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

I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the XXXX data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Credit reporting

XXXX XXXX XXXX should be deleted on my file and still reporting.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit card

This complaint addresses an unresolved dispute regarding an unauthorized charge on my American Express account ending in XXXX. In XX/XX/XXXX, an unauthorized charge appeared on this account, which was not visible in my online account management nor linked to any physical card in my possession. I did not receive any account statements by mail during this time, making me unaware of the charge until XX/XX/XXXX, when I received a past-due payment notice. Despite filing a dispute with American Express in XXXX under Reference Number XXXX, I have not received a resolution. 

Attempts to follow up in XXXX and XX/XX/XXXX resulted in the reopening of the dispute under Reference Number XXXX, but no further updates have been provided. Additionally, XXXX XXXX contacted me in XX/XX/XXXX regarding the account, to which I responded with evidence of the ongoing dispute, yet no resolution followed. I have also been unable to access the account or dispute status through XXXX XXXX online portal. 

This situation has led to the balance ballooning to {$820.00} due to late fees and interest on the unauthorized charge. It has significantly impacted my credit score and caused considerable stress. I request immediate resolution of the dispute, removal of all late fees and interest, and corrections to my credit report.
Product: Mortgage

Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.
Product: Mortgage

This is a follow up to my original Complaint XXXX ineptly handled and in fact outrageous handling of these issues and simply putting me through a lot of just not necessary expense and aggravation and still they failed to do their job properly. 

THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely ridiculous and outrageous the way Wells Fargo dealt with this issue for years, and absolutely ridiculous how they are allowed to get away with this. They filed a lien release after many years according to them, this I now find to be incorrect as well. 

I had to go ahead and hire a Title Company personally because of Wells Fargos failure to deal with these issues in a proper manner to actually get me these Lien Releases in the last week. 

I now find out these were all released and Wells Fargo instead of doing this properly like the Title Company did. They have Clouded my Title by Filing another not necessary Lien Release. These folks should be held accountable for this turmoil they have caused in peoples lives. 

I have asked them to provide their agent of service in California this they have not done this, as I intend to take this matter to small Claims court in California to recover costs and the impact this has had on my life to date and continuing. by their failure to do the job properly, and file more and indeed improper documents against my home. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 15 unauthorized inquiries on my Transunion credit report that I would like removed
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies on my credit report. However, there are still several items that need to be corrected. This is my second complaint regarding incorrect credit reporting, and I am disputing specific items on my report due to identity theft. The items in question are not associated with any purchases, services, or financial transactions I have authorized. Please remove the following erroneous entries from my credit file : XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are unfamiliar to me. Additionally, the information provided on some items has been removed by other credit bureaus, raising doubts about their accuracy. The reported payment history on these accounts is also inexplicable to me. Under FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request a fair resolution.
Product: Credit reporting or other personal consumer reports

Hello! I noticed a hard inquiry on my credit report through XXXX on XXXX, placed through Capital One. I have not requested any services through Capital One, and I believe the request to be fraudulent. There have been no other requests/charges to any cards. I am planning on contacting XXXX when they open on Monday for further steps. I have tried contacting Capital One but did not want to give my SSN over the phone, particularly in light of the request and without clear knowledge of the dispute process ; I will attempt to contact them again as well. 
Thank you so so much for everything, if there is anything else I can do or any information I can provide please let me know! 
Thank you! 
- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 

In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. Experian, XXXX, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within four business days, and to promptly notify the furnisher ( s ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )
Product: Checking or savings account

On XX/XX/year> I submitted a mobile wire transfer from XXXX of my bank account to the other. This was around XXXX XXXX. Then around XXXX Citibank called me because this is the bank that I have money in the account to do the wire transfer. They called and left a message and asked for me to called them back regarding my wire transfer. I called back around XXXX XXXX  and gave Citibank all of the information they needed and they told me that this transfer would be cancelled and to resubmit the transfer. So I went back into my mobile app and resubmitted the mobile transfer. This was around XXXX XXXX. Then around XXXX I tried to get on my mobile app to check the process of the wire transfer and the app told me that the account has been locked. I didnt understand why so I called the Citibank again. Citibank then told me that my account is u see review and to wait XXXX hours and I will be able to access my mobile app again. Then on XX/XX/year> around XXXX XXXX  I called the bank again because I still couldnt access the mobile app. They then told me that my account had been closed and that I had to wait for more information which will be mailed to me in a letter in 7-10 business days. Then I called again around XXXX XXXX to see what else I can do because I really need my money which is {$2800.00} to pay my rent by XX/XX/year>. The bank told me that there was nothing else that they can do and I have to wait and the whole process can take up to 30-60 days. So I asked to file a complaint with the bank. The bank then called me back around XXXX XXXX  and said there was nothing else that can be done. They cant give me any information and I have to wait. This is ridiculous. I didnt do anything wrong and I need my money back.
Product: Credit card or prepaid card

Credit card was opened fraudulently without my knowledge. 
Creditor is XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Midland Credit Management Company # XXXX and XXXXXXXX XXXX # XXXX numerous times concerning the Per Federal Law, to complete 30 days to complete a investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ), to verify through physical verification of the original signed consumer contract and / or judgments. I have sent certified letters and never received the proper documentation that I request from Midland Credit Management # XXXX and XXXXXXXX XXXX # XXXX, that are reporting on XXXX, XXXX and XXXX. I have enclosed the documents that I mail out to the bureaus. If they can't see me the documents, please delete from my credit reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at about XXXX PM I noticed a charge to Remitly in the amount {$2800.00}, I called the number online for Chase bank and told the man that answered it was unauthorized and it was 100 percent fraud. He told me the Fraud Dept was closed and to call them first thing in the morning and suggested I call Remitly at the number listed on the transaction. I did call Remitly and didn't get anywhere, I actually was put on hold for awhile until I hung up, The next morning XX/XX/XXXX, I went to the Chase branch in XXXX XXXX WV and reported it to XXXX XXXX whom called the Fraud Dept herself. I had the debit card in my possession and XXXX XXXX cut it up herself. She stated the bank would be depositing the money back in my account within XXXX hours but it actually took a few days. 
On XX/XX/XXXX I received an email that a message was available to read within my account. It read that Chase was going to remove the {$2800.00} on XX/XX/XXXX that my claim was denied stating their investigation showed I authorized the said amount when clearly I did not. 
On XX/XX/XXXX I called the number on the email and talked to a XXXX XXXX at Chase she informed me If I went to the bank branch and signed some papers and had the bank fax it to her the money wouldn't be taken out and also suggested I file a police report.As soon as I hung up with her, I went to the Chase branch in XXXX XXXX and talked to XXXX XXXX. XXXX XXXX called the XXXX XXXX and argued with them I reported in a timely fashion and they told her their records showed they called my cell phone and I said it was OK. Chase never called my cell phone and talked to me and I have requested the records from that night from the phone company to prove this and will submit them when I receive them. XXXX XXXX said the bank didn't have any such papers to fax and said the Fraud Dept would be mailing me papers for me to dispute their claim. XXXX XXXX also told me I needed to file a police report.So I did go and file a police report when I left the bank. 
I have never received any dispute papers from Chase. All I received was what was emailed to me and I requested a copy of all documents relating to their denial. All it said was due to transactions. I have never sent a wire transfer to anyone or had any business with this company called XXXX. 
On XX/XX/XXXX I stopped by the Chase XXXX in XXXX XXXX to let XXXX XXXX know I filed a police report and she informed me per Chase that she couldn't communicate with me anymore, that I had to call Chase directly. 
Federal Law states I'm not responsible for Fraudulent transactions. I reported the theft to Chase within hours of it happening, reported it to the branch the next day and filed a police report .I want the {$2800.00} that was stolen by Chase replaced back in my checking account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a Kay Jewelers Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Kay Jewelers credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory.

I hired a 3rd party company to try and dispute this. They reached out to Kay Jewelers but all Kay Jewelers did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.