23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently an XXXX XXXX XXXX. Currently reside in XXXX. My personal information such as my social security and state ID were stolen and currently being used to open fraudulent accounts. My social security is being used by an illegal immigrant. Per my request please remove all accounts being reported as late or delinquent on all my credit beaure. All account are listed on the identity report. As this is defamation and of my character and livelihood. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have notified Merchants Adjustment Service that the referenced debt they are attempting to collect is the result of identity theft. I requested proof that the debt is mine, including proof of the identity document ( s ) provided to the original creditor as well as a SIGNED contract of agreement to pay to the original creditor. MAS only provided a printed sheet from their database with generic information. MAS did not provide any proof that the debt belongs to me. MAS did not provide any documentation that the debt was originally mine either. 

I continue to dispute this balance on the claim that it is the result of identity theft. I have attached the FTC Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for any loans with Affirm, Inc. my information was stolen and this account is inaccurately being reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

i received a call on my phone from a person claiming to be from Citi bank fraud department. This individual made inquiries into the charge on my account. This unknow individual was convincing and ultimately was able to convince me that he was going to transfer {>= XXXX} into her account which he gains access to. He then had me transfer through XXXX $ XXXX an outside account. This individual becomes rude after being on the phone for about half hour. I called Citi bank and learned that I was not talking to Citi bank associates but rather had been the victim of a fraud.
Product: Consumer Loan

My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 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.
Product: Debt collection

XXXX XXXX XXXX XXXX According to my credit report, XXXX XXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ). 

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes. 

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file. 

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Product: Debt collection

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear  grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law
Product: Credit reporting or other personal consumer reports

XXXX XXXX has used my credit history and has stopped potential creditors to deny me credit 1681 15 usc
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Co has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I contacted Transunion for the past month to correct my credit file I was told I had a mix file with information belonging to someone and that they would send it to the back office for maintenance and the accounts XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX would all be removed from my file in XXXX hrs as oh XXXX XXXX which its now XXXX XXXX and nothing has be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$380000.00} XXXX XXXX {$1200.00} XXXX Card {$5300.00} XXXX XXXX XXXX {$5200.00} XXXX {$1300.00} XXXX XXXX XXXX {$2000.00} Inquiries : XXXX XXXX XXXX XXXX Please remove addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

Equifax refused to update my credit report and list open account Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Secure LOAN Date opened : XX/XX/year> Open/closed : OPEN Status : OPEN/NEVER LATE Balance : XXXX $ Original Balance : XXXX $ Paid off : 90 % Monthly payment : XXXX $ Terms : 25 MONTHS Responsible : INDIVIDUAL this contributes to me being homeless and unable to get a high paying job because employers run a credit history, I have been denied loans to further my education. EQUIFAX is causing me to have so much pain and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Product: Credit reporting or other personal consumer reports

Account on ChexSystems doesn't belong to me, please see attach FTC Report
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX Inquiry DateXXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Mortgage

I am XXXX years old. I am on a XXXX. My income is approximately XXXX a year and there are XXXX in the household with no other income. I own my home and have for 26 years free and clear. I need a new roof and to have my home painted. I do not have the money for these repairs. I contacted Amerisave Mortgage Corporation on XXXX XXXX about applying for a cash out refinance. I am scared because I need a new roof. I spoke to a representative and suddenly I am in a whirlwind of documents to be initialed while she stays on the telephone. These are documents that no lay person could read that fast or understand all. But, I am scared about needing money for a new roof so I trust the loan specialist. She gave me numbers which were doable but for 30 years so I was trading some debt because I wanted to pay off my credit card debt as well but I felt I was stuck. She said that I had to pay a XXXX application fee upfront. I paid with my credit card but I did not want my credit balance to go up but I did not have XXXX cash on hand. She then said an appraiser would call to schedule an appointment on XX/XX/XXXX. I heard nothing from any appraiser so by XXXX XXXX I became even more worried because I had not heard from the loan officer or anyone. I also did not feel right when I believed I had been pressured into this loan application after some thought. I emailed the loan officer and requested that the application be terminated on XXXX XXXX. I received no reply from her. However, on XXXX XXXX I received an email from the appraiser stating they would call to schedule an appointment. I responded by letting them know I had contacted the loan officer and requested to terminate my application. I have heard nothing back from the loan officer. She kept saying in her emails we must act fast to lock-in the rate and start saving me money. It all went so fast there was no time to think and when someone needs money for a new roof they feel scared and desperate. I want my XXXX back please as this has simply increased my debt burden. After I paid the XXXX on XX/XX/XXXX it was as though most of the communication from the loan officer took a downturn. No true explanation of the process. It was all too fast. I feel it was predatory in nature. Initially, I believed I was being helped but later I realized that I was being pushed. I needed someone to help me so I wanted to believe this was the case but it was not. I sent an email to terminate because I felt if I spoke to anyone I would be pressured. I never heard back regarding my email. I had also added in my email to terminate that as of XXXX XXXX I had not heard from the appraiser even though she had told me I would receive a call by XXXX XXXX. The loan officer never responded to my email or acknowledged it yet the next day on XXXX XXXX I am contacted by the appraisal company. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a dispute that several items on my Experian credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and XXXX 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter ( based on zero evidence ) and they are simply going to ignore my request to investigate ( because this allows them to stall and dodge a rightful complaint from a consumer ). I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Experian simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled to.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXXXXXX , XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX , on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Product: Credit card

CFPB Case # XXXX, XXXX, and XXXX were addressed by Wells Fargo through the attached correspondences XXXX These documents state that in XX/XX/2022, the bank attempted to refund my {$300.00} security deposit, but it was returned undelivered to my online bank account. I have not received any notifications, either through the Wells Fargo app or physical USPS mail, indicating their unsuccessful refund attempts from XX/XX/2022 to the present. 

Subsequently, after I filed a complaint, Wells Fargo conducted an investigation and discovered that my {$300.00} had not been received. They applied this amount to the existing balance of {$610.00}. According to Wells Fargo 's application process, when a security deposit is refunded, it should lead to a transition to a non-secured card with an increased credit limit. However, this transition did not occur in my case. 

Furthermore, upon reviewing the statements provided by Wells Fargo in response to the aforementioned claims, it became evident that my credit limit was initially set at {$300.00}. Only after I contacted Wells Fargo on XX/XX/2022, to request the closure of this account did the balance on the account begin to exceed the {$300.00} limit. Despite my request for the account to be closed, a {$40.00} late fee was assessed on XX/XX/XXXX, and this fee continued to be charged every month thereafter. As a result, there is now a total of {$280.00} in late fees on an account that should have been closed, with my security deposit applied. 

After applying my {$300.00} security deposit, Wells Fargo has reported a remaining balance of {$310.00} to all three credit bureaus without rectifying any of the erroneous fees that were imposed. Upon closer examination of the statements, I also observed that prior to XX/XX/2022, all late fees amounted to {$25.00}. However, following my conversation in XXXX, during which I requested the account 's closure, the late fee increased to {$40.00}. Notably, I never received any communication notifying me of this late fee increase. In addition to this, there are extra fees of {$57.00} being added to the late fees on this account, bringing the total to {$330.00}.