23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( Equifax, XXXX and XXXX ) consumer reports and noticed that MERCHANTS ADJUSTMENT SERVICE, Equifax, XXXX and XXXX are reporting a charge off for the following account ( s ) on the following date ( s ) : Original Creditor listed as XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX with a balance of {$740.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, Equifax & XXXX XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 



The fraudulent, inaccurate, and false information consists of the following : XXXX. A XXXX XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$10000.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$2200.00} ( account number ending in XXXX ). 

XXXX. A XXXX XXXX XXXX collections account opened on XX/XX/XXXX, with a balance of {$3200.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX and XXXX collections account opened on XX/XX/XXXX, with a balance of {$1900.00} ( account number ending in XXXX ). 



These accounts have resulted in fraudulent hard inquiries and collections being reported on my consumer credit report. I have attached a copy of my consumer credit report maintained by all three credit reporting agencies which highlights these fraudulent items. 



I do not recognize any of the accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all these accounts, collections, and inquiries are fraudulent. 



Demand for Resolution : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agencies block all the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all written confirmation regarding this complaint be sent to me via email at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX I received a call from my employer stating XXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now XXXX is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the incorrect reporting of a closed account on my credit report by TransUnion. The account in question is with XXXX XXXX XXXX Bank, with a past due balance of {$2900.00}. Despite the account being closed, TransUnion is inaccurately reporting it as an open account. Additionally, the debt appears to be re-aged, with a date opened of XXXX and a date reported of XXXX. The account is reported as a charge-off, yet they have stated they still own the debt, which is misleading and inaccurate. 

This debt is currently under dispute, and despite my efforts to resolve the matter directly with TransUnion, the account continues to appear incorrectly on my credit report. The reporting of this account as an open debt and its recent re-aging is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also unfairly impacts my credit score. I have contacted TransUnion to dispute this issue, but it remains unresolved, and the account still reflects inaccurate information. 

Under the FCRA, I am entitled to accurate and complete information on my credit file. The misreporting of this account as open and re-aging the debt to reflect a later reporting date is a clear violation of my rights. I am requesting that TransUnion either correct the account status or delete it entirely from my credit report. 

Moreover, as this information is incorrect, I am asserting my right to request its deletion. The FCRA mandates the removal of any inaccurate or unverifiable information, and I am requesting that TransUnion delete this erroneous entry from my credit report. 

Please investigate this matter and ensure that TransUnion rectifies this mistake by either correcting the account status or removing it completely. I would appreciate prompt action on this matter and request that you keep me informed of the progress. 

Thank you for your attention to this issue. Should you require any additional information or documentation to support my claim, please do not hesitate to contact me.
Product: Checking or savings account

I am requesting help concerning fraud charges on my credit karma spending account. I did my taxes with XXXX XXXX  and the money was sent to my credit karma account. It was placed in the account on XX/XX/XXXX with a date of arrival for the XXXX. On the early morning of the XXXX at XXXX I got a notice stating that a log in code was sent to login in my account. I logged in an noticed a debit card was placed on my account that I did not placed on my account so I contacted credit karma right away. I was on the phone with the agent as I saw my money be " instant transfer '' to the debit card. The agent saw the same. I asked him to stop the transaction and to freeze my credit. He stated he can't add sent me a paper informing me to fill it out right away which I did. I had to send a picture of me hold my credit karma card, my ID front and back, and a picture holding my ID. This was XX/XX/XXXX. Sent then I have contacted them asking them to freeze my account and remove the debit card. They didn't and now they have closed my account and started that there is nothing I can do. I have all the correspondence.
Product: Credit card or prepaid card

I have had this card for over 10 years and during Covid they lowered my credit limit from {$5000.00} to {$1500.00}. This really hurt my debt to ceiling ratio and also affected my credit score. I have been trying for 2 years to get my credit limit raised but they are unwilling to raise it.
Product: Credit card or prepaid card

In late XX/XX/2019 I've managed to purchase XXXX XXXX XXXX XXXX  headphones at XXXX. After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. 

Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery.
Product: Mortgage

Attorney 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX conspired submitted a 18 USC 1956, XXXX XXXX Artifice to Wells Fargo Bank and obtained an unlawfully obtaining & seizing {$340000.00} on my home located at XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. My Complaint has been delayed due to a serious of threats of restrains by XXXX XXXX XXXX. The artifice was clearly fraud on it's face but Wells Fargo position upon talking to them was " THE STATE WAS GOING TO TAKE THE MONEY ANYWAY SO THE FACT THAT THEY FORGED A DEED, DID NOT MATTER ''. they conspired to violate 21 848, 18 1344, 18 USC 1961 es.al.The threats got so bad, I had to move to XXXX XXXX last year. The lawyers was trying to force me to sigh the deed. While on the run, i filed a complaint in Federal Court and it was dismissed under the color of Federal Law. it is common practice for XXXX Lawyers to engage in Bank Fraud concerning real property i # XXXX please review it to see what else XXXX does to the XXXX Community. I have alleged that the XXXX State Bar has the 18 USC 1961 influence on the XXXX Justices facilitating the theft of equity equity, proceeds from us because we are XXXX. This is not the only time that a XXXX lawyer stole money from banks using my property home. send them the file so they can see what they caused and the damage they caused. Wells Fargo is complicit in discrimination because we are XXXX. Wells Fargo is complicit in the tragedies plaguing the XXXX community facilitating and fostering the nostalgia of America pre Civil Right Act and pre emancipation proclamation when America was moving on the premises that XXXX people are to work and XXXX are to have the money for our work, complicit in mortgage fraud and the violation of 18 USC 1201 " the recording of purported documents. The rule of Law [ 18 USC 1956 ] & [ 18 USC 1961 ] state that the beneficiary do not have to knew the money was obtained in specific unlawful activity to be liable, Wells Fargo was directly involved and sought leniency or clemency from XXXX XXXX as they rob XXXX XXXX Citizens, that is my firm belief, I have had other runins with Well Fargo Bank including the extra accounts where they moved money around themselves to create the {$35.00} NFS charges. once on those tactics a loaf of bread cost me {$37.00} because Wells Fargo moved my money from my debit card to my savings account. Like Lawyers, Wells Fargo steal your money to see if you can figure out what to do or if you ever argue the theft. They are intentional acts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent several certified letters over to your company to only get no response and ignored. As a consumer i feel that my rights were violated which i will state several violations.I will file a petition in small claims court for Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Theft. The Chex System has ruin my life and put me in great pain, In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater : ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account without communication. I disputed a charge and they removed it. After it was removed, the account had not been used for quite a while. Upon trying to use the account later, I was not able to use my account. PayPals users agreement, they are supposed to protect me as the consumer from an unauthorized transaction but instead they punished me by taking away my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a XXXX loan with the Department of Education opened on XX/XX/XXXX, another XXXX loan with the Department of Education opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. 

I have been disputing these fraudulent accounts for months to no avail. Please pursaunt to 15 USC 1681c-2 ( a ) block and delete these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter that one of my accounts are closed and they state my credit score to be at XXXX, when this is false. They closed my account for no reason or for the wrong reasons. I have a credit score above XXXX. This is not right that they state my credit score is lower than what I see providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services account # XXXX is reporting an Auto Loan of {$1800.00} on " ALL '' 3 Of my credit reports. I contacted Consumer Portfolio Services about the account & was threatened if I didn't get on a payment plan, this will remain on my credit reports. I didn't understand why they couldn't remove the account since it's past the statue of limitations ( Isn't it my right to have this removed? ) I was easily manipulated into getting into a payment arrangement of {$150.00} a month until the balance is paid off. Since I no little about credit & these situations affect my job I made a payment XX/XX/2019 of {$150.00}. I later was researching and saw after 7 yrs. a closed account should be/could be removed due to your rights under the Fair Credit Repotting Act. I tried disputing this with the credit Bureau 's but they will not remove the item. This account is past 7 yrs. old, it's 7yrs and 4 months old. Can you please help to remove this item.
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report.

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file 4 disputes to XXXX  and Transunion about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked XXXX  and Transunion their method of verification of how this debt was proven to be mine. XXXX could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how XXXX  and Transunion were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.
Product: Debt collection

My complaint is that it was not my debt and XXXX confirmed it, then deleted it off my report. I have suffered mentally as well as financially. I have been denied housing which makes me homeless. I want this account remove from my credit file.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

In XX/XX/2017 I filed a non-asset Bankruptcy where my home mortgage was not included. 
I have made payment on time to my lender for life of the loan 9 years. 
Mr. Copper/ Nationstar had my account marked as active BK and will not change the reporting. This is blocking me from accessing any credit. I have been told by many creditors they will not lend until the mortgage is out of BK. I have a recent decline letter from XXXX XXXX. 
I have made 6 inquiries with Mr. Copper over three years and they said I have to refile and reopen my BK case then reaffirm the account. My BK attorney has advice me ( in writing ) that the district in CA where my BK was filed does not grant reaffirmation on home mortgages. I have also filed multiple disputes with all credit reporting agencies who have contacted Mr. Copper and determined they would not change my reporting. 
My credit reporting code is 17 - no liability. I need this to change to discharged/closed - no late payments. I will never be able to access credit with a 17 code. 

Thank you,