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

Dear CFPB, Experian, Transunion, Equifax I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification for all disputed accounts. This means I expect the credit bureaus and furnishers to provide documented proof that I authorized these accounts. If they can not verify the debts with valid evidencesuch as a signed contract or agreementthe accounts must be permanently removed from my credit file. 

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : 1. Immediate blocking and removal of all fraudulent accounts and inquiries.

2. Debt verification for all disputed accounts.

3. Written confirmation that the fraudulent items have been deleted from my report. 
4. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information.

5. An updated copy of my credit report reflecting these corrections.

I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.
Product: Credit reporting or other personal consumer reports

I have been in pure XXXX due to the fact XXXX XXXXXXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX bankruptcy i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as XXXX left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent XXXX, XXXX and Experian a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, XXXX and Experian need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XX/XX/XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX MCM account Number : XXXX Current Owner : Midland Funding LLC If  any of these are reported on XXXX, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have Midland Funding LLC, XXXX XXXX, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.
Product: Debt collection

I received a debt collection statement from Wakefield & Associates LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called the number XXXX that was on a statement mailed to me and said that I do not know the creditor XXXX XXXX that they are collecting a debt for. They asked me to confirm my address and date of birth. I told them I will give them the address of where this letter was sent to but I dont feel comfortable verifying my date of birth because this sounds like a scam. So the person on the phone said ok thank you, have a good day and hung up on me.
Product: Credit reporting or other personal consumer reports

The reason I am contacting you is because I reviewed my credit report and I had fraudulent accounts.
Product: Money transfer, virtual currency, or money service

Companies involved, pnc bank, XXXX XXXX.. I try to get back into my XXXX account and when I could not, I made a new account with the same email and phone number. Once I was getting ready to link my PNC account back to my new XXXX account.. it said we were no longer able to Link PNC accounts with a XXXX account. How do we fix this problem. My email addrsss is XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, another account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$640.00} account # XXXX, another account XXXX XXXX  opened on XXXX {$290.00}, XXXX XXXX {$420.00} opened XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

Subject : American Express and their debt collection department XXXX XXXX XXXX are not providing the account numbers for my three credit cards. 

Issue : 1 ) American Express removed Auto pay access from the three credit card account.

2 ) American Express & XXXX XXXX XXXX refusing to provide account numbers for my three credit cards. I have the right to know my account numbers.

3 ) The monthly American express statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to American Express on XX/XX/2019 around XXXX XXXX at XXXX and they referred me to debt collection department XXXX XXXX XXXX. American Express representative told me to call at XXXX which is the debt collector XXXX XXXX XXXX. I called XXXX & XXXX and they referred me back to American Express and refused to provide the three account numbers for which debt is owed. XXXX XXXX XXXX said American Express had instructed them not to provide to the customer. I contacted American Express again and this time the representative hang up the call and didn't provide the account number.
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, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/2021 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 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 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: Credit card or prepaid card

Went to XXXX XXXX on vacation for one week, while I was there on XXXX, I went to a fruit market on the side of the road called XXXX XXXX XXXX XXXX XXXX and bought a couple of pieces of fruit. I used my Citibank XXXX XXXX card to purchase what was about {$3.00} of fruit. When I went home I realized on XX/XX/XXXX that my card was charged {$2200.00}. I contacted Citibank and filed a dispute with them, stating that I did not have proof of how much I should have been charged because I did not keep my receipt. I attempted to contact the merchant directly via XXXX and XXXX on XXXX and XX/XX/XXXX respectively but no one ever responded to my messages. Citibank sent a letter on XX/XX/XXXX asking for proof of the transaction. I called Citibank on XX/XX/XXXX to explain that I do not have proof of the transaction and spoke to a supervisor who stated to respond to letter about not having a receipt. I mailed my response on XX/XX/XXXX because I wanted to wait for the merchant to respond. I explained in my letter the situation on how I did not have the receipt and could not get it despite my attempts to reach out to the merchant. It was mailed to be next day delivery. On XX/XX/XXXX I received a letter from Citibank that because I could not provide any proof of the transaction, my dispute is closed and I have to pay the total amount. On XXXX I called Citibank who stated that it was a MasterCard issue regarding the lack of evidence of the transaction and that there was nothing else Citibank could do. On XX/XX/XXXX Citibank was called again for clarification about the issue and that no appeal could be made on the dispute unless proof of transaction was provided.
Product: Debt collection

This account was resolved, but is still on my credit file for XXXX XXXX and XXXX. I already disputed this account more than five times since the account was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Equifax was hacked and did not notify me of the breach until a month later. In a month 's time, an individual with my SSN, and other personal information may have stolen my identity.
I do not understand why they were not fully transparent with this situation. It was reported that this breach may impact me. I would have like to have known way sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that Branch Banking and Trust reported account abuse on XX/XX/2018. The issue is that I have never opened an account with Branch Banking & Trust or BB & T. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

A transfer of approx {$5700.00} was sent from XXXXXXXX XXXX clearly marked to be deposited into an existing retirement cash account at USAA. It never happened. After a month, I requested that the check, which USAA acknowledged they received on or before XX/XX/24, be returned to me at my address on record ( I have been with USAA for over FIFY YEARS ). It was never sent. When I asked XXXX to stop payment on the their check, they found that it had been cashed by USAA. USAA does not know where it went and I have made over a dozen calls to them regarding this. USAA keeps postponing any meaningful response. I have a copy of the cashed check but there is no indication of where the funds actually went.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, then date last active is inaccurate, and date last report is not accurate, This g

round for removal they also violated my rights under 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 that a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? XXXX of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Credit card or prepaid card

I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.
Product: Credit reporting or other personal consumer reports

FNB OMAHA was inquired on XX/XX/2022.
Product: Credit card

I believe the following accounts are invalid. NAVY FEDERAL XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be remove from my credit & their records.NAVY FCU XXXX, NAVY FCU XXXX, NAVY FCU XXXX and NAVY FCU XXXX