23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX* Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I received an email today from Capital One stating they were closing my card account ( XXXX ) for inactivity. I called them stating I did not want the account closed. The rep checked and said there was nothing she could do. She stated this was a new program and couldn't do anything about it. I asked why I wasn't notified about this before they closed the account and did not receive an answer other than this is a new program ... and she's just answering the phone. I don't understand how the consumer is not notified ahead of time to stop this from happening. Instead all I get is an email stating this is happening, nothing you can do. I inquired how was I supposed to use the account when they had not sent out new cards and she looked and it stated the card had been returned but not other info was in the account. She verified the address and it was correct so I'm not sure what the deal was. This has a detrimental impact on me and I'm told there is nothing I can do, they can not undo what they've done. My credit rating will take a hit because of their actions closing this account. They've made no attempt to contact me thru email ( they obviously have it ) before they did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Amount : {$180.00} Action Taken : I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX
Product: Credit card or prepaid card

Two credit cards have been ran in my name and it was not me. One is capital one and one is XXXX. I would like to report it and find out who is running my information.
Product: Debt collection

Refer my CFPB Complaint # XXXX. Debt was XXXX XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to PLATIMUM HOLDINGS of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to Platimum Holdings, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XX/XX/XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. County, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and Platimum Holdings. XXXX XXXX gave me contact number for Platimum. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX
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 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Money transfer, virtual currency, or money service

Hi! Me and my fiance used the app Venmo and our friend sent us {$35.00} for gas money so my fiance could get to work and Venmo froze our account, told us they couldn't do anything about it couldn't tell us anything other than we had to verify our identity. We did, and this over OVER a month ago, and tonight they just suspended his account and told us basically that they took our money.
Product: Payday loan, title loan, or personal loan

I logged onto their site to see that the payoff amount is {$280.00}. I've made payments every two weeks since XX/XX/2021 of {$57.00}. However, I received an email stating that my balance was " past due '' and that they are taking out another {$57.00} on XX/XX/XXXX. I found that strange so I logged in and it states that, despite having already paid {$280.00} so far, I somehow owe {$210.00}. I have no idea where this continued charge is coming from as they actually owe me at this point. The pay-off amount clearly states {$280.00}. They're also currently closed and that is the only way I can have my account information removed from their system. It seems that they wish to continually charge me indefinitely and they have no means to change or remove bank account information online, only via phone. it seems extremely unethical and just plain bad business.
Product: Credit card or prepaid card

Capitol One closed both of my credits cards due to 1st party fraud, even though they put me on a payment plan to help with payment. Since I was struggling to make the payments. Due to the fact that I am recovering from a XXXX XXXX to have XXXX XXXX  of a XXXX XXXX removed. Do to the XXXX I have XXXX  issue 's and forgot to give the my new account number.. So they were not receiving payments from old closed account. When I realized what was going on I called to give the new account number. After taking 2 payments on the cards, they then proceeded to tell me thew accounts were closed. No emails, no notification of any kind.. I told them I was n't making payments until this was dealt with. They have taken 3 payments since..
Product: Debt collection

Recently got a copy of my credit report and noticed a collection on my file that isnt mines.
Product: Credit reporting or other personal consumer reports

There was a fradu alert placed on my Transunion credit report without my consent. I have attempted to dispute and correct fradulant information from my Transunion credit report and this credit reporting agency continues to send me fradulant letters stating it appears that a credit repair company is disputing fradulant information on my behalf.
Product: Debt collection

National Recoveries is sending me collection letters for a someone I dont know, and no one answers the phone at the number on their letter. Ive sent 3 requests to the email on their website to remove my name but the letters keep coming every few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/18 to XXXX 's disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. After I received that letter from XXXX XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was marked " Election of remedy-reported by subscriber '' from a previous dispute through XXXX regarding this account. I received a letter from XXXX XXXX dated XX/XX/18 that stated that XXXX XXXX was unable to process my request with the information I provided. I pulled my XXXX report again on XX/XX/18 and my account was marked " Account in dispute-reported by subscriber ''. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was marked " Account in dispute-reported by subscriber '' on my XXXX report. XXXX 's has violated section 623 ( a ) ( 3 ) of  the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
Product: Debt collection

Laws 15 usc 1692 c ( c ) states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication and this law also states Debt collectors can not communicate with a consumer after the consumer disputes the debt, except to notify the consumer of certain remedies. 
The debt collector did not comply with theses laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Transunion for inaccurate credit reporting. Collection agency is XXXX, original debtor was XXXX for the amount of {$340.00}. The total amount was paid, by me, to collection agency XXXX in the amount of {$340.00} ( including XXXX fees of {$4.00} ) in XX/XX/2019 and the amount was posted as a debit to my bank account on XX/XX/2019. XXXX has sent my final statement showing the full amount of {$340.00} has been paid, amount due is XXXX, statement dated XX/XX/2019. XXXX has removed this negative mark from my credit report but after numerous disputes, Transunion will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I'd been through a few trial modifications on my loan which were all honored and completed. One starting around XX/XX/XXXX through XX/XX/XXXX for an amount of around {$600.00}. However at the end of the trial, I'd attempt to resume normal monthly payments by calling to pay online, and the automated system would no longer allow or accept payment. When speaking with an agent, then Supervisor, there was always an excuse as to why I could not continue with normal monthly mortgage payments. Reasons like your paperwork was not received in time or our company guidelines do not allow for us to accept the modification. I'd reapply and start the process all over. I'd applied for Mortgage Assistance through XXXX in XXXX, and after reviewing my mortgage statement the XXXX agent recommended reaching out to Consumer Protection because something appeared unreasonable or unlawful about the loan. During this time the Mortgage company allowed for another trial for a three month period which started XXXX of XXXX through XX/XX/XXXX for the amount of XXXX this trial was completed successfully as well, But, to no avail, the same outcome. I could not proceed with normal monthly payments. This time, the excuse was that my paperwork or application was signed with the wrong signature. My name on the loan is my maiden name and I'd signed the documents the same way I'd signed all documents sent, with my maiden /married name. I reached out again and again to the Mortgage Company speaking with several agents and Supervisors. Advised to reapply again and during the process this time was prematurely put into foreclosure with a sale date of XX/XX/XXXX. This was cancelled per my loan was in loss mitigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate statements regarding my personal information on my Experian credit report. I tried to dispute these online, but their system tells me that the issues can not be addressed online, and gives me a telephone number to call. I called that number, and none of the " robo '' options address personal information, and there is no way to get a human being on the line. In short, they are reporting incorrect information and giving me no way to dispute it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation this practice violate the fair credit reporting act FCRA, 15 U.S.C 1681I which mandates a reasonable investigation of disputes furthermore, Equifaxs actions may also contravene the consumer financial protection act CFPA, 12 USC 5536 a one a B as highlighted in CFPBs recent administrative proceedings. furthermore Equifaxs actions may also contribute the consumer financial protection act CfPA 12 U.S.C553681AB. 
These accounts include : XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) Department of Education XXXX Closed ) XXXX XXXX XXXX Closed ) I have also requested to have my name and address updated to my current address, which is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX I have requested to have the other address removed from my credit report as well and that did not happen either. I would like to have this updated on my credit report as I am attempting to purchase a home thank you.
Product: Vehicle loan or lease

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a XXXX XXXX  when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, XXXX is XX/XX/XXXX and I still have not received anything. The XXXX and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the XXXX and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX XXXX  lot to receive my car. XXXX XXXX XXXXXXXX XXXX last XXXX of XXXX XXXX XXXX. I was only offered XXXX solution by the charge off department, and that was to do a sales hold of XXXX, XXXXXXXX XXXX a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the XXXX past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX XXXX  doesn't state this, and I spoke with XXXXXXXX XXXX XXXX XXXX  specialist at XXXX on a recorded line on XX/XX/XXXX at XXXXXXXX XXXX, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XX/XX/2024 Disputed charges through Experian
Product: Checking or savings account

Its been a numerous amount of times I was charged {$29.00} for over drafting my account due to late processing and automatic bill pay.