23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX AV XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have recently been in the market for a new vehicle. After checking my report I noticed inaccuracies. I reached out with letters and disputes for verification of the debts and to remove accounts that are reporting inaccurate information to my account numerous times, which is destroying my credit profile. I am looking for this to be resolved and removed from my credit report.
Product: Vehicle loan or lease

Jeffersonal Capital Systems, LLC has been reporting a negative closed account from a car loan I was ( cosigned ) on on my credit report. This loan was involved in a class action lawsuit in which the original creditor ( XXXX XXXX XXXX ) was required to completely forgive this debt and completely remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX XXXX XXXX XXXX clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to Experian, XXXX, and XXXX, all of which are nonaffiliated third parties as defined by Regulation XXXX XXXX nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like Experian, XXXX, and XXXX are separate entities and are not affiliated with XXXX XXXXXXXX XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, XXXX XXXXXXXX XXXX failed to comply with these legal obligations. 

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I do not consent to the sharing of my private financial information with any nonaffiliated third parties, including but not limited to Experian, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX
Product: Credit reporting

I have asked Transunion to investigate and if not verifiable, delete negative information on my report. I have explain and shown Transunion the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Transunion has only send back a full credit report without any updates describing the outcome of the dispute.
Product: Checking or savings account

Its been well over 2 months since Ive been told that my account was being closed. I have tried numerous times to get a explanation as to when the money in said account would be returned to no avail
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, 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 reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXX XXXX  ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only XXXX had not removed the account. Upon speaking with an agent from XXXX she stated that it was true that I could only receive the XXXX if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the XXXX was placed without that information. So, I began the initial dispute process again within XXXX days XXXX stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXXXXXX XXXX by XXXX XXXX I received an email from XXXX basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my liability.
Product: Credit card

XX/XX/23 order placed online for XXXX XXXX XXXX XXXX for {$190.00}. 
XX/XX/23 confirmation email received showing charge will appear from XXXX XXXX. I immediately tried to cancel the order. I was advised it could not be cancelled and I could just return the product when received. 
XX/XX/23 Contacted merchant for return instructions. 
XX/XX/23 My USPS receipt for returning 100 % of product. 
XX/XX/23 USPS tracking showing product 100 % received by merchant. 
I received partial refund of {$120.00}. 
I disputed the payment with Discover on XX/XX/23 when remaining amount of {$69.00} not received. I waited 15 days for company to process refund to Discover. 
I have in possession " and furnished '' Discover copies of the company 's website stating both a 100 % money back guarantee and also a " Risk Free Guarantee '' statement. 
XX/XX/23 I received a letter From Discover denying my dispute without any explanation. 
XX/XX/23 I requested Discover reconsider their decision, and again explaining in detail the transaction and actions. I again provided Discover with copies of my USPS receipts showing the product returned and accepted, ALONG WITH A COPY OF THE COMPANYS WEBPAGE showing clearly that the purchase and product was 100 % guaranteed. 
If I have the option, I will include these copies with this statement. 
XXXX XXXX XXXX XXXX gives XXXX XXXX a " F '' rating due to many unresolved problems and complaints. Yet Discover ruled in their favor.
Product: Money transfer, virtual currency, or money service

I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back
Product: Checking or savings account

Certainly, heres the updated complaint with the additional details : -- - XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Date : XX/XX/2024 Complaint Against Navy Federal Credit Union Regarding an International Wire Transfer Dear Sir/Madam , I am filing this complaint against Navy Federal Credit Union due to unresolved issues concerning an international wire transfer of {$3400.00} that I initiated on XX/XX/2024. The funds were meant for XXXX XXXX XXXX XXXX XXXX XXXX, [ XXXX XXXX and XXXX XXXX XXXX ]. 


I look forward to your timely assistance in this matter to help me recover my funds and ensure that such errors are adequately addressed by the institution. 

Sincerely, XXXX XXXX
Product: Student loan

Hello, To whom who may concern : my name is XXXX XXXX. I attended XXXX College and they took me in without asking me for my High School Diploma. I thought that was very wrong for them to do that. Also, they have never helped me find a job after I XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Experian. 
1XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

My Chase Credit Card had a Due Date of XX/XX/XXXX. 
Chase received/processed my payment XXXX prior, on XX/XX/XXXX. 
Chase held that payment ( or lost it ) until XX/XX/XXXX. 
Chase charged me a Late-Fee/ {$29.00}. 
Chase found that payment, and apologized for the mishandling. 
My next billing requested a double-payment and the Late-Fee/ {$29.00}. 
I immediately complained, challenged that charge. 
Chase reversed the Late-Fee/ {$29.00}, but not the double-payment. 
( I proactively made a {$3.00} overpayment, without the Late-Fee/ {$29.00}. ) BUT, Chase has reconstituted that Late-Fee/ {$29.00} every month, only to reverse that Late-Fee/ {$29.00} the following month! 
Chase is holding my account without privileges until I pay the Late-Fee/ {$29.00} that I DO NOT OWE. 
So, please watch for this exploitation similar to the Industry Late Fee scheme that they had to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX & XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. The XXXX XXXX 7. XXXX  XXXX 8. XXXX  XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on Transunion, XXXX, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent XXXX, Transunion, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX 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 card

Hi, I have a credit card account with barclaycard called XXXX XXXX card. I have my payment setup on repeat pay for the " statement balance ''. My last balance was {$670.00}, which I paid myself on XXXX XXXX. However, barclaycard deducted another {$420.00} from my checking account on XXXX XXXX. When I called and complained about the situation, they told me that the repeat pay will deduct " current balance '' up to your statement balance from your account even if you have paid the balance in full. 
This means they can deduct up to twice the " statement balance '' in XXXX billing cycle. 
Although the manager told me it is in terms and conditions, I was not able to find it. This situation created problem for me since I need to find money to pay my other bills. Also, I think it is a way of taking benefit from customers and deducting more money than it should. I feel that I am not the only XXXX abused, and other customers could have the same problem.
Product: Debt collection

I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and these negative accounts and inquiries have been placed on my credit report in error. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. Even though these not accounts or inquiries.
Product: Credit reporting or other personal consumer reports

My account with US DEPT ED 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 60 days 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. US DEPT ED 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 XXXX
Product: Credit reporting or other personal consumer reports

I noticed that when I pulled my credit report that their were fraudulent accounts on there
Product: Debt collection

portfolio recovery associates phone XXXX address XXXX XXXX XXXX XXXX they are pulling a car under my name in the amount of {$410.00} i have never had a car with the or anyone representing them I inform all three credit bureaus of this the company is harassing me by mail this is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.