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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit Cards Credit Card Opened by Thief Company or Organization : XXXX XXXX  Date Fraud Begin : XX/XX/XXXX Total Fraudulent Amount : {$1000.00}
Product: Credit card

Discover Card I purchased by Phone, New Items {$850.00}, paid in full by the discover card account. 
Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I called to arrange pick up of the merchandise XXXX 2016. Store owner told me items had been resold and were no longer in inventory. 
I contacted Discover Card with that information to obtain my refund as store owner was not cooperative. 
Discover Card was not cooperative. A store owner can not collect XXXX for the same items. Florida Statute XXXX CH XXXX requires notice certified signed mail to alter ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was a fraudulent XXXX transaction on my bank account of {$5100.00} on XX/XX/year>. I reported it to Wells Fargo, who denied the fraud claim. I need the refund or information about who the money was transferred to so I can prosecute them. I do not know the receiver of this XXXX transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by Ally Bank and XXXX XXXXXXXX XXXX XXXX. These late payments have adversely affected my XXXX XXXX and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section XXXX, which ensures my right to privacy. 

Furthermore, under 15 USC 1681 Section XXXX A, Section XXXX, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to XXXX, XXXX, & XXXX, and therefore, the inclusion of these late payments in my credit report is a violation of this provision. 

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My card information was stolen since last year, theyve been doing random charges in a different state that Chase has failed to catch. I got an email notification from Chase on XX/XX/22 alerting a suspicious activity. Thats how I found out about the stolen card information. I then reported it to chase immediately. They only credited {$25.00} back to my account. Then they sent me a letter saying the transactions were more than 60 days old and from the same merchant. Which is untrue. The transactions are not even 60 days old. A few says XXXX. I called XXXX customer service, they told me that the transactions were not found in their system, those are not from actual XXXX. Theyre not doing proper investigations on the claims and denied the claim without even looking at it! The claim number is XXXX. Theres also another claim for the same incident they submitted number XXXX, theres one XXXX transaction for {$8.00} it was charged then refunded. Chase took {$8.00} from my account so I lost {$8.00} from the claim. I also filed a police report about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX al, has failed to prove that they are holders in due course of the orginal promissory note. The last two weeks, I recieved several letters all with diffrent quotes demanding that I pay the mortgage by way of direct wire transfer or by cashers checks only. XXXX XXXX has removed me from all their digital platforms continues to send emails and secure messages they know I can not open and read. In addition to this I recieve letters that have diffrent pay of quotes and multiple diffrent charges attached. XXXX and XXXX principles are not being followed. Payment has been tendered as special deposit only. XXXX XXXX in response to this complaint is required to provide the time the note was placed into the XXXX after it was made into a security and who the trustee is that currently is the holder of the note. This information will be shared with the credit reporting agencies as well. XXXX XXXX has failed to respond to my request to validate the debt and will not address any subtantial questions asked.
Product: Debt collection

I have never received any paperwork or phone calls regarding this debt. It's in collections on my consumer reports but I have no knowledge of this debt at all. I am unable to contact them to verify the debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : the item reported by XXXX to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of XXXX, XX/XX/XXXX, when I requested my credit reports from the XXXX CRAs. XXXX has never attempted to contact me. 
XXXX, ( XXXX XXXX XXXX  ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX. 

XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, Speedy Cash {$300.00}, violates the statute of limitations for reporting derogatory accounts : XXXX is reporting a XXXX year old negative item, for 17 years at XXXX, by classifying it as Closed. 
The same item is being reported differently at all CRAs, by XXXX. However, it appears that XXXX is a reporting, not collection agency, for they have not, to this date, billed me in any manner. 

XXXX maliciously placed this item, Speedy Cash, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable Speedy Cash, for 17 years. 
Further, XXXX violated FDCPA 608., when I telephoned them @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX XXXX XXXX hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect. 

In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from XXXX for misreporting to the CRA ( XXXX violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}. 

Sincerely yours, XXXX XXXX XXXX. 
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License
Product: Credit card

Somehow an auto payment was setup on the account without my knowledge or consent for the statement balance which doesn't make sense since the account was setup for a balance transfer with 0 % interest for 18 months. Clearly this hasn't worked out very well for me. 

XXXX, XXXX, XXXX, XXXX, and XXXX have incurred overdraft fees from XXXX XXXX due to insufficient funds... Now XXXX it went through but has caused other payments to bounce putting me into further hardship. 

I have made multiple calls about this the first time was in early XXXX and I was told it was resolved and wouldn't happen again. Now months later its continued. I will never be banking with BoA again that's for sure. Hours of poor customer service and being bounced around from department to department nobody seems to want to help.
Product: Debt collection

I had an outstanding bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to them not billing my insurance correctly. The date of service was XX/XX/XXXX. I received my first bill in XXXX and immediately contacted them to let them know they billed my insurance incorrectly. I had sent in the correct insurance information and followed up monthly until XX/XX/XXXX. Not only were they billing my insurance incorrectly they stated they sent in the claims and never did on multiple occasions. They also claimed they put a hold on my account to stop it from going into collections. After my insurance made their payment my balance was XXXX XXXX and I requested an itemized statement. I then started receiving phone calls and letters from Transworld systems incorporated which is a collection agency attempting to collect a debt which was MORE then the original bill as my insurance negotiated for a lesser fee. I sent in my itemized statement from the original billers and they told me " sorry our system shows you owe ''. I said someone needs to contact XXXX to have this removed from your system as the debt is invalid. I also called XXXX who stated that they would " followup '' with the collection agency. A week later they didn't and after speaking with a supervisor was told " the ticket was closed as my account shows a XXXX balance so no one contacted the collection agency ''. The collections agency is illegally billing me when I have Medicaaid and the debt has been paid in full. They are harassing me for a fraudulent debt, and refuse to stop after I've provided evidence from the original debtor that my balance is XXXX.
Product: Checking or savings account

On XX/XX/2019, I opened a checking and a savings account at my local Bank of America branch. I did this in response to a {$500.00} promotional offer I received in the mail ( document is attached ). The {$300.00} promotion for the checking account was paid, but I have not been paid the {$200.00} promotion associated with the savings account. All customer service agents I've spoken to using BofA 's toll free phone contact number have explicitly acknowledged that I met all the promo obligations and waiting periods. The promo was " supposed to be '' paid by XX/XX/2019. My first contact with the bank 's national customer service line was on XX/XX/2019 and that agent " elevated '' the issue pursuant to what apparently was a formal BofA process. The agent provided me an " order number '' for future reference ( #  XXXX ). All agents I've spoken with have said the elevated review would take up to 60 days. It has now been 61 days so I called again and was told today ( XX/XX/2019 ) that nothing has happened with the review. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptl. 
Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balace Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX, clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to XXXX, XXXX, and TransUnion, all of which are nonaffiliated third parties as defined by XXXX XXXX XXXX nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like XXXX, XXXX, and TransUnion are separate entities and are not affiliated with XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, XXXX failed to comply with these legal obligations. 

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I do not consent to the sharing of my private financial information with any nonaffiliated third parties, including but not limited to XXXX, XXXX, and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that XXXX of the XXXX agencies responsible for maintaining consumer personal credit information ( Equifax ) can have a major breach ( affecting millions ) and NO repercussions. My son was late XXXX time and this stays on MY credit report for XXXX YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had XXXX credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. XXXX years is just not right. Equifax will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.
Product: Credit reporting

Violation of fair reporting.ocu-validation, permissible violation to non legal agencies about consumers.
Product: Credit card or prepaid card

My Capital One Credit Card was the billing option I listed for my 2019 Car Insurance with XXXX - Northeast. I cancelled this insurance in XXXX of 2019, however the company has continued to bill me - I've called, email, mailed them, etc. seperately. 

I have individually disputed {$790.00} worth of credit card charges made from XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have emailed Capital One, attempted to call, and reached out through the web portal. I have received no response to my disputes OR to my other attempts to contact, despite Capital One taking the time to send me repeated bills, attempt to charge my interest and late fees, and report me to the credit burue. 

This is my last attempt at contact before hiring an attorney and seeking damages.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$870.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed a contract that stated that if I completed the school, I would owe {$5000.00} for the training or work for XXXX for XXXX paid solo miles and the debt would be forgiven. XXXX of the provisions was if I quit the school, I would owe the full {$5000.00}. HOWEVER, as per XXXX, if I am asked to leave I do not owe the debt. 

- XXXX. If we ask you to leave the program because you lack the necessary skills and end your employment during XXXX training or Phase XXXX - on-the-job training we will not seek repayment and the debt goes away. 

I had a XXXX XXXX when during training I attempted to turn, a car appeared out of nowhere, and I nearly hit it. I was asked to leave training after this. Per the contract I signed, that makes the entire debt invalid. I did NOT quit. I was asked to leave. 

Instead, XXXX continued to seek the debt, turning it over to Lockhart , Morris & Montgomery , Inc. for collections. Neither company has ever given me any paperwork stating I quit. There has been XXXX proof I violated the terms of the contract and voluntarily left. Whenever I ask for this, Lockhart , Morris & Montgomery , Inc. only sends me the contract which states I don't owe the debt because I was asked to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

homedepot credit card fraudulent charges
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifax I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.