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

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$580.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX/XXXX 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 EQUIFAX XXXX XXXX XXXXXXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I became aware of identity theft when my social security benefits were denied since I appeared to be working in XXXX  in the states of XXXX XXXX XXXX Also when I requested my credit report I found debts and investigations not requested by me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.
Product: Checking or savings account

Over the weekend on saturday XX/XX/XXXX my card was swiped as a debit card transaction in XXXX for the amount of {$92.00}. I know the money was in there because before I went my husband asked how much was in the account and at the time I specifically remember there was {$140.00}. After XXXX I always check to see if it had come out of the bank and it did. On Sunday XX/XX/XXXX the card was used 4more times at the gas station for {$13.00}, XXXX for {$8.00} and XXXX   XXXX for {$15.00} and {$3.00} at the gas station again. By 6 Sunday night there was still a few dollars in there, not much but some. We had an accidental charge from XXXX happen Sunday night for {$74.00}. Which we immediately contacted XXXX and theyre refunding the money but like everything else it takes time. First thing Monday morning a recurring payment that we forgot about came out which was XXXX XXXX. When I checked my bank account THREE of the charges from Sunday had overdraft fees on them of {$35.00} but the XXXX XXXX and the XXXX purchases which were legitamitly overdrawn did not. When I looked into it someone reimbursed me for {$8.00} on the 3 overdraft fees. I have fees on things that were not overdrafted and no fees on the things that I am more then happy to pay fees on. I was told that once the money from XXXX went back in the account the fees associated with it would fall off. But there are no fees for that. I am more then happy to pay the fees for the things that were actually overdrafted but something needs to be changed. When I called about it they told me that not all charges post on the day they were made. Which is fine EXCEPT the three that have fees on them were debit purchases and even if they dont officially post that day it still comes out of the available balance. I would not have made those purchases if I didnt have the money in there. Someone I know who knows the banking system has informed me that these are in violation of regulation XXXX, and that Wells Fargo is taking part in unfair and deceptive acts when it comes to these fees. We have been with this bank for 10+ years and I cant believe they wont work with me to fix the problem.
Product: Checking or savings account

Dear XXXX XXXX XXXX XXXX, Are you still unable to raise the fee of just {$180.00} to enable us send to you the original copy of your draft? 
XXXX XXXX. 

Sent : Monday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I don't have the money yet I will let you know ok and I am not sure yet either XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Send the fee {$180.00} to us by Money Gram Or XXXX only in this Name : Receiver : XXXX XXXX XXXX. 

After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 



Sent : Sunday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " foreign operationscbn '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : And tell me where to send the XXXX dollars to and I will as soon. As I get a chance. You would not understand what I am goi g through but I will send for this XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Why??? 

Sent : Saturday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I am no longer interested. 

XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Still haven't hear from you why??? 
Sent : Monday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will send it soon. I p my get paid on the XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , We are still waiting to receive the fee from you as you promised. 

Sent : Thursday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will when I get the money I don't have this now XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Here is your draft.Could you please send the fee {$180.00} to us by Money Gram only in this Name : XXXX XXXX XXXX. 
After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 


Inline image I am not able to raise anything just take the fee from the fund you are so desperately wanting to send to me XXXX XXXX XXXX XXXX Show quoted text
Product: Debt collection

I have disputed the debt multiple times and have never received verification of the debt being reported by Portfolio Recovery Associates, LLC ( a subsidiary of PRA Group , Inc. ). The agency has changed details reported about the type of debt multiple times including reporting it as a changing account dates, reporting balance history as missing data after having previously reported data for that month, originally reporting the debt as credit card, followed by reporting the debt/themselves as factoring debt/company to circumvent the Fair Debt Collection Practices Act and then changed to reporting the debt as an installment loan. The company has responded to disputes by slightly alter some detail reported
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/year>, at XXXX I contacted cash app support about a scam transaction in which I had personally paid {$50.00} unknowingly to a scammer, and was requesting a refund or information as to how I would go about receiving one. When I called the customer service number, they took all of my information including my social security number to view the transaction only to tell me I would not get reimbursed and the process was to help prevent other people from completing future transactions with the scammer. The company has since undergone a huge data breach in which my data was also apart. My information especially including my social security number should not have been necessary to tell me a policy a company has.
Product: Credit card

Someone from " EXPERIAN '' called from the telephone number XXXX, to my business number ( not my personal number ) stating that I applied for a XXXX XXXX XXXX XXXX  ending in # XXXX and they wanted to verify before approving the application. I have reviewed my credit report, no such inquiry exists. I have not applied for credit. When I called the telephone number back, THE SAME INDIVIDUAL answered the call. When I stated that I am reporting the call as a fraudulent call, the individual stated that he will just approve the application, and then hung up on me.
Product: Credit reporting 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.Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 Section 602 A. states the right I have 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. 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

OneMain Financial is attempting to collect on an alleged debt in which they may not be the holder in due course. The debt has not been validated nor proof provided that I am obligated to pay OneMain this alleged debt. I have mailed a notarized conditional acceptance letter to the Chairman/CEO, CFO and a copy to the Attorney General of Indiana via certified mail requesting proof that OneMain is the holder in due course of this alleged debt and I am the obligated party.
Product: Debt collection

Bank is collecting from present owners for debt of prior two owners Apparently XXXX XXXX has personally accepted responsibility of the debt in the letter, and he has closed on a property in Florida where he got XXXX cash to pay his debt to the bank. 

We already paid cash for this property and the bank and their attorneys collected XXXX cash for the sale of the home deposited in increments of XXXX in the trust account that the atttoney XXXX XXXX got funds and documents by order of the nationstar bank. 

bank XXXX XXXX already collected about XXXX XXXX XXXX that along the XXXX that natiobstar has is XXXX that offsets the XXXX XXXX original note that XXXX XXXX XXXXXXXX bought, That should leave a smaller balance of about XXXX The bank bought their loan for XXXX XXXX XXXX XXXX  and offered it for sale for XXXX XXXX which we already have paid to the bank, The collectors that the bank sent wanted XXXX for it, so we agreed to pay that minusthe cash already paid XXXX leaving a balance of about XXXX that we can get through a loan with XXXX XXXX XXXX per the terms stipulated in court documets filed recently. 
It is our property and we live in it as our homestead and our personal residence for the last 15 years the XXXX XXXX XXXX XXXX XXXX XXXX and have apparently as discovered by XXXX XXXX XXXX saved cash for 15 years in a llc that paid off a home that was sold for cash for XXXX cash to them in XXXX neither XXXX XXXX XXXX XXXX XXXX asked for a payoff. of the lien that the XXXX XXXX have in XXXX that nationstar filed..
Product: Mortgage

The mortgage companies report me as missing a payment, I have never missed a payment.
Product: Debt collection

Agent named XXXX from NW collections called from XXXX never Identified the debt did not verify if I was the consumer never stated the mini Miranda or tape disclosure was rude and harassing exact statement when I question the validation of debt her exact statement was you do n't ask questions until she is done speaking did not provide s first notice or any validation of debt
Product: Mortgage

Ive been calling since XXXX to have the grant I was approved for processed to my account to bring it current. The grant program has confirmed payment was sent since XX/XX/XXXX. They then confirmed it was sent to my mortgage service again on XX/XX/XXXX. I called today to check the status and was told by UWM that they havent received the payment yet. However they sent me a notice stating that if they dont receive the payment by XX/XX/XXXX they are starting foreclosure proceedings. On XX/XX/XXXX I have had a rep three way call the grant program to confirm they sent the payment but it still has not posted to my account yet Im getting notice after notice about my delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already talked to the bureaus. They need this updated information to come from Navient. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to XXXX at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the XXXX do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX i have switched debit cards and trying to work with paypal has not given any positive results,, I have talked with their specialists and they refuse to remove the card no longer in use and let me use the good card in file ... .. paypal keeps prolonging the issues and when i sell on XXXX XXXX can not transfer money to my account... i want them to get this straightened out.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX
Product: Credit card

[ XXXX ] ( XXXX XXXX XXXX  ) XXXX - {$5300.00} I opened a dispute on my chase card ending in XXXX on XX/XX/XXXX. 

The item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were ordered XX/XX/XXXX XXXX 

It was supposed to be delivered on XX/XX/XXXX. The item was not received by me and never signed for by me, but by a name I do not know. I have contacted the merchant and confirmed that the address it was shipped to matched, but nothing was received by me at the location at the time of delivery. 

I requested a new one reshipped to me, they refused after persisting for the next 2 months, even after filing a police report confirming that it was not received as a result of theft or misdelivery. 

I contacted my credit card company ( Chase ) to open a dispute on XX/XX/XXXX, I submitted the purchasing invoices, the tracking numbers associated with the order, proof of delivery, and a police report filed with the local authorities and was declined my chargeback on XX/XX/XXXX.
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 TransUnion, XXXX and XXXX credit reporting agencies, 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 ACCOUNT opened on XX/XX/XXXX under account number XXXX in the amount of XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX in the amount of {$0.00}. XXXX XXXX XXXX under the account number XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$0.00} with account number XXXX. A Credit card account reporting with XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX in the amount of {$930.00}. XXXX opened on XX/XX/XXXX in the amount of {$370.00} under account number XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account XXXX IN THE AMOUNT OF {$0.00}. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ON XX/XX/XXXX in the amount of {$950.00} with account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

. I RECENTLY REVIEWD A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND FRAUDLUENT CLOSED CREDIT CARD ACCOUNT ON MY REPORTAND THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT CLOSED CREDOT CARD ACCOUNT FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THAT CREDIT CARD ACCOUNTS. XXXX XXXX ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/year>, BALANCE {$3900.00}. THANK YOU IN ADVINCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX KS XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  PA ) XXXX Balance : {$110.00} ; XXXX  XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a charged-off account that has been previously investigated due to discrepancies in the reported balance across the three credit bureaus. While XXXX has removed this account, it remains on my report with XXXX and TransUnion, with differing balances. 

Since XXXX found reason to delete the account, I am requesting that you review and remove this account from my report as well. If it can not be verified and resolved consistently across all bureaus, please remove it from my file to reflect accurate and fair information. 

XXXX XXXX XXXX TRANSUNION : {$450.00} XXXX : {$450.00} XXXX : {$0.00} Thank you for your attention to this matter.