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

I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney.

My money was wired from my XXXX XXXX XXXXXXXX checking account. The receiving bank is Truist Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. 

I know my money is frozen at Truist Bank, but neither bank will cooperate in returning my money. Truist is holding my money XXXX and XXXX XXXX  XXXX continues to XXXX to me every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The XXXX and TransUnion bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX CARD XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

O n  X/XX/2017    I made  a deposit in the amount of {$5000.00} to my  Chase c hecking account by filling in a deposit slip. The teller handed me a receipt and I left the Bank. Today,     X/XX/2017    I notice d the fund was not in my account.   I visited the Chase Bank and after talking to a teller and her supervisor, I was told the teller had inputted the wrong account number for the deposit. Also I was told that normally it takes a week to correct the mistake, but they will try to correct it in 2 days,  ( it sounded lik e they are doing me a favor ). Fortunately, at this time, I can wait 2 days for the funds to be available. The mistake should not have happened and Chase Bank should have corrected the problem right away. Chase Bank should be held responsible for its mistake.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card with XXXX XXXX and was informed that i was denied a credit card ( with XXXX ) because my credit score was bad- and that i had delinquent payments on credit cards. I knew that this was not the case because i am very diligent of my finances, and have more than enough cash at hand. 

Upon arriving back from my vacation on XX/XX/XXXX, I looked into my credit report with XXXX XXXX ( my bank ) and realized that i was a victim of Identity Fraud with 2 fraudulent activities. 

1. TD BANK credit card opened under my name in XX/XX/2022 XXXX. Line of Credit with XXXX XXXX which i never requested to have. 

I am currently in the process of rectifying all these false charges and contacting the 3 credit agencies to figure out how to rectify these matters. As i have never had to go through identity theft before. Please Help me rectify these false charges and fix my credit score. 

thank you XXXX XXXX XXXX
Product: Consumer Loan

XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be six months delinquent so my first delinquency would be in XXXX of 2009 and if I was six months behind on a car lease GMAC would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because GMAC is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to XXXX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into GMAC or it would be seven years from my first delinquency
Product: Debt collection

This is a Discover credit card debt. XX/XX/XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my Discover card was paid on time. 
Discover Card debit was turned over to XXXX XXXX XXXX XXXX XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. Mid XX/XX/XXXX we  looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) DISCOVER BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXX Balance Owed : {$47000.00}
Product: Debt collection

Statement from " Ability Recovery Services LLC '' Reference # : XXXX University Total : $ XXXX States they must commence the collection process because I have failed to respond to previous correspondence on the above identified account. 

*There is no way I owe XXXX to XXXX, but wow ... if they would like to offer that amount to me that would be great.
Product: Credit card or prepaid card

I opened a XXXX America Express card on XX/XX/XXXXwith a bonus offer to receive XXXX  XXXX points after spending {$3000.00} in the first three months. I reached my required spend on XX/XX/XXXX.

As of XX/XX/XXXX I have not received my bonus points. I have called American Express 5 times, on XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ). Each person verified that I had met the required spend to earn the bonus and that it was being looked into, forwarded to marketing, escalated as a high priority ticket but have not been credited my points.

Complaint number : XXXX  Member # XXXX
Product: Debt collection

My Student Loan was disbursed in XXXX  for XX/XX/XXXX	Disbursement $XXXX It is now XXXX  I've paid the amount of $XXXX and they are still saying that I owe $XXXX due to interest. I dont think that this make any since and I think that Navient has scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file ( mail ) a dispute with Transunion & XXXX pretending to XXXX XXXX XXXX on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''
Product: Credit reporting or other personal consumer reports

i have multiple charge off on my account according to the law you can only charge off my account once.not every month and the account is closed there are multiple charge offs on this account which is illegal
Product: Debt collection

On XX/XX/XXXX or XXXX I received a call from Medical Data Sys. stating I owe X dollars for hospital visits in 2021. I mentioned over the phone that I wanted to validate the debt first and I told them I asked or mentioned that I wanted to dispute. The lady I spoke to that day said she can send me something to assist me in validation process. On or around XX/XX/XXXX I sent a letter stating I dispute the debt and requested validation to medical data systems. On or around XX/XX/XXXX I received a letter and an itemized bill from MDS for two hospital visits. MDS received my request/dispute letter around that same time. On XX/XX/XXXX, I called MDS to make sure they received the letter that I sent, I believe I spoke to XXXX, she mentioned that she can not discuss the issue due to the fact that the account was in dispute. I requested a supervisor or manager and they werent available. So she said she will have a supervisor call me at their earliest convenience. On or around XX/XX/XXXX I got to talk to a supervisor who mentioned they MDS is only able to send validations twice for one account and as a courtesy of them not sending all the information requested/ needed for me to validate the item on my credit report that she would delete the item. So I allowed 45 days to pass and I checked my report again on XX/XX/XXXX, and the item was still there. Again I called on XX/XX/XXXX to inquire why the items were still there and now this supervisor XXXX said things to contradict the supervisor I previously spoke to.
Product: Debt collection

The name of the company is Vancehuffman. The account was opened XX/XX/2020. The balance they are requesting is {$3000.00}. I have contacted this company by mail and phone complaining that this account isn't mine and to remove it from all my credit profiles immediately. The representatives are extremely rude and they will not send me substantial verification of this account. I have been harassed by countless phone calls from bots also. The last time I contacted them via phone, a manager told me " If I want this to go away I would need to pay and stop complaining ''. Very unprofessional! I have a right to dispute this debt and I will continue to do so.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my My personal information was exposed in several data breaches as well. I nave no recollection or applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got an email from XXXX stating that I could apply to an Apple Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my XXXX by Apple. They refuse to do so. 
This is misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 I informed The consumer reporting agencies, Transunion, XXXX, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit card or prepaid card

BANK OF AMERICA CREDIT CARD CLOSED BOTH MY CARD ACCOUNTS DUE TO SSN BEING " DUPLICATE '' THEY SENT ME ONE FORM OF WHICH I FILLED OUT AND RETURNED, HOWEVER, B OF A CLOSED MY ACCOUNT ANYWAY AND DIDNT EVEN INFORM ME, I WAS NOTIFIED BY MY CREDIT MONITORING SERVICE. WHEN I REACHED OUT TO BANK OF AMERICA TO GET THIS RESOLVED, I WAS TREATED RUDLY BY THE TEAM MEMBERS AND HUNG UP ON XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Months ago i found out my personal information was leaked due to a breach. I have discovered fraudulent accounts in the past. Now i am discovering fraudulent inquiries on my report. There are XXXX inquires that i never initiated. I am grateful that they are only inquiries and not accounts with a fraudulent balance. Lets begin with the XXXX. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. I have submitted a Identity Theft report and now following the recovery plan.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX