23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a victim of identity theft. Early warning allowed the bank institution to report false information on my file.
Product: Credit card

In XX/XX/XXXX, I discovered that purchases were made in XXXX that I was not aware of. I pay this card off as soon as I use it and therefore did not make any payments in XXXX because I did not use it. 
I spoke with an agent. We reported a fraud report, canceled the card, and the owed amount was brought back to XXXX. 
They still have it on my credit report. I disputed it and it is still on the report. 
I need this fraud record off my report please. 
Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opend by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00}
Product: Debt collection

This company is Affirm. When i lost my job i called them right away. They said they will work with me. Well they didnt. They tried overdrafting my account multiple times for more than the payment so i had to turn off my card. I explained to them if they can do a smaller payment to help me out. They didnt. They wanted all of it now or inwould be sued and arrested. I fell ill and i gave my brother my phone to handle everything. My brother spoke to them and they told him they would help but they never sent him any information. They call my phone up to 20 times a day. When my brother calls them back he explains to them that since they have cintinued to harrass me that he is filing complaints and speaking to his lawyer. He told them tbat they are harrassing with all the phone calls and to atop calling. They still continue to call. I have taken screenshots of everything. If needed i can take screenshots from the past 30 days of both numbers they call from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX Inquiry Date XXXX/XXXX/2022 XXXX Inquiry Date XXXX/XXXX/2022 XXXX Inquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed I have 2 inquiries that don't belong to me. I reached out to Equifax to have them removed. I also filed an FTC report and Equifax has not removed the inquiries.
Product: Credit reporting or other personal consumer reports

I viewed a copy of my consumer report and noticed unauthorized accounts and unauthorized inquiries I didn't authorize. MY SOCIAL SECURITY HAS BEEN COMPROMISED. I FILED A IDENTITY THEFT REPORT # DELETE UNAUTHORIZE AND FRAUDULENT ACCOUNTS AS MY CREDIT IS VITAL TO MY LIVELIHOOD- THIS IS MAKING ME VERY SICK AND STRESS.I HAVE TO TAKE MEDICINE. ALL OF THESE ARE UNAUTHORIZE SEE ATTACHED OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CRA violation no knowledge inaccurate accounts on my Equifax credit report. FTC ID Theft report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer AES. AES apparently at some point, awarded the debt to XXXX XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that AES or XXXX XXXX provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX below.
Product: Debt collection

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Account name : PORTFOLIO RC Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$150.00} Balance updated XX/XX/XXXX Original balance {$150.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Dispute resolved ; customer disagrees Your statement - Contact info Name PORTFOLIO RECOVERY Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I booked a family vacation with XXXX  online travel agency. Two reservations were booked for a party of XXXX. The first group consisted of XXXX people and the second group consisted of XXXX people. I opted to use their Pay Delay payment plan option and made the initial deposits on XX/XX/XXXX in the amount of {$590.00} for group 1 and {$190.00} for group 2. The final automatic debit payment was completed on XX/XX/XXXX. My family and I were scheduled to travel on XX/XX/XXXX, to XXXX XXXX, XXXX returning to XXXX, New York on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the travel agency to find out what next steps to take ; I spoke to a representative who informed me to contact the airline and resort. The phone lines were inundated with travelers calling about their canceled trips. I finally got in contact with the resort in XXXX XXXX, XXXX, and was informed our reservation was not paid by XXXX. When I attempted to contact XXXX for a refund they were no longer in service and they posted a notice on their website. XXXX abruptly closed and disconnected their phone lines making communication impossible. 

I did not know how to proceed until I discovered a XXXX group with other members that scammed like myself. I filed a police report with the XXXX XXXX Police Department ( XX/XX/XXXX ), complaints with XXXX  compliant form ( XX/XX/XXXX ), Florida Attorney General ( XX/XX/XXXX ), and NY Attorney General ( XX/XX/XXXX ). I also contacted Chase Bank on XX/XX/XXXX to report services not rendered. I was issued a temporary refund of the total amount of {$6700.00} while they conduct an investigation. Today, XX/XX/XXXX the temporary refund was reversed. I contacted the bank to inquire about the decision made and they informed me that the 120 days timeframe to dispute a debit card claim expired. I am extremely devasted by the entire situation and by my banking institution. The actions taken by XXXX  is unjust and has hurt many families financially. I ask for your assistance in this matter. 

Attachments : Copies of the initial deposits for the Pay Delay payment plan, proof of successfully completing payments, and the notice of temporary refund from the bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX acct # XXXX 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: Mortgage

Payment Errors : Your company did not properly credit 2 separate payments that I made on XX/XX/2021 in the amounts of {$1100.00} and {$2900.00}. These payments should have been credited to : o The {$1100.00} should have been credited to a shortage that was needed to ensure payments would not be increased. 
o The {$2900.00} should have been credited to XX/XX/2021 mortgage payment Instead you improperly combined these two separate checks which were labeled for their intended purpose to : XX/XX/2021 mortgage payment of {$3100.00} on XX/XX/2021 A payment of {$45.00} for XX/XX/2021 {$820.00} Principal Curtailment or extra principal payment Your company did not properly credit the payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Instead, you incorrectly for a month inaccurately showed that the XX/XX/2021 payment I sent was applied on XX/XX/2021, why was this applied so late. 
o Then on XX/XX/XXXX you applied an erroneous Principal Curtailment or Principal payment of {$4100.00} that we never even made. 
On XX/XX/2021 we received a letter from our bank letting us know that the XX/XX/XXXX Check was never even cashed. 
Your company did not properly credit the payment I made on XX/XX/2021 of {$3000.00} o Instead you applied it to the XX/XX/2021 payment Your company rejected the full payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Your company sent back my cashiers check saying that it wasnt signed. 
To my knowledge and as with the other checks you do not need to sign. 

Fee Errors : Your company incorrectly imposed several late fees on us due to all these errors, this needs to be fixed
Product: Credit reporting or other personal consumer reports

The account was not over 30 days late. This has been confirmed by Affirm. The account is confirmed closed and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I filed CFPB XXXX against Carrington MS . They agreed that they made a clerical error by stating on my credit reports, from the credit bureaus, that my account # XXXX was in a XXXX bankruptcy. They said that they would correct this with the credit bureaus. I recently applied for a home loan with XXXX XXXX, the report that they sent me shows that Carrington hasn't removed this information. I called Carrington XX/XX/XXXX and spoke with a rep that stated that the information about the bankruptcy was verified and correct. I explained to him that it was wrong and should be corrected. He refused to remove it or investigate further. This would place Carrington MS in violation of the FCRA.
Product: Vehicle loan or lease

I had filed bankruptcy and the company is still reporting this on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts are as follows, XXXX ProgressTSYSVT on XXXX account # XXXX, XXXX Bank on XXXX account # XXXX, Web Bank-Fingerhut on XXXX account # XXXX, Arm on XXXX # account XXXX, Arm on XXXX account # XXXX, Arm on XXXX account # XXXX, XXXX XXXX bank XXXX XXXX XXXX Account # XXXX, XXXX on XXXX # account XXXX XXXX  on XXXX account # XXXX. These accounts have resulted in several fraudulent inquiries, collections, and charge offs appearing on my XXXX report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is myXX/XX/XXXX letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally As per the fair credit reporting act section 609 They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

This account does not belong to me as you will see below the other two bureaus have already removed this inaccurate account from my credit report.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. This account is erroneous and is negatively impacting my credit score and financial standing.I request that you investigate this matter promptly and remove the disputed account from my Experian credit report. Additionally, please provide me with written documentation of the results of your investigation, including any corrections made to my credit report. Enclosed are copies of documents supporting my dispute. According to the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. I kindly request that you expedite this process to ensure timely resolution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Bank of Transworld Systems Department, I am writing to formally request validation of an alleged debt associated with the account referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I received a notice claiming that I owe a debt to Transworld Systems 1, and I am exercising my right to verify this debts legitimacy. 
Please provide all of the following documentation to validate this debt : XXXX. XXXX of the amount of debt : An itemized statement explaining the full amount owed, including any accrued interest, fees, or charges. 
XXXX. Proof of ownership : Documentation showing thaXXXX XXXX XXXX XXXX has the legal right to collect on this debt. 
XXXX. Original agreement or contract : A copy of the signed agreement or original contract with my signature evidencing that I agreed to the debt in question. 
XXXX. Payment history : Detailed records of any payments applied to this account, showing how the balance was calculated. 
Until I receive this documentation, I respectfully request that all collection activities, including credit reporting, cease. Please send all requested information to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days. 
Sincerely, [ Your Signature ] XXXX XXXX [ Date ]
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 

1. XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 4/ XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5.  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) 5.XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had my identity stolen, and a XXXX credit card for XXXX dollars was open in my name and used. the credit card company took away the card but it is still on my credit report and would like it removed because it was fraud.
Product: Debt collection

On XX/XX/XXXX, a letter was sent to Diversified Adjustment Service , Inc and a letter was sent in return but Several things that were requested were not included, which leads me to believe they don't have all of the necessary information that I have requested. According to the FDCPA guidelines, they have a duty to provide this information. 

*Creditors full name and address ( address was not provided ) *Full account number was not provided *Final bill date was listed but no DUE DATE was provided *No Explanation provided of how the debt was calculated *Did not provide agreement between them and the original creditor, also did not provide evidence of a contract between XXXX XXXX XXXX and I, just a paper that a XXXX XXXX XXXX could conjure up. 

The letter they sent out blatantly ignored my requests. You can not collect on a debt that you have not properly and legally validated. I will be reaching out to XXXX XXXX XXXX  directly and will also be reaching out to my state 's attorney general on this matter. 

Also before providing this information they had called me several times, another FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerihome mortgage states were not current from XX/XX/XXXX to XX/XX/XXXX. When we in fact caught we were making our mortgage payment plus extra to catch it up, caught it up completely in XXXX. They never reported any of that or comment that we were working on it. Then they sold our account to XXXX  and they havent reported that they even have the account or that we've been making out payments and are current.