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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used MoneyGrams online transfer services to transfer money from my XXXX XXXX account to my regular checking account via my debit card the service state quick secure transfers to this date today XX/XX/XXXX my money is in transit. I have contacted both MoneyGram and my bank the amount I was transferring was XXXX dollars which I found out from my banks cards services department on XX/XX/XXXX that the have a limit on the amount I can transfer onto my debit card which is XXXX my bank has been amazing they raised my limit to XXXX for the money transfer to happen of course MoneyGram is stating that its moved up to their upper management level to be investigated as to why my transfer failed. I have contacted them ever day to get an update on my money if I found out myself what occurred why it failed then it should not take MoneyGram to find out what occurred but each time I speak to them they tell me it could take up to 120 days to return my money to me. Back in XXXX my checking account had been compromised and had to be closed immediately so I had all my money put on a XXXX XXXX  card until my new account was opened and safe, so now my money is stuck in moneygrams system and with everything going on money is tight and this was the last thing my family needed to happen. I hoe you can find out more then I can and hopefully everyone who reads this will read the fine print encoded with MoneyGram services Thank you and good luckb
Product: Mortgage

We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, never applied for any car loans or attempt too apply for a loan due too stolen identity.
Product: Money transfer, virtual currency, or money service

I send money on XX/XX/XXXX to a company called XXXX XXXX. The leader is XXXX XXXX. with office in XXXX and XXXX. I send XXXX which is the fee for his organization to find me partners to finance my projects in XXXX XXXX. Their time line of 12 month past on XX/XX/XXXX. I ask for the money to be reimburse and they promise to do that. 

WELLS FARGO BANK did not poste the Money {$3100.00} I made a claim om XX/XX/XXXX. Wells Fargo agents keep telling me that they are still working on my case until XXXX day XXXX Agent from Wells Fargo told me the XXXX XXXX  WHERE THE MONEY SAID THE COMPANY XXXX XXXX REFUSED TO REIMBURSE THE MONEY. 

I went to a local Branch to Complaint. I taked to XXXX XXXX Associate Personal Banker NMLS ID ; XXXX. XXXX, ARIZONA. 
XXXX XXXX call the Transfer Services of WELLS FARGO and they verified my Identity and ask XXXX XXXX if I was in person in her office? She said Yes. After that they told her to tell me that my case still open. 

Right the way I find out that there is a fraud taking place. XXXX XXXX told me the Transfer services want me to go home and they will write to me by email. Until today I did not received any email about my claim from Wells Fargo. I call XXXX XXXX and they telling her the same story. 

I am coming to you to complaint against Wells Fargo Bank to Reimburse my {$3100.00} in my Checking Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account inaccurate account with Trans Union and XXXX and after their re-investigation they marked the account as accurate even though there is a different persons name associated with the account and the name does not match the social security number associated with the account.
Product: Checking or savings account

XX/XX/XXXX at XXXX XXXX  receive an email debit card locked. 
XXXX XXXX  immediately because I have the card in my position XXXX XXXX  receive an email you added XXXX XXXX to your XXXX account XXXX XXXX  receive an email you send XXXX XXXX {$2700.00} I am still on hold trying to reach Bank of America because I do not know this person I left work and drive to the bank while still on hold, arrive at the bank had to joint a line to go in the bank due to COVID-19 Finally got in the bank at XXXX still on hold with the Fraud department, explain the agent what was going on and if I should hang up she replies no because I also need the Fraud department. 
The agent assists with the reissue of a new debit card and also changing the online password and had to wait now for an agent to pick up. 
XXXX from the fraud finally pick up explain to her what was going on she said she can stop the payment and place the money back into my account. She places the {$2700.00} back to my account and assists in changing my user i XX/XX/XXXX the money was again missing from my account call the fraud department again spoke with XXXX explain to her again what took place she said the account should have been close once the account had fraud done on it, she then closes the account and file a claim and advised will need to transfer me to get a new account open and once that's complete she will transfer the balance into the new account and the claim should be done within 10 business day. 
The new account was open and balance from the old account transfer, I continue to call Bank  every day advised still working on the claim. 
XX/XX/XXXX at XXXX XXXX  receive email claim denial because the transaction was validated using an authentication code sent to a valid phone number belonging to a signer on the account. I then call the bank to explain that I didn't receive a text-only an email request copy of the text on XX/XX/XXXX Bank of America then send me a copy with 2 texts one at XXXX on XX/XX/XXXX and the other XX/XX/XXXX at XXXX XXXX. why would that prove that I approve transition because at XXXX on XX/XX/XXXX I receive that text to verify looking up my user id and on XX/XX/XXXX I receive a text to verify my identity Bank of America can not send me to prove of any text that was sent on XX/XX/XXXX between XXXX when the money was taken from my account at XXXX WHY would I be getting a text at XXXX and on XX/XX/XXXX at XXXX XXXX. Need some assistance
Product: Credit reporting or other personal consumer reports

Disputed more than 3 times company failed to actually verify the incorrect information.
Product: Money transfer, virtual currency, or money service

I called chase prior to going into branch to get a money order and I was told I can buy a money order and put a stop payment if I have any issues, loose or have it stolen. 
I walked into the bank Saturday morning XX/XX/year> and the teller gave me the money order and did not disclose any additional information about my transaction. On the money order it states I am able to put a stop and have it reissued by going into the branch. I called customer service that day to have a stop out and they said ok. The processed the transaction incorrectly and charged me a {$30.00} stop payment fee. I called Monday and as told the the person in customer service advised me wrong. I went into the branch on Tuesday because Monday was a holiday and they were closed. They refused to place a stop payment of the money order and now said they were unable to. I was told an alert was placed on the money order and they are monitoring it. The complete opposite of what I was initially told. Chase never disclosed at any point any additional terms and conditions around money ordering processing and it does not state any additional terms on the money order. I was told to come back on Wednesday. I came back Wednesday and explained I again I was a victim of fraud and requested the money order be stopped. They now told me the money order is being cashed and they are unable to stop it. I was mislead from begging to end and handled poorly by chase even as a client with outstanding history and a lot of money in their bank. Chase has cost me {$1600.00} and has refused to take accountability or process a claim on my behalf. They have told me its a personal problem and even one of their customer service reps has told me its my fault and I am irresponsible. I was refused a claim and told to persuade the matter civilly. Chase has taken zero accountability for their misleading actions that lead to my ordeal and has refused to submit a claim or offer any options or solutions for their misleading statements and misrepresentation and mishandling of my funds. They charged me for the money order and an in house rep on Monday refused to put a stop and on the phone even stated he didnt want to do to much because he didnt want the branch or him to talk on liability. I will be withdrawing all my funds and heading to another bank because of this. Poor customer service reps and poor training and misinformation given to clients can prevent these issues but they refuse to take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 U S DEPT OF ED/XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX  ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00} XXXX  XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPA DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Bank account or service

My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. 
Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. 
In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. 
I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. 
There are XXXX documents to be attached with this complaint.
Product: Vehicle loan or lease

California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/21, I received a notice from First National Collection Bureau advising of an alleged credit card debt which was not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified Experian that I am a victim of identity theft and there are fraudulent accounts reporting on my credit report
Product: Credit reporting or other personal consumer reports

I have request a investigation of Fraudulent Account on my Equifax report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Bank account or service

My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are not resolving credit disputes that was fraudulently applied for.
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Equifax Inc. ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.
Product: Credit reporting or other personal consumer reports

One Main Financial refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my XXXX title, and refund me my money already paid ( interest ) on a loan that was already paid.
Product: Debt collection

On XX/XX/XXXX I moved from my last address XXXX XXXX XXXX. Everything was paid and discharged ( from an amount was not pay because the building did not accept the government help i got to be on time with my rent ). We left with {$0.00} balance as everything said when we signed. on XX/XX/XXXX I started to get emails, calls and letters from Sequium Asset Solutions LLC about a collection from the amount of {$15000.00} I explained them what happened and that I did not own this debt and they asked me to get in touch with the company and ask them to call the collect company directly to end the process. I sent a lot of emails and call too many times asking for this help but did not get an answer from XXXX. 
The collection is now charge in my credit report affecting it a lot and just on Friday XX/XX/XXXX I got an email from the building manager that sent my the balance due report as {$0.00}.

But they don't like to contact the debt collector to stop the process and remove the collection from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling XXXX, XXXX, and Experian on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to Experian but once calling Experian they said they didnt receive it. XXXX and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. Experian told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.