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., I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX  Date Opened : XX/XX/2022 Balance : {$250.00}. 

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

I was alerted to fake accounts in my name at HSBC bank. Upon calling and writing I recieved no resolution or response from them.
Product: Credit reporting or other personal consumer reports

Previously, I signed up with Lexington Law without any results as of today of repairing our credit
Product: Debt collection

I have auto loan took out in Navy Federal for about XXXX on an XXXX XXXX XXXX. The thing is I don't even have an XXXX, I have a XXXX XXXX, but I'm make payments on an XXXX I never got. Could you contact navy federal in get this loan out of my name. I have to pay it because it's on my credit or it's gone affect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a late payment was incorrectly reported to my credit report
Product: Mortgage

I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.
Product: Debt collection

I previously asked not to be contacted and the file they have was supposed to be flagged to cease communication. I just received 3 separate collection letters from them.
Product: Credit card or prepaid card

I contacted US Bank via email to close my credit card account ( XXXX ) and they did such as requested. ( Please see attached document ). I had a rewards balance of $ XXXX and went in this morning to redeem such and the balance was {$00.00}. I contacted US Bank and was told by the representative that when the account was closed their policy is to inform the cardholder that " you will forfeit any rewards once the account was closed ''. I informed the rep that this was not closed by phone but via email. I was informed that it should have been in the email, but as you can clearly see it was not. If I had been informed of such, rest assured I would have taken the rewards before closing. 

No one in their right mind would throw away XXXX  XXXX dollars, especially with paychecks being stretched thin and inflation at an all-time high. 

I am requesting that US Bank honor their policy of informing a customer about " losing their rewards '' and send me a check for the rewards balance that was there when the account was closed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

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

XX/XX/18 -- I submitted a complaint regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX College. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My XXXX XXXX GI Bill covered this tuition in full. I do not owe XXXX College or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately. 
XX/XX/18-XXXX XXXX from XXXX XXXX XXXX responded claiming that these debts were not paid for. Attached to XXXX XXXX 's response were my account ledgers showing payments and 0 balances, PROVING MY POINT. I will attached these ledgers to this complaint. 
XX/XX/18-Sent proof of payment letters from the VA to Mr. XXXX at XXXX XXXX XXXX after several phone conversations. He assured me the letters from the VA confirming the payments were being uploaded in the system for the manager to review. 
XX/XX/18-Still no resolution so I am now submitting another complaint which will provide the aforesaid documentation from the VA and XXXX XXXX XXXX showing the tuition was paid for. By the way, I am submitting the ledgers from XXXX as I received them, inaccurate file names and all ( they seem to have confused me with a recently deceased actor, XXXX XXXX. But the document itself has my name correct once you open it ).
Product: Credit reporting or other personal consumer reports

I closed a XXXX credit card account in XXXX I went through XXXX XXXX to pay them off, they accepted the pay off amount received it on XX/XX/XXXX and then decided to come back for the balance on XX/XX/XXXX this has impacted my XXXX XXXX and seems illegal, I have a letter from XXXX XXXX  showing that Macys Citibank agreed to the pay off amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed account with furnisher XXXX XXXX XXXX XXXX I closed my account voluntarily on the phone with its agent XXXX and my XXXX credit report of XX/XX/XXXX correctly lists the account as Account Closed at Consumers Request. Moreover, I received the attached notice from XXXX XXXX stating that your XXXX XXXX XXXX account on your Equifax credit report was recently listed as closed Based on your credit report information from Equifax as XXXX on XX/XX/XXXX. However, despite the fact that my account was admittedly reported as CLOSED on Equifax, on XX/XX/XXXX, furnisher and Equifax wrongfully changed the reporting of my account to OPEN and my closed account is frivolously now reported as open as of XX/XX/XXXX to Equifax and XXXX XXXX. The CFPB warned every CRA and all furnishers about the need to have interval controls to prevent this and other kinds of Facially False Data ( closed accounts later being reported as open )..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Consumer Assistance Center Attn : Complaint Department XXXX. XXXX XXXX, XXXX, XXXX   XXXX I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX has removed all accounts associated with ( XXXX XXXX ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Product: Checking or savings account

I disputed a transaction in which Bank of America told me that I would receive a temporary credit. 15 calls over 1 week period and no credit. I called the merchant and spoke to several people and they finally agreed to give me my funds back. Now Bank of America is holding said funds from me and wont release them. I call both customer service and the claims department and they could care less. They say that there is nothing that can be done and pass me off to the next person. There is no true customer service here. Now I am sitting at home missing work because they wont release my funds.
Product: Credit card or prepaid card

My card was stolen and over XXXX dollars was taken from my account. I filed a fraud claim. EPPICARD denied my claim without giving me a specific reason as to why it was denied.
Product: Debt collection

Dispute of Fraudulent Accounts, Fraud Block Removal, and Address Update Dear Consumer Financial Protection Bureau, I am submitting this complaint to dispute three fraudulent accounts that have been added to my Equifax credit report, as well as to request two additional corrections to my credit file. Below are the details : 1 ) Fraudulent Accounts Removal I am requesting the immediate removal and permanent blocking of the following fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulently assigned on XX/XX/XXXX XXXXREDIT COLLECTIONS Fraudulently assigned on XX/XX/XXXX XXXX  Fraudulently assigned on XX/XX/XXXX These accounts were opened without my authorization and are a result of identity theft. Under federal law, Equifax must block and remove these items from my credit report once sufficient evidence is provided. 

2 ) Fraud Block Removal ( NOT Fraud Alert Removal ) On XX/XX/XXXX, I was informed by an Equifax representative that a fraud block has been placed on my file. This fraud block is causing me issues with financial transactions, and I am requesting its immediate removal. However, I do not want to remove my fraud alert, which I wish to keep in place for security purposes. 

3 ) Address Update I request that my current address be updated in my credit file and that my previous address be removed. My correct and current address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX Supporting Documentation Per Equifaxs direct instructions, I am providing extensive documentation to support my dispute, including : A government-ratified FTC Identity Theft Report A copy of my Texas Drivers License ( front and back ) A copy of my Social Security Card ( front and back ) An affidavit of fraud from the Police A police report ( forthcoming ) Requested Actions from Equifax Permanently block and remove the fraudulent accounts from my credit file as required by law. 
Remove the fraud block from my file while ensuring that my fraud alert remains active. 
Update my current address and remove the outdated one. 

I expect Equifax to take prompt action on this matter and to provide confirmation upon completion. Failure to comply with federal regulations regarding identity theft disputes may result in further legal action. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I'm a co-signer on a student loan account with Wells Fargo Bank, N.A. but do not have any other relationships with Wells Fargo. The student loan is not yet up for repayment as the student is still attending school. 
Earlier this week, I received a " XX/XX/2019- 1099 - INT, INTEREST INCOME '' statement from Wells Fargo reflecting my social security number, a checking account number and {$760.00} of interest income on that account in XX/XX/2019. I do NOT have a checking account with Wells Fargo. I called the Student Loan Customer Service at Wells Fargo on Wed, XX/XX/XXXX to report this issue. After being on the phone for close to an hour, the Wells Fargo agent confirmed that the 1099 statement was an error on their part since they could not find a checking account under my social security number. I then asked them to send me a corrected statement to show no interest income so that I don't have to report this as interest income when I file my XX/XX/2019 tax return. In response, I was told that would not be necessary and that Wells Fargo Executive Office will contact me via phone in the next 24 hours. It has now been 2 days and nobody has contacted me!
Product: Money transfer, virtual currency, or money service

In XXXX of 2022, Bank of America authorized an individual on to my business bank account, without notification to myself of any kind and proceeded to allow them to sign up for ACH transactions to XXXX XXXX showing my name as the Transaction description. A total of seventeen transactions took place over the next four months, totaling a monetary loss to my account of {$35000.00}. 

Since this initial dispute, both Bank of America and XXXX XXXX have documented admittance to these transactions being fraudulent and not be condoned, signed by, or authorized by me. Both companies have been continuously difficult and negligent with their due diligence to help me recover my funds, or release information of the individual who committed grand larceny within my account, or taken responsibility for allowing these transactions to take place, unannounced to me until I caught the transactions myself. 

I have spent countless hours, days, weeks, trying to battle these FDIC insured businesses to give me my money back or the information of the individual. They have told me excuses like I found out too late, or they cant, due to privacy laws, release their information. 

Well, Bank of America finally did. I was given the name of the individual they allowed into my private, business bank account, and allowed to take almost $ XXXX of my money in four months. With that being said, not only did Bank of America allow this criminal to get onto my account without notification, they admitted it was fraudulent, told me they couldn't release their info, and now just did. So there are a number of things that need to be address and multiple suits that need to happen. Aside from the larcenist who needs to be jailed for this fraud, Bank of America also needs to be held responsible for the action they took to let them get onto my account, steal my money, lie to me about it, belittle me for it, and now deny to give my money back that they released. 

I have called lawyer after lawyer, police, news stations, the Attn General office. I finally sent a demand letter to both Bank of America and XXXX XXXX on XX/XX/XXXX to respond with answers to my questions or return my funds. Return receipts showing those banks received those letters on the XXXX and XXXX of this month. I have no idea why this has been such a nightmare when these Federal Institutions hold an oath to uphold honest and fair banking to us consumers and I am getting no help. I have documents, proof, statements, even the name of the criminal and still, no one is helping get my money back. 

I have attached the demand letter that was sent to the bank with relevant attachments including all the fraudulent transactions, the letter from XXXX XXXX and Bank of America, and the attachment Bank of America sent me with the criminals name showing on my account, as STILL ACTIVE.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$2300.00} XXXXXXXX XXXX LOANS XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX CREDIT XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : 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: Checking or savings account

XXXX i was contacted bu US bank about deposits from Insurance funds that was for the purchase a vehicle, i have been harassed by employees at 2 separate locations about account information as well as had service denied to me due to the color of my skin, i have been forced to fill out internal documents that I had no idea what was the origin of, and several other discriminative incidents that are offensive and unnecessary, this bank has broken several civil rights laws and im going to get representation i have been humiliated publicly in front of other customers and they are going to pay for these malicious acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX  and XXXX  and investigation took well over 30 days.
Product: Debt collection

I did not consent to authorize nor benefit from this account. Block and remove it. Please remove this fraudulent, inaccurate account as I do not know of anything about this account, and absolutely a result of XXXX XXXX XXXX data breaches/ identity theft. It's currently being investigated by the FTC. 
According to FCRA 605 ( b ), this information must be blocked immediately until the investigation is over. 

Account name : XXXX XXXX Account number : XXXX Account balance : {$4600.00} Date opened : XX/XX/2XXXX XXXX
Product: Debt collection

There is a charge off on my XXXX, XXXX, and XXXX credit reports that was purchased by JTM Capital Management LLC in XXXX of 2018. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they dont, theyre in violation of the act. I have attempted to contact JTM Capital numerous times by phone and letters, they do not answer the phone or haven't responded to my certified letters and it has been over 3 months. JTM Capital is involved in numerous lawsuits about the same issue I'm having. I have also sent debt verification letters with no response. JTM Capital doesn't have the legal right or license to operate in my state of Massachusetts making this debt void also. I demand that this charge off be removed from my credit reports.