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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX Original XXXX : 01 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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Product: Checking or savings account

Bank of America XXXX XXXX XXXX Vice President XXXX XXXX continues in her crusade to cause irreparable damage as CFPB stands by and allows the injurious behavior to mount. In addition to denying me fraud protection today XXXX XXXX sabatoged my debit card and did potential damage to my XXXX USD cell phone in the processs. 

While it is difficult to determine whether its simple stupidity or sophisticated manipulation XXXX XXXX is clearly in above her head. Assigned as my day to day contact initially she the quickly moved to get control of my personal finances and then after being denied that access she essentially abandoned me and her fiduciary responsibilities. She is on the verge of facing an investigation into her banking practices in her home state of Florida as this is being written. 

Given her stonewalling and protection of at least XXXX abusive BOA employee XXXX XXXX is setting herself up for quite a judgement day and I therefore again before she does anymore damage to me or her other potential victims I urge the CFPB to open up an investigation in to what exactly is her angle. Thank you.
Product: Credit reporting 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, 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 an 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 SENT OVER THE XXXX XXXX LETTER THE XXXX TO ADJUST THE XX/XX/year> LATE TO N/A FOR ACCOUNTS XXXX FOR THE XXXX  LOAN AND XXXX  LOAN. 

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 XXXX XXXX XXXX XXXX  To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XX/XX/year> ] for my [ XXXX XXXX AND XXXX  LOAN ] account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how XXXX improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

I need to pay off credit card and paydayloans
Product: Credit reporting or other personal consumer reports

I would like the following acounts deleted from my consumer reports and I would also like to remedied {$2000.00} for damages due tothe negligence of XXXX and the constant disregardfor my rights by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than XXXX days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Product: Debt collection

You closed my account because you found it to be beyond the statutes of limitation. However, in XXXX you filed a form XXXX with the IRS for XXXX income in the amount of XXXX You should notify the IRS that you opened the account incorrectly, closed it due to an error in filing it, and filed the form XXXX in error. Thus far this has cost me close to {$2000.00} in payments and interest to the state and fed government. The money is being deducted from my refunds, taken from my bank account and now my social security is being threatened. I live on a fixed income and can not afford to lose any more of my hard earned money. 

This was never my account. It was opened in my name by a thug
Product: Checking or savings account

On XX/XX/2021 I was a victim of a job fraud. The company that apparently hired me sent me a check for supplies I would need to work from home. I was told to deposit the check which I did and withdrawl XXXX for a partial payment and deposit it into a Wells Fargo Account that was provided me. After the transaction was complete. I did some research and found out that the company that sent me the check is a fraud. I contacted Wells Fargo right away and they said there was nothing they could do to put a hold on the deposited amount that was put in the account that I was given. 
It was Wells Fargo XXXX GA XXXX.
Product: Credit card

I was inappropriately charged an annual member fee after cancellation. My cred card acct was billed an annual membership fee after cancellation in XX/XX/2023. Charged unfairly {$39.00} dollars on XX/XX/2023 on # XXXX then {$29.00} on XX/XX/2023. Charged {$39.00} on acct XXXX on XX/XX/2023 and late fee of {$25.00} on XX/XX/2023. Capital One refused to reverse fees XXXX or reach resolution I am disputing these charges until issue is resolved to my satisfaction Further complaint against Capital One for only employing telephone representatives in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) adn Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX*** Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You XXXXXXXXXXXX  THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM XXXX XXXX FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY AGGRAVETED ID THEFT 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I happened to read an article on XXXX 's website about credit cards charging inflated interest fees. I then went onto my XXXX  card app to look at my fees. On XXXX XXXX, i was charged {$2.00} for interest. Than on XX/XX/2020, I was charged {$21.00}. They even dropped my credit limit from {$1800.00} down to {$1200.00}. Going back through all my statements, my interest charges were {$2.00}. I make all my credit card payments on time every month and have never been late.
Product: Credit reporting

XXXX Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX XXXX XXXX XXXXre reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX AUTO partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Equifax XXXX XXXX XXXX XXXX  are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a card from Cash App which I had never requested sent to my previous address and forwarded to my current address by the USPS. I have no relationship with Cash App. I contacted them via phone. The first representative refused to assist me and tried to direct me to open an account with Cash App to be able to close the fraudulently opened account. The second representative said they could not close the account opened in my name and that the only way to prevent my information from being used to open a Cash App account was to open a Cash App account myself. On XX/XX/XXXX I attempted to contact the company again and made them aware of complaints submitted to the FTC and the Federal Reserve around their practices. The representative tried to direct me to give my email and set up an account with Cash App to close the fraudulently opened account. I told the representative that I was going to be submitting a dispute letter generated via the FTC 's Identity Theft services and the representative declined to further assist me over the phone. I have submitted a police report and will be submitting a written complaint using the FTC 's Identity Theft resources shortly.
Product: Bank account or service

Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # XXXX
Product: Money transfer, virtual currency, or money service

Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from XXXX XXXX saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called XXXX  XXXX to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX Chase XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to 3 branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that XXXX XXXX bank didn't try to do anything that day because if it did, that person should alert JPmorgan bank to do not disburse money at all. After 20 days of investigations, I got a letter from XXXX XXXX saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call XXXX XXXX to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.
Product: Debt collection

Account information disputed by consumer, meets FCRA requirements This Account says open in XXXX and its a third party doesn't let you know anything does not have my consent at all. 
Please remove from my credit report
Product: Vehicle loan or lease

I received a title loan from Loanmart on XX/XX/XXXX. I received my first one from them in XX/XX/XXXX. My car was stolen on XX/XX/XXXX. I emailed LoanMart on XX/XX/XXXX and they told me I needed to call on XX/XX/XXXX. I called on XX/XX/XXXX and was transferred to the insurance department for Loanmart to leave a voicemail because they were closed. Their insurance company called me on XX/XX/XXXX to discuss the car and i told them my insurance company and the police told me to inform them that the car was stolen. They gave me a police report number, and I emailed them the webpage showing the report was in process. On XX/XX/XXXX, the rental i had was totaled by a drunk driver and the deductible depleted all my funds. Loanmart called me on XX/XX/XXXX in reference to a payment and i told them the car was stolen and I was waiting for it to be returned. and I have no money due to paying the deductible for the rental, my mortgage, my XXXX bill, and other bills. I explained that there was no way I could make a payment and I had already spoken to their insurance, who told me to send a report and the claim, which I emailed to their customer service email address. I will also send them a hard copy. I was then threatened that if I didn't make a payment, I would suffer the consequences because my payment is late as of XX/XX/XXXX. I am not sure what I can do right now due to everything I am experiencing days apart from each incident. My car is a XXXX and their is currently a high crime rate of these cars being stolen at this time. I feel that LoanMart is a predatory lender and they really don't care what financial hardship a customer is going through. The woman hit my car and had no insurance or license, totaled my car and XXXX others and left the scene. The young men who stole my car have not been caught. Its a lot to deal with financially, emotionally, and mentally, and LoanMart reps are calling me, threatening me, and being disrespectful. As though what I am dealing with isn't enough to bear at this moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX Account with Experian over 20 times for disputing inaccurate information. Here it is XX/XX/XXXX and I am demanding to have this issue resolved immediately. I have provided my discharge papers i have held on the phone to dispute this issue all together for over 3 hours. And the Credit Reporting agencies continue to tell me Nomatter how much accurate information that i provide they are going to go off of what the creditor says. I have provided discharge documents from a Judge and Attorney stating that this account was discharged in Bankruptcy in XX/XX/XXXX and  Experian continues to allow XXXX to say an do what they want. XXXX is stating that the account was discharged in XX/XX/XXXX which is incorrect. I Feel like i have all rights to sue this company because it is damaging my credit and ability to purchase anything! This is the second time i have disputed this with your company