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

A overseas call center for a creditor in approximately   XXXX   input my name incorrectly as  XXXX   XXXX . That name now shows as an alias on my credit file. I have disputed this with  XXXX  who stated that according to the creditor the information is correct even though I stated in writing  XXXX   XXXX  IS NOT my name, was added by an overseas call center employee who could n't understand my   XXXX   XXXX  , and I HAVE NEVER used that name!   XXXX   REFUSES to correct the error!!!!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently discovered fraudulent accounts on my credit report that are affecting my ability to secure credit. I kindly request the removal of these accounts from my report. 
XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2500.00} XXXX XXXXXXXX - XX/XX/XXXX - {$500.00}
Product: Credit card

I have a discover credit card for several years, so i for applied to a second discover credit card, got approved for {$6000.00}, of course its XXXX points lost due to hard pool from my credit due to application, screen says that my card will arrive in XXXX business days. So i planned to that approved XXXX K and did some home repairs at my house. Next thing in two weeks discover contacts me and request IRS transcripts and they lie to me by saying it is for identity verification where it is in fact its purely for my income verification. I am on XXXX. So that will not work for me and my income vary each year. I try to negotiate with them to provide 3 months of bank statement for income verification, but they said no. Only IRS. I relied on that XXXX dollars for my home repairs, and now i got XXXX over by some credit card company.
Product: Debt collection

someone went and got phones in my name at XXXX XXXX store with out me even knowing about it use my identity for everything
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

My name is XXXX XXXX I am a consumer and natural person I'm writing this complaint as a victim of identity theft. XXXX and Equifax has used and furnished my consumer report without my personal authorization, or written consent. XXXX and Equifax shared my nonpublic person information to other companies. I have a right to privacy and XXXX and Equifax has violated my rights by not exercising their grave responsibility to protect my non personal information with fairness, impartiality. and respect to my consumer rights to privacy. XXXX and Equifax are in direct violation of the Gramm Leach Bliley Act of 1999, and the FCRA. pursuit to 15 U.S Code 1681c-2 Block of information resulting from identity theft. I demand these fraudulent accounts be removed from my credit report with in the next 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I want to have prove I open those bank account I wrote XXXX   and call the bank no one seen to help me, please help me, I have seem bank information on my XXXX report that I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00} Creditors collection service
Product: Checking or savings account

From XX/XX/XXXX I was in jail got out XX/XX/XXXX. From XXXX XXXX my card was being used to around XX/XX/XXXX totaling in the amount of {$3100.00}. They keep not approving this. I've sent documents of such
Product: Checking or savings account

I had a Checking Account with Bank of America that the bank told me they were going to close. No reason was given for this account closure. I had been using this account without issue for close to 8 years, primarily for automatic bill payments and direct deposits. I was told my account would become restricted on XX/XX/XXXX. 

My billpay for a credit card, also with Bank of America, was charged to this checking account twice, ( first charge on XX/XX/XXXX for amount of {$310.00}, and second charge on XX/XX/XXXX for amount of {$310.00} ) with the second charge being a duplicate error charge. Both charges were for the same amount. This resulted in my account balance going negative, and resulted in that charge and subsequent charges to be issued overdraft fees. XXXX {$10.00} overdraft charges were charged on XX/XX/XXXX. 

I also am certain I had opted into overdraft protection on this account. However, due to interface changes in the app, I can not find evidence of this. 

When attempting to call Bank of America to resolve this issue, my account was already restricted, and they refused to offer more information on the timeline of events, and how it was possible for XXXX autopay charges to occur and result in overdrafting. 

Bank of america representative told me i would have to petition to temporarily unfreeze my account to gain this information. They refused to notify me if my petition was successful or not. I was instructed to call and ask about the outcome in XXXX business days. If the petition was unsuccessful, I was told I would have to petition again. I think this is a predatory practice to refuse to investigate a bank error without making the consumer jump through many hoops. 

Overall, the overdrafts were caused by a duplicate XXXX XXXX charge. Bank of America has since restricted my account and refuses to provide clarity on how this occured. I am not sure how to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Product: Checking or savings account

My. Wells. Fargo. Acount. Was. Hacked. Several. Times. And. Wells. Fargo. Refuses. To. Credit. My. Acount. Even though. All. Requested documents. We're. Forwarded. To them and. Submitted. To. Them and. Refuse. To. Cooperate. With. Me. XXXX XXXX. Customer. Of. The. Bank. Creating. Problems. For. Me
Product: Credit reporting or other personal consumer reports

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : XXXX Account # : XXXX Balance : {$13000.00} Opened Date : XX/XX/year> Account Name : XXXX Account # : XXXX Balance : {$0.00} Opened Date : - High Credit : {$300.00} Account Name : XXXX Account # : XXXX Balance : {$0.00} Opened Date : - High Credit : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX XXXX XXXXXXXX, and Experian. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. XXXX15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Student loan

I 'm writing in pursuit of my owed money from my private loans. I have consiladated twice and my payments exceed well over XXXX $ month. I have joined XXXX and XXXX for 5 years and have received no discount or lower payments because of my civil service. I was told I was ineligible.
Product: Credit reporting or other personal consumer reports

checked my credit report and there were unauthorized charges and credit runs- false information reported
Product: Bank account or service

I paid XXXX mortgages using my Suntrust business checking account. 
On XX/XX/XXXX online banking showed I had insufficient funds but all XXXX were posted, not pending or on hold, and I was charged {$38.00} for each for insufficient funds. The next day, XX/XX/XXXX, Suntrust added an additional {$38.00} return fee for each of the XXXX. This was in addition to the {$38.00} insufficient funds fees. I think I should have been charged one or the other, not both.
Product: Mortgage

XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.
Product: Credit reporting or other personal consumer reports

I recently look at a copy of my credit report and noticed several inaccuracies on multiple accounts these accounts are hurting my ability obtain credit. It is my understanding that you will investigate these items for me to assure accuracy. Below are the items Im asking you to verify as accurate. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

I had previously transferred about XXXX dollars of ethereum to my coinbase account and logged in today to find that they have transferred half of it to themselves as it now says " sent to coinbase ''. I had no say in the matter and simply want my money back. Nothing more.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Best Buy Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting

I have constantly disputed this item with all XXXX bureuas and XXXX have deleted this item from my report except Experian!!
Product: Checking or savings account

I opened a Citibank Priority account on XX/XX/XXXX. In order to receive the offered bonus as well as avoid account fees we transferred {$50000.00} into the saving account. On XX/XX/XXXX I realized that our checking account is marked as closed. I had a phone conversation with an agent, who was unaware of the reason of the closure, and told me that she submitted the complaint and someone would contact me within 48 hours. Four days later I have not received any communication from Citi and upon checking my account I found out that ALL of my money - {$50000.00} - were withdrawn by " Other ''. The phone agent XXXX told me that it was Citibank itself that withdrew my funds, marked my Saving account for closure and would mail me the check. She said she did not see why they closed the account. She could not give me any other information. She also refused to give me any written confirmation of what she said. I did not receive any notification of this withdrawal. I had then talked to an agent on Citi website live chat : the chat agent somewhat contradicted the information, stating that she saw both accounts as fully active, and the check WAS mailed to me on XX/XX/XXXX. She could not provide me neither with tracking information, or any other information regarding how this withdrawal happened. She also refused to say what would happen if I do not receive the check, just like I have never received Citi Debit card, which they, as it turned out, never sent. It is outrageous that they simply withdrew this huge amount of money I trusted to this bank without any notice, and refuse to give me any guarantee of when I will get my funds back. I have no reason to believe that the check was mailed, and I have to time to wait because I need my money to be available to pay my bills.
Product: Debt collection

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts listed below are a result of Identity theft. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX  Identity Theft XXXX XXXX Identity Theft XXXX XXXX XXXXXXXX Identity Theft XXXX XXXX Identity Theft XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Identity Theft XXXX XXXX Identity Theft XXXX XXXX Identity Theft XXXX XXXX Identity Theft XXXX  As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

In XXXX of XXXX, I, XXXX XXXX XXXX, filed a complaint against Santander Bank with the CFPB. Santander Bank allowed a former junior business partner, XXXX XXXX XXXX, to open an account without my presence in XXXX, XXXX. He opened this account as an LLC, though he never formed an LLC, did not provide the necessary paperwork, and the business was never registered in his name anywhere. The business was always only registered as a DBA in my name only. Further, he used his home address in XXXX, MA, and his PO Box in XXXX, MA, as the business address, and the business mailing address, respectively. My business was only ever located in XXXX, MA, and registered in my name only. In XXXX, XXXX directed me to use the LLC on invoices and checks, as Santander would only recognize checks in the LLC for which the bank accounts had been opened in, and would not accept checks in my DBA ( see attached emails ). When Santander responded to my initial complaint, they stated the accounts were open as a DBA. In our later, correspondence, they admitted the accounts were open as an LLC, and claimed they could not establish whether or not they had performed their due diligence in opening the accounts. Over the years, XXXX XXXX XXXX, was able to control and exploit his position as account holder, accounts that should never have been opened by Santander bank. On XX/XX/XXXX, I finally forced myself on the accounts. I told the banker, XXXX XXXX, I was very nervous XXXX would steal the funds. I tried to open a new account, but Santander said I could not, as we were an LLC. I froze the accounts, in every attempt to  protect the company funds. On XX/XX/XXXX, Santander Bank allowed XXXX to unfreeze the accounts, and deplete the funds, buying a bank check in the amount of {$15000.00}, and withdrawing {$9500.00}. In the end, I researched the LLC, found we were not an LLC, and only then, was I able to open the accounts with Santander as a DBA, which was all the business was ever registered as. The bank failure allowed XXXX to manipulate me and take funds he wasn't entitled to for years, culminating in those final transactions, and eventually causing the failure of the business and my many years hard work.
Product: Credit card

Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the o
riginal sig

ned consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if youXX/XX/XXXXfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXXXX/XX/XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XX/XX/XXXXXXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XX/XX/XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX