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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$6100.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00} 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 XXXX business days after the date of receipt.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each accounts are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from 41 years ago.

The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account.

This is a FAKE PAYMENT HISTORY furnished.

There should not be a payment history because this is not my account and I have never made a payment.

This account is beyond the Statute of Limitations. 



Thank you
Product: Debt collection

CAPIO PARTNERS LLC XXXX FLORIDA HOSPITAL XXXX XX/XX/2018 {$8600.00} {$8600.00} is attempting to collect and report to my credit a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. I request that you review this information and make the necessary corrections to my credit report. 
Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System  XXXX XXXX XXXX, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX  XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Debt collection

XXXX XXXX Resurgent Capital Services located in XXXX, south SC started garnishing wages started at {$100.00} now {$170.00}. on Fraudlent debit card charges.he have proof from the bank he have not open this credit card. XXXX law firm is also involved in this scam. they are scammers preying on consumers they need to be stopped
Product: Mortgage

Rushmore loan management services has been sending letters saying we are in default of our mortgage. The most recent letter is dated XX/XX/2015 and states that we are in default as of XX/XX/2015. Obviously, this makes no sense. Additionally, according to bank records the mortgage payments sent to Rushmore have been cleared every month since we've had this mortgage. This letter dated XX/XX/2015 is the XXXX letter we've received. After the XXXX letter I called the company & they said they would take care of it. Today I was told that they couldn't talk to me because I'm not my husband! I am concerned that this will affect our credit rating.
Product: Debt collection

EOS CCA LOCATED AT: XXXX XXXX XXXX XXXX, MA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include late payment accounts with XXXX XXXX XXXX  and XXXX collections with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, and charge-off accounts with XXXX  XXXX and XXXX XXXX. I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Product: Debt collection

Im a XXXX for the XXXX XXXX. When i went to the hospital, i was under orders and i gave them who they should billed. They never billed the right person. Then they sold the debt, which is my personal info to a debt collector. Which is a violation of HIPPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection, I am writing to bring to your attention a fraudulent activity that has been occurring on my Capital One Bank account. A credit card was opened under my name and delivered to an unknown person who has been using it without my authorization. The card number is XXXX, and as of today, the fraudulent amount on the card is {$3100.00} and keeps increasing. Despite notifying Capital One Bank about this fraudulent activity back in XXXX, the situation has not been resolved, and the person in question has been using the card for years without making monthly payments, causing significant damage to my credit score. 

I have been working with Capital One Bank for the past six months to resolve this issue, but they have not been able to remove the fraudulent card from my credit score. I have also notified all of the credit bureaus, but the situation has not been resolved. I recently spoke with XXXX at XXXX, and she confirmed that the fraudulent activity is still on my account despite my previous notifications to Capital One Bank. 

This situation has caused me a great deal of stress and financial hardship, as my credit score has dropped to low levels due to the unauthorized use of my credit card. I am reaching out to you for assistance in resolving this issue. I believe that Capital One Bank should be held responsible for any damages that have occurred as a result of this fraudulent activity. I am willing to provide any necessary documentation to support my case. 

I am seeking a resolution to this issue that involves the immediate removal of the fraudulent card from my credit report, compensation for any financial losses that I have incurred, and measures taken by Capital One Bank to prevent this type of fraud from happening in the future. 

I appreciate your time and attention to this matter and hope that we can resolve this situation as soon as possible. 

Sincerely XXXX
Product: Mortgage

I've tried numerous times to work with my mortgage company only to be denied 7 applications for assistance. Now I can't get a call back. I've tried selling and couldn't because they added ridiculous fees making it impossible. They say they sent correspondence. I didn't get anything until I filed a complaint and received everything at once. I have a XXXX XXXX backed loan and this mortgage company is no assistance. They prolong things so that they can file foreclosure and I lose my house. They are scandalous and shouldn't be allowed to service mortgage loans in Texas.
Product: Credit card

Someone has stolen my identify. I received an account statement to my address for a computer and accessories purchased in the amount of {$2800.00} on XX/XX/2023. The lender is Citibank and the retailer for the credit card is Best Buy. I did call Citibank and I they are opening up an investigation into the credit card that was opened in my name, without my consent and had a large purchase made. They have closed the account and put a future alert on their system to make sure I will be notified if anyone else tries to open up another credit card in my name. The direct phone to speak with Consumer Protection inside Citibank is XXXX. 

I then contacted all XXXX credit reporting bureaus and I have active disputes that they are looking into about these credit card and its purchase. I also alerted them to a hard inquiry with XXXX XXXX  as the lender and the retailer being XXXX XXXX XXXX XXXX. Someone did a hard inquiring but was denied the application being opened. The hard inquiry was completed on XX/XX/XXXX and the denial was put in place on XX/XX/XXXX. When speaking with a person at the Fraud Prevention Department with XXXX XXXX, they stated that everything on the application matched my exact information on the application. I was sent an application and needed to fill it out, but I never did complete the application, so it was denied because I did not complete the applicaiton. I do not remember ever contacting XXXX XXXX XXXX XXXX about trying to get a credit card or applying for a credit card. 

I am waiting on Citibank to do their investigation. XXXX also stated I will receive a letter confirming that my account was declined and that I will be alerted if anyone tries to inquire about opening up credit under my name with XXXX XXXX XXXX XXXX again. XXXX will send a letter within XXXX  days giving the result of the charge and credit card that is being disputed with Citibank. XXXX will conduct an investigation into the disputed charge. They also put a fraud alert on my account and froze my credit accounts. XXXX is also submitting a dispute for fraud and will send an email confirmation of the dispute with Citibank credit card as well. XXXX was the credit bureau that suggested I contact the ftc.gov, which led me to the CFPB, which is why I am completing a complaint here. 

I have not completed a police report, but plan to do that tomorrow.
Product: Checking or savings account

I keep receiving text messages from random numbers saying my bank account has been temporarily blocked from 5/3 bank. I dont bank with 5/3 bank. They spell it fifth/third or theyll spell it 5/3.
Product: Checking or savings account

On XX/XX/, I reached out to Wells Fargo in regards to a remediation check I never received for an account that was closed/frozen, while they continued to assess fees. I received a Fraud Packet to complete, with a copy of the forged check. I promptly returned the fraud packet, using the prepaid XXXX  return envelope that was included in the packet. As of today, I still have yet to receive a definitive answer from XXXX XXXX XXXX', the third party Wells Fargo has contracted with to handle remediation check issues/customer service. I have reached out to Wells Fargo several times since learning of my check being fraudulently cashed, and voiced my concern why 1. ) it was allowed to be cashed when they have my signature on file on a signature card for previously held accounts, and 2. ) why it's taking so long to resolve the issue and send me a replacement check. Wells Fargo Representatives do nothing but defer me to XXXX. When speaking to XXXX, they are very VERY vague in their response to questions, and their repeated promise to have someone call me back about reviewing my Fraud Packet and whether or not a replacement check is going to be -- or has been -- sent, is NEVER kept. No one EVER calls me back!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the fraudulent inquiry from quicken loans removed. XXXX  refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.
Product: Debt collection

Columbia Debt Recovery Subject : Request for Written Agreement Regarding Pay-for-Delete To Whom It XXXX Concern, I am writing in reference to certain debts that your company has reported under my credit profile. After conducting my own review, I have reason to believe that these debts do not belong to me. However, in an effort to resolve this matter amicably, I have inquired about a pay-for-delete arrangement, contingent upon a written agreement confirming that any payment made will result in the complete removal of these accounts from my credit report. 

Upon requesting a written confirmation, I was informed that your company does not provide such documentation and only offers verbal assurances. As you XXXX be aware, verbal agreements are not legally binding in these matters, and I am unwilling to proceed without formal written confirmation outlining the terms of this arrangement. It is standard practice for reputable collection agencies to provide written agreements for pay-for-delete settlements, and the refusal to do so raises concerns regarding the enforceability of any potential resolution. 

Before I release any funds, I require an official written agreement that explicitly states that, upon receipt of the agreed-upon payment, Columbia Debt Recovery XXXX XXXX the deletion of the associated tradelines from all credit reporting agencies. If your company is unable or unwilling to provide this documentation, I kindly ask that you confirm this in writing as well. 

Additionally, if you maintain that these debts are valid, I formally request full validation, including a breakdown of the original creditor, itemized account details, and proof of my liability for the amounts in question, per the Fair Debt Collection Practices Act ( XXXX ). Until I receive proper validation, I dispute the validity of these debts. 

Please provide the requested documentation within 30 days of receiving this letter. Failure to do so will leave me with no choice but to explore further options, including filing disputes with the credit bureaus and seeking legal counsel regarding potential violations of consumer protection laws. 

I look forward to your prompt response in resolving this matter. Please respond in writing to the address provided above or via email at XXXX XXXX
Product: Credit card or prepaid card

I contacted Citi as I believe I inadvertently applied for a credit card while servicing my existing account and received an inquiry dated XX/XX/2022 from Citi. I contacted customer service and they communicated that they do not see anything regarding an application or an additional card.
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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$55000.00}
Product: Vehicle loan or lease

15 U.S. Code 1692j Request : Entire credit file activity from credit bureau verification of identity, contract w/signatures, state identification of signor, original contract, payment receipts, certified mail notices, initial dealership documents and signatures after credit bureau approval to loan. Send me the entire approved credit file from the 3 main credit bureaus, all financial records including signer down payment, repo request ; vehicle tax, title, license receipt ; addresses, resale of vehicle and deposition documents.