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

According to www.justice.gov, Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. The Department of Justice prosecutes cases of identity theft and fraud under a variety of federal statutes. In the fall of 1998, for example, Congress passed the Identity Theft and Assumption Deterrence Act. This legislation created a new offense of identity theft, which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). This offense, in most circumstances, carries a maximum term of 15 years ' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense.

Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C. 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

I DID NOT CONSENT TO NOR DID I AUTHORIZE THE FOLLOWING CREDIT INQUIRIES ON THE CONSUMER REPORT. I SUBMITTED AN IDENTITY THEFT CLAIM TO THE FTC. SEE ATTACHED. REMOVE THE REPORTED UNAUTHORIZED INQUIRIES PER THE FCRA AND TO MAINTAIN MY RIGHT TO PRIVACY.
Product: Checking or savings account

I logged into Robinhood to sell my assets and move the money to my bank. Robinhood is blocking the transaction with a general error message and I have no other way to get my money out.
Product: Checking or savings account

US Bank Business Checking Account Offer : I saw a banking offer for {$750.00} when depositing {$15000.00} and keeping the funds in the account for 60 days. I wasn't sure about the details, so before I've opened the account, I've called the bank and ask if the representative can look at my other account to see if I would qualify for this offer. I've had a relationship with US Bank with other credit cards for about 5 years. The representative looked at my accounts and confirmed that I would qualify for this promotional offer. 

I've opened this business checking account on XX/XX/23. 
After I've made the {$15000.00} on XX/XX/23 I've called again to verify that my account is set to receive the promotional offer in which the representative confirmed that my account would receive the {$750.00} bonus offer after 60 days. 

I have been informed that all calls are recorded when speaking with a US bank representative. And the manager can access these calls to verify the information spoken over the phone with the representative. 

After the 60 days were past, I've called in to see when they would deposit the promotional offer, and they've told me that I would not qualify. 

My complaint is that I've spoken with 2 representatives at the bank and they both told me that I would qualify for this promotional offer. I honestly was not sure if my account would qualify, so I've called to get this verification. Now they are refusing me of the offer after 60 days. Not 1 representative but 2 representative had informed me that I would qualify for this promotion. 

I kindly ask that you would please help me with this issue. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious.
Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
Product: Debt collection

I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Product: Vehicle loan or lease

I reviewed my credit report & noticed Ive had repetitive reports from companies I did not authorize to run my credit. The dates range from XX/XX/2022 through XX/XX/2022. Ive contacted Global Lending Services to provide me proof of this ownership & if not to please remove off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$930.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX  Balance : {$550.00}, XXXX XXXX XXXX  Balance : {$490.00}
Product: Credit card or prepaid card

They are charging me {$110.00}. At the time when my account was closed, I only owed the minimum of {$40.00} on each card. Amex continues to say that I have returned payments when I recently update my bank to American Express. The bank account is called XXXX. 

Moreover, American Express did not give a good explanation as to why my accounts were cancelled. My credit score was the same for the past twenty four years since I had these cards. I made the payments, on time, each month. I am XXXX, I receive social security and I am self employed. I believe that the ceo of this company is XXXX. They also have different types of relief, at American Express, for people who lost their job, who need help making payments, or whose credit is less than perfect. My credit did not not matter. I was never offered these opportunities. In my case, I did not need help making payments, I was admitted to the hospital in XX/XX/2021, and someone had stolen my credit cards ( wallet ) and they stated hacking my phone number and ruining my accounts. I had no problem with my accounts until XX/XX/2021. I would like to reinstate the accounts. 

American Express wanted to close them for discriminatory purposes. I tried opening a new card and I was not approved. There are other card members, with the same credit score and other financial difficulties but he allows them to stay card members. I had the same problem with XXXX card. Is there a different solution for these two cards? It may prevent me from purchasing a home or buying a car.
Product: Credit card

I never had a credit card and I keep getting denied. I have no credit and no one will give me a chance and I check my report n all I se is inquires as the reason why I can't have credit. Hint why there's so many inquiries
Product: Mortgage

Over the course of XXXX weeks, I have emailed and called XXXX times to request that the PMI be automatically removed. I am repeatedly referred to the companies PMI removal fact sheet which clearly shows that I am eligible for automatic removal. I have further researched and read the Homeowners XXXX XXXX of 1998 and other online documentation that also clearly indicate my qualification. However the company refuses to remove the PMI unless I pay for a $ XXXX {$800.00} survey of my home which is not indicated as a requirement for automatic PMI removal in any of the documentation, theirs or public. I pay {$27.00} per month of PMI and that is not worth having to pay $ XXXX {$800.00} for an unnecessary survey but that still does not make it right that this company is arbitrarily keeping money of mine that could be applied to my mortgage principle instead. 

My original loan was XXXX The rules state I am eligible for automatic PMI cancellatiion at 78 % of loan value or XXXX. 
My loan is currently at XXXX. 
I am current on my payments, have been for many years, and I pay close to {$400.00} extra to principle every month. 
My home is worth more than 3 times the original loan and I've invested heavily in renovations and XXXX but I'm not paying for an evaluator that I'm not required to pay for.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2024 I was scammed out of XXXXXX/XX/XXXX I disputed it with cash app and they told me it was no guarantee that they would be able to get my money back to me and I felt like they didnt do enough at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. 

XXXX  XXXX ( Bank ) XX/XX/2022 KOHLS/CAPONE ( Retailer ) XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 CAPITAL ONE BANK XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Inaccurate reporting of XXXX/DEPT OF ED multiple times with Transunion, XXXX   and XXXX with no help. These are not my account. 

XXXX/DEPT OF ED  Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX/DEPT OF ED Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Product: Checking or savings account

I contacted on XX/XX/XXXX and was told I would get return call on XX/XX/XXXX. I got no call, so I called and no solution was given. I was told to come to the branch, but there was no confidence. This was for Fulton Bank in PA. A biller hit my bank account with automatic payments in error for very small single digit amounts. For each amount, I was charged a {$39.00} fee as well as {$6.00} a day overdraft fee. My charges were less than {$300.00} from the automatic payments. The fees assessed by the bank is close to {$600.00}. This is predatory and excessive charges. I have been a customer of this bank for 13 years and never had this issue. They just dont want to waive any fees and want me to go bankrupt. Additionally I have requested numerous times for all transactions, withdrawals and deposits, to be frozen and not allowed in my account while this issue is being handled. Fulton Bank does not do this. I want all debits and credits disallowed on my account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applying for a job on XXXX, First Advantage did a backround check on me, it came totally mix with other people with the same names with criminal records, i do not have any criminal records, places i never had any problems, i told them my identity was stolen, i did my own backround check and nothing like that comes up. They keep sending me the same backround ckeck not willing to help. I spoke with an XXXX XXXX she anderstud that was someonelse. I report to Identity deft my file is XXXX. They stole my social security, my bank accounts, my credit was freeze 4 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.
Product: Debt collection

I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

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

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did a domestic transfer from XXXX to New York via Money gram online for a total of XXXX I am sending XXXX there was a XXXX dollar fee. I did this transfer debit card to debit card, money gram never sent the money to the reciever in fact they keep telling me they already sent it to the receivers bank but they did not. The reciever has contacted their bank several times and they have told him they see all transactions in REAL TIME and if anything was pending or sent from moneygram they would see it. It was never sent. To top it off they told me they have to send this issue to a specifi department which will contact me in 24 hours I haven't heard a peep from moneygram since XX/XX/XXXX if I dont call they won't call me. I have called them over 20 times about this issues and to be told now it's still processing but they have no clue why or how to get it to the reciever
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$0.00} or XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXX  XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question 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  : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX