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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer report EXPERIAN. 
XXXX XXXXXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent collection on my credit report on XX/XX/XXXX and reached out to the company to have it removed, but was unsuccessful. I contacted Identitytheft.gov in reference to MIDLAND CREDIT MANAGEMENT INC to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting that my mortgage is 2-months past due as of today. However, I have been in direct conversation with XXXX XXXX. It was late in XXXX, but I have confirmed multiple times ( directly with XXXX ), that my mortgage account has been current ( and still is ) since XXXX. I have also contested the status of my mortgage several times with XXXX XXXX, and Trans Union ; but XXXX XXXX continues to confirm the delinquent status to the credit bureaus. So essentially, XXXX XXXX is telling me that my mortgage is current and has been since XXXX, but they are still reporting it as XXXX past due on my credit report. They keep saying they will fix it, but the correction never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX as XX/XX/XXXX and TransUnion as XX/XX/XXXX while XXXX as XX/XX/XXXX. This is an violation by the accounts with XXXX and TransUnion would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a Charge Off but yet XXXX is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a Charge off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX and XXXX and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXXXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

Every month I received a bill from Ocwen for my mortgage. The invoice is incorrect. It is too high. I call Ocwen and they tell me to just pay the amount on the website, the invoice is wrong.
Product: Checking or savings account

I have a XXXX account with Wells Fargo. A XXXX XXXX back I noticed some unauthorized transactions. I called Wells Fargo They put a stop payment order and gave me a new account. 
Since XX/XX/XXXX I received new accounts. 
But unfortunately, unauthorized transactions have not stopped. 
I made several claims to Wells Fargo about the transaction and stop payment for that merchant but they have been unsuccessful in returning our money and stopping the unauthorized transaction from XXXX XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or the list of inquiries 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

USAA refunded a portion of an active automobile insurance policy that I havr paid for in full for a XXXX month duration in order to cover a credit card debt that was about {$500.00}. They provided no warning in advance that they would cancel a contractual and legal automobile policy to satisfy a small debt. I am permanent and totally XXXX as determined by the VA. 

Unknowingly, I was aware that I was without coverage since the close of XXXX, 2022. Should I have been in an accident escorting my pregnant wife and children around everywhere, I would have been without coverage. Was this really worth around a {$500.00} charged off credit card? And, I was given no notice. 

USAA effectively, deliberately, and carelessly endangered my family. I believe they are in violation of several Hawaii Revised Statutes and would have been responsible for the administration of such violations of law for improperly notifying me of any of this and taking such darastic measures. They seemed to have filled my shoes to break the law for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft WFDS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Money transfer, virtual currency, or money service

I am reporting fraud and scam that happened to me 5 weeks ago that Chase mistakenly deny my fraudulent claim. 

On XX/XX/XXXX at XXXX, I received a text message stated I sent money to " XXXX XXXX XXXX XXXX. I was confused because I didnt know who is " XXXX '' nor I didnt send the money myself. I immediately logged into my Chase account and {$1900.00} was sent to XXXX. I call Chase fraud department immediately and file a fraud claim around XXXX. The customer services assist me to lock both of my XXXX account and my credit cards. Meanwhile, the specialists told me it would take a month to investigate. 

On XX/XX/XXXX, again, I received a text message stated I sent {$2000.00} to " XXXX ''. I panicked when I received this text message because someone was accessing my account again! Fortunately, since my XXXX account was locked, the transaction to XXXX was unsuccessful. I didnt lost any money. 

2days later on XX/XX/XXXX, same thing happened again. But this time {$1600.00} tried to send to " XXXX ''. And the transaction was rejected as my account was locked. 

I have been very patience while waiting for Chase to handle this issue. I tried to call between XX/XX/XXXX - XX/XX/XXXX as I was trying to get an update from Chase. However, I wasn't able to reach customer services. 

Until today on XX/XX/XXXX, I reached customer support yet told me my fraudulent claim was denied. 

Something wrong in my account and it is a mistake that Chase deny my fraudulent claim. Here 's are the reasons why : 1. The rejected transaction to " XXXX '' and " XXXX '' proves someone was able to access my account. I wouldn't use XXXX to send money if I know my account is locked. ( Please refer to Attachment 1 : Fraud ) 2. I changed all my log in information as chase suggested. I also rebooted my computer. In addition, I also transfer most of my money out to a different bank. 
3. All of these proves Its definitely someone hacked my account to send money to XXXX. I couldnt prevent it because it is their first attempts to steal money from me. But I did my best to report to Chase Fraudulent department when the transaction is still pending. 
4. All of my previous XXXX transaction are less than {$200.00}. When I send money, I have a habit to write a note and description to state what is the money for. But the transaction to " XXXX '', " XXXX '', and " XXXX '' exceeds a thousands dollars and never leave a note to state what is it for. Those transactions are suspicious! ( Please refer to Attachment 2 : Money sent Overview ). 

In conclusion, It is a mistake that Chase deny my {$1900.00} fraudulent claim to XXXX. 

Thank you for your time for reading this. Don't hesitate to let me know if I can provide any additional information. 

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

I sent a letter on XX/XX/XXXX, to Transunion to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Av XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX Av XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an account with XXXX XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates XXXX XXXX XXXX. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and XXXX concerns.
Product: Credit reporting or other personal consumer reports

XXXX : Debt Validation Request** To Whom It May Concern, I am writing regarding an account, which XXXX XXXX XXXXXXXX has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that XXXX XXXX XXXX has the legal right to collect this debt.

Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me.

2. **Proof of Ownership** The purchase agreement between XXXXXXXX XXXX and XXXX XXXX XXXX XXXX 
3. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied.

4. **Proof of Licensing** Verification that XXXX XXXX Management is licensed to collect debts in my state ( California ) XXXX 

This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX store card belonged to my wife who passed away in XXXX and the card kept being charged. I tried to have the card stopped and report this but they ignored me. Not only did I lose a ton of money while still working during COVID but I was hit by a car while at work on XX/XX/XXXX and I am totally XXXX per XXXX. This should NOT be on my credit and I should not be responsible for this charge as many others that happened due to my wife 's account being stolen after her death  and illness.
Product: Student loan

Arete Financial Freedom is being sued by the Federal Trade Commission. I was a client of theirs. They promised to lower my student loan payment after I pay an upfront amount of {$750.00} paid in first three months of contract and then a monthly payment of {$29.00} since XX/XX/XXXX. To today 's date, XX/XX/XXXX I have paid this company {$1500.00}, all of which I thought was going toward my grand total of student loans of when I signed with this company, {$9000.00}. After receiving an email of this company being sued by the FTC, I checked my loan statuses. The total amount of my loans is now {$9600.00} with the interest it has been accruing from the non payments. So, the company put XXXX money toward my loans and I am now penalized.
Product: Checking or savings account

I RECIEVED MY SSI ON MONDAY XX/XX/XXXX THE AMOUNT XXXX. ON TUESDAY XX/XX/XXXX I GOT MY OTHER XXXX CHECK THE AMOUNT XXXX XXXX. ON WEDNESDAY XX/XX/XXXX I ASKED CHIME SUPPORT HOW TO TRANSFER XXXX TO MY XXXX ACCT WHICH I DID TRANSFER. I WAS WAITING FOR MY DEBIT CARD FROM CHIME TO COME IN THE MAIL. THAT LEFT XXXX IN MY CHIME ACCT. WHEN I GOT UP ON THE MORNING OF XX/XX/XXXX ALL MY MONEY WAS GONE EXCEPT FOR XXXX. WHEN I LOOKED AT MY STATEMENT ONLINE XXXX AND XXXX TAKEN BY $ XXXX AND XXXX XXXX TAKEN BY $ XXXX XXXX DO NOT KNOW THESE PEOPLE. IM OVER XXXX AND LIVE ON XXXX AND I WOULD NEVER EVER GIVE ALL MY MONEY PEOPLE I DONT KNOW. I REPORTED THE FRAUD RIGHT AWAY AND WAS TOLD I MADE THOSE TRANSACTION WHICH I MOST CERTAINLY DIDNT. I EVEN WROTE A STATEMENT TO CHIME AND UPLOAD IT TO THEM. I HAVE CALLED CHIME NUMEROUS TIMES WITHOUT RESULTS THEY REFUSE TO INVESTIGATE THE FRAUD. NUMEROUS I HAVE BEEN HUNG UP ON BY CHIME SUPPORT. IM BEYOND ANGRY AND UPSET. I WANT MY MONEY BACK.
Product: Debt collection

I had a bussiness credit line credit card since approx XXXX  it was a continual line of credit. 
For all those years I made payments monthly. During the pandemic I was unable to make payments due to business being shut down and rent moratorium A large amount of my income is from the XXXX. I finally got business up and had a few escrow closings but I still had to pay my agents who did the transactions. I also after over two years I received some not all of the rent moratorium funds. As soon as the funds were in the account and I was going to pay some of the debts over the pandemic time without any type of written notice that I need to pay payments now they went into my acount and withdrew most of the mmoney. They never told me even after they froze the accounts I found out on my own when tried to make house payments to bring house current so doesn't go into foreclosure. Wells Fargo just says they can do it and too bad. All over their web sites they say how they will help businesses. This was the low of the low as far as I am concerned Also the representative says I still owe {$8000.00} and if I don't pay monthly they will report and damage my credit. I never got any further information in writting of the payments and where or how they need to be made. All she said was pay to me. 

You for your assistance
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.