23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well- being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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
Product: Debt collection

Again this is an very small vague response from discover as expected, I spoke to XXXX this morning she called me directly from customer care, SHE TOLD ME DISCOVER RECEIVED NEW DOCUMENTS FROM CREDIT AGENCIES, I TOLD XXXX THAT I HAVE SUBMITTED AN NEW FRAUD AFFIDAVIT ISSUED BY XXXX, GOT IT FILLED AND SIGNED BY THE OFFICER OF LAW AT XXXX PD, AND ALSO GOT THE PAPER NOTARIZED BY THE STATE OF CA. SHE TOLD ME THAT SHE WILL START AN NEW INVESTIGATION AND WILL HAVE TO TRANSFER MY CALL TO INVESTIGATIONS TEAM XXXX COMES ON THE PHONE FROM INVESTIGATIONS SAYING THAT HER COLLEAGUE TOLD HER THAT U SUBMITTED NEW PAPER WORK AND NOW THE INVESTIGATION CAN BE STARTED AGAIN I TOLD HIM THAT I MADE SURE THAT THE OFFICER AND ME TOGETHER FILL OUT THE FRAUD AFFADAVIT FORM AND ALSO GET IT NOTARIZED, THE OFFICER REALLY FELT BAD FOR ME TO SEE THE SITUATION I AM IN, I TOLD XXXX THAT MY NEXT STEP IS TO HIRE AN CONSUMER LAWER AND TAKE DISCOVER TO COURT, UPON HEARING THAT HE STATED WORDS LIKE " SURE, YOU ARE WELCOME TOO THAT WILL BE PERFECT!! '' WHEN I TOLD HIM THAT I WILL HAVE TO HIRE AN LAWYER TO DEFEND MY SELF. I TOLD HIM I AM RECORDING THIS AND I WILL PROVIDE THIS TO COURT OF HOW YOU ARE MAKING AN MOCKERY AND FUN OF AN FRAUD VICTIM!!! WOW THESE PEOPLE ARE CRAZY. AFTER HEARING THAT XXXX HUNG UP THE PHONE ON ME AND I COULD NOT EVEN TALK OR SPEAK TO HIM CORRECTLY. THE GUY HUNG UP THE PHONE ON AN FRAUD VICTIM I WOULD LIKE TO STATE THAT XXXX AND THE DEPARTMENT AT DISCOVER THAT HANDLES FRAUD INVESTIGATIONS ARE HEARTLESS PEOPLE! THEY HAVE ONE SIDED JUDGMENTAL PERSONALITY, I HAVE NOW PROVIDED DISCOVER WITH NOTARIZED FRAUD FORMS SIGNED AND DATED BY XXXX PD AND ME. 

NUMBER THAT CALLED ME WAS XXXX MONDAY XX/XX/04 AT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Account Name : XXXX XXXX XXXX To whom it may concern : You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance this is inaccurate reporting and needs to be deleted immediately.

Please mail me a physical copy of my credit report when the above deletion has been executed. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX, / 2021 I have received multi-text from XXXX XXXX and XXXX XXXX XXXX who is Wells Fargo clients. They have given me a death threat to myself, my kids, and my family. They have threatened me that if I don't give them money they will kill my kids and my family. Please someone help me and catch those scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2. It also states a consumer reporting agency can not furnish a 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 then seven years.

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete these accounts
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$300.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, at XXXX XXXX I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.
Product: Money transfer, virtual currency, or money service

During XXXX of XXXX I recieved over XXXX of fradulent charges from crypto.com. I quickly called my bank and since them my bacn has accepted the fraud and close the case with out me knowing. about XXXX weeks ago I wanted to consolitdate my crypto accounts and could not figure out why I could not get my money out from crypto.com. I contacted crypto.com via chat XXXX week ago and have been chatting ever since. I then demanded a manager which who knows whom I was speaking too. at that time they said the same thing they needed a debt cancelation letter covering XXXX all processed on XX/XX/XXXX. That is when I called my bank and they told me there is nothing they can do they closed the case and there is no way they can generate such letter after they accepted the risk and paid me for it. this is a week and a day later today XX/XX/XXXX I txted fine release my funds minus the disputed amount and close my account. I got the same answer provide the letterand they can not assist me further. at this point my account with them is {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
Product: Credit reporting or other personal consumer reports

It appears that the Company Harvard Collection Services , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has thus far refused to remove from my credit report a debt collection attempt by XXXX XXXX XXXX ( a debt collector ). XXXX XXXX XXXX is attempting to collect on a XX/XX/XXXXXXXX account that was fraudulently opened in my name.XX/XX/XXXXXXXX has acknowledged that the debt is fraudulent and is no longer attempting to collect. I have provided Experian with the police report documenting the fraud, the FTC complaint number, and a letter from XX/XX/XXXX acknowledging that the debt is fraudulent and ceasing collection activity. Regardless, Experian has kept the " bad debt '' on my credit report. The results of their investigation continue to be " pending ''. Upon contacting Experian via telephone, I was informed they were in receipt of these documents but there was " nothing that could be done '' about the status of my credit report.
Product: Student loan

I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed that fraudulent charges and ATM withdrawals were made on my EDD Bank of America Pre-Paid Debit Card. Bank of America refuses to properly investigate these charges and/or reimburse me of my missing funds. 

After I noticed the fraudulent charges and suspicious ATM activity on my pre-paid debit card, I immediately called Bank of America and filed a claim to dispute the charges. There were 11 purchases ( {$770.00} ) and 24 suspicious ATM withdrawals ( {$3500.00} ) on my debit card. Not sure of how long Bank of America stored the pictures taken at their ATM locations, I made well aware ( and have continue to do so with every call ) that I wanted to view the photos of the ATM transactions that were in dispute. 

In a letter dated XX/XX/XXXX, I learned that my claim for {$3500.00} had been denied because ( they ) believe the account or the claim ( has ) been the subject of fraud or suspicious activity. During the next two weeks I called repeatedly to BofA prepaid card services and when I did reach a human, they were unable to tell me anything about my claim. 

On XX/XX/XXXX I got on the phone at XXXX XXXX PST and spoke to XXXX XXXX who told me to fax supporting documents including my FTC Identity Theft Report to the Bank of America Pre-paid Claims Investigation Division and express my desire to reopen my claim ( s ). On XX/XX/XXXX, I sent a 13 page fax to the Pre-paid Claims Investigation Division requesting that my claim be reopened. A month went by, and I never heard back from BofA regarding my desire to reopen my claim or even acknowledging receipt of my submission. On XX/XX/XXXX, I called to see if they received my request to reopen my claim. On XX/XX/XXXX, I received a letter stating that Bank of America had completed an additional review of my case and concluded that their original decision was correct and that they now considered the dispute closed. 

I called BofA on XX/XX/XXXX to request a copy of all documents including ATM photos that were used in making their determination. The agent said that I would be receiving a letter within 1 week with instructions on how to go about making an appointment with the local BofA branch to view the photos. One week passed by, and the letter never came so I called them again to follow up. I was simply told that they were backed up and to be patient and give it more time. 

It has been four months since money was stolen from my account. I called the police department to file a report. I filed an Identity Theft Report with the FTC. Ive done everything Bank of America has asked of me. I simply want an honest, thorough, and fair investigation. I simply want resolution. 

REF : claim # XXXX/ claim # XXXX claim # XXXX claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at this address nor does anyone else. This address belongs to a Drs Office Complex. I have called and complained and was told it would be corrected for over a year now ... and here it still sits. I spoke to them on the phone, corrected this on the phone BUT they want ME to send proof of where I live! I told them to send a letter to THAT address ( which is much easier for me ) and to see that it WILL come back to the sender! OR send me a SELF ADDRESSED STAMPED envelope to me! I'm getting really upset that this hasn't been taken care of in over a year!!
Product: Credit reporting or other personal consumer reports

in this account different sections are reporrting inaccurate information with XXXX, XXXX experian attached docs. are showing the inaccurate reporting
Product: Bank account or service

ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.
Product: Debt collection

XXXX ( aka XXXX ) has been repeatedly through hundreds of phone calls been attempting to extort a claimed owing of {$87.00} on a previous account which was closed properly and equipment returned properly. One of several debt collectors, this one called " XXXX XXXX XXXX '' contacted me in XXXX of XXXX regarding the demand for collection of this {$87.00} dollars, to which I responded on their website ( XXXX ) with pictures of the proof of receipts when the equipment was returned ( XX/XX/XXXX ). XXXX XXXX XXXX accepted the documented proof and indicated they were NO LONGER seeking collection on the account and CLOSING their case. 
I received notification on XX/XX/XXXX, by XXXX Credit Bureau, that yet ANOTHER Collection Agency - " Enhanced Recovery Co '', was now going after me for this same amount. XXXX ( aka XXXX ) has ALREADY been thwarted in their continuous attacks and extortion attempts at trying to get me to pay this falsely " owed '' amount of {$87.00}, and are resorting to yet another attempt at damaging my credit, slandering and attacking my character ( as someone who has NEVER, EVER been in a Collections Process ), and continues to harass me with these repeated attempts. XXXX has alerted me that " Enhanced Recovery Co '' has " Flagged my account for Collections ''. This will have DEVASTATING affects on my Credit score, and I will not tolerate this continued attack on me. It is defaming my outstanding credit history, and is embarrassing, slanderous, and makes me liable when presenting myself based on financial stability.
Product: Mortgage

On XX/XX/XXXX applied for a mortgage refinance with rocketmortgage.com and approved on XXXX with a lock rate of 3.375 % plus 0.75 % points. 

By XX/XX/XXXX all required paperwork was completed and we ( wife and I ) were awaiting a closing date, they initially had an anticipated closing date for XX/XX/XXXX. But since then the company has continually missed the lock rate date and reset the closing process further out since the rate had to be recalculated each time. 

In all we were given about six or more more possible closing periods and they missed closing by each one ; about 2 in XXXX, 2 in XXXX, and 2 in XXXX and now they have in the last 3-4 weeks not moved the closing along so missed the lock period for XX/XX/XXXX. 

I have spoken to them by phone, email, message board and online chat over a dozen times now and each time they apologize and say they will get the process issue solved and each time they have not been able to follow thru. 

This has been the worst experience I have ever had during a closing! It appears their hand off between the departments are failing and no one is taking responsibly to fix the process. Today is XX/XX/XXXX and I still have not been given a closing date, even though it been about 10 days since we last was told we should be all set to get a closing date.
Product: Debt collection

original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.