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

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
nquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently updated my credit report and discovered that an account I had previously disputed and had removed due to identity theft has been reinserted without any notification to me. This account, a XXXX XXXX XXXXXXXX account, was fraudulently opened in my name and is the result of identity theft. I have already filed a police report regarding this matter to document the crime. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any account that was removed from my credit report is reinserted, I must be notified in writing within five business days. I did not receive any such notice, which is a violation of my rights. Additionally, per FCRA 15 U.S.C. 1681c-2, accounts proven to be the result of identity theft must be permanently removed from my credit report. By reinstating this fraudulent account without notifying me or obtaining my consent, the credit bureau has violated federal law and my rights as a consumer. I request that this XXXX XXXX XXXX account be immediately deleted from my credit report and that I am provided with written confirmation of its removal. Furthermore, I urge the credit bureau to ensure that no other fraudulent accounts are added back to my report in the future without adherence to proper legal procedures.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XX/XX/XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XX/XX/XXXXdays before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : High Balance : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
Balance Owed : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
Credit Limit : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft about 3 yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX  opened XXXX XX/XX/XXXX balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consum

er rights to privacy and confidentiality under 15 USC 1681. List the ac
count name here with the account # ( do not list over 5 accounts and 6 inquires ) -Ex XXXX XXXX # Accounts #

has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

My loan is currently with Seterus Servicing. I tried to do a short sale in XXXX of 2015 which was declined. I then vacated the premises on XXXX XXXX, 2015 and notified XXXX of that fact. They sent me XXXX modification agreement in XXXX of 2015. I called them and decli8ned. again advised them I vacated the premises and they should initiate foreclosure proceedings. I did n't hear from them except for the occasional statement and XXXX letter advising me that I was declined for assistance. I never asked for assistance..In XX/XX/XXXX I was sent a Notice of Default. Since then, I have been inundated with calls asking me if I want the modification. That would be the modification that I never received and have told them verbally I did not want. I was called on XXXX XXXX. I advised them I did not want the mod, I was n't living in the house an proceed with the foreclosure. On Saturday. 3 days later, I received another call asking me my intention for the house I again told them I was n't living in the house I did n't want any assistance and proceed with foreclosure. This morning, 1 business day later I received another call. I called them back and again told them I wanted no assistance. I also asked why I was receiving daily calls when contact was made and she advised me that because I am in a trial ( what Trial? ) the calls could not be stopped. I told her that it was harassment and she stated that they were within their right to call me every day as long as I was in a trial I did n't want nor never asked .Is n't this against the fair debt collection practices act?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is in correct and alias names should not be there and the 2 previous addresses are not mine i never lived there and my birth date to be corrected
Product: Debt collection

I feel Citizens One Auto Finance of Citizens Bank wrongfully repossessed my vehicle. The morning of Saturday XX/XX/XXXX, my wife and i returned to the house after running a few errands and saw our truck missing. I went to the neighbors who had a camera over there driveway and saw that the truck was towed. We just paid our car payment the day prior which is well before it is due. We called our bank to verify this payment was sent, as well as the prior few months. All seemed good. We called the financial institution our car loan was through and they didnt give us much info before they forwarded our call to their collections department, which was closed for the weekend. We called the collections department Monday XX/XX/XXXX. They informed us that we missed half a months payment ( {$530.00} of {$930.00} XXXX in XXXX XXXX. After looking into this, we did in fact split our payments that month and accidentally sent the second half of our truck payment to our car loan. We received no notice of this discrepancy. Since we were then delinquent in our payments at that point, the company chose to revoke the two approved deferments we received in XXXX and XX/XX/XXXX ( my family XXXX  at that time ). When Citizens Bank revoked these deferments, they shifted our payment history left, and they made it look as though we had been 60 days delinquent since XX/XX/XXXX, and then 90 days delinquent since XX/XX/XXXX. Again, we received no notice of any of this. When we asked the company why we werent notified, they said they sent notification to addresses that we hadnt lived at since XXXX or earlier, and these addresses were never associated with the loan. The also said they were calling a phone number we havent been associated with since XXXX as well. At this point they informed us that our vehicle had been repossessed and it would cost {$4900.00} to make out account current and get our vehicle back. We had 23 days to do this. Long story short, we had to sell our serial numbered collectors XXXX for half its worth, and we also received an XXXX loan in order to get my truck back. We did get it back though and the loan is current. 

I will also add that neither my wife nor I have ever defaulted on any loan. Both of these vehicles were within a year of being paid off and the one that was repossessed was at 0 % interest. From my understanding, the bank did not have to do this. They could have taken our credit history into account and properly contacted us in order to settle the discrepancy. I feel the bank decided to repossess the vehicle in hopes that they could get double their money when they sent it to auction if we couldnt pay the required amount. They have also raised our interest rate because of this and we now owe almost {$10000.00} more which adds another year to the loan. If you also include the late fees they charged us, they will now make an extra {$11000.00}. The repossession also hit our credit after only a week when we had 21 days to get the vehicle back.
Product: Vehicle loan or lease

I have attempted to make sense of the amount allegedly still owed to PNC Bank on my vehicle purchase agreement, which among other things, has led me to believe they and/or the other party involved have committed fraud in factum. PNC has denied me the right to refinance my agreement rate ( XXXX ) which would greatly help reduce the amount I pay out over the course of this alleged agreement. I would have been able to make a better more informed decision if I had the upfront, clear and concise information that I would not be able to refinance after a certain period of time had passed and/or mileage was added to this automobile that I purchased. I also did not in fact receive an auto loan according to the law, as the amount for the vehicle that I purchased was paid out directly to XXXX XXXX XXXX XXXX here in North Carolina ( the other party involved ), so they are the ones who in fact received an auto loan, by lawful definition. Attempts at refinancing as well as hardship requests have been denied ; the maximum number of requests a consumer is allowed is three according to one of the PNC Bank representatives I spoke with concerning this matter; again, something else I was not made aware of prior to signing this agreement. Last but not least, PNC nor XXXX XXXX of XXXX made me aware of my rights to rescinds this contract nor my right to opt out of credit reporting.
Product: Debt collection

I received two letters from experian regarding dispute results, I have complained to this credit agency for months and they have not assist my request. Making the debt mine, I don't recall having any account with XXXX. I would like this item removed from my credit profile, Experian has not validated the debt as mine, but they continue to ignore my request of removal, they have violated many consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} U S DEPT OF EDXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$3400.00} U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} U S DEPT OF EDXXXX # XXXXXXXX XXXX XXXX  {$5300.00} U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XX/XX/XXXX
Product: Debt collection

CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account. 

Please provide me with the name and address of the bonding agent for Waypoint Resource Group, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. 

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved!
Product: Credit card or prepaid card

to the company NETSPEND XXXX XXXX ; I received a card in the mail to my home address. I did not apply for this netspendXXXX XXXX. Nor it is my name.

Your ( NETSPEND ) customer service is frighteningly not assuring that there are no other accounts associated with my address and under any other fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
Product: Checking or savings account

XX/XX/XXXX : A hacker accessed my Chase checking and savings online account and my debit card pin ( which never left my possession ). This individual proceeded to deposit a fraudulent check for the amount of {$2800.00} and move {$1800.00} from my savings to my checking. This brought the total amount to {$5100.00} in my checking account. The perpetrator proceeded to make numerous withdrawals from an ATM in Florida until my accounts were empty. 

That same day ( XX/XX/XXXX ) I proceeded to file a claim with Chase and change my passwords. The representative said they will reverse the charges and they will send me a new debit card. The Chase representative never confirmed my mailing address with me. Chase did reverse the charges and I was reimbursed a day later. 

The hacker, upon initial entry into my account, put a temporary mailing address of the location in Florida where they wanted the replacement debit card sent and changed my primary email address. Since Chase never confirmed my mailing address with me, they sent a replacement debit card into the hands of the perpetrator. 

Upon receiving the new card a few days later ( XX/XX/XXXX ), the hacker pulled the same scam. This time they were able to get more money out of my account, as I had moved money in there to pay some larger expenses. I tried locking my debit card, but this only stopped the perpetrator momentarily, as they were able to access my account with my stolen pin number and unfreeze the card. They proceeded to exhaust the funds from my account until I got a hold of a Chase representative to cancel the card again and remove the temporary mailing address. They accomplished this through numerous cash-back transactions at XXXX and XXXX. 

Again, I submitted the claim ( XX/XX/XXXX ) and Chase was very understanding. The fraud XXXX realized that this was the work of a professional and said they will get everything submitted. 

This brings me to today, XX/XX/XXXX, when Chase, without any notice, denied the original XX/XX/XXXX claim ( reversing the reimbursements totaling {$3400.00} ) stating, " these transactions were made with a chip card and those cards can not have fraudulent charges. '' After speaking with numerous people and several escalations, I was told there is nothing they can do and they implied that I must have made the transactions, even though I was given no more explanation than " this was made with a chip card and you can't have fraudulent charges on those cards. '' To give the money back to someone, allow them to spend it and then decline the claim a week or more later with no explanation is a gross handling of a consumer 's financials. 

I live in Arizona, I was not asked to produce proof that I hadn't left the state, nor did Chase show me camera footage from an ATM/XXXX in Florida XXXX Now my account with chase has a balance of $ XXXX and there is a potential to not receive any of my money back and that they can report me to collections. I have escalated this with their corporate team, but have not received a callback.