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

I previously sent this company two letters on two different occasions letting them know that I was a victim of identity theft and that this was a fraudulent account and I had no knowledge of it until I was contacted by XXXX XXXX XXXX of the XXXX Police Department letting me know that they found fake identification cards on the suspect XXXX XXXX with my personal information on it. I sent this company a police report along with the FTC identity theft affidavit report, and they still did not delete this account and they say that they verified that this account belongs to me. As a result of this, I'm filing a complaint against this company with the FTC the BBB the Attorney General of my state in the CFPB accusing this company of willful non-compliance because they are not willing to remove this fraudulent account after I proved that I'm a victim of identity theft.
Product: Credit reporting or other personal consumer reports

My information was exposed on the XXXX data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : US DEPARTMENT OF EDU Date of inquiry XX/XX/year> Name : XXXXXXXX XXXX Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year>XXXX XXXX
Product: Checking or savings account

I had a problem that I made a deposit of XXXX dollars but they hacked my account and transferred it to another account through XXXX and I called the Chase bank to help me and they said that they were not going to help me that they are not responsible and I lost my money. This happened on XX/XX/XXXX and I have been fighting for a month and they don't want to help or give me money back. I want my money back and they also took {$310.00} dollars from my account without me knowing anything, Chase Bank did it a week ago.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : Accounts : XXXX  - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$110.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I spoke to this company and explained this was not my debt but they keep calling and saying my credit will be ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXX collection services that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus XXXX times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the XXXX and the XXXX and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal XXXX said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Product: Credit card

This individual may have deep information of my credit and credit history. This company has used a tax credit agency to scam me for {$500.00} to {$800.00} and I believe she then syber stalked me to gain access to my social security number to gain in my name as I have not been able to purchase credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 I received a suspicious call from someone claiming to be Equifax at the number XXXX. They said they're was a dispute about whether a mortgage that was in my name had been closed and needed access to my mortgage account to confirm. They conference called me in with my bank who asked for private information and my account password. After speaking with the " Equifax '' representative I was disconnected. I contacted Equifax the next business day to confirm that they did in fact contact me ( I was concerned it a was a phishing scam ). I spoke with multiple representatives who each asked for my SSN, address and Birthdate and said there was nothing they could do to confirm I was contacted. They said I would need to send in a dispute form and a copy of my driver 's license and social security card. This call took 40 minutes and resolved nothing. They refused to look into the matter without me mailing in personal information. Meanwhile my identity could have been stolen. There needs to be more transparency into who is contacting me and a way to confirm contact with such personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Of XX/XX/XXXX, " I Have Not Received My Annual Free Credit Report From EXPERIAN. '' Credit Report From XXXX Received XX/XX/XXXX. Credit Report From XXXX Received XX/XX/XXXX. 

All Attempts To Request My Free Annual Credit Reports By Phone Continuously Fail. 

Why Does The Phone System Fail To Recognize My Street Name " XXXX XXXX? '' Why Does The Phone System Respond Incorrectly With " XXXX XXXX XXXX? ''
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). 

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 ( K ) XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, -Shermyra-Kiyanna-Harp XXXX 

All Rights Reserved Without Prejudice.
Product: Credit card or prepaid card

On XX/XX/XXXX I left my card with the drive thru attendant who was fired for stealing the card. I was XXXX in my XXXX and hospitalized until the XX/XX/XXXX. During this time these purchases were fraudulently made on my card .XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX GA/ XXXX XX/XX/XXXX XXXX XXXX XXXX GA/XXXX   XX/XX/XXXX XXXX XXXX XXXX GA/ XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX when I logged into my account after a long time I noticed the transactions and immediately called and reported the transactions. The bank included a charge I made and tried to say that these items were delivered at my location and purchased by me. I filed a police report with the XXXX police dept who told me it was incorrect and needed to be filed in XXXX which I did and reported to the fraud investigator. The fraud investigator said it was something wrong with the report and that they didn't have enough information to say who did the charges. I asked why didn't they call the police to find signatures and photos of file he refused to do his job. I asked for a manager and still haven't heard back from one!

This company promises 0 fraud liability for fraudulent charges but they are asking me to pay for charges that I didn't do and didn't even conduct an investigation or have anyone call me. They tried to say it was me but I have proof I was in the hospital and I have no authorize user on my card. I shouldn't have to pay for someone else charges just because they cant do their job. XXXX of fraudulent charges that have nothing to do with me I have left a thousand messages and the guy XXXX keeps calling a phone number that doesn't belong to me and accusing me of owning the number because I worked for the XXXX XXXX I explained I worked in a different location he keeps saying no you work here. I want this to be handled correctly and the correct person to be arrested. I want them to do their job and stand by their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXXdata breach and may have got into there hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of unauthorized inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent inquiries removed from my credit report. 
The following inquiries were not initiated by me and should be removed immediately : XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX - XXXX Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/year>
Product: Mortgage

In 2017 I received form XXXX, IRS ' form for the canceled debt. Sender was Ocwen Loan Servising LLC. However plaintiff on the foreclosure case were GMAC Mortgage, LLC. When I forwarded request for explanation to the Ocwen, they claim that Power of Attorney were granted to GMAC Mortgage by Ocwen. On several occasions I asked Ocwen to provide me with aforementioned document. Ocwen ignored my request. 
PHH Mortgage Services purchased Ocwen. Pursuant 12 CFR Part 1024.36, I forwarded formal Request for Information. PHH Mortgage services refused to present requested document, Power of Attorney. Therefore, I am looking for CFPB 's the assistance in obtaining aforementioned legal paper. 

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

FCRA VIOLATIONS NOT MINE CREDIT CARD XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY SS XXXX NOT JOBS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT MY NAMES XXXX XXXX NOT MY INQUIRIES XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

this company has continued to try to report this debt when I have sent them copies of the information that they have requested such as the police report and notarized copy of id theft affidavit. I have and will again send/attach with this complaint the police report and id theft affidavit - notarized. so that the cfpb can see for yourselves the information that has been sent and is being ignored.
Product: Checking or savings account

A bequeath OF XXXX XXXX XXXX  made out to a tribal member of " XXXX XXXX XXXX OF TEXAS '' XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023. 
I have went to Bank of America on several occasions, Only to be told to contact customer service. I then contact customer service, Only to be told to go back to my local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, some people sent me two checks for a job, the first check for {$1500.00} and the other for {$1000.00}. It appeared deposited in my bank account when these same people told me that I had to send them part of the check. The same bank called me and told me that what was happening with my account was a fraud that did not send more money, when I had already sent {$1000.00} dollars. This morning, XX/XX/XXXX, I wake up with the fact that I have the account at- {$960.00} because the bank canceled those checks after days. I called the bank and they told me that they could not return my money, that the return of my money had to do with the other bank and not with them and that they most likely will not return anything to me, despite the fact that they themselves gave account that it was I was the victim of a fraud