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

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

HAD A MOBILE WITH XXXX  ON AUTO PAY. XXXX SAID ACCOIUNT WAS CLOSED AND GAVE ME A CREDIT FOR {$59.00} XXXX XXXX SAID I STILL IT AND HIRED XXXX TO COLLECT
Product: Debt collection

In XX/XX/XXXX there was a loan taken on line using my personal information. When I found out about it was when a collection company called me and I stated that it was due to identity theft they called me a liar so I got in touch with the company where the loan was taken out and explained that it was due to identity theft. I forwarded them the police report and informed the credit bureau and I had to get a freeze on my credit and life lock. 
A week ago this collection company called me and threatened to garnish my wages and it put stress and fear in me. On XX/XX/XXXX they called my brother and told him they were looking for me and if I did n't pay this loan I would go to jail. XX/XX/XXXX I called XXXX XXXX to speak to them about this and I told them that the credit consumer bureau told me to lodge a complaint they said not to do that. And that they had nothing to do with the collection company. This is causing me to become sick from XXXX   at being harassed by this company. XXXX XXXX XXXX XXXX The amount they are stating I owe is over 1600.00 dollars. 
I have all the proof stating this is identity theft from the sheriff in XXXX, California
Product: Checking or savings account

I was in XXXX, Tennessee over XXXX XXXX weekend when I received an email from my bank Wells Fargo reporting a potential fraudulent charge. The charge was for {$1700.00} to a place called XXXX XXXX XXXX. I confirmed with Wells Fargo that this was not me and after they secured my account they said they would begin to get me my money back by filing a fraud claim. They said it would take 7-10 business days, so after the XXXX day I called them, they told me the claim was rejected because the purchase was made with the sim chip in my debit card, which couldn't be replicated. Since it was made with my " chip '' they said I needed to sort it out with the vendor, but the vendor doesn't exist! I scoured the internet looking for a point of contact with XXXX XXXXXXXX, and my research concluded that the place does not exist. Over the next four weeks, I submitted a claim through the Wells Fargo business office and another through my family 's Wells Fargo financial advisor, both were denied. I then filed a report with the XXXX XXXX, CA, and XXXX, TN police departments but both said it was outside of their jurisdiction. We have also filed a report with the FBI through identitytheft.gov. A family friend and retired FBI agent suggested filing this report because all other avenues have been exhausted.
Product: Student loan

I received a student loan from XXXX XXXX which now go by the name Navient and I have been XXXX and Have lost a large portion of my income. Navient has called me at my employer multiple times, called me after XXXX at night on multiple occasions used intimidation tactics and threats in an attempt to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX reporting on my credit that is not mine and incorrect, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, I was a victim of identity theft and I contacted you to investigate these bankruptcys listed on my credit report and I received a response that it was verified with the bankruptcy court, I contacted the courthouse to verify there information release policy the court informed me that they do not provide anyone with a debtors full social number and they do not provide any credit bureau any information about bankruptcy cases, it is quite clear someone lied about verification of this information from court house that is a violation of The fair credit reporting act ( FCRA ) to report inaccurate or unverifiable information on a credit report, I demand these be removed Immediately the 3 Bankruptcys from my credit report, please respond to me in writing once this removal has been deleted I am send a copy of my identification for my address I have used for past 15 years Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a XX/XX/XXXXand the XXXXXX/XX/XXXX, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with XXXX XXXX XXXX. Please have this removed off of my credit report.
Product: Credit reporting or other personal consumer reports

The XXXX, XXXX and equifax data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX . I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 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 my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : DEPT OF EDUCATION/XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to you requesting that you remove the fraudulent accounts and information being reported on my Credit File. When I reviewed my Credit Report, I noticed that my credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of account and Information. I can tell that someone has stolen my identity to open these accounts. As a result, I filed a formal report to the FTC with File Number XXXX XXXX In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX XXXXXXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please send me copies of proof of verification of proof of ownership in the event that you see these items accurate. If you can not find any documents to support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Good Evening, Happy Thanks giving. 

I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.
Product: Mortgage

In XX/XX/XXXX I purchased my first home with a mortgage from Huntington. The mortgage payment was roughly {$990.00}. XX/XX/XXXX Huntington informed me that my new mortgage payment was roughly going to be {$1300.00} a month for the next year and roughly {$1200.00} for the remaining 28 years on the mortgage. They stated to me that they had incorrectly calculated my taxes on the original mortgage document and that I was stuck with this new payment. I contacted a lawyer and was told that I was a victim of a " bait and switch '' loan. I was unable to make these payment and lost my house. This destroyed my credit in the process. Huntington never offered to help me in any way. They never rewrote my mortgage and I was never presented with documents showing how this was possible. I was only ever presented with a bill each month for this new amount. I was fortunate enough to sell my home in XX/XX/XXXX. I lost my life savings in the process paying back various fees and payments in order to avoid having a foreclosure mark on my credit score for the rest of my life. During this time I occupied the home and Huntington made multiple attempts to winterize my house while I lived there. They hired third party contractors to come to my home and inspect it while I was at work despite he fact that this was my only residence. Their customer service mocked and laughed at me on various occasions as I pledded for help bringing me to tears on multiple occasions. I became depressed to the point of contemplating suicide more than once. If not for the grace of God and Him having me meet my now wife during this crisis I would not be here to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX
Product: Checking or savings account

Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim
Product: Credit reporting or other personal consumer reports

I was viewing my consumer credit reports and seen the following inquiries are not recognized/ approved 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX : {$22000.00}
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX  XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX XXXX  XXXX, attached is my proof of my address delete and remove all address thats reporting in error only one address should be reporting XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX AACT # XXXX, XXXX  XXXX XXXX ACCT XXXX XXXX, XXXX  XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT XXXX XXXX  has violated my rights XXXX 

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 then records of convictions of crimes which antedates the report by more then 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: Debt collection

Requesting a debt validation information from cavalry portfolio services, my request will enclosed with attachment files
Product: Checking or savings account

Hi, Ive already filed a complaint and it was closed without giving the proper response or resolving the issue. So XXXX filing the complaint again with more information about the case. 

I'm a customer with Citi bank from last 6 years. I've opened a High yield savings account in XX/XX/XXXX with citi and transferred amounts in XXXX transactions. First Transaction - {$10000.00} on XX/XX/XXXX, Second Transaction - {$5000.00} on XX/XX/XXXX, Third transaction - {$5000.00} on XX/XX/XXXX, Fourth Transaction - {$10000.00} on XX/XX/XXXX. Transferred a XXXX of {$30000.00} from the XXXX joint savings account owned by me and my wife. All these money are from our pay, bonus and some amount is from my brother which is also from his salary. In first week of XXXX I've tried to do ACH transfer of {$10000.00} our chase account and everything was good. 3 days after the cancellation of XXXX when I've tried to login with my mobile app and It was showing Connection error. I've tried it from my computer, It's the same thing and I've tried calling customer representative and they redirected me to couple of other numbers. I've spoke with about more than XXXX customer representatives in last 2 months and everyone is just saying your account is terminated and you wont get any amount from the bank and when I've asked about the reason they are disconnecting the call. We don't have a branch in Arizona to go in person to the bank. So I had XXXX XXXX to XXXX XXXX branch for help from XXXX AZ. Scheduled the appointments in XXXX branches and both the branches were unable to help as the fraud department said the account is still under investigation. 

On XX/XX/XXXX Ive received a response letter from citi bank stating that the originating bank should request for the funds. Ive spoke with citi bank customer service agent and he mentioned my accounts are closed and they are encrypted so he cant access them and the funds from citi bank account has been moved to Citi banks account. The only way is that my originating bank should request them. Ive spoke with the originating bank and they mentioned that as the transactions have been authorized by me they cant recall or dispute the charges. I would like to know why citi bank is not looking into my transactions or perform a XXXX on my account. All the transactions have been done from the joint savings account of me and my wife. Those are all our savings. I would like to know the details from the citi bank executive team and also please return back my funds.