23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The XXXX XXXX XXXX sold my debt to Hunter Warfield and the amount they are trying to collect is inaccurate. I originally owed XXXX XXXX XXXX  {$5700.00} when I was taken to court and when I moved out. Hunter Warfield is trying to collect from me {$12000.00} which is an incorrect balance that I never owed to the original creditor. The inaccuracy of this balance is accruing interest everyday which is terribly hurting my credit profile and preventing me from renting out from landlords and property management.
Product: Credit card or prepaid card

XX/XX/2021 I recieved a new XXXX XXXX XXXX. The account at XXXX XXXX was closed. Somehow XXXX had the wrong telephone number for text messages, phone number XXXX, my daughters number. When I attempted to change the number, the web site would not allow the change even though I confirmed my information. Cell phone XXXX When I call the relationship manager, I get put on hold for an extended amount of time, and am getting no answer. 

I do all of my banking and credit cards on XXXX and online. This is not o
ly an inconvience, but it could allow others access to my account.
Product: Debt collection

Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax many times regarding negative credit reporting that has surpassed the seven year retention term for negative account history. You have destroyed our credit for 10 years. The loan we co-signed for was reported to the other two agencies in XX/XX/XXXXand XX/XX/XXXX. You have a report date of XX/XX/XXXX which is absolutely incorrect and this is a con either by Equifax or XXXX XXXX XXXX XXXX.
We have and continue to suffer punitive damages as we are elderly and have been turned down for a home refinance loan due to this negative credit report. We have requested proof and been ignored and we are asking for notarized information regarding the XX/XX/XXXXdate you have on file for us and all back credit reports from XX/XX/XXXX through XX/XX/XXXX. Who contacted you in XX/XX/XXXX, from what agency and where is the proof of this incorrect reporting.
Why is it you think you have the right to take 60 days to provide the information that is having a major impact on my life when you have already created this serious financial burden to continue incorrectly??
Product: Credit reporting or other personal consumer reports

all three credit agencies are unfairly decreasing my credit score I thought to earn a good credit score you paid on time or paid off your debt. I have tried over the last few years to get my credit in order pay on time and it seems I am doing all for nall it is unfair to cruelly be unfairly penalized for paying off or on time when there is no reward I don't understand why there is a company that judges you for doing the right thing but penalized you for doing so and to keep a disputed account over XXXX XXXX years old on your account that is negative in which I have disputed for years with no results
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was attempting to contact XXXX services for assistance on my phone. I called the customer service number provided via the internet. Unknown to me the number was not XXXX, it was a scam number. Thinking I was on the phone with XXXX i gave permission for " XXXX '' to access my phone to help me. In doing so I unknowingly gave scammers access to my bank accounts. They proceeded to send themselves XXXX $ from my bank account via Cashapp. Halfway through the call I realized that I was not on the phone with XXXX. At this point it was too late and they had already made the transaction. I immediately called my bank and Cashapp to stop this transaction. My bank responded saying I can not refute the charge until it processes. Cashapp put in a claim to start an investigation and said they would get back to me in up to XXXX business days. Today, XX/XX/XXXX, the charge processed with my bank so I called and refuted the charge. When I called Cashapp this morning they checked my account and said an email was sent with their decision. I never received any emails from them. I told them I received no emails and the representative responded by reading the conclusion. She said Cashapp denied my claim because the charge came from my account... yes the charge came from my account but NOT from me! It is an unauthorized charge and on top of that it is a hacker and a scam! I asked to refute this decision and was told I could not. I asked to speak to someone else, I was told I could not. I asked to speak to a supervisor, I was told there wasn't one. I asked for an email address to contact to refute this decision, I was told that there isn't one. There is NO WAY to get my money back. I am obviously VERY distressed that this is allowed. I was clearly hacked as the account the money was sent to is not an affiliate on my account. There are ZERO connections between my account and this person. I am floored at the absolute lack of assistance customers of the Cashapp platform are given. And how easy it is for hackers and scammers to get away with robbing Cashapp customers. There is no protection!
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Final payment of loan agreement was received on XX/XX/XXXX. 
Loan account was also closed on XX/XX/XXXX following the completion of loan agreement. 
All payments and other responsibilities stated in the Terms and Conditions were met and completed on XX/XX/XXXX. 
Once account closure was finalized and payout process of remaining funds initiated by the automated system, payout date was set for XX/XX/XXXX. 
Company Agents expressed that payout could take up to 7 days from set date to process and be received. 
On XX/XX/XXXX after not receiving payout as expected, I inquired with management about the delay. 
Management communicated that my closed account was put under a review on XX/XX/XXXX and payout for funds was not processed as previously stated. 
The company has yet to provide any justifiable reason why this review was determined necessary or why payout process was canceled and funds withheld. 
Ive attempted to contact the company regarding the matter and have been advised that funds would not be released until their internal review of the account was completed. 
It was never communicated what the internal review was attempting to accomplish or determine. 
It was also communicated that the internal review process did not have a timeframe, and they were unable to provide any information regarding when it would be completed or how long it would take. 
Once the internal review was completed more information regarding the status of payout and release of funds would be communicated via email. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I received and email stating the completion of the internal investigation and review of my account. 
Funds have still not been released or returned to me as stated once the review was completed. 
The company has once again refused to return funds and withheld payment unable to provide a justifiable reason. 
I demand that the company releases the funds back to me immediately or provide a legitimate and substantial reason with proof of claims. 
This is unjust and unfair of them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following entries on my credit report were not authorized by me and are fraudulent. 
Fraudulent Account : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$4500.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send tons of letters and i have not got a respond from the credit bureau about the concerned or any updated information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C1681 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.

15U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than the record of conviction of crimes which antedates the report by more than seven years.

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

I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

PMAB, LLC., reported a medical bill that was in dispute with XXXX   XXXX XXXX XXXX in XXXX XXXX , NC XXXX between my Insurance provider ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX , for more than two years. 

PMAB, LLC., never attempted to contact me to receive or ask for any explanation on my part despite the fact they had my telephone number and Post Office Box address on file provided by XXXX  XXXX XXXX XXXX . 

PMAB, LLC., proceeded and placed the collection of a {$67.00} and {$270.00} respectively on my credit files with all three credit companies on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an attempt to damage my credit. 

I only discovered this damage done by PMAB, LLC., only when I was declined credit by a furniture company in XX/XX/XXXX, which was completely and totally embarrassing. 

I immediately and repeatedly contacted the PMAB, LLC.,  representatives in XXXX , NC, for immediate retrieval and correction of this egregious damage to my reputation and credit. This company and their representatives have been rude, inattentive, and completely treated me with disregard, and have failed to correct their error. They continuously lied that they did not have my address or telephone number when in fact my address was printed on the check that was used in paying the balance that XXXX XXXX XXXX XXXX indicated I owed, and in their record. 

I believe PMAB, LLC., has acted with malice to destroy my credit without making any attempt to contact me before placing a debt collection on my credit files. This is a violation against fair credit act and a fraudulent business practice perpetrated by PMAB, LLC., to collect a debt that is in dispute with the creditor. 

I demand an apology letter from PMAB, LLC., and an immediate removal of this error from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Debt collection

On or about XX/XX/2019. My spouse who is not on the credit card was contacted about my past due American Express account of {$3400.00} balance. He is not on the card and had no idea why he was contacted about a card.
Product: Checking or savings account

Tried to open account with wells fargo online. Completed the process and got an email that due to fraud they believed they are closing the account. BUT they took the money out of the linked chase account. The chase account was deducted {$500.00}. Wells fargo shows {$0.00} balance. 3 hours of calls and still no money back from wells fargo, no one knows the right department and I am now ~1 week without my {$500.00}. If they dont want my account fine but dont take the money to fund the new account then decline it and fail to return the money.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. $ 1681i ( a ) ( 5 ), any information found to be inaccurate incomnlete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items the accounts are XXXX XXXX XXXX XXXX XXXX XXXX & all inquiries. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX of California has confirmed several times that consumer do not owe any overpayment ; however debt collector Cain & Weiner is trying to collect. Consumer had a problem with another debt collector last year trying to collect on this bogus debt, and that matter was resolved and consumer was taken off debt collector 's list. Even though I kept telling this phone rep from Cain & Weiner that he should not be calling me and that I do not owe any overpayment to XXXX XXXX XXXX, he kept stating that I do. Consumer hung up.
Product: Mortgage

Phh mortgage is responsible for paying my taxes. I pay them the money and it is put in my escrow and they are supposed to pay the taxes. My XXXX school taxes were not paid in the appropriate amount so the check was sent back to Phh mortgage. This resulted in a debt being sent to the tax claims bureau. Phh mortgage sent the tax claims bureau a check for the wrong amount again. It is now XXXX and the debt is still not paid even though Phh claimed they would cover all fees and late charges. I've sent them the new letter stating that my home can be sold if it is not paid by may XXXX  and they have ignored every single email.
Product: Checking or savings account

FHB is not observing its obligation to release funds via the XXXX app in a timely manner resulting in personal financial injury.
Product: Mortgage

heart ship loan refi H.S.B.C Mortgage charged me XXXX in interest unknown to me. 
asked for payoff information in XX/XX/XXXX it showed XXXX in interest for heart ship modify. 
just received a letter from H.S.B.C they sold my loan to XXXX XXXX XXXX XXXX for more than I owe XXXX payoff in XXXX was XXXX