23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00}
Product: Vehicle loan or lease

Hello and To Whom It XXXX Concern, I had bought a vehicle from XXXX in XXXX of 2019. My loan was the lender Bridgecrest XXXX. I had made regular payments and extra payments through XXXX of XXXX it was illegally repo for allegedly failing to make payments. It was impounded and I was told I would have to pay for it from the Auction company copart. I was not able to and the lender has put this on my record as a repo and continually harassed me to repay the debt. I have included copies of all the payments that were made and correspondence from Bridgecrest XXXX, I do not know if I should take them to court or how to proceed it is very discerning because this happened at a time during the pandemic when it was difficult to find a lawyer, many agencies were closed and this has severely hurt my finances. Thank you for investigating this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX score XXXX, Transunion XXXX, and XXXX XXXX. Notified that I have been named in more then a few data breaches, social security number on the black web for what or how ... XXXX is reporting XXXX XXXX that has been cleared - Social Security XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ). This is all about The credit Reporting False Information Causing Me Financial Hardship. Please stop the reporting of incorrect information. 


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

I was told due to me being a XXXX XXXX XXXX XXXX  I am eligible for student loan discharge which would delete these student loans off my report by XX/XX/year> by NelNet : DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> It has not been removed and is now being reported inaccurately by the Credit reporting agencies. UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is stemming from the previous issue I had. 
Marcus Goldman Sachs fraud depth told me they could let my {$1200.00} transfer to XXXX XXXX XXXXXXXX XXXX go through, as my account got verified last night XX/XX/year>. Today, XX/XX/year> I received a call from Marcus saying part of the funds were on " hold '' until they clear. They already cleared my bank. .I transferred on XX/XX/XXXX, so it has been over a month. The Marcus rep told me when I signed with the bank. I gave them permission to hold my money indefinitely. That seems like theft to me. He would not give me information about how long my money will be held for he said it can go back to the original account. The problem is, when I linked my bank account to them, my mothers was linked as well without my permission. So when I transferred out of what I thought was my account, and i think it ended up being my mother 's. Medicaid now owns that account and Marcus will not tell me if the rest of the funds came from a checking or a savings account. I am really tired of trying to regain control of MY money. How is this legal for them to do this? I have never been treated like this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXX there was a late payment posted to my account from Capital One XXXX XXXX XXXX  Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX XXXX violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account on XX/XX/2021 to pay a friend. That transaction went through just fine. 

On XX/XX/2021 the same friend needed to send me XXXX At that time I learned my Venmo account was XXXX. 

I contacted Venmo through email and received responses indicating that I somehow violated their user agreement, and to unfreeze my account I need to send them a copy of my government ID. 

They have given me no explanation as to how my account violated They also say they sent me an email on XX/XX/2021 stating this BUT I never received that email. 

At this point I NO LONGER WANT OR NEED A VENMO ACCOUNT I called this morning XX/XX/2021 to find out how I completely close my account. 
I spoke to XXXX and then a supervisor named XXXX who said they can only close my account if I unfreeze my account by sending my government id. 

I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY AND HAVE XXXX FAITH IN THIS BUSINESS. 

I SHOULD NOT HAVE TO SEND A BUSINESS I DONT WANT TO DO BUSINESS WITH MY PERSONAL GOVERNMENT ID. 

I WANT MY ACCOUNT AND ANY INFORMATION ABOUT ME TO BE REMOVED FROM THEIR SYSTEM AND I SHOULDNT HAVE TO GIVE THEM MORE INFORMATION TO DO THAT. 

Thank you! 
XXXX XXXX
Product: Debt collection

I received a XXXX test on XX/XX/2022 and the test was covered by my insurance. I have received many, many, many calls from RMP Services LLC regarding this bill, averaging 2-3 calls per day. I told a representative that I would not be paying this debt because it is not my responsibility, it is not valid, it had already been covered by my insurance, and it was a COVID test which was being subsidized by the government so I would not have had a bill even if I did not have insurance - *I did have full coverage medical insurance at the time of the test and the test was 100 % covered by my insurances*. Despite telling the representative this and to stop calling, the company has continued to call and harass me. 

I got the written notice in the mail, and tried to get more information as to why I am still being harassed and on the fraudulent debt through XXXX XXXX 's website but the account number attached to the debt letter is invalid. I have tried calling the number on the letter and have been disconnected every time a representative answers the line.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I noticed multiple billing errors. The recorded late payments do not correspond with my regular payment history.
Product: Debt or credit management

There is an app called kick off it is charging me money for a loan I don't have any have never got from them when I asked where my credit card is or what the loan is for they have no answer XXXX XXXX XXXX XXXX XX/XX/year> Can u please check into this
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$8700.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood
Product: Debt collection

Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .
Product: Debt collection

Company keeps sending me Emails saying that my grandmothers XXXX account that Im the holder of has a balance of XXXX dollars unpaid. XXXX has been contacted they do not have anything sent to collections. I tried to call the company but you cant talk to anyone without giving the last four of your social which of course I do not feel comfortable with because I know nothing about this company.
Product: Credit reporting or other personal consumer reports

Wife passed in XX/XX/2019. At that time, when I submitted credit applications, I was listed as dead. I finally got it straightened out, or so I though. I keep seeing my length of credit 3 years and months old with my oldest account being XXXX XXXX XXXX. I am almost XXXX XXXX XXXX and have had credit since I was XXXX. Would like all three credit bureaus review my records and correct so that I might just have a better credit report.
Product: Mortgage

giving an update on ocwen, last week i spoke again with a very nice lady named XXXX, spoke perfect english, understood everything she said and she wanted to check on our application and she needed a month of when our hardship began. i said around XXXX, 2011 and i dont even know if thats true, it was a guess, so she said ok i will put it in here myself and send you to underwritting. well today at XXXX. XXXX called from ocwen and said his agent number a little off bc you cant understand anyone except XXXX but it may have been XXXX but not sure, he said we just need to know the month of when your hardship began. i bout died but i said maybe XXXX 2011.he says ok i will input that myself and get you back to underwritting then he reminded me i had an appointment with our relationship mgr. tonight at XXXX and when they called it was a lady her id was XXXX couldnt understand her name but she proceeded to tell ask me if i spoke with XXXX today and i said yes and she said well if you can fax me a paper stating what month your hardship began in we can get you to underwriting. this is like the XXXX request for a hardship date in XXXX weeks. XXXX are you guys out of your mind. now i just found out that i have a bad XXXX well no XXXX wonder the second leading cause of a bad XXXX is STRESS and let me assure you ocwen that since you have been doing my family this way since 2011, you are the cause of my STRESS
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX XXXX and noticed some things are incomplete and not accurate. The projected completion date was XXXX XXXX for the following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

These reports are not removed I will upload letter from Experian showing completion date And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS 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
Product: Credit card or prepaid card

I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of anxiety as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.
Product: Credit reporting or other personal consumer reports

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 Account # XXXX {$420.00}. Has violated my rights. I am not the owner of this debt. Debt was settled with original debt holder.

15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and as a result numerous business accounts credit cards and even taxes have been filed in my name .My identity has been stolen Inumerous data breaches and business credit card was opened up in my name XXXX  XXXX  account number XXXX this account is not mine and is reporting on my report on XXXX XXXX 2024  you deleted account # XXXX please remove account from my file because this account is not mine
Product: Mortgage

I attempted to pay our XX/XX/2022 Citizens One Bank mortgage during the week of XX/XX/XXXX through XX/XX/2022. Apparently, Cititzens One Home Loans online account www.citizensbank.com was changed to Citizensonebank.com.

When I attempted to setup a new login at the new website, it did not recognize my phone number at the new site. Between the old site and the new site, there were 5 phone numbers to call for service. Starting on XX/XX/XXXX, the hold times were extremely long ( over 1 hour ) and often times, I was disconnected before someone answered. 

On the XXXX I finally got through to the rep after 1 hour and 45 min. She said she couldn't help me ( Name - XXXX ). XXXX then transferred me to XXXX. I could hear men talking in the background while she was working from home. She asked me for my full SS # which I refused to give because of the people in the background. I said I could provide her with other info such as my mortgage # which she refused to take. I also asked her for an employee #, which she refused to give. I then requested to be transferred to her supervisor. This was over 2 hours into the call. 

Her supervisor was very professional. He did not understand why she refused to give her employee # to me as that is their customer service identification number. He was not able to help me either, but concurred with me that asking for a social security number in full, in an unsecured call setting was inappropriate for the company and employee to do. 

Any company whether a bank, mortgage, investment, medical, etc type of company that holds identity data should not be using FULL social security numbers as a verification method. My identity could have easily been stolen by the people in the background or even the employee. 

I think that Citizens One Bank needs to find a new verification method for home loans and mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX  XXXX XXXX. When I contact XXXX  XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.
Product: Credit card

My wife and I planned to attend an event hosted by XXXX  XXXX and paid {$100.00} to attend the event on XX/XX/2024. The event was canceled ( or did not exist ) because we were turned around and denied entry when we showed up for the event. The merchant did not issue any refunds, and refused to acknowledge or assist with refunds. 

I disputed the charge with Discover because the merchant did not render the services we paid for, but Discover would not remove the fraudulent charges or assist me in getting a refund.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX **** Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX