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

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has this account open its needs to be deleted. The open date is isnt correct and the file was to be deleted by the creditor. 

XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XX/XX/XXXX -- -- -- -- -EQUIFAX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Empire Financial Lending of XXXX Missouri They sent me false advertisement a post card that said they will lend money adding their {$50.00} dollars just to earn my business They had XXXX thrown me under the bus to lowered my credit score and ruined my motivations to invest
Product: Credit card or prepaid card

They closed my account without any explanation, a few days later they returned my payment and said it was no good. I have bank statements that say otherwise. After numerous calls finally just decided to pay it off and made 1 large payment, went through just fine. Then paid the balance the next month and again plenty of money in the account and they refunded the payment and charged me {$75.00} in fees.
Product: Mortgage

I am  XXXX   XXXX  th e POA  of my mother  XXXX   XXXX   XXXX , my mother whom has had   XXXX   XXXX . My mother signed a mortgage with  Specialized Loan Services  address  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , CO  XXXX . I submitted several request for a copy of the original loan that she signed for and to know avail I have not received it. I solicit your help in thi s matter.Loan #   XXXX  Property Address  XXXX   XXXX   XXXX   XXXX   XXXX  GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECOGIZE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages XXXX and XXXX attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit card or prepaid card

i have been a victim of identity theft someone took out a card in my name and is being reported fraudulently to my credit report
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person on zelle for some shoes that cost alot of money
Product: Mortgage

bank of america comitted fraud in establishing a mortgage on my home. They have steadfastly refused to answer my questions. Their responses do not address the specifics of my questions or my complaint.
Product: Bank account or service

My mother was preparing to purchase a home. She received an email from lender instructing her to wire funds to a certain XXXX XXXX XXXX account. She wired her down payment/closing costs totaling {$57000.00} on XXXX from our joint Chase bank account to a XXXX XXXX XXXX account. Two days later, at the closing for the house, she is informed by lender that they never received the funds and that they never sent us email with wire transfer instructions. That 's when everyone discovered that someone had hacked into lender emails and sent a fraudulent email in an attempt to defraud my mother of this money. We immediately report the incident to Chase and to the FBI. Chase opens up a case # and initiates a wire recall request. A few days go by and no word from either Bank or the FBI. I have yet to hear from the FBI and from what I understand, the amount is too small for them to get involved. So, I reached out to my local police department and continued to follow up with both Chase and XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they had flagged their customer 's ( receiving ) account and successfully frozen the funds on their customer 's ( fraudulent ) account. They also inform me that they are willing to transfer the money back to our Chase account and that they only need Chase to sign off on a " hold harmless '' letter. I reach out to Chase again by phone a few days later and to my surprise, I am informed that they ( Chase ) have cancelled my recall request and closed my case. After my initial shock, I drive to a branch and ask a Chase banker to double check the status of my case. They inform me that case was indeed closed because they were not willing to sign off on the hold harmless letter. I plead with them to reconsider, stating to them that I am their customer and that the other bank is willing to cooperate and send the money back. Again my own bank refuses to assist saying they will not be signing any letter because there was no fraud on their part. At this point, I am in disbelief that my own bank dropped the ball on us and did n't even have the decency to reach out or call at any point to inform me of their decision. If I had not called them asking for a status, I am not sure they would have ever reached out to me. It seems that the receiving bank is more interested in working with us to prevent this fraud than my own bank is. XXXX XXXX XXXX offered me an alternative by having a police report sent to them ( which I 've done ), but still unsure that this will resolve the issue. I am deeply appalled by the treatment and lack of concern by my own banking institution. Chase would rather sweep the issue under the rug and needlessly avoid resolution than to take care of their own customer. Again, the receiving bank is willing to cooperate and send the funds bank, but it 's my own bank that lacks any sense of duty to assist or prevent fraud by leaving its own customer out in the cold.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX XXXX Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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

I am a federally protected consumer and a natural living person. I recently made a report in regards to a validation of debt to this company, " SEQUIUM ASSET SOLUTION '' and I now have new information. I am aware that SEQUIUM ASSET SOLUTION, is also violating my rights to privacy by reporting unfair and inaccurate information and not being in accordance with the FCRA as 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I have also never given direct consent to SEQUIUM ASSET SOLUTION to furnish anything to my consumer report so they have no permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX BOTH UPDATED MY REPORT AS THEY ARE REPORTING INACCURATE AND NOT 100 % CORRECT INFORMATION ON MY CREDIT REPORT I HAVE REACHED OUT TO THE COLLECTION COMPANY FOR A LETTER STATING WHAT THEY SAY I OWE AND THE AMOUNT THEY CLAIM AND THE AMOUNT THE CREDIT BUREAUS ARE REPORTING ARE NOT 100 % CORRECT AND ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since applying for XXXX my application has been in processing XX/XX/2023. Now over electronic communication I received notification my payment is due XX/XX/XXXX. It is not based off XXXX. I can't get a real person on the phone to process my application as anyone on any forums says that is what step I need to take ( not offered online ). When I call and provide my social security the automatic message isn't ( even today ) updated like my online account is. But I need to speak with someone to get my XXXX application processed. I've done all the steps on my end. How can they randomly charge me double what my payment should be? It is not the payment per XXXX. How can they not have anyone answering the phone? On XXXX I asked for a call back Vs waiting the 60 min hold. I got a call back after 1 hour, when I answered no one said anything. The line was mute. No second attempt by them even was made. It is maddening! 

To be clear, my XXXX application still says processing on my account. How long is too long??
Product: Payday loan, title loan, or personal loan

Supposedly they sold my grandma life insurance when she opened her account and transfered her mortgage to their bank. She passed away XX/XX/21 and had me listed me as her benefactor as well as her P.O.D. Well went into the bank the first time they told me I needed letters of testament, and told me I had to open a probate case in order for me to be able to access her mortgage, then when I went into the bank with all the correct paperwork, they gave me a cashiers check with her account balance, and put her mortgage in the name " the estate of ... '' And looked at me like I was crazy when i asked about these supposed life insurance, and mortgage insurance policies they had roped her into, but told me I could continue to pay off her mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information currently reflected on my credit report. I recently reviewed my credit report and noticed that new entries have been added to my account without my prior knowledge or notification. These additions are not only unexpected but also appear to be inaccurate and require immediate investigation. 
I am concerned about to be disputed item below, which were added to my credit report without prior notice or communication from the creditor. I was not informed of these changes, and I believe the entries may be incorrect or fraudulent. 

Account Name : XXXX XXXX Account NumberXXXX Reason : I have never entered into a contract with this debt collector regarding this debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or kindly remove this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached relevant documentation to support my claim. Please inform me if additional information is needed. 
I request prompt attention to this matter, as the FCRA requires you to be completed within 40 days.
Product: Debt collection

Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

removal of lien comments from my file. Three previous attempts with Equifax over the last 5 years. Detrimental to my employment.
Liens have been released and are no longer being reported by the other   XXXX    agencies.
documents were resent and returned because the recorded used the incorrect last name when cataloging the documents. letter dated  XX/XX/XXXX  addressed to   XXXX   XXXX  , with an old address.
Product: Credit reporting or other personal consumer reports

I have submitted disputes and I didn't get a response within XXXX days and they are required by law to do so. Please investigate my disputes. Thank you very much.
Product: Debt collection

Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX, EQUIFAX and XXXX about account XXXX account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.
Product: Credit reporting or other personal consumer reports

Equifaxhas failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau. Hass recently filed a lawsuit against equifax alleging, systematic issues such as failing to forward, consumer provided evidence to furnisher, accepting unreliable responses and and failing to adequately notify consumer of dispute outcomes. These failures align with my experience where equifax neither corrected or resolved disputed items despite evidence I have provided causing harm to my credit standing. I am requesting. Immediate corrective action. To amend or correct the disputed items. As Equifaxs actions, violate federal law, and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXX, Al XXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX XXXX XXXX and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help XXXX to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm retired. This should be unlawful that someone can open or change an account with showing proper identification.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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