23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX around XXXX  ( EST ) I received 3 missed calls from what my cell phone said was XXXX XXXX XXXXXXXX ( XXXX ) and I picked up one of the calls at XXXX. I do not unfortunately remember the gentlemans name but he formally said he was calling from XXXX XXXX XXXXXXXX and gave an ID number and said that someone had tried to open a bank account using my information, and it was flagged as suspicious because when they used my cell phone number to link a XXXX account, it saw I was already registered with XXXX through Huntington. He said I had to speak to their XXXX fraud department to get my account unlinked and decline the fraudulent charges they were trying to make. He gave me a case number before transferring me ( XXXX ). He then transferred me to a different gentleman and again, gave me some ID badge number and explained the situation again. He said I needed to go to my XXXX account and follow these steps in order for them ( XXXX ) to cancel these fraudulent pending charges. He walked me through steps of adding a recipient contact in my XXXX ( phone number XXXX ) and it came up with a name of XXXX XXXX. He told me that is their head of department who has to approve the void holds. He then had me write specific notes in the memo section stating : VOID {$990.00} XXXX XXXX. Now clearly looking back, I see the case number and phone number match but in the moment I did not notice that. He then said when it popped up with the amount of money to enter XXXX well when I did that, it kept giving me an error saying increments had to be at least {$1.00}. So then he said okay well lets try this code number of XXXX, which entered as {$440.00} and I asked multiple times if this was going to take money from my account and he said no, it would result as void charge. Which clearly it did not. He then tried to get me to do it 2 more times, but I then caught on that something didnt feel right so I hung up. While I was on the phone the whole time I even XXXX searched the XXXX XXXX XXXXXXXX phone number and it matched the same number on my phone that I had received and took, so I assumed it was real. After I hung up, I did receive multiple calls from a different number ( XXXX ( XXXX ) XXXX ) but I never answered any. I quickly called Huntington Bank ( number on the back of my debit card ) to file a fraudulent charge of the {$440.00} that was taken. And they filed a complaint and gave me a case number.
Product: Mortgage

In XX/XX/2017, I co-signed on a house with my son. 
We are not behind on payments or otherwise in breach of contract. 
I am suspicious the note is fraudulent as we were never given a loan as stated in the promise to pay. 
The note is not notarized or signed by any bank. I have had written correspondence via certified mail with all parties at the closing table including the assigned servicer ( XXXX  ) asking for proof of the loan and have not received any proof of a loan only a copy of an EFT from the  lender ( PHH ) saying they transferred money to the servicer. 

I wish to rescind the note as there is no evidence of an ACV loan made and despite my asking at pre-closing as well as at the actual closing, the details of how the note was to be securitized were avoided and never disclosed. 

It is my belief that the originator used my sons and my loan application ( SS numbers ) as a security instrument that was used to withdraw the money from our own XXXX accounts, and then further sold the promise to pay as a bearer certificate to the open market. 

Clearly, through lack of any ACV transaction and lack of full disclosure, the note is fraudulent. 

Because of the scheme, how do I get the note rescinded? 

Thank you for any help.
Product: Credit reporting or other personal consumer reports

I was looking over my credit fi le and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE FILED A CFPBXXXX XXXXXXXX POLICE REPORT
Product: Checking or savings account

On XX/XX/year>, I received an email that my new Chime account had been opened. I thought it was a spam message, but I was surprised when I received a physical debit card in the mail a few days later. I called Chime and they told me that the account must have been set up by a " hacker ''. They successfully closed the account, but I'm concerned that Chime is so easily allowing for the creation of these accounts without more oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, 2020 ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XXXX XXXX, 2017, I discovered Creditor, MABT/ContFin ( XXXX XXXX Credit Card ), and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equfiax XXXX ( XXXX Credit Card ) Item Status : Item latest removal were on XX/XX/XXXX and XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 

As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX turned my debt over to XXXX, bill was paid in full to XXXX on XXXX XXXX, 2015. I just received a demand letter from West Asset Management , Inc That I owe {$510.00}. I have no idea who these people are and they are threatening to report unpaid debt to the credit bureau.
Product: Checking or savings account

Money was sent to my account in error. I immediately asked Navy Federal credit union to reverse the payment back to the sender. The bank refused and stated that my account was in the negative and the money that was accidentally sent covered the negative in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit check from US Bank on my credit report from XX/XX/23 that I did not authorize. It has impacted my credit score and I would like it removed from my report.
Product: Checking or savings account

Unauthorized charges showed up on my bank account. The first one for XXXX then XXXX then XXXX. So I closed the card and disputed the charges. I got an email saying no error no funds would be given back in 1 day. No investigation. You can clearly see they were testing it by doing low amount then going larger. They just let someone steal my money with minimally investigation. I have XXXX kids to feed with that money. Banks are insured to protect the clients but they just let someone steal my money. I told them I am appealing and filed a complaint with XXXX I am livid. I no longer feel safe with this bank after this I will no longer use them. I am contacting the news. XXXX warning everyone that this bank let people steal your money and does nothing about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed PROCOLLECT INC of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Product: Money transfer, virtual currency, or money service

Today at XXXXXXXX XXXX someone ordered XXXX XXXX with the total of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXs ) apparently my card was unlocked but I don't remember unlocking it
Product: Credit reporting or other personal consumer reports

I sent Transunion my notarized copy of the affidavit they sent to me. I also attached a copy of my XXXX  and police report as well, on several occasions. 

According to the FRCA. They failed to do a proper investigation. After disputing these fraudulent accounts on my XXXX and XXXX report they were removed. 

Transunion is stating that the accounts are verified, but how us that possible if they did not do a proper investigation according to the law. Also every piece of information on these fraudulent accounts are not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything had to be 100 % accurate. My rights are continually being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware that an account was opened using my name in 2019 for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

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

I contacted all three bureau 's, XXXX, Transunion, and XXXX  previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Product: Credit reporting or other personal consumer reports

I have been directed to create this CFPB report, as part of the process of working with CSID, a part of Experian, to remove a fraudulent account from my credit report by the XXXX XXXX company. Recently, the Experian CSID representative has assisted me with requesting the removal of the XXXX account from the report by calling their support number, emailing a removal request, and sending a physical request to remove the account due to identity theft. The XXXX company refuses to take action. However the entire process has been going on for almost XXXX years. 

The long list of my efforts to clear this up includes : - Reporting my wallet, identification, and credit cards stolen in XX/XX/XXXX - FTC Identity Theft report filed and sent to XXXX in XX/XX/XXXX - Calling XXXX support number to cancel my account in XXXX, XXXX, XXXX, and XX/XX/XXXX - Contacting XXXX legal department in XXXX and XX/XX/XXXX, which the lead legal representative for the company confirmed it was closed, and that I was not liable - Previous CFPB complaints in XXXX, XXXX, XX/XX/XXXX, since the account wasnt closed or removed from my name - Disputes to XXXX and XXXX in XX/XX/XXXX, where they confirmed the identity theft and removed the fraudulent account - Follow up FTC Identity Theft reports at the request of XXXX in XXXX and XXXX, XXXX - XXXX sent the account to collections, so I disputed them with FTC, CFPB, and credit agencies in XXXX, XXXX, XX/XX/XXXX - Federal Reserve investigation request in XX/XX/XXXX, confirming the identity theft - Previous CFPB complaints in XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX - Ongoing monthly disputes to XXXX and Experian to remove the fraudulent account from the report, with no action taken yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$2300.00} DATE OPENED XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$3800.00} DATE OPENED 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 XXXXXX/XX/XXXX
Product: Credit card

I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing false and deceptive information to my credit report with Trans Union, XXXX, and XXXX, and possibly others. The company has somehow obtained and is using my private personal information together with other false information to set up this false account. The company 's actions are a result of identity theft. I already contacted the company to request certified proof of the alleged account and debt and to cease all credit reporting. Unfortunately the company failed to comply. This false information is ruining my credit reputation and damaging my household status. I am seeking redress to have the false information permanently deleted from my credit profile with all credit reporting agencies. I have attached my identification and identity theft report to this compliant.
Product: Credit reporting or other personal consumer reports

Someone opened an American Express Card in my name and racked up the balance and never paid on it. I HAVE NEVER EVER HAD AN AMERICAN EXPRESS CARD IN MY LIFE! This is affecting my credit scores now and I want this removed! My name and SSN is on the Dark Web!
Product: Credit reporting or other personal consumer reports

I have been providing proof to Equifax that I have no Bankruptcy, XXXX XXXX has given me proof to show to Equifax that a Bankruptcy doesn't exist. XXXX XXXX checked PACER and found no Bankruptcies, PACER is a service that provides public access to federal court records and furthermore I was given a letter from the UNITED STATES BANKRUPTCY OFFICE at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that they DO NOT PROVIDE INFORMATION TO ANY AND ALL CREDIT REPORTING AGENCIES! If it doesn't show on PACER it doesn't exist! I have provided all documents below.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, necessitates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX 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 604 A Section 2 : 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 ) ( 1 ) 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

XXXX  DOES NOT HAVE THE LICENSING AND RIGHTS TO COLLECT ANY AND ALL DEBTS IN THE STATE OF FLORIDA WHERE I LIVE THEY ARE REPORTING FRAUDULENT INFORMATION AND HAS DAMAGED MY LIVELIHOOD AND MY CREDIBILITY I WISH AND SEEK REMEDY FROM THIS COMPANY FOR MAJOR VIOLATIONS AND MONETARY REMEDY IF POSSIBLE WILL TAKE THIS ISSUE SERIOUS AFTER THIS COMPLIANT FOR THIS IS A SETBACK IN MY FINANCIAL AND KIDS LIVELIHOOD. 
XXXX  XXXX BUSINESS LICENSE IS NOT ONLY EXPIRED BUT IS TERMINATED AND HAS BEEN FOR MANY YEARS NOW PLEASE INVESTIGATE REPORTING AGENCY ALONG WITH TRANSUNION ENABLEMENT IN IDENTITY THEFT AND FRAUDULENT DAMAGING ACTIONS TAKING UPON ME AND MY CREDIT AND MY FINANCES. 
WILL ATTACH PROOF OF XXXX  XXXX NOT ONLYEXPIRED BUT TERMINATED LICENSING TO COLLECT IN FLORIDA I WISH/SEEK REMEDY FOR THESE DAMAGES XXXX  XXXX : TRANSUNION CONTINUES TO REPOST INCORRECT FRAUDULENT INQUIRES AND INFORMATION EVEN FRAUDULENT ADDRESSES THAT ARE NOT MINES AFTER SENDING IN IDENTITY THEFT REPORT AND POLICE REPORT : FCRA XXXX AND STILL GET ENABLEMENT OF IDENTITY THEFT AND DAMAGING MY CHARACTER AND DEFAMATION.TRANSUNION AND VIOLATING ALL MY RIGHTS : ACCOUNT NAME : XXXX  XXXX ALONG WITH ALL FRAUDULENT ON ALL REPORTING AGENCIES HARD INQUIRES TRANSUNION 6 HARD INQUIRES 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson 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. In Accordance with the Fair Credit Report Act, XXXX  XXXX # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 6 04A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found some inaccuracies in billing. The late payments are inconsistent with my standard payment history. Please make the necessary corrections and update my account. Thank you!