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 that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing a " 30 day '' late payment in XX/XX/2022 from Elan Financial Services. The payment in question was due on XX/XX/2022 and paid on XX/XX/2022. 

This payment was 17 days late, not 30 days late. This derogatory record needs to be removed from my reports, as it cost me XXXX points on my XXXX  score. 

On XX/XX/2022 I submitted a dispute through XXXX and XXXX. Elan verified to both of XXXX and XXXX that the " 30 day '' late payment was correctly reported. It is not correctly reported. Elan has, in violation of the FCRA, verified false information to the CRAs.
Product: Checking or savings account

XX/XX/XXXX, I received a check in the amount of {$12000.00} from the XXXX XXXX  XXXX as a widow 's benefit payment after my husband passed in XX/XX/XXXX. The check was drawn on a Fifth Third account. I opened an account online, depositing {$100.00} into checking from another bank via debit card - savings would be funded when the check was cashed. XX/XX/XXXX, I went to the Fifth Third location on XXXX in XXXX to cash the check, subsequently receiving {$10000.00} cash and depositing {$2000.00} into savings. A few weeks later, I received a letter stating the account was locked. I had not used the account in any way at this point. I called in and spoke to XXXX who advised that they needed 2 forms of photo ID and utility bills to verify my address. I advised her, I only had my state ID, no other ID but would bring other information ( voter 's registration, husband 's death certificate, etc ). The financial advisor sent in the documents to a 'fraud ' department. Because of the hassle, I told them I was ok with them just closing the account and getting my funds back. I was advised it would take one month to return the {$2100.00} I had deposited. In XXXX, I phoned in to customer service advised the account would close on the XXXX and my funds would be sent by the end of XXXX. XX/XX/XXXX I called in and was told they could not verify the check that I cashed and would not release my funds. These are insurance benefits sent by a MUNICIPALITY ( XXXX XXXX  XXXX XXXX and the check was a Fifth Third check. I went in to the branch on XX/XX/XXXX and was helped by XXXX. She verified my documents and advised 'fraud ' that the check had cleared and my funds should be released. 'Fraud ' stated they needed more information about the check and would not release my funds. The XXXX XXXX  XXXX provided a copy of the cleared and endorsed check yet the funds have not been released. I need a HUMAN person to review what has happened on this account and assist me. I am in desperate need of those insurance funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sent XXXX XXXX XXXX {$2500.00} to assist me with maintaining my home and instead, I lost it and XXXX XXXX XXXX took my money. Nobody ever sent me anything even though it was a giant scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX HM MORTGAGE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not XXXX XXXX. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( ACTIVATED RESV ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Mortgage

I pay additional money each month to mortgage servicer to pay insurance and property taxes. On XX/XX/year> I received notice from the county tax collector that the property taxes are past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert on my credit report from XXXX showing an " unauthorized inquiry '' from Check Into Cash. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted XXXX, XXXX and XXXX but XXXX was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to XXXX which included a 5 page notarized affadavit and a letter to XXXX Consumer Contact XXXX  XXXX XXXX XXXX, PA XXXX the US Post office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with Check Into Cash I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND CHECK INTO CASH CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT CHECK INTO CASH HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 CHECK INTO CASH MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.
Product: Checking or savings account

Since XX/XX/scrub>XXXX XXXX XXXX  Ally Bank has continued to mishandled my dispute with a merchant that is never ending. Today they deposited {$98.00} confirming the dispute in my favor but did not complete the rest for another {$1900.00}. I have been waiting almost 5 months after I was told 90 days and NOW they are trying to tell me to start over and wait another 90 days. They have mishandled and demonstrated extreme negligence.
Product: Money transfer, virtual currency, or money service

Paypal closed my account and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be.I have not been able to get help from them for over 6 months but I just remembered I could file a report on here as I feel they are not doing there job properly and its effecting me a great deal
Product: Debt collection

XXXX XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.
Product: Credit reporting or other personal consumer reports

Early warning services Located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in an attempt to continuously deny my federally protected RIGHT to opt out, Has completely ignored my demand to uphold my federally protected rights. FCRA section 604 ( e ) ( 1 ) ( 2 ) states A consumer may elect to have the consumers name excluded from ANY list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer by notifying the agency that the consumer does not consent to any use of a consumer report relating the consumer in connection with credit or insurance transaction that is not initiated by the consumer, in which Ive made several attempts to do so via phone calls and CFPB complaints. Then I was sent a letter stating the cant allow me to opt out per FCRA 603 ( x ), this ONLY states the nature of the reporting agency but and their purpose, there are no statements in ANY of these sections that would make Early warning services exempt from federal law. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. Per FCRA 604 ( 2 ) Permissible Purpose ; FCRA 604 ( 2 ) states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. Except as otherwise provided in 15 USC 6802 afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of 15 USC 6803. ( B ) Theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. No such disclosure agreements exist. These are just two of the federal violations that Early warning services continues to rectify. This will be my last complaint to the CFPB I am willing to go to the FTC as well as file a lawsuit for infringing on me federally protected consumer rights as explained within the FCRA and as well as the US code. Two very serious federal violations and no remedy due to the lack of respect for the federal law as I see it. Please correct the violations in a prompt and timely manner. 
Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in XXXX are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe XXXX result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Debt collection

I hope this message finds you well. I am reaching out regarding the account referenced under XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting a copy of the original signed contract or agreement that verifies the validity of the debt you are attempting to collect. 

If you are unable to provide this documentation, I kindly request that the account be removed from my credit report and that any collection activity related to this account cease immediately. 

Please confirm receipt of this request and provide a response at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Bank account or service

I was just charged XXXX more NSF fees from my bank. I specially got a cash advance to cover any debits When I checked my account on XX/XX/XXXX all my charges were still showing pending. I am not sure what time in their system items posts. I am not sure if they are posting those items even before the merchant requests payment. They are paying the smaller items first than the larger one, so instead getting XXXX fee you get several. I was charged {$140.00} in fees which is all the money I have. I can not even put gas in my car to get to work or buy food because the deposit I made missed. I just paid {$580.00} dollars in fees two weeks ago, which I did not dispute. My whole payroll check went to paying fees, I could not pay XXXX bill. If I request to have them waived, they do not care because I have had other fees waived and if it was not a bank error.
Product: Vehicle loan or lease

During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval. 
My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by phone regarding the following collections accounts that don't belong to me : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX They told me to file a police report, FTC identity theft report, Attach Driver license and to upload that information on their website. I followed their instructions as they told me and they concluded the investigation in less than 1 day on their favor. So my question is " Is Experian doing a proper investigation to determine and validate that those accounts don't belong to me? ''
Product: Credit reporting or other personal consumer reports

Fraudulent accounts : XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. 
Opened XX/XX/XXXX {$130.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C . 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

I tried to open a checking and saving account with XXXX XXXX XXXX XXXX and was denied. The reason I was told n shown in the denial letter is derogatory information about me on my credit report from Chex system. I contacted Chex systems as told my XXXX. I was informed there is no derogatory information on my credit report/file and they are not reporting any on my report either. Went back to XXXX, informed them and they told me the same thing, refusing to call or checking with Chexs system to validate the information. Chexs system also sent a copy of my credit report proving there is nothing derogatory I brought this report in branch to show XXXX and I was told the credit report directly from Chexs system was not sufficient proof. Im not sure if Im being discriminated against or being singled out. I went the extra mile to show XXXX that their information is incorrect and was kindly asking them to validate, which they refused. Why is XXXX saying both myself and Chexs system are lying or why r they lying to me that Chexs system is saying/reporting that I have derogatory information on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX VICTIMS.