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

On XX/XX/XXXX, I contacted Experian to remove old addresses because they were nonmailable. The representative said that Experian can not remove old addresses because they're apart of my credit profile. On XX/XX/XXXX I submitted a complaint to the CFPB. On XX/XX/XXXX I received the dispute results and Experian removed all but one old address.
Product: Vehicle loan or lease

North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with XXXX, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; XXXX XXXX ( Original Creditor : XXXX ) XXXX**** ; XXXX/DEPTOFED XXXX**** ;
Product: Credit reporting or other personal consumer reports

I recently submitted an online dispute with TransUnion regarding unauthorized credit inquiries and a potential data breach affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and respond within 30 days, yet they have failed to do so properly. Instead of addressing my dispute, they falsely claimed that they sent letters requesting additional information, but I never received any such communication via mail, email, or any other method. This appears to be a deliberate delay tactic to avoid investigating and correcting the fraudulent inquiries on my credit report. 

My credit report reflects multiple unauthorized inquiries from companies I have never interacted with or approved access to. These inquiries are fraudulent and violate my consumer rights and privacy. The unauthorized inquiries and their reported amounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$22000.00}, which is currently showing a {$0.00} balance. 

TransUnion has failed to properly investigate my dispute and has not provided any verification or resolution regarding the fraudulent inquiries. Their claim that they sent letters requesting additional information is false, as I have not received any such letters. Additionally, by not investigating within the legally required timeframe and failing to notify me properly, TransUnion is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX inXX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX. The account was sold to multiple collection agencies but was settled and paid inXX/XX/XXXX XXXX XXXX XXXX has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

XXXX  - reflecting 90 days late payments inXX/XX/XXXX and XX/XX/XXXX.

EXPERIAN - reflecting 90 days late payments in XX/XX/XXXXandXX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
Product: Credit card or prepaid card

In XXXX of 2018 an unexpected charge was made to my Bank of America credit card. It was unexpected because a vendor used a card that I had not used for over a year. For the next six months Bank of America did not send a monthly statement or contact me about this charge in any way. There was no mailed statement, no phone call, no e-mail. They had all the correct contact information for me, as I later verified by phone. Over those six months {$200.00} of fees were added to my account. I would have had no idea, this was happening, except I regularly log into online accounts to verify passwords and activity. Then, I noticed the balance on this rarely used card.
Product: Checking or savings account

I tried to deposit a cashiers check from a friend for my school in my Navy Federal Credit Union savings account. The bank blocked my access to the account online around XX/XX/XXXX, and said they were conducting a fraud investigation. I have not received any mail from NFCU on the status of my investigation. NFCU staff told me I would have a notice within 2 weeks of the status of my investigation, which I did not receive.

For the past two months, I have received XXXX information on : - timeline of the investigation - expected availability of funds - if the investigation is even ongoing - if I can provide additional information - reason for the investigation in the first place - when access to my account will be restored This a cashiers check from my friend 's bank. The money could not be any simpler to trace, with account and routing numbers on it. Neither my friend or myself has been contacted by any fraud department to answer questions or provide clarifying information. The timeline on this investigation is unacceptable. No staff from the credit union, either in-person at a branch or over the phone, has been able to provide any clarity on this process. The fall semester has already started for school, and NFCU is holding my money unavailable to me with XXXX recourse or options for closing this suspected fraud investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of SENTRY RECOVERY & COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit 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 # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/12 received an email from Paypal that acell phone was purchased through my Paypal account. It was {$500.00}. I gave me a customer service number to make my complaint. Sadly I ended up giving my SSI, BD, pin, account number to my XXXX account. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) called me. After the discussion I was told it was ascam. My heart dropped and I was XXXX XXXX XXXX XXXX They had me open upe crypto account, XXXX. What a terrible place I am in. I have a copy of the email but cant attach it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Unused of my credit report, need these accounts deleted asap
Product: Mortgage

Re : XXXX XXXX case ID XXXX ( PHH Mortgage Company Conflict of Interest ) Dear sir : I applied for Mortgage Re-instatement Financial Assistance under the American Rescue Plan. PHH Mortgage Company has refused to acknowledge the loan in question has met the required 30 days delinquent ( at the time application submission ) to receive assistance from the Oklahoma Homeowner Assistance Fund ( OK HAF ). 

XXXX  XXXX Trustees Bankruptcy case # : XXXX -JDL ( XXXX XXXX XX/XX/year> ) delinquent days amount to 57 days delinquent ( at of the time application submission ). PHH Mortgage ( Loan Servicer ) claimed that the Mortgage payment was only 26 days delinquent, thereby rendering the homeowner ineligible for XXXX XXXX 

On the contrary to XXXX  XXXX Bankruptcy Trustees Remittance Payments Records ( see : exhibit XXXX, XXXX, & XXXX attached ) XXXX XXXX XXXX ( XXXX XXXX XXXX Directors : XXXX ) maintain that PHH Mortgage Loan Servicer is the only entity that can confirm XXXX XXXX. XXXX XXXX encouraged the homeowner to work directly with PHH for opportunities to help correct the current mortgage delinquency impasse. 

All efforts to directly work-out resolution with PHH Loan Servicer has proved abortive. PHH Loan Servicer instead has resolved to file a foreclosure Summon ( XXXX ) in the District XXXX XXXX XXXX XXXX XXXX State of Oklahoma XXXX 

I hereby pray to your office to take a closer look at the herein attached document and resolve the gross abuse of XXXX XXXX XXXX that has been ultimately perpetrated by XXXX  XXXX XXXX XXXX. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows my auto loan as closed and transferred, this is incorrect. I disputed the matter with XXXX and have been informed that Ameris bank has updated my account to show as closed/ transferred or sold. I have been making my payments on time and would like Ameris bank to correct this matter by reporting accurate information about my auto loan to XXXX. XXXX credit dispute number is XXXX, and I received the results of my dispute today XX/XX/2021, which still shows inaccurate information. My auto loan originated with XXXX bank which they company named switched to Ameris bank. The old account that was with XXXX was changed to the new account number XXXX with Ameris bank. My auto loan with Ameris bank is opened, current and paid as agreed, I would like Ameris bank to correct my credit file with XXXX  to show as open, the original balance, current balance, how much is monthly payment and account status as pays as agreed.
Product: Debt collection

NCB Management has been reporting a debt on my credit report. I have yet to receive one  notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today  XXXX / XXXX /  XXXX   that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE XXXX XXXX XXXX, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This pertains to all 3 credit report agencies experian XXXX XXXX and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Product: Debt collection

Calls are way too frequent and collector refused to hang up when asked not record and didnt hang up after cease and desist demands. They called another number of mine without my permission. I called before and basically was accused of faudeltly obtaining the account I wanted to pay with. Very demanding tones and refusing to listen to my situation. Why call and say we can work something out if they demand money first and then they will listen. It feels like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An old out of statute of limitations debt is reporting inaccurately by this bank. The bank XXXX XXXX  ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) four years ago. However, both XXXX and XXXX are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by XXXX and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. XXXX, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on experian : no data the reason for this is possibly because XXXX never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent certified to Experian on XX/XX/XXXX and received by them on XX/XX/XXXX. In this letter, under Sections 609 and 611 of the Fair Credit Reporting Act, I requested to see the source of information, which is the original contract containing my wet signature for XXXX. XXXX, XXXX which was allegedly opened on XX/XX/XXXX. 

Experian has failed to address this and it has now been in excess of 30 days.
Product: Checking or savings account

On XX/XX/2023, I called a phone number XXXX, I XXXX  on the Internt, thinking it was someone from " XXXX  '', who could assist me in setting up a new NEST camera/floodlight and help with the app installation on my desk top/cell phone. The person requested a debit Card number for identification purposes, assuring me I would not not be charged. I provided my chase ( inactivated ) debit card number and the XXXX digit code. 
In the morning of XX/XX/2023, between XXXX am and XXXX am, he managed to access my computer, pretending to install the app. However, the screen remained XXXX, and I couldn't see anything. This person called multiple times to acquire codes ( From Chase ) and I gave them to him over the phone for the installation of XXXX. Regrettably, I later discovered that he accessed our checking account, wire trasnferring/taking {$18000.00} via the computer and ordering numerious gift cards. 
My wife received an email from Chase regarding a withdrawal and quickly checked her banking account. She saw at least 6 wire transfers pending/going out and approximatly numerous gift card orders. We immediatly visited Chase Bank in person in XXXX around XXXX XXXX  to stop the wire transfers. Although we spoke with a XXXX, they couldn't halt the transactions. The XXXX helped us file claims on XXXX XXXX around XXXX. 
CHASE was able to fully reverse the gift card orders but will not investigate further because we provided codes to the swindler, he tricked me into providing codes for the installation of XXXX, I never authorized anybody to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON M CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO THE REAUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO MY TRANSACTION BY ME AS THE CONSUMER. 

( 1 ) CAINE & WEINER XX/XX/2021 ( 2 ) XXXX XXXX XXXX XXXX : YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANACTION FROM BEING REPORTED TO MY CONSUMER REPORT WITH IN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I fell victim to a multi-layered scam operation run by an alias XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from Coinflip to fraudulent firm ( s ).
Product: Student loan

XX/XX/year> XXXX sends me an email saying my private student loan will be transferred to MOHELA as of XXXX. The emails states that all autopay will continue as scheduled. 

XX/XX/year> MOHELA takes over servicing the loan XX/XX/year> {$150.00} autopay deducted from checking acct XX/XX/year> {$150.00} autopay deducted from checking acct XX/XX/year> I call MOHELA to find out how much of a balance is left on the acct. The phone system does not find any accts under my social security number and thus can not connect me to a live person for help. 

XX/XX/year> {$150.00} autopay deducted from checking account XX/XX/year> MOHELA website shows I have a loan balance of {$0.00} and there is no loan information to be found. XXXX attached. I call MOHELA multiple times and have the same issue as on XXXX where nothing comes up under my social security number and can not get through to a live person for help. 

XX/XX/year> {$150.00} autopay deducted from checking acct