited into my account and I had to go through the cycle again. On XXXX, I saw that the first two checks were returned, but was told by the scammers that this was because I didn't do things in a timely manner. I was also threatened at this point and told that I was going to have charges against me and arrested if I didn't continue doing what they told me. On XXXX, I stopped doing what they asked and at this point called the bank to let them know what was going on. Because I had been scammed and had given out all my information, the bank told me that they could not close my account. I had no idea that the checks were fraudulent and that they were being returned by the bank. I truly thought the scammers were pulling the money out of my account. Therefore, I had lost all the money from the gift cards and now my account is negative {$14000.00}. Under the advice of the bank, I was asked to open a new account so my paychecks could be deposited in that account and I could still use that money at least. My old account now sits at {$14000.00} negative, which I am desperately trying to figure out how to amend that, but my new account with a positive balance has now been frozen. I have not been contacted by my bank at all to get any information regarding my case and I now have no idea what else to do. I have filed reports with the FTC, FBI ( internet crime prevention unit ), and the local police department. 

I am desperately seeking assistance to just have access to my last two paychecks that were deposited, but I also want the public to know that this is a serious scam. I had no idea that " cleared '' The people that scammed me were at first extremely convincing with fake profiles and websites and then became very threatening. 

I have spent hours and hours and hours on hold with my bank to try and get through to talk with people about my case and I am told that I need to wait for a letter to arrive with their decision in 15 days. 

Finally, I want the public to know that even if a check clears, it can bounce up to 6 months later and could be returned. I also want the public to know that these scams are out there and to never give out any information no matter what the scammers threaten with. 

I have submitted all the gift cards and all documentation to my local police department.