23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$41.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX EQUIFAX : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} - XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$5100.00} XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

On XX/XX/2018 @ XXXX PST I was contacted by XXXX XXXX XXXX ( XXXX ) XXXX with US Collections West. XXXX XXXX stated that I owed $ XXXX for an unknown debt and that I had a judgment against me and that I needed to set up a payment arraignment. I requested a debt validation and was told by XXXX XXXX that he and the company he represents did not have to provide that to me and which I refuted based on my understand of the FCRA requirements. I told him that I have no knowledge of what he's talking about and that I would like written validation to be sent to me of this debt. Again I was told that I didn't have a right to that, while he implied that my living in Arizona at one point was all the proof that he needed. That I was going to be garnished and that they would continue to come after me for the next 10 years until US Collections West received $ XXXX. He then hung up on me and my subsequent attempts to request a debt validation were refused and I had the phone hung up on in my face.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : INQUIRIES NAME AND DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX 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

On XXXX I mailed a dispute letter disputing inaccurate accounts that have been involved in identity theft that are still showing on my credit report. I never received a response and has been well over 60 days. Therefore, I submitted a complaint on XXXX with all of the documents I mailed on XXXX and EQUIFAX replied saying they needed legible identification to proceed. This is a stall tactic for them to not follow federal law because I submitted legible identification which was my DRIVERS LICENSE, SOCIAL SECURITY CARD, and a utility bill that has my current address. I am submitting the complaint again because they are infringing on my consumer rights!
Product: Credit card

I was approved for a Barclays Master card on XXXX/XXXX/16 with a XXXX credit limit. on XXXX/XXXX/16 I made a payment by money order in the amount of XXXX on my account parital payment. On XXXX/XXXX/16 I went to check my account only to find out that Barclays had closed my account. I call customer service to ask why my account was close and was told that they pulled my credit report and closed my account. That does not make sense since I have just open this account on XXXX/XXXX/16 and just made a payment of XXXX on XXXX/XXXX/16 when my first due date is XXXX/XXXX/16 also they pulled my credit report and approved me. I believe that I am being disccrimated against because I am a minority Barclays bank do not approve many minoritys for credit when you look at there history. They need to be investagted for unfair business practices
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a hardship through the XXXX XXXX portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not XXXX  days late and thought everything was XXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on XXXX and XXXX for XX/XX/XXXX and Equifax was showing a XXXX  day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact XXXX XXXX about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that XXXX XXXX has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.
Product: Checking or savings account

Sunday, XX/XX/XXXX - Call # 1 : I called the Citi Bank customer service number to get help with a wire transfer that I needed to make on Monday, XX/XX/XXXX for my house closing. There is a $ XXXX limit on wire transfers for my type of account, so I asked to escalated to a supervisor for help in getting this resolved ahead of my home closing as I needed to make a transfer of $ XXXX for the closing and all of the money for the closing is in my Citi savings account. I got transferred to a supervisor who said he would escalate to get my account looked at so that the amount could be increased ; he placed me on hold while he did this and after 5-10 minutes I was transferred to someone else. This new customer service rep informed me that I had been kicked back to the beginning queue and she had no idea what my call was about, so I explained again what I was trying to do. She informed me at that point that my account was under review and someone would call me within 30 - 60 minutes. 

Call # 2 : After an hour of no call, I called the customer service line back to inquire if simply updating my account to a different type that had no wire limits would resolve my problem and was then told my account had been flagged for fraud and was under a 24-48 hour review and all transactions on my account were frozen. I asked why it was placed on this review and they said because a man had called and requested a withdrawal amount increase. I informed the person on the phone that it wasn't a man, it was me who had called and he refused to help saying nothing could be done with the account being under review. I asked that it be taken off review because it wasn't fraudulent, I had made the request. I was told there was nothing they could do no on in the back office department with whom I could speak. 

Call # 3 : I call the fraud line immediately as I wanted to understand if they believed it was fraud why had no one contacted me and to see if we could just verify my identity and get it resolved. I was informed again that now that the account flagged even though I could verify it was me who had called, there was nothing to be done and now not even the standard daily $ 50K transfer could be made to help me in closing on my house in the next 24 hours. The rep informed me that she has escalated and will try to get someone to call me today. 

Call # 4 - I call back at XXXX as no one has called me back to help resolve this matter so that I can understand if going to a branch bank will help to resolve this issue. I live in a state where there are no branches but I would be willing to fly to one to get this resolved so that I can close on my house and not lose it. I am informed that there is no guarantee that a branch can help as they will have to contact customer service anyway and all I can do is wait for the 48 hour review to take place and then for someone to call me. This is not acceptable as I literally close in 12 hours at this point and no one will give me any information on what is going on. I am now in limbo not knowing when I can get access to my money and with my house closing in complete jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXXXXXX AND ACCOUNT # XXXX XXXX XXXX AREN'T NOT MINE. 

I FILED A FTC IDENTITY THEFT REPORT AND DISPUTED THESE ACCOUNTS AND THESE FILES DEBTS WERE INCLUDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. US DEPT OF EDXXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX 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: Credit card

I have been with freedom chase for a long time. Last few months has been confusing & frustrating to do business with them. Its all started on XX/XX/year> when I returned around {$200.00} to XXXX which was more what I owed to the credit card. I have the receipts for two transactions on XX/XX/year> around noon time. So even though it was my due date I returned more than what I owed so I didnt make a payment. Somehow the freedom chase decided to post my returns on the fifth and charged a late fee on the due date. Talking to them was like having a conversation with my dining room table. I asked for a supervisor for whom I am still waiting to talk. The same thing again this month. Without the late fee with my transactions I did not owe them on the remaining balance but I got another late fee agin on the due date yesterday. I called and asked for a supervisor I have been waiting to talk for a month now. The boy told I should be responsible. They XXXX you and steal your money and then lecture you.
Product: Checking or savings account

They refused to explain the hidden fees, refused to tell me where my money was going and just said they were classified as hidden fees, and they expected me to just accept it at that. It happened so often that I had the number saved and would call so often about the situation that I ended up closing both my savings and checking account.
Product: Debt collection

Account in question : ACCOUNT RESOLUTION CORP XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank : XXXX XXXX  Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found recent late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX XXXX XXXX and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,
Product: Student loan

In XXXX of XXXX, because of mail sent by the company informing me that I had to, I enrolled in the XXXX plan via my Federal Loan servicer, MOHELA. I was previously on an XXXX plan, with my payment approximately {$530.00}. I was unhappy that the XXXX Plan would raise my monthly payment up to approximately {$650.00}, but understood as it had been a while since my payment went up. 

I also enrolled in auto debit, so the monthly payments would come directly from my wife and my joint checking account. In XXXX, I called the company for two reasons ( 1 ) I hadn't seen any money come out of my account, and ( 2 ) I had seen XXXX. XXXX discussing student loans in the news and he had indicated that no persons plan should go up under the XXXX plan and to wait until your recertification deadline if it did. I also saw that the recertification deadlines were extended, so I called. 

The loan servicer person I talked to indicated that my XXXX recertification deadline had been extended until XXXX of XXXX, so she suggested I withdraw my application to go into the XXXX plan, and simply make my old payment, as I am on XXXX. I attempted to make a payment that date, and clicked the button through MOHELA 's website. 

The XXXX payment didn't come out. I received further mail in early XXXX indicating that my account had been placed on XXXX XXXX. Something I did not request. 

I called in in late XXXX, basically to find out what the heck was going on. I was on hold for approximately XXXX minutes. I talked to a helpful guy at MOHELA who basically indicated my account was all messed up and was above his paygrade. He indicated I had been kicked off of XXXX and was not enrolled in the XXXX XXXX anymore. The XXXX XXXX was placed on my account and he transferred me to some sort of XXXX XXXX who could help me. The hold time was another XXXX minutes, and I waited patiently for the specialist. 

She got on and informed me she was " in training. '' " Great, '' I thought to myself. Anyway, I was talking in circles with her for a while, we never got anywhere, and I swear she hung up on me. I kept saying, I was willing to make a payment that day, and even moved money from my Savings Account to accomplish that. Eventually, she hung up on me. I was calling from my office phone. She " attempted '' to call me back on my cell and left a XXXX. I chalked it up as a failed attempt. 

It's now mid XXXX. Since it's hard to give up an entire afternoon of my time to discuss this issue, I figured I'd try a new route - sending an email to MOHELA. I basically laid this timeline out for them, and asked for help. They said " sorry for the inconvenience, you have been placed on an Administrative Forbearance and that is why you can't make a payment. '' They did not answer any of my questions as to whether the months of forbearance would count towards my XXXX, nor did they indicate whether I could get back on XXXX. They basically directed me to apply for XXXX again. 

This is crazy, and I'm at a loss at this point. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX
Product: Credit card

Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.
Product: Debt collection

You claim I owe your company {$450.00}. This letter is being sent to you in response to an entry made on my Consumer Report dated XX/XX/2022. Please be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.