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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry XXXX XXXX Delete this account.XXXX4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 20. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
21. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
22. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Checking or savings account

I been trying to open an account nobody has gotten in touch with me every time I apply they keep Denying my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA ACT I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, XXXX Transunion CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Product: Credit reporting or other personal consumer reports

Experian declined my block of information without properly verifying the fraudulent accounts. XXXX and XXXX also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have not been able to take advantage of consumer credit because of ( Experian, XXXX, and XXXX ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX for {$210.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt collection

ARS ACCOUNT RESOLUTION posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a serious issue involving my mortgage broker, XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX ( NMLS # XXXX ). XXXX XXXX advised me to provide him with {$4000.00} to address outstanding issues on my credit report, which he assured me was necessary to meet the conditions for mortgage approval. However, instead of using the funds for the intended purpose, he misappropriated the {$4000.00} and failed to make the payments to the creditor as promised.

As a result of his failure to fulfill this obligation, I have since been summoned to court by the creditor for the unresolved debt. Upon informing XXXX XXXX of the legal summons, he responded unprofessionally, stating he would " fix it '' and that he was " slick but would be slick with me too '' and further used inappropriate language, saying " XXXX XXXX XXXX '' In addition to this troubling behavior, I have discovered that XXXX XXXX overcharged me on t

he loan origination fee by nearly {$4000.00}, further compounding the financial harm I have experienced. I am seeking resolution for the following issues : Full reimbursement of the {$4000.00} provided under the understanding it would be used for debt payment. Correction of the overcharged loan origination fee. Accountability for the financial harm caused, including the legal repercussions I am now facing due to the unpaid creditor. Please advise me on the appropriate next steps to formally address this matter and seek restitution. I am committed to resolving this issue through proper channels and ensuring accountability for these actions. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a simple checkings and savings account with TD Bank and received funds for a sba loans that were deposited into the account and the next day withdrawan and I was left with the overdraft fee for the amount that I never applied for nor received. I spoke with the branch manager to which I was told the account was closed and I was issued another account and the same thing kept happening over and over to no avail of relief. The same thing was done with a XXXX XXXX bank account checking that I initially opened but my account was hacked with fraudulent activities
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with National Credit Adjusters L.L.C, they did not provide me with the original contract as requested. I requested the verification process of which the company went through as well in order to verify this debt, and none was provided to me. This information was not provided, I therefore demand it be removed from my credit report as it as inaccurate.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXXXXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXate of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX EQUIFAX XXXX  Date XXXX Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXXeporting agency , 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 2 personal credit cards accounts XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the Acct. # XXXX, & XXXX XXXX XXXX  opened on XX/XX/XXXX under the Acct. # XXXX and collection accounts at XXXX XXXX XXXX that appears related to the aforementioned personal credit cards, a line of credit with XXXX on XX/XX/XXXX under the Acct. # XXXX XXXX XXXX  account has resulted in fraudulent hard inquiries and fraudulent collection appearing on my consumer credit report. Ive attached the hard inquiries in question as well as a copy of my consumer 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 ( Case # XXXX ) as proof from the U.S. 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, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? This complaint is about Wal-Mart selling their credit card account to capital 1 and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When Walmart sold the credit account to Capital One, either Capital One or Wal-Mart closed out the account on my XXXX  credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my XXXX report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? Wal-Mart, Capital One, XXXX XXXX, XXXX. 

Step 5 : Who are the people involved? Myself was effected by Wal-Mart, Capital One, XXXX XXXX, XXXX.
Product: Credit card

This ongoing fraud claim with Chase has been quite sometime, on XX/XX/XXXX, Chase has sent a letter to me by mail in regards to my fraud claim that has been updated and unchanged... 
( REFERENCE NUMBER : XXXX ) My credit card has been compromised and I believe someone had stolen my credit card information and has made multiple purchases to the merchant " XXXX XXXX XXXX '' I have never done business with this merchant before and I have no idea who this merchant is.. Chase has made assumptions instead of probable through investigation to my fraud claim which is quite surprising since Chase is a large financial institution with banking fiduciary responsibility.. Don't you think they should at least contact the merchant about this matter instead of asking me to provide documentation and go into detail to find out who used my credit card as fraud? This makes no sense and is hard to provide on my end and Chase also knows this that's why they're sending me in circles to dodge this claim as best as possible. It's not like I do not want to provide documentation, But there is none.. Chase 's global fraud operation team DID NOT even hesitate to even investigate my claim so they dragged this claim for several months.. ( going back to XXXX ) This incompetent behavior is unethical, and does not meet industry standards of compliance, and consumer protection. They also contacted me through phone and have told me they take this matter " very seriously.. '' I talked to XXXX, from Chase 's fraud department and she told me she will get back to me on the next business day but she never did.. And, also I talked to XXXX from the same department. ( XXXX ) ( EXT : XXXX ). In the comments from the letter they sent me by " Card Executive Office '' XX/XX/XXXX they specifically stated " REGARDING YOUR REQUEST THAT WE PROVIDE DOCUMENTATION, OUR FRAUD REVIEWS ARE INTERNAL AND WE ARE UNABLE TO PROVIDE ANY DOCUMENTATION THAT WOULD SHOW WE CONTACTED THE MERCHANT. '' This level of incompetence is inappropriate, and needs to be investigated throughly on a high level from the CFPB since Chase has noticeable issues with their department and has failed to meet industry standards of consumer protection. They also have closed my credit card accounts from my personal/business even stating they have " failed '' to protect me as a consumer. CFPB please take action and investigate this fraud claim and protect me as a consumer because I do not believe Chase is an ethical bank that meets banking standards and I also believe I have lost faith in the credit system since Chase will not do anything in terms of consumer protection about this subject.
Product: Mortgage

I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX decreased by XXXX  plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX decreased by XXXX  points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and XXXX XXXX now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely