23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : State ID ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXXXX  ) Bank : XXXX XXXX XXXX XXXX ( Open XX/XX/XXXX Account # : XXXX Account # : XXXX Routing # : XXXX Routing # : XXXX Bank : XXXX XXXX IL ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Incident Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

Credit Cards : XXXX XXXX XXXX XXXX Account # XXXX on XX/XX/XXXX Car Loans : XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It has come to my attention that KOVO INC. is reporting my transactions with its company to the consumer report. KOVO INC. has reported a transaction on an account on XXXX  between the consumer XXXX XXXX and KOVO INC. and according to the FCRA XXXX XXXX XXXX A ( XXXX ) ( a ) ( XXXX ) except as provided in paragraph 3 the term consumer report does not include reports containing information solely as to transaction history between XXXX XXXX and KOVO INC. is excluded from the consumer report. Delete this transaction history from the consumer report. 

Also It is illegal to report transaction history or late payments under 15 USC 1666.
Product: Credit reporting or other personal consumer reports

EXPERIAN REPORTING A FRAUDULENT XXXX ADDRESS I HAVE ASKED TO REMOVE ALSO A FRAUDULENT ACCOUNT WHICH I PROVIDED A POLICE REPORT FOR AS A VICTIM OF DATA BREACH AND IDENTITY THEFT I HAVE PREVIOUSLY BEEN. I HAVE DISUTED THIS WITH AFFIRM AND PROVIDED POLICE REPORT. ALSO LISTED COMPANIES XXXX XXXX AND XXXX XXXX  WERE THE RESULT OF HUMAN TRAFFICKING I HAVEASKED THEM TO REMOVE IT A MONTH AGO WITHIN FOUR BUSINESS DAY.S STILL NO RESPONSE ALSO MULTIFPLE UNAUTHORIZED INQUIRIES
Product: Debt collection

Received a letter claiming I owe debt on a Debt that was paid in full more than ten years ago. Called Convergent Outsourcing Inc to dispute the debt informed them that it was paid in full over 10 yrs ago. Later received another letter requesting information to complete the their investigation. As of now my bank I was unable to pull up my bank history due to the age of the acct. I feel that the original lender XXXX sold a debt that was already paid.
Product: Vehicle loan or lease

I have been going back and forth with Capitol Auto Financing to resolve this matter but they have refused to budge ; it will be four ( 4 ) coming up on XX/XX/XXXX and this matter is still lingering. It has truly affected my credit score and has jeopardized my chances with a lot of lenders because it sends a message that I am a credit risk and a person who does not pay their bills, which is far from the truth. I am in the process of applying for a home loan and I need this information removed from my account immediately. 

My daughter got into a car accident on Wednesday, XX/XX/XXXX, when a driver ran the light, crashed into her vehicle, and caused the vehicle to be damaged beyond repair. Upon XXXX XXXX XXXX inspection of her vehicle they declared her vehicle to be a total loss and made the arrangements to pay off the remainder of the car loan with Capitol One Bank. After Capitol One Bank was paid by XXXX XXXX they demanded an additional {$2100.00} but XXXX XXXX refused to pay it. We told Capitol One Auto Financing to utilize her GAP insurance to pay the additional amount owed but they refused to seek the money from her GAP insurance. Instead they have been asking us for the money. As of today this debt of {$2100.00} is sitting on my credit report as a DEROGATORY Account though they sold this account to another company and have declared it as a CHARGE OFF. I have been trying to resolve this matter with Capitol One Auto Financing and they have REFUSED to do so. 

Attached is a letter that will give some clarification as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts. I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off my BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. No one never told me ( BENEFICIARY ), I could opt-out because I have right to privacy. I am also requesting this information that is due to identity theft be block within 4 days being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request to block the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER. And the law says section 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE XXXX RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Product: Credit card or prepaid card

Each time I use my card to make payment to XXXX  my information is used to make unauthorized purchases. Recently on XXXX XXXX I received a call from XXXX 's XXXX asking me to confirm a purchase, the agent and I agreed that it was a fraud purchase. I contacted my card company after speaking with the XXXX 's XXXX agent to advise them that the charges were not authorized, the XXXX agent cancelled the card and mailed out a replacement. The funds were left pending on my account now XXXX wants me to purchase a fax machine to fax over my fraud statement that I made to XXXX 's XXXX. Because I do not have access to a fax machine my funds will stay pending on my account, PENDING : XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In XXXX, while reviewing My consumer credit report, I noticed an several unauthorized accounts. On XX/XX/scrub>XXXX XXXX XXXX I provided XXXX notice of these unauthorized accounts. In said notice, I requested the following information : " Provide all of the following information and submit the appropriate forms and paperwork back to Me along with the Affidavit signed in accordance with 28 United States Code Section 1746 within thirty days from the date of your receipt of this request for validation and proof of claim : i. Alleged Name and Address of Creditor : ii. Name on File of alleged debtor : iii. Alleged Account Number : iv. Amount of alleged debt : v. Date that this alleged debt became payable : vi. Date of original charge off or delinquency : vii. Amount paid if debt was purchased : viii. Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; ix. Furnish a copy of the original promissory note/agreement redacting My social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for My own and a judges inspection should there be a trial to contest these matters ; x. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect ; xi. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt ; xii. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note ; xiii. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity ; xiv. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable ; xv. Provide verification from the stated creditor that you are authorized to act for them ; xvi. Verify that you know and understand that contacting Me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of 18 United States Code Section 1341. '' I was not provided the requested information nor resolution to this matter. It is a violation of the Fair Credit Reporting Act for XXXX to knowingly and willfully report invalid reports on My credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and EXPERIAN as they are all corporate constructs which are incapable of contracting with me are falsely reporting inaccurate information without my consent, without a mutual contract, nor written agreement documented on paper under wet ink by XXXX parties, ( full disclosure-is the united states securities and exchange commissions ( SEC ) requirement that publicly traded companies release and provide for the free exchange of all material facts that are relevant to their ongoing business operations. 
Full disclosure also refers to the general need in business transactions for both parties to tell the whole truth about any material issue about any transaction. 

by utilizing my information and distributing to various other entities their Continuing financial crimes enterprise ( XXXX ) under 18 U.S.C. 225 committing FRAUD, Fraud under 18 U.S.C. 1341, 15 U.S. Code 1611- Criminal liability for willful and knowing violation, 15 U.S..code SEC. 2 monopolizing trade a felony : penalty
Product: Credit card or prepaid card

Since XXXX of 2020 I been charged for services NOT being approved by myself as the card owner. I been attempting to locate the phone I sold with no luck with my wallet. The wallet has been used since last year XXXX and I have not been approving it. Ive asked apple for assistance over 100 times with no luck. My bill is now {$7500.00} I owe a lot of money that I did not approve, I have been asking for apple to reach out to me and investigate this and ask for assistance with no luck.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open account this discrepancy remains on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. This unresolved credit report issues have caused me significant stress and financial hardship. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. I kindly request that you take immediate action to thoroughly investigate and correct the late open account account from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. I am asking for your assistance to correct the account : XXXX XXXX  XXXX Balance : {$390000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX card was over the limit of {$1000.00}. by {$3.00}. The amount of {$3.00} was allowed to go the limit by XXXX, not by my choice. I didn't authorize that or agree to it. Because of this I was immediately reported to the three major credit bureaus, and each of them dropped my score score by XXXX point. XXXX. Not XXXX or XXXX, but XXXX, which sent my credit rating to " Poor ''. I have no recourse and was told by a customer service rep at XXXX that it was decided by an algorithm. 
As a single-father who started over in XXXX, ( in XXXX  I had perfect credit ), I have spent every year living below my means and trying to rebuild. It's taken me 5 years to rebuild my credit, point by point. I was only just up to " Fair '' last week, with the goal of reaching " Good '' so I could consolidate my cc debt and move on. When I had {$96000.00} in student loans wiped out my credits core barely moved up, only a couple of points. 

I've used a XXXX XXXX and XXXX XXXX to monitor my credit and help repair it, but now it's gone... wiped out and literally destroyed by a {$3.00} overdraft, which I did not agree to. XXXX could have just declined the charge. How is this legal? How is this disproportionately cruel, and destructive response justified or fair to me as a consumer? XXXX is selling my data to a credit bureau who then turn around and is allowed to use it against me -and sell it back to me in the form of " repair ''. It's an endless cycle of poverty and abuse. This is by definition indentured servitude. It's horrific and should be illegal. What do I receive from my data being sold? Who gave the permission to do this? I spent 5 years, 5 rebuilding my XXXX XXXX point at a time. One overcharge of {$3.00} should not ( legally ) drop my score by XXXX points.
Product: Debt collection

LVNV funding is actively reporting on my credit report claiming I owe them money. I have requested full validation from LVNV funding asking them to give me a copy of the contract I signed naming them as the creditor, showing they lent me money and my agreement to pay them back what they lent me. In addition, they have violated the Fair Credit Reporting Federal by accessing my credit report and furnishing negative information about me to the credit report agencies without my permission.
Product: Money transfer, virtual currency, or money service

I have a complaint for transferwise now the company change the name to wise.com i just try to send money to XXXX from my card i m not XXXX much rich person wise company will deduct payment from my card n from.the bank but they will not transferring the payment to XXXX and the shocked thing he will destroy my account automatically i just receive a mail your email address is change either i m not changing my email now i try to login but app show me email password wrong pls kindly call me.whenever you have the solution and transfer wise does not have the customer service or any helpine
Product: Debt collection

CHAPTER XXXX BANKRUPTCY ( USBK COURT NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file. This account does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Remove these inquiries, please. I have no knowledge of this situation, and the company did it without my consent.
Product: Checking or savings account

am an XXXX  worker who holds an account with Chase. This was communicated to Chase at the time the account was opened. Last week I arrived in XXXX for work and contacted Chase to arrange for a wire transfer. My location was clearly communicated multiple times and several agents advised that this was no issue. 

When I initiated the wire transfer, it was flagged and I again called Chase this morning. They advised that not only the transfer was froze, but my account as well. No agent is able to access my information. They advised that I can only unfreeze my account by personally visiting a branch. This is not a regional bank from 1950. This is a massive global entity that operates in nearly all countries. Yet they deliberately misadvise customers about their product and it's availability for members of the global workforce. They falsely advertise the ease of use internationally and allow customers to deposit their salary, then seize that money leaving customers stranded. 

To be clear, if I can not pay my rent or buy airfare in a country like this, I will become highly vulnerable to dangerous and corrupt police. Each and every Chase representative is personally responsible for that. This will become a PR nightmare and legal case for Chase unless they find a solution for myself and all the other international workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
16. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX  18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX