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

I hope this message finds you well. I am writing to express my continued dissatisfaction and concern regarding the unresolved issue of fraudulent items in our records. Despite our previous attempts and numerous communications, it is disheartening to note that these fraudulent items persist. 

We have provided comprehensive documentation and evidence to support the removal of these fraudulent items, highlighting the detrimental impact they have on our operations and financial standing. Despite our efforts, there has been no tangible progress in removing these erroneous entries from our records. 

We urge you to escalate this matter and allocate the necessary resources to expedite the removal of fraudulent items from our records. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

Received a notice from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, Telephone Number XXXX, website : XXXX  executed by XXXX XXXX, Division Manager. The letter references an original creditor with the name " XXXX XXXX XXXX XXXX '' Original Account NoXXXX XXXX, MCM Account No. XXXX, Current Balance {$490.00}, Current Owner XXXX XXXX XXXX

I have never had a mortgage or any other type of loan with either " XXXX XXXX '' or " XXXX XXXX '' This is an attempt to scam me into paying a debt that I do not now, nor have I ever, owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the affected accounts and inquiries that I request to be blocked and deleted : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX - {$47.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$540.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 did not open this account please remove this account thank you CFPB
Product: Checking or savings account

On XX/XX/XXXX I was a victim of fraud when 3 transactions were made in my name without my authorization, they were for XXXX and XXXX dollars, I knew it because the bank sent me a voice message, when I called them they explained the situation to me, they blocked my debit card and they started the investigation.On XX/XX/XXXX they told me that everything indicated that I had made these transactions and therefore they would not return my money, I believe that the investigation was not deep enough and that the security failed because it was the transactions were the same day with very little difference and no suspicions arose after the first one, notifying me when the damage was done, these conviction was reported by me by phone to the bank.Ihave communicated with consumer attention and with the police where I made a report andwith the company that received the money, hoping this can be solved.The bank is Chase and my name is XXXX XXXX Phone XXXX, email XXXX. Thank you.
Product: Mortgage

My name is XXXX XXXX and my complaint number is XXXX. I spoke to someone who took my statement earlier today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning ( XX/XX/2021 ), I made two purchases using my Visa credit card, at two popular online retailers. When I logged into my Visa account online about 20 minutes later, I saw those two authorized transactions, plus a {$1.00} charge for " XXXX '' that I had not authorized. 

I did some research, and the URL for " XXXX '' appears to be affiliated with TransUnion. The home page advertises a " 7-day {$1.00} trial of our credit monitoring. '' I did not enroll, and do not consent to enroll, in any credit monitoring program. I had to cancel my Visa credit card as a result of the unauthorized enrollment and the {$1.00} charge ( which I'm sure would have automatically rolled over into a monthly fee ).
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time to dispute the presence of unverified information on my credit report, as stipulated in 15 U.S.C. 1681c-2. The following accounts have been reported in my credit history without the creditors providing legitimate debt validation. I am once again attaching a copy of my FTC Identity Theft Report ( Report Number : XXXX ) as evidence to support my request for the immediate removal of these records. 

Accounts to be removed due to lack of debt validation : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} According to the law, credit bureaus are obligated to verify reported information and remove any account that has not been properly validated. Since no legitimate documentation has been provided to support these accounts, I demand their immediate removal. 

Inaccuracies Found in the Reports and FCRA Violations : Failure to verify debt requirements : I have not received any contract or signed document proving that these accounts belong to me, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Inconsistencies between credit bureaus : These accounts show discrepancies in the reports from TransUnion, XXXX, and XXXX, including differences in last activity dates, balances, and account statuses. This contradictory information fails to meet the obligation to maintain accurate data as required by the FCRA ( 15 U.S.C. 1681e ( b ) ).

Reporting closed accounts as open : Some accounts appear as open in one credit bureau and closed in another, negatively impacting my credit score.

Maintaining accounts in a " charge-off '' status without justification : Creditors have not demonstrated that these accounts are valid, yet they continue to report them in a way that negatively affects my credit. 


I am attaching a copy of my identification, my FTC report, and the credit reports where these accounts appear for your review. 

I expect a prompt response as required by law. If a resolution is not provided within the stipulated time, I will proceed with the appropriate legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received a letter from Lexis Nexis, which has a corresponding consumer number & case number. I called the customer service number identified, as the letter stated to inquire about the letter. However, to no avail was the associate able to assist because she was unclear and appeared as if she couldn't do anything. When dealing with personal information etc. it is extremely important to have associates capable of handling specific issues. The letter you sent to me appears vague, doesn't make sense, and clearly was unexplainable by the associate named " XXXX '' in the call center, who was unable provide a reference number or ID number to identify " her '' regarding my call, which is absurd. I requested a supervisor, she stated that they can call me, I requested email communication, Per my request to ascertain accountability, i want email communication. She then stated that someone could email me.

Again, I mailed a letter to LexisNexis located in XXXX Georgia, inquiring about some type of soft inquiry identified on my XXXX Report. I have yet to receive a response from Lexis Nexis, except what I assume this letter is. The leter I received, states that LexisNexis is unable to determine exactly what I was disputingm My request was Clear, concise & to the point and provided with Source based info, proof..

I specifically, want my actions answered and a written response. I did not authorize LexisNexis or any other entity to perform this activity on my XXXX Profile. IF further info is requested later by Lexis Nexis, I can comply as it will mirrior my initial request. Please contact me by email.
Product: Checking or savings account

Wells Fargo has my account in the- {$900.00}. I have been contacting this bank for over a month to correct my account. This institution owes me money because of they reversed some checks in my account that was drawn on their bank from a pay out they old me. The institution stated that the check was deposited twice into a XXXX XXXX XXXX account the XXXX XXXX XXXX  provide sufficient documents showing that the checks was return to maker and Wells Fargo never paid the checks twice now Wells Fargo old me money I need to fix my account they owe me {$930.00}. This has caused me mentally and financial stress. This problem have not been resolved after going into the branch twice being told to re-deposit the checks. The checks are not being excepted in. Everyone seem to be lost every time I call. If we can contact us institutions to fix my account that would be great, and if they do not fix my account within the next 30 days, I would like to file a lawsuit against them for financial compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information 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. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX  have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Product: Credit card or prepaid card

During my first day ( XXXX XX/XX/XXXX ) of employment at XXXX XXXX, the HR ( XXXX XXXX ) asked me to fill up few formality papers. I have no idea that they ( XXXX XXXX ) asked me something via which they can open a XXXX XXXX Store credit card in my name. 
XXXX XX/XX/XXXX was my last day at XXXX XXXX. I handed over the employee badge to XXXX XXXX ( Human Resources ) around XXXX on XXXX XXXX, XXXX. XXXX XXXX told me that I will be getting the replacement Credit card ( within 30 days ) as the employee card is also the store credit card. 
Till now - after 30 days - I haven't received my replacement credit card. 
It's a fraud to get the credit card opened in somebody's name like that. It seems XXXX XXXX which is almost on the verge of bankruptcy somehow want to show that still new customers are opening the credit cards to show some spike in sales. 
And worst thing - why XXXX XXXX is making poor employees open up the credit cards at the first place? 
This scam and fraud is as big as what world saw few years back ( when XXXX XXXX opened some fake accounts for the customers ). 

I never ever used this credit card ( which i am not aware how come it got opened ). I closed my house in XX/XX/XXXX and due to some of these recent activities ( applying for the credit card in XX/XX/XXXX ) proved to be fatal for me as I end up paying higher interest rates. 
I never ever received any statement for this credit card - not at my postal address or on the email address ( Work or personal ). 

Where does this ghost credit card went? 

I never got any card member agreement or FYI from this credit card which talks about it's terms and conditions. 

There seems to be some big fraud going on it seems. 

I believe Capital One is the credit card issuer for XXXX XXXX. Capital One should have some standards and protocols ( rules ) in terms of which kind of companies or merchants they need to partner to issue the credit card. Every credit card application is a hard inquiry to a candidate. If there is a massive fraud going on like this - it should be investigated. Card issuer as well as the merchant should be investigated in this matter.
Product: Prepaid card

I have two American Express prepaid gift cards, each with {$50.00} on them. I have tried using the cards multiple times, online and in person, and the transactions are always declined. I have verified that the cards are valid, and that they both have {$50.00} available on them, both through their online balance check option, as well as by calling their customer service number. The customer service representative confirmed that the cards were valid and both had {$50.00} available on them, too, but offered little to no assistance in figuring out how I could get them to work. I have tried using them as split transactions along with a credit card, using them for a purchase of significantly less than the available amount, adding them to my XXXX account, adding them to my XXXX wallet, and adding them to my XXXX wallet. Nothing works, yet American Express will do nothing to help me recover the {$100.00} I have sitting there between the two cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

CKS PRIME INVESTMENTS , LLC Account Number XXXX XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.
Product: Mortgage

I have requested our servicer, United Wholesale Mortgage, cancel our PMI. I have called for over 3 months to get them to cancel it. We provided XXXX with the requirements they requested of us in writing, we are under the 80 % LTV and are in good standings with our loan. They denied our request to cancel the PMI in a voicemail message and will not provide a reason for the denial. Since they have charged us for all these months, I believe they are taking our money illegally.
Product: Credit reporting or other personal consumer reports

** [ XXXX XXXX ] ** [ XXXX XXXX XXXX ] [ XXXX, ga XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] **Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear Equifax Information Services , I am writing to formally dispute certain inaccurate, outdated, or unverifiable items on my credit report. These items are outlined below, and I am requesting their removal or correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

# # # **Accounts in Violation of FCRA** 1. **Account Name/Number : XXXX XXXX XXXX ( Account XXXX XXXX ) ** - **Issue : ** This account shows delinquencies beginning XX/XX/year> but remains scheduled until XXXX, which exceeds the FCRAs seven-year limit for reporting negative information.

- **Requested Action : ** Remove this account from my credit report. 

2. **Account Name/Number : XXXX XXXX ( Account Ending XXXX ) ** - **Issue : ** This account contains unresolved disputed information that has not been independently verified as required under FCRA Section 611.

- **Requested Action : ** Remove this item unless full verification and supporting documentation can be provided. 

3. **Unauthorized Hard Inquiries** - **Issue : ** My report lists inquiries by [ e.g., XXXX ] and other entities that I did not authorize.

- **Requested Action : ** Remove all unauthorized inquiries unless documentation of my consent is provided.

# # # Supporting Information : I have included a copy of my credit report highlighting the disputed items, along with any supporting documents to assist in your investigation.

# # # Legal Obligations Under the FCRA : As mandated by the FCRA, you are required to : 1. Investigate my disputes and respond within 30 days.

2. Remove or correct inaccurate, outdated, or unverified information.

3. Provide written confirmation of your investigation and its resolution.

Failure to comply with these requirements may result in legal action for violations of my rights under the FCRA.

# # # Requested Resolution : I request that the identified items be removed from my credit report, and that I be provided with an updated report reflecting these changes.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

Sincerely, [ XXXX XXXX ] **Attachments : ** - Copy of credit report with disputed items highlighted - Supporting documents
Product: Credit reporting or other personal consumer reports

I filed my XXXX dispute with the TRANSUNION credit bureau reporting agency about a XXXX XXXX credit card, which was charged off in XXXX. XXXX sent me a XXXX in XX/XX/XXXX and forgave the debt ; this was a charged-off credit card from XXXX years ago, and XXXX decided to write off the debt as uncollectible. i have already filed my IRS Tax returns TRANSUNION HAS ALREADY UPDATED THE BALANCE TO {$0.00} A MONTH AGO. THEN, I DISPUTED AND REQUESTED AN EARLY EXCLUSION FOR THE FILE TO BE DELETED, WHICH RESULTED IN RE-AFFIRMING THE ORIGINAL BAL OF {$11000.00} AS OF TODAY 'S CREDIT REPORT. 

I NEED THE BALANCE UPDATED TO {$0.00} BASED ON THE XXXX ISSUED BY XXXX XXXX XXXX XXXX REQUESTING TO BE DELETED. PLEASE NOTE XXXX AND XXXX HAVE ALSO UPDATED THE BALANCE TO {$0.00}
Product: Credit reporting or other personal consumer reports

Dark web activity. Im a victim of identity theft which affected my credit score.
Product: Credit reporting or other personal consumer reports

Multiple dates- requested debt verification for collection account through XXXX, XXXX, and XXXX. All came back within a day or so as verified even though nothing was received in mail or showing validation of debt. This has been continuous over the last few months. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Mortgage

Since XXXX I have paid for our original 6.5 % mortgage. 
{$1400.00} X XXXX = {$510000.00} {$150000.00} to fleet mortgage {$360000.00} {$49000.00} to XXXX {$310000.00} {$200000.00} to XXXX {$100000.00} {$100000.00} to the modification From OUR {$52000.00} escrow we paid {$44000.00} to credit cards In XXXX XXXX we paid off all of the credit cards the escrow and all principal and interest due on the loan. We have {$220000.00} equity Plus {$47000.00} We have {$270000.00} CREDIT. NOT a {$270000.00} balance. 
I gave Ocwen written notice that I did not want any more credit and wished to close the account. I want them to release the lien. They have {$50000.00} for the 2 % interest I paid them on NOTHING. 

RELEASE my LEIN
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX