23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm writing thus as the description part of my complaint which your website does not include. Again the name is XXXX XXXX and the complaint is about Citizens Bank in XXXX New York. The bank manager XXXX XXXX roads has been tempting everyone 's account. It seems like this women has nothing better to do but back into the banks computer and steal alk the money. 
> I personally am missing over XXXX XXXX XXXX dollars which I receive d in judgements. She's also stealing everyone 's identity and using information from the bank to take out loans in everyone s name my parents name. 
> She's been doing this to all the customers. Between her and her boyfriend ( XXXX XXXX XXXX XXXX XXXX ) who keeps playing games. He keeps pretending to hire and fire her over and over again. This is to make it seem like he cares. This man has been getting a cut too. You see its easier to steal the money put some of it back ( not mine ) than to pay the IRS. 
> Also she's been targeting my elderly parents as well taking loans out and than default ing on the loans so they get stuck with the bill. 
> She's been sleeping with older men and getting money that way too. He's not the only elderly guy she's been leading on like this either. 
> Its clear this matter needs investigating. Please begin investigating and bring her to justice. 

On Wednesday, XX/XX/year>, XXXX XXXX wrote : > My apologies but I forgot to mention the details of my complaints about XXXX XXXX and the bank in question Citizens Bank in XXXX in New York. XXXX XXXX and I did successfully sue numerous parties in regards to a situation here at our home in regards to certain abuses that took place. There were certainly other parties liable but XXXX took bribes I stead its quite obvious. 
> We did win almost every case by judgement and I kept waiting for that money to come into my account. I never got a dime of it. 
> The bank and everyone took Unlawfully took that money instead and cleaned me out totally. XXXX XXXX was a key actor in all this. The money just disappeared. Worse yet no one even told me I had received any payments at all. I kept waiting instead. 
> I tried calling lawyer after lawyer no one will help me. My suspicion is they are mostly all on that stuff. I really need your help. Please feel free to call me at XXXX with any questions. Please investigate its important.

> > Sincerly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, the ( CREDIT BUREAU ) 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. 
I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Experian credit report, which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$0.00}, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$34000.00}, an installment account opened at XXXX XXXX on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$2100.00}, and an installment account opened at XXXX XXXX  on XX/XX/XXXX under the fraudulent account number XXXX with an amount owed of {$13000.00}. Additionally, my report includes a XXXX  XXXX bankruptcy ( Ref : XXXX ) discharged on XX/XX/XXXX, which I am requesting to be reviewed for accuracy. These fraudulent accounts have resulted in multiple unauthorized hard inquiries and financial damage. I demand that all fraudulent items be immediately removed from my consumer credit reports and that all collection activity related to these items cease immediately pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudualent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 frau. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA AND FDCPA laws.
Product: Debt collection

Collection agent was for a cease-and-desist notification prior to submitting this debt to the consumer credit file as prohibited under the authority of public law 104 - 208 which communicated in that same notice that his collection attempts where are unwelcome and that he shall refrain from reporting records debt to the credit bureau because he dont deal with 3rd party collection agencies and i am demanding that the account subject to this complaint to be removed due to failure of complying with reppert statute of the Tair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX. IS REPORTING INFOMATION IS NOT BELOWN TO ME PLEASE REMOVED ALL INMIDIATLY..I check my credit report and find information is not below to me and is affecting my credit score. please help me to remove inmidiatly
Product: Mortgage

Mortgage note has an endorsement undated and the actual possession or date in which Bank of America came into possession can not be established. Assignment of mortgage was robo signed by XXXX XXXX. It is apparent Bank of America attempted to assign interest in itself and used false exhibit in my foreclosure case and recorded against my title which is Fraud.
Product: Debt collection

I am disputing the whole debt of {$110.00} for Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed this debt with previous debt collector XXXX XXXX XXXX and they ruled in my favor and dropped further action. 
I sent the second collection company Sunrise the same documents supporting I do not owe this debt and they refuse to drop the collection. 
XXXX ( XXXX ) continued to charge me an additional {$10.00} each month from XXXX XX/XX/XXXX, totaling {$130.00}, for a modem ( equipment ) I returned back on XX/XX/XXXX. I was told when I returned the equipment on XX/XX/XXXX the modem fee of {$10.00} would be removed. When I brought it to their attention, several times over several months, they continued to tell me it would be taken care of and credited back to my account. This had been going on for over a year with no response or resolution so I cancelled my account. 

It's a shame companies like this still exist and try to take advantage of consumers. When you call and try to get the bill, bills corrected you are met with countless phone calls and wasted hours to no avail.I feel this is a commonplace tactic nowadays, especially XXXX ( XXXX ) to try and wear us down enough so we, the consumer, pay even though we don't owe it!! 

In reality, XXXX ( XXXX ) still owes me {$130.00} in fraudulent charges on my account. Once I receive a check in the amount of {$130.00}, that they owe me for illegally charging me for equipment ( modem ) I had returned, I will be more than happy to pay the {$110.00}. Or XXXX can credit my account the {$130.00} they owe me in which the charge of {$110.00} will disappear and they will still owe me {$15.00}. The receipt from XXXX on XX/XX/XXXX is my proof I returned the equipment ( modem ). Also you will find in my monthly statements my proof they continued to charge me the {$10.00} fee. 

Thank you for your time, XXXX XXXX
Product: Mortgage

See attached file, below, with images of mortgage company letters / documentation redacted/ removed for privacy reasons, since they contained my address. 

Any additional questions, feel free to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX XXXXXXXX, XXXX XXXX XXXX  Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXXXXXX open account account type- auto loan balance {$37000.00} date opened XXXX XXXX XXXX XXXX closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXX Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I initiated transaction # XXXX on XX/XX/year> and sent USD XXXX to my brother in XXXX. This was not the first time I was sending money to that recipient. This time transaction was not executed, and I received email asking to call customer service and provide additional information. I called customer service the same day and was told there were some technical difficulties and that it would be resolved within XXXX business days. It was not. I called customer services again and was told that I need to provide additional information about the recipient. I did that and was told the case would be resolved within XXXX business days. It was not. I called third time and was told the case was escalated to the supervisor and would be resolved within XXXX business days. It was not. I called again and asked to cancel the transaction and to refund me. I was told the transaction was being reviewed and that it would be impossible to send a refund until the review is completed. It is XX/XX/year> now and the review is still not completed and XXXX refuses to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 

XXXX XXXX XXXX XXXX Please provide the following items : identify the item ( s ) by the name of sources, such as creditor or tax court, and identify the type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX ( XXXX ) Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

With navy federal credit union. XX/XX/XXXX I reported fraud on the account. Due to two separate charges. Fraud accrued through my old XXXX  XXXX XXXXXXXX. Which at this time I was separated going through a divorce. I had changed banking information, address and credit card information. I had to changed my phone company and all. I was with the phone company since XXXX. So Im not sure how I was hacked. At the time it was a transaction for {$700.00} and for {$1700.00}. I called the bank reported the transaction. I never received information that the fraud was denied. Due to loosing my home n being homeless so the address they have I never received. I called the bank to see about checking account options and they advise me {$5000.00}. I would like to complaint .not sure if its cause my name on this account was never updated with my current last name. My name has been changed for 6 years and it never got updated with the bank. This was not my main account so it was easily mishandled.
Product: Credit reporting

I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Transunion to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Screen ID formerly known as In XXXX XXXX  preformed a background upon myself producing inaccurate results. My XXXX  background check specifically is not up to date, charges that were dismissed have been reported as holding convictions. There are charges also on this report made to appear is continued offense whoever they are not true. My middle name has also been misspelled and an address not associated with me has been reported as a former residence of mine. 

This error has been detrimental to me and has put me in a position to where I may potentially lose my job. I have been blocked from receiving a XXXX  card in which I need to continue working on a company project I'm involved in. 

Please provide me with assistance. 

XXXX XXXX XXXX
Product: Debt collection

In  XX/XX/XXXX  I pulled a copy of my credit report because I was robb ed by gunpoint.. w  hen  I pull the copy of my credit report I noticed there was this company ca ll profolio recovery I co ntacted them on numerous occasions to try to get information about this debt that they were reporting was unsuccessful they would not say me any information and stopped responding to any of my letters ; so at that moment I contacted all  XXXX  credit bureaus to see if I can get them to work in my behalf ; since I was on successful with trying to reach out to this profolio recovery in writing and phone calls. I submitted a dispute letter never gotten a response from either ( credit bureaus or profolio recovery ). So in  XX/XX/XXXX  I went through the process of trying to purchase a home and was informed of this company being displayed on my credit report once again after reaching out to this company many times.. I reached out to the  XXXX  credit bureaus as well as this company profolio recovery as well was still unsuccessful of getting a response in each of the credit bureaus dating is under investigation, no response after the investigation was over.. but it was still placed on my credit!  XX/XX/XXXX  I contacted the  XXXX  credit bureaus again because once again I was unsuccessful with getting a response from this company so I submitted a certified letter to all  XXXX  credit bureaus explaining once again that I was robbed by gunpoint with my identity, Social Security card and birth certificate and  my car.. a sked that they submit to me a written contract with my signature that I requested this credit card but they 're verification was only that the credit card existed.. proof of documentation of the police report also the itemized statement of the things that I was robbed ou t of.. bu t even after I submitted the documentation was harassed repeatedly from this company about paying off a debt that I did not commit to that I was not even aware of and they still refuse to give me any written document of my signature that this credit card was mine, so in turn I reported them to the Attorney General 's office in the state of Louisiana it was informed that they are not licensed in the state of Louisiana to collect on a debt.. but this compan y profolio recovery  continuously harassed me by phone and also continuously reporting negative items on my credit report without submitting to me any written contract.. I have reached out to this company on many occasions and still can not get a response.. I 've also contacted all  XXXX  credit bureaus  XXXX   XXXX  and   XXXX   it still was unsuccessful of getting a debt removed so I found it was in my best interest to make an additional report that was also advised to me by Louisiana Attorney General 's office.. I would like this debt removed off of my credit report because this debt is not mine thank you and have a blessed day
Product: Debt collection

XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by XXXX. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this XXXX account to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted TransUnion. ( followed the same steps for XXXX and XXXX, XXXX  removed the account after their investigation but TransUnion and XXXX continued to report this negative account on my credit report and hence this complaint. <P/>XX/XX/XXXX : I requested TransUnion investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX failure to reply ( provided a copy of the letter that I sent to XXXX XXXX XXXX XXXX XXXX ). <P/>XX/XX/XXXX : TransUnion responded indicating that their investigation was complete and the item was verified. <P/>XX/XX/XXXX : I requested the method/explanation of verification in a very detailed letter. <P/>XX/XX/XXXX : TransUnion responded with a duplicate of the letter received datedXX/XX/XXXX, the only difference was the date. <P/>My request was completely ignored ; at the bottom of the TransUnion cover letter it indicates word for word, " if interested, you may request a more detailed description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' My requests were mailed certified, I am not only losing money but also spending time on detailed correspondence which is not read by a human, this is obvious because I am receiving duplicate automated responses.
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY
Product: Debt collection

on XX/XX/year> or after Unifin INC. address XXXX XXXX  XXXX XXXX IL. XXXX and its affiliate XXXX XXXX XXXX has violated multilple USC including XXXX " XXXX '' part XXXX part XXXX and part XXXX XXXX " XXXX '' part A sections XXXX and XXXX XXXX " XXXX XXXX' part A in regards to phone number XXXX XXXX XXXX part XXXX I have invoiced all violations of {$8000.00} for the XXXX phones call publishing information on my consumer report with out my consent I am asking this company for compensation for violations and a check payable to XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CT XXXX And immediate removal from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2700.00}