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

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. XXXX XXXX also has an account with another person on it. I did call and got things fixed with Experian but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX  and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A capitol one XXXX savings account was opened under my name and ssn fraudulently. I contacted them regarding having the account frozen and closed and to report the fraud. I was supposed to receive a call with the department to rectify this and I have not. I have never had any accounts with Capitol One nor am I trying to open any new accounts.
Product: Credit reporting

In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by Equifax that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON EQUIFAX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT EQUIFAX. EQUIFAX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I requested a money transfer on TAPTAP money transfer app on XX/XX/2023 of which the exchange rate was XXXX XXXX to {$1.00}. The transaction message came that the transaction was not fully completed because they need to verify my ID. I call to completed the verification on XX/XX/2023 and the customer service representation ( name withheld ) told me it has been completed and the money deposited in the recipient 's account. But on my end it showed " failed resend '' and I communicated this to the agent who instructed that I should go ahead and click " resend '' which I did but the money deposited was different from the original amount. He then said its because rate have changed which was not the original discussion and he confirmed that the initial rates is what they will honor. I requested that my money be refunded immediate and he explained that he will escalate my concern and request for refund. It has been 2 weeks now that I have not gotten my refund. Each time I call the customer services ( 4 times ) I was they are waiting on the local partner to initiate the refund. The local bank has reverted the transaction on XX/XX/2023 but Taptap kept telling me they has not received the refund from the local bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 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. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting or other personal consumer reports

I am writing because Experian is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried to call them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. Then they put me on hold which takes more than two hours to get someone to answer via a text message. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have their information stolen. They have wrong information that must be removed.
Product: Debt collection

I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.
Product: Debt collection

On XX/XX/2022, I received a phone call from A.R.M. Solutions, INC ( she identified herself as XXXX XXXX, asking to pay for a debt ( of {$16.00} for a XXXX XXXX subscription ) that I do now owe. I also received a written note that says the same thing on the same day. She asked me how I do not owe the debt rather than describing what the debt is, such as which month 's subscription and when the last payment was made. I believe the call is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly receiving harassing phone calls from XXXX XXXX  at XXXX XXXX XXXX XXXX, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, XXXX  XXXX XXXX XXXX , received a notarized Affidavit, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Mail. ( See attached documents ) Per the Affidavit, XXXX had 21 days to respond with a completed notarized Debt Disclosure Statement. 

As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from XXXX. This was the remedy provided to XXXX and they have failed to perform. I will be sending out a Notice of Dishonour to XXXX executives within the next 48 hours. 

All 3 Major Credit/Consumer reporting agencies were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Transunion- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.
Product: Mortgage

The transferred my loan to another bank without my knowledge now I cant communicate with this bank. 
I would rather some call my wife XXXX as I work during the hours of your operation. 
Her number is XXXX. 
She then can email our information. 
Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balances with Nelnet were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing 2 accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app. ( Block inc ) due to inadequate customer service and unfair practice, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud when their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirement under the electronic fraud, transfer act. ( EPTA ). And regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has compromised my wife 's and my personal financial data and have only limited solutions that may involve me forfeiting some legal rights. Hackers may now know my personal information as Equifax was careless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD A MEMBERSHIP WITH XXXX XXXX XXXX, I'VE BEEN TRYING TO CALCEL THIS SERVICE FOR TWO MONTHS. THEY ALWAYS PUT ME ON HOLD AND NEVER RETURN TO THE LINE.
Product: Checking or savings account

PNC will not cooperate/connect with XXXX as my other banks do
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/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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative on my consumer reports with XXXX and Transunion. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later Transunion and XXXX put it back on my report driving my score down. TransUnion and XXXX sent me a report stating that the accounts were verified. TransUnion do not have any reporting they just have the account as a bad debt. XXXX has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. XXXX and TransUnion did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed one payment The company decredited my credit by 80 % ive been with this credit card company for many years they took it upon themselves to investigate my other accounts and based on what they found did the decredit .. I feel they shouldnt of pride in my personal finances to make there decision..I read nothing of the sort in my agreement to credit card ..plus ive never missed a payment .. Now my score went down for one missed payment ... lts none of there business how many accounts i have
Product: Debt collection

I received two phone calls from a collection agency called XXXX on XX/XX/ the call transcript from my voicemail is as follows : Hi good morning this message is for ____ not heal XXXX him I'm sorry I ___________________ wrong I a.m. XXXX I work with a company called XXXX am I do have a file here with your cash net USA account the client here is getting ready to move forward him and I need to speak with you immediately him before they do that I can be reached back here directly into my office eat XXXX they did not disclose they were a debt collector and any information obtained would be used for that purpose. This debt is time-barred. I am not sure why I am receiving calls on it and threats of next steps. I also received a generic call on XXXX  which states : " Uh Hello, this is XXXX with the offices of XXXX. This message is to inform you that your account has been placed in our office. Please contact us back at ( XXXX ) XXXX XXXX to try and get your account back in. Good standing. '' Again no collection disclosure.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name, and I am requesting its removal from my credit file. 
Fraudulent Account : XXXX  - XX/XX/24
Product: Vehicle loan or lease

Huntington Bank has been asked several times to correct my credit report about missed payment,XX/XX/XXXX and balance.. They have done nothing to correct this.. I have made all payments since XX/XX/XXXX of XXXX on the second Wednesday of each month..Have gone through XXXX twice to get it corrected.. They also have my car listed as being in Chapter XXXX on payment plan and that info is not true..
Thank you for any help you can give to get this fixed
XXXX XXXX
XXXX XXXX XXXX XXXX.
XXXX,Ky. XXXX
XXXX
Product: Credit card

I have made numerous attempts ( starting in XXXX of this year, continuously through XXXX ), included letters of instructions, notarized power of attorney 's and made countless calls to JPMorgan Chase in an effort to resolve this matter, however JPMorgan Chase refuses to abide to the law in the acceptance of indorsed negotiable instruments to be credited against my account held by the United States Treasury and apply those credits against my balance ( currently in the amount of {$12000.00} ). They continue to deny receiving the payments even though I have signed mail receipts and is sent registered mail. When provided that information they then somehow " locate '' the payment, but then claim it was destroyed, stating they do not accept that " form '' of payment. UCC 3-603 ( b ) clearly states if tender of payment is refused by a person entitled to enforce the instrument, that there is discharge. In addition, all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-103, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), and ( 64 ). Pursuant to HJR 192, Public Law 73-10 and Title 31 USC 5118 prohibits banks/creditors from demanding specific specie of payment. All banks must process lawful United State Currency. Failure to do so is " interference with commerce '', a felony under the RICO Act, 18 USC 1951. Since JPMorgan Chase believed my payments had lawful reason to dishonor, they were required to return to the agent " me '', with lawful reason fully stated and citied, sworn under unlimited liability. This was not done by JPMorgan Chase and why I am filling a complaint to the FTC under FDCPA, 15 USC 1692a1. The latest payment ( tracking number XXXX ) has also been sent to XXXX XXXX of XXXX XXXX, listed as TRUSTEE for JPMorgan Chase on their latest XXXX XXXX  filing and XXXX has failed to respond or comply under the same laws and codes as JPMorgan Chase. In summary, JPMorgan Chase failed to fully disclose when opening my account, which is breach of contract and nullifies the contract and is an additional account of fraud being committed by their business practices.
Product: Credit reporting or other personal consumer reports

Hi I am a XXXX mom trying to make life work and to see all the fraud happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, XXXX and Equifax ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX XXXX closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX bank credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXXXXXX XXXX  I am suing because they did contract fraud and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
I c system ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( XXXX was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXXXXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX  ) I needed dental attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is XXXX.