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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date XXXX XXXX. XXXX XXXX, account XXXX date opened : XX/XX/XXXX XXXXXXXX XXXX  account XXXX date XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Checking or savings account

Last Friday, when I checked my Bank of America, checking account, which I opened here in XXXX, North Carolina, I noticed that the bank had cashed five checks from a gentleman named XXXX XXXX, totaling {$4100.00} ( check # XXXX for {$600.00} ; check # XXXX for {$930.00} ; check # XXXX for {$1300.00} ; check # XXXX for {$86000.00} ; check # XXXX for {$35000.00} ) At that moment, I called the bank to report it, and the Fraud Department is currently investigating the case. On Saturday morning, there were two more checks from the same person for {$1900.00} ( check # XXXX for {$530.00} ; check # XXXX for {$1300.00} ) which surprised me greatly since I had reported and requested an account cancellation the day before. 
Bank of America is investigating these fraudulent transactions, but I wanted to report to you because it is very likely that not only my financial information has been compromised but also my personal information. I will be taking the necessary steps with the Police of XXXX, the Fraud Section of the United States Department of Justice as well. 
I don't understand why Bank of America doesn't have a good financial security system and allows funds from my bank account to be used with checks that don't have my name or signature. I haven't even requested checks from Bank of America. Actually, what gives me the impression is a precarious system with few safeguards, which concerns me greatly because they have all my information, such as a copy of my green card, social security, and driver 's license. They request this information to open their customers ' bank accounts. 
I urge your assistance since I have not received any information in writing from the bank and I need my funds back. They mentioned that the process can take up to 90 days to have my money back. I hope you can help me to expedite my claim. 
Enclosed you can find print screen of checks and print screen of online statement. 
Thanks in advance,
Product: Debt collection

Validation Letter was sent to this company on XX/XX/2018. As of XX/XX/XXXX company has not responded to this request. 

Please see validation letter attached. This is not legitimate practice and I would like this item removed from my credit report.
Product: Payday loan, title loan, or personal loan

I Spoke to a customer service rep with Discover personal Loans at XXXX XXXX on XX/XX/23 and I was notified that I was pre approved for a personal loan in the amount of {$25000.00}. I asked the customer service rep to confirm a number of times before proceeding with the loan if my credit was pre approved, as I did not want to risk being denied and my credit being adversely affected. I was assured by the customer service rep a number of times that unless in the unlikely event that there were any changes to my credit between the soft pull and the subsequent hard pull, that my credit was pre approved. In addition, I was asked what documents I would need to provide in the verification process for the final loan disbursement, and I was told none. I was led to believe that the hard pull was only a formality. I agreed to proceed only to be notified that there is a long list of documents needed in order to proceed. I complied with all requests and was later notified that my request had been denied due to the fact that they were " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. In addition an a later phone call with a XXXX named XXXX at approximately XXXX XXXX, I was notified that I had never been pre approved, I had only been given a hypothetical rate should I have been later approved. 

The main issue of my complaint is that Discover personal loans in their Deceptive marketing, as well as over the phone from their customer service XXXX led me to believe that I was pre-approved so that I would apply for a loan. I had no prior relationship with Discover, I therefore would not have applied blindly were it not for them assuring me that I was pre-approved. It is unjust that my credit score be negatively impacted by a hard pull that was conducted over false pretenses.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Product: Money transfer, virtual currency, or money service

Cash app took my XXXX XXXX and I could not contact any customer service representative or customer support to resolve the issue
Product: Debt collection

This account is an not accurate I do not owe the amount stated on my credit report. The balance listed is not accurate at all. I wrote both the collector and the credit bureaus and have not received a response from either in this matter. They failed to respond within a 30 days period. Please remove this
Product: Debt collection

Start calling at XXXX am. Calling up to 15 times a day. I called and asked for them to please stop calling me over 10 times a day. The man said he would make a note so that they wouldnt and its still continuing. Today alone, 11 times and its only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's mechanism in place for consumers to view, freeze, or dispute credit information consistently fails. Accurate login information is rejected, there is no human representation to aid in correcting issues, and consumers without smartphones can not use the self-service phone tree to resolve issues as you are required to stay on the line and check your text messages simultaneously. Equifax does not support the consumer, but the consumer must support Equifax.
Product: Credit card or prepaid card

this account XXXX XXXX account number XXXX is a fraud account. ftc report has been provided to credit bureau this needs to be removed off my credit report. ftc report has been provided
Product: Money transfer, virtual currency, or money service

XX/XX/year> i thought this company was like XXXX XXXX transferred my money there soon as i do they restrict my account verify account i give them everything they want an then some government documents bank statements debit card number irs award letter court paper they all have the same address with my name logo of company they do nothing but keep rejecting everything so my money sat there for days i called got hung up on multiple times an call back no answer email no answer send them a message no answer they unlock the account for a few mins i guess idk at this point the min i see it i transfer my money back to my account i still have yet to see it its XXXX XXXX i filed a complaint with XXXX  an other sites and they are doing the samething to alot of other people to as well this company aint real its fake an there scamners my friend told me last night they had same problem when i found out they had a account the min i transfer the money back i wait again go back to there site they got my account restricted again still no money now my money isnt on there site or in my bank my bank says they see absolutely no pending deposit at all an said if the company released the funds it would of came up as a pending deposit charge from them an nothing so now my money has just vanished i never gave em account info i used my debit which should always be instant im sitting on broke XXXX dollars an can't do anything cause of them i even filed a dispute with my bank incase they are fake and scammers so no matter what it comes back
Product: Checking or savings account

During a recent trip to XXXX XXXX, Mexico, my phone was stolen. Subsequently, an unauthorized transaction of {$2000.00} was made to an unknown recipient. Upon discovering this fraudulent activity, I promptly filed a complaint with Wells Fargo. Despite providing all necessary information and evidence that I had no knowledge of or involvement in the transaction, my complaint was denied. This decision has caused significant distress, as I am now liable for a substantial financial loss that I did not incur.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX AcctXXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9700.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights.

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
Product: Debt collection

My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am authorizing this complaint on my behalf. I submitted FTC report on XX/XX/XXXX and XX/XX/XXXX for the false claims the credit bureau is reporting. 
I can't believe you guys are taking advantage of me. I AM VERY UPSET with XXXX they credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You
Product: Bank account or service

A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX XXXX since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Mortgage

My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.
Product: Debt collection

According to the Fair Debt Collection Practices Act my rights have been violated by this company and causing immediate harm to me and my damaging my name and REPUTATION also violating my right to privay and consent which I never gave. Refer to documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id thief due to exquifax 's data breach, since then I have noticed multiple accounts pop up on my credit report that I did not authorize. I have submitted my ftc report to the credit bureaus multiple times. XXXX XXXX XXXX also has a copy of this ftc report however it being reported negatively on my credit report and I would like this inaccurate information removed from my report stat
Product: Credit reporting or other personal consumer reports

Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : Experian : XXXX XXXX XXXX XXXX XXXX XXXX NOLINA PL XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX Balance XXXX : {$23000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance XXXX : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XX/XX/year> -- -- XXXX -- XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} FST XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA XX/XX/2015 Sold to XXXX XXXX XXXX Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.
Product: Checking or savings account

USAA is a legacy bank, and I added XXXX of my XXXX children to my family group, my XXXX oldest had also served and I didn't feel that they needed to be added. After changing banking practices last year, I made several complaints against USAA. When I uploaded my marriage certificate in XXXX, I requested new USAA cards reflecting my legal last name. They were finally mailed out two days ago, and may make my rent, electric, internet, and other bills tied to cards late. I tried setting up an account for my spouse, and after verifying everything, was told that they could not add him because one of the people on my list of family members needed to call them. They did not request this for when I added my ex husband, and did not request this for when I opened my son 's account. We called two more times, and were told that their computers were having issues. I don't really believe that last excuse, as I told the first person that I spoke with that I guess that I probably should send my direct deposit to XXXX XXXX. I believe the other two people just did not want to deal with it.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive addressed before an no action was taken. looking over all of the items in question to delete they are invalid on all 3 credit reports. please review an remove the items in questions to clear an correct my credit report asap.
Product: Checking or savings account

I received an email notification from Capital One of an email update I never made because my access to the account is STILL blocked from my use. 

I file a complaint this afternoon with this Bureau, CFPB and, approximately 2 hours later, I receive this notification which is harassment as I have absolutely no access or have accessed the account since before XX/XX/XXXX, when I discovered Capital One and one or more operatives conspired to block my access to the account. RICO. 

Duly noted on the record, and for the record, retaliation, intimidation, electronic stalking, both civilian and federal, under XXXX of law, authority and title violations to add to the potential forthcoming document claim for the court of record it appears.
Product: Credit card or prepaid card

Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response
Product: Credit reporting or other personal consumer reports

Subject : ID Theft Notification and Unauthorized Account Dear Credit First, I am writing to inform you that I am a victim of identity theft. My personal information was compromised, possibly due to a data breach from the California Highway Patrol. Consequently, a credit card account was opened in my name without my knowledge or consent. I have no association with this account and request that it be closed immediately. I also report to all Authority Agents regarding ID Theft. Please guide me through the necessary steps to resolve this issue and ensure my credit is protected. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX.