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

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/year> These accounts have resulted fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXX  {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. AXXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXXXXXX XXXX XXXX {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Product: Credit reporting or other personal consumer reports

They can delete it so I don't get it They have not allowed you to open a bank account since 2017
Product: Credit reporting or other personal consumer reports

I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.
Product: Money transfer, virtual currency, or money service

Today is Saturday, XX/XX/2021. 
My current CapitalOne Credit Card Account standings are as follows for account ending in XXXX : Credit limit : {$4500.00} Balanced : - {$6300.00} Past Due : 90 Days Amount Past Due : {$490.00} Credit Used : 139 % These Numbers do not add up. 
139 % of {$4500.00} is {$6200.00}. Yet I owe {$6300.00}, which is more than my allowed ( formerly agreed upon ) limit of credit of what has apparently become 139 % of its original self. 

Furthermore, $ XXXX {$4500.00} = {$4900.00}. 

How do I owe over {$6000.00} with only {$490.00} in accrued past due amount? 

Please help me. 

My account went into collections randomly as well. My card ending in XXXX was immediately allowed its maximum credit limit to be overdrawn to 139 % of its allowance after being filed into collections conveniently timed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : EXXXX XXXX XXXXXXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit card

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Product: Debt collection

On XX/XX/XXXX I received a voice message regarding a formal complaint with their office, if I did not call back XXXX XXXX Florida Court would be contacted. XX/XX/XXXX I returned the call and XXXX at ext. XXXX answered, she stated she was calling from XXXX XXXX on behalf of INSIGHT CAPITAL LLC, in regards to a returned ACH of {$430.00} from XX/XX/XXXX. I requested proof of the original debt, she refused, I requested she communicate with my attorney, she again refused, I stated I had all debts discharged in a Chapter XXXX Bankruptcy 2 years ago. I reviewed my bank statements from XX/XX/XXXX and there is no record of a {$430.00} returned ACH from anyone. She gave me 2 hours to callback and pay in full, only emailed me a settlement payment letter and NO ORIGINAL DEBT DOCUMENTS. I researched INSIGHT CAPITAL LLC, called the number on the internet and the representative stated it was a scam and to report to the FTC.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year> my bank accounts was frozen for garnishing. The amounts was for XXXX from both accounts. Spoke with a speedy cash rep in fraud department XX/XX/year> and she informed that name, address and birthday is incorrect on the original application that was submitted online. She informed a fraud package will be sent out again and will stop the transaction from moving any further. 
On XXXX XXXX I sent in information that was requested to company Speedy Cash for investigation purposes. I was sent a response XX/XX/year> stating all documents have been received that was asked for which included FTC, Police Report and Drivers License. I have not received any updates since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my XXXX and XXXX credit report in the amount of XXXX. I was told to allow XXXX days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal info including SSN, DOB, drivers licensee number and address
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processt was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have Chase account for more than 7 years and I use my debit card with a pin in my purchases, I order a vitamin and pay XXXX with my card and pin that is the only authorized payment. to my surprise this company charges me again XXXX on XX/XX/XXXX and I went to the bank in person and cancel the card, they told me that I am not responsible for the unauthorized transaction, they cancel the card and send me a new one in the mail. 
With the new card, I never order anything else. Chase give me the money back to my account and to my surprise again on XX/XX/XXXX Chase charge me the total amount of the unauthorized transaction of XXXX and they put my account in negative
Product: Credit card or prepaid card

Synchrony is charging incredible interest rates and late charges without a grace period. Late charges on a {$500.00} balance is {$39.00}, therefore it nearly equals my minimum payment due. This late fee is then added to the overall balance owned and interest is compounded daily. A few late payments within a 12 month period adds to the balance owned. My question is this. Why are they adding fees to the actual balance? This seems very unfair and it is designed for Synchrony to generate additional interest income and fees that I consider predatory and unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

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

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Bank of America locked my accounts and proceeded to close them please reference complaint XXXX. They would not provide a valid reason for this action but threatened to have my accounts locked and frozen until my claims were closed. In other words they were wanting me to withdraw my claims to have access to my funds asap. Faced with this problem I proceeded to withdraw my claims to have access to my funds. Numerous times I called the fraud claims department and notified them of police reports pending and asked them how I could submit them, but they just responded to hang on to any evidence until it was requested. This action by Bank of America caused hardship on myself and family, caused me to fall back on my loan payments and has affected my credit worthiness. I am currently seeking legal representation concerning this matter. Thank you for hearing this matter
Product: Credit reporting or other personal consumer reports

I contacted the FTC The attorney general And also the XXXX  This account titled XXXX on my consumer report was acquired threw deception and fraud This account must be blocked immediately in pursuant to section 605b under the FCRA And none of these consumer reporting agencies Have fixed the issues
Product: Credit reporting or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # 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 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: Mortgage

My name is XXXX XXXX. 
I have a mortgage with Wells Fargo, I fell behind in my Mortgage and I sent them in XXXX to catch up, they sent it back to me with XXXX added onto it and said that if I could not pay this they would file foreclosure. since this time they have had some contact with me. but little. my real estate agent and I decided to put it up for short sale, weeks ago. my house is scheduled for forclosure XX/XX/2015. We have called them and have sent them everything they had requested in sufficient time. They will not return phone calls not even emails. and everytime they call they seem to add XXXX more thing that they need. I feel this is bad business. if you need names I can supply them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft been reporting to XXXX, XXXX and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report
Product: Debt collection

I asked them verbally and written notice to provide me with signatures and medical information to determine that the debt was mine. It has been more than 30 days and still no response. I would like for them to remove this collection off my credit please.
Product: Checking or savings account

On XX/XX/2018, my co-account holder, XXXX XXXX, made purchses from our joint Chase Bank Account Number XXXX. These resulted in a temporary overdraft. I was, as usual, working out of state testing railroad tracks. However, per Chase 's policy, XXXX XXXX transferred money from his other Chase account to cover the overdraft, before the XXXXXXXX XXXX. CDT deadline on the same day. Therefore, there should have been NO overdraft fee. However, Chase claims, erroneously, that the transfer happened after XXXX. Several accurate and official timekeeping sources indicated that the transfer was before XXXX. We, therefore believe that this was not a legitimate charge, that somehow, erroneously or deliberately, the timeline was manipulated. This has never happened before, this discrepancy. We beleive that this is in retalition for a complaint already on file with Chase, by XXXX XXXX, for lack of timely refinding of {$310.00} which had been fraudulently charged by a merchant recently.
Product: Vehicle loan or lease

Today I learned that XXXX XXXX XXXX, based in XXXX XXXX charges a daily finance charge of {$5.00} per day the car loan is active. This balance accrues and is assessed in the finance payment each month. If I " pay-ahead '' this fee is paid before the principal balance. 

Upon agreeing to terms, I agreed to pay a certain APR, but I was not made explicitly aware of the {$5.00} daily fee which accrues during the life of the loan. If the average car loan is XXXX months. There are approximately XXXX days in this period of time. Making the daily fee cost consumers {$12000.00} in junk fees.
Product: Debt collection

Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.
Product: Money transfers

i have been dealing with western union, XXXX on line for years and all hae sudden they have banned my name so I can not use the and refuse to tell me the reasonreason why
Product: Credit card or prepaid card

On XX/XX/2022 I went to an XXXX XXXX to purchase a new XXXX  that cost {$1000.00}. I was informed I could make interest-free monthly payments on this purchase by opening an Apple Credit Card to make the purchase. Which sounded good to me. 

So in the store, I applied for and was instantly approved for the Apple Card, but when I went to make the purchase I was informed I could only do so if I was activating the phone in-store. This was not possible because my wife is the account holder on our XXXX XXXX XXXX account and she was not with me at the store. 

Now I was stuck with a new credit card that I was only interested in because of the interest-free payment option. And canceling the card after just applying for it would hurt my credit rating.
Product: Debt collection

The company is repeatedly calling me for a debt that I do not owe. I called in and asked if I owe a debt, they asked for my name, I provided it. The lady on the phone ( her name started with XXXX  ) from Portfolio Recovery Associates said she did not see any debts in my name. I asked her for the information for the debt as it was connected to my phone number, she declined to answer that information. I informed her that now that we know the debt is not owed by me, I WILL not be receiving any more calls from their debt collection agency. She said 'hopefully you won't! '. No, I will NOT be receiving any more calls regarding debt I do not owe. If I receive even one more call, I will reserve my right to reach out to my attorney and sue in XXXX XXXX. It is federal law that you stop calling me once you declare that I do not owe you anything.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed that there are fraudulent accounts.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.