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 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 XXXXXX/XX/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: Checking or savings account

I had a Handy Man that I contract with go into the locked building after hours and enter my office and take 2 checks from two different accounts from my desk drawer. He then proceeded to write 2 fraudulent checks to his company, forged my signature and emptied out my accounts. I filed 2 complaints with chase and a police report. Both claims were denied by chase saying I was negligent by not locking my checks. I let them know that the signatures on the checks do not match mine and therefore they were negligent by paying the checks. They will not refund the money.
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX XXXX XXXX XXXX XXXX  was sent to someone I didnt know through Zelle. Whoever did it hacked my Zelle account, which l no longer used after the incident happened. They changed my number, and sent {$470.00} to someone I do not know. I tried to get it fixed at the time when it happened. My bank at the time using Zelle was XXXX XXXX XXXX XXXX The bank didnt do anything, and neither did Zelle XXXX This was my first time ever using Zelle. I have the emails still to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain and asking for your help to investigate this matter. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

About ten years ago, Citizens bank and myself had an agreement that in order to avoid monthly charges on my checking account, I will have {$10.00} transferred monthly from my IRA Savings to the checking. 

Now that I closed my checking account in XX/XX/year>2024 and moved the funds elsewhere, I thought that the {$10.00} transfers would stop since there is no checking account. Alas, the transfers continued in form of a XXXX XXXX  monthly checks sent to my home address against my wishes. I asked the bank numerous times to stop these withdrawals and leave my retirement account alone, to no avail. These monthly withdrawals from my retirement account are unauthorized and need to stop. 

I of course will move my retirement account elsewhere but it takes time. Meanwhile the Citizens bank does with my funds as they wish.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX PATHFWD/OPOR XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission XXXX FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Legal Grounds ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late reported on my credit report. This is for a property I own that was in escrow. Had the escrow closed as planned, there would have been no late issue. What happened is that the buyer, literally at the last moment, at the closing, decided to back out of the transaction. I had taken the property off of auto-pay knowing that the mortgage balance would be paid in full when escrow closed. In the days that followed, as I was trying to find out why the buyer had backed out, I forget to put the mortgage back into auto pay mode. I was surprised when I received the late notice and called the bank. I spoke with their customer service department. I told them I was surprised by the late payment. They looked at the file and said 'this was in escrow, correct? ' It dawned on me then what had happened and when I asked for some consideration, noting that I had never been late before, the customer service person was very dismissive of my request saying something like " no, you were late and that's just the way it goes. '' Yes, it was in fact late, but given the circumstances, which the bank knew about, I do think they could have exercised some discretion rather than damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy over 12 years ago, it has been discharged for over 10 years and it is still showing on my credit report and they have not removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read carefully -- I applied and received a loan from Navy Federal. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. Navy Federal is reporting this account as a mortgage. I defaulted on the loan, Navy Federal agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

Years ago I discovered that someone was using my information to get a phone in XXXX At once I contacted both XXXX and Equifax to notify them about the problem and also forwarded the information on the XXXX department that I had contacted. XXXX fixed the problem, but I have been fighting for years to get Equifax to fix this problem and remove the problem. But as of today they are still reporting the XXXX address as mine and not as the Identity Theft that it was. I am very frustrated with Equifax for ignoring this problem and not even responding to my many communications with them!!
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 XXXXXXXX XXXX XXXX  - Reference number - XXXX Record type Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reference number XXXX XXXX Record type Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting or other personal consumer reports

In the month of XX/XX/XXXX, I made a payment for XXXX prior to my statement balance date ending on XX/XX/XXXX. Prior to making a payment, I owed {$380.00}. I paid XXXX month, XXXX before my statement balance ended. After I paid, on the following day, XX/XX/XXXX, I was told that I was XXXX dollars short of my payment and I will be reported to the credit bureau in 2 days and I was. After all of the years of being a longtime capital one customer for XXXX  years, making XXXX late payment in XXXX and XX/XX/XXXX due to an illness and job reduction, I was recently reported late XXXX days late to all XXXX credit bureaus. This is very disappointing, and disgraceful. My husband and I are currently pending for another mortgage loan and due to this late payment, I can no longer qualify. This is a big loss for me and my family and I would like for my report to be updated and/or reimbursed for the damages.
Product: Bank account or service

I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account. 
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan. 
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments. 
I just want them to stop trying to process the payments against this closed account.
Product: Money transfer, virtual currency, or money service

This is what I wrote to Chase Bank. I have called the local branch in XXXX at least 30 times over a two week period, and I only get their answering machine. 

On XX/XX/2022, Chase Bank XXXX ( Branch XXXX, XXXX  and XXXX ) made a wire transfer for me. I asked that {$20000.00} be transferred from my account to a XXXX XXXX. The young man who arranged the transfer was XXXX XXXX. He prepared the documents, asked me to review them and I did. I then signed the documents. What I didn't notice was that Chase had converted my {$20000.00} USD to XXXX dollars ( XXXX  ) BEFORE the transfer. I did not want my USD converted to XXXX. Chase used an exchange rate of XXXX. The published exchange rate for that date, from many different sources, was XXXX. This caused me a loss of {$780.00} dollars!! Why was I not informed by your employee that not only had they converted my USD to XXXX, but that it would cost me {$780.00} USD?? Is this how Chase takes care of its customers? So now I have paid a {$50.00} wire transfer fee, and an additional {$780.00} for a {$20000.00} transfer. I'm sure they will say, " Well you signed the document. '' Maybe so. But I should have been VERBALLY INFORMED about the details of the transfer, and how much their exchange rate was going to cost me, to make sure there was no misunderstanding. They did not do that. 

A significant question - from where do theyu get their exchange rates? Is the terrible rate they gave me just another way Chase takes money from its clients?? What is their justification for that pathetically bad rate they gave me? They say that they have no control over currency exchange rates. If that is true, something is wrong with their system. The rate they used was nowhere near the published rate for that day. 

The overcharge should immediately be refunded to my account. 

I hope I have made a mistake in my understanding of the situation. But my understanding is that I have been robbed of {$780.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX university # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Please correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Checking or savings account

Trying to download the app XXXX for payday advances. 

My capital One bank account is blocking my data so that I cant accept money.
Product: Debt collection

Midland Credit Management also known as MCM keeps calling my cell phone number. In the past they would leave voice mail messages. Now they call from different numbers, even on the weekend. 

I do not owe a debt to any debt collector yet they keep trying to contact me by phone. If they believe I had a true debt they should send me a letter in compliance with the federal Federal Debt Collections Practices Act and its Florida counterpart.
Product: Checking or savings account

Company closed account after company placed duplicate credits on account following disputes. Company had been previously complained on and seemingly sabotaged account holder in effort to close account or scam out of money and close account as a phishing attempt was made on the same day credits were received and this doesn't seem like a coincidence. Agent was very rude when initially learning of account closure stating USAA no longer does business with you goodbye. Without stating the nature of the closure or that duplicates has been placed on account by a USAA analyst. This company needs to be thoroughly investigated as I am certain there is someone commiting fraud in house and putting a lot of hard working Americans financial state at risk.