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

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Washington Federal bank closed my Simple Checking accounts last week on XX/XX/2016 without any warning and gave no reason for doing so. The biggest problem is they have around {$5500.00} of my money that is XXXX % of all that I had leaving me and my family in financial trouble as we have bills as well as property taxes to pay that we now do not have the money to pay. Also I had deposits setup to go into my bank accounts that were rejected and I 'm having problems getting those funds as they are in cyberspace right now and I 'm not even sure I will be able to get them at all! I have never had something so ridiculous happen to me with a financial institution as this and I have been a member of many other banks..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

US Bank Visa Cash Rewards Credit Card The above card was automatically issued to me after US Bank acquired Citizens Financial Group. I had no interest in this card in the first place and as a result NEVER used it. I opted out of paper statements, as I thought it was wasteful constantly receive monthly statements showing a {$0.00} balance. XX/XX/2016 I received a notice from US Bank that my account had a small balance and was past due. I opened a fraud investigation and the findings were clear - this was a fraudulent charge. US Bank reversed the late fees and closed the fraud claim. I was assured that the late payment would not be reported to the credit bureaus since the one and only late payment was associated with a fraudulent charge. US Bank DID report this late payment, despite what they said, and my credit score dropped from a rating of excellent to the the low side of good. The fraud department at US Bank dropped the ball and now I 'm being told that onus is on me to open disputes with the credit bureaus. I will dispute the late payment blemish on my credit report, but this is completely UNACCEPTABLE. US Bank should be held responsible for their error and they should be working to reverse this late payment ding instead of putting the burden on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my XXXX and XXXX report to see this account listed from RECEIVABLE MANAGEMENT for XXXX XXXX. I can not recall opening an account with XXXX as I am only XXXX year old. However, in a good faith, i would like to satisfy my debt by settling with {$170.00} to delete and remove the negative trade line from my report and credit as i am young, and trying to establish myself as an adult. I am newly married to an XXXX in the XXXX XXXX XXXX and we are trying to purchase our new home prior to him XXXX  to XXXX in six months.
Product: Bank account or service

My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services '', which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time, I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold, I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed, and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime, such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status, which I view as predatory. The XXXX check that I deposited is not a personal check, it is from a nationally recognized organization. Also, I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible.
Product: Credit card or prepaid card

I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). 

The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.
Product: Credit reporting or other personal consumer reports

Hello I do not recognize this address please remove, thank you for your help. 
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 submitted an rma to my servicer as my income and hours are affected a lot it took a good couple months to finally submit the forms they needed to start reviewing what kind of help I can get at some point I look at the status of my application and noticed it was cancelled when I called I spoke with an account manager who was assigned for this process and I was told it was a glitch in their system and case was reopened the status then showed the underwriter will post or mail a decision of which programs I will qualify for and I had nothing to worry about as I am awaiting a desicion I called just last Friday to learn I can ask for the last 90 days of forbarence well I didnt ask I was offered that over the eeekend I check my online mortgage info and come to this status loss mitigation review cancelled notice was mailed I was shocked as to I have been waiting since before XXXX to see what options the underwriter has for me turns out to tell me because I went back on forbarence my application was cancelled I spoke with a account manager and she was getting the higher manager approval to reopen the case and advise me by this coming Friday to what decision they will make with all this I have had this loan with Usbank since I bought the house in 2006 and not once I missed a payment it honestly is very rude and destroying for someone that faithful to their system and how good they are making things so now I dont know if there will another glitch in their system or what the underwriter will reopen the case and give options of better than just put the amount of the forbarence to the back of the loan and resume payments I was asked what would get me off the hardship and start payments? I suggested to lower my APR I am at 6.725 and the market rate is at 1.99 % I saw today doing my math to adjust my apr will defenetly make my payment affordable so I am asking the lord of you people to help me as much as you can please those people are just killing time and think people are stupid
Product: Debt collection

Got notification from XXXX XXXX that they have taken over a charge off loan from AFFIRM of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either XXXX XXXX is fraudulent and/or this debt was charged fraudulently. 
1 ) I have NEVER opened an affirm acct.

2 ) I have NEVER CHARGED anything through AFFIRM 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from Affirm until now in XXXX which came with the documents sent by XXXX XXXX. The purported documents sent by Affirm through XXXX XXXX have no dates, address or any other identifying information to verify that this is indeed from Affirm. 
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from XXXX XXXX.
Product: Credit card

the Cards was charged off over a lengthy period of making payments as best as possible whilst different charges and interest was applied to the cards. Now this has prevented alot of other opportunities to be missed, also the opportunity to obtain credit is very impossible.My credit score has become ridiculously low where living has been hard. please help. We are trying to obtain the 1099 C for my accounts, both accounts charged off are Capital One credit cards. 
Savor card charged off total {$4000.00} Capital one silver Charged off total {$6000.00}
Product: Credit reporting or other personal consumer reports

The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** Equifax*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Opened XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX   XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$850.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX-former OpenedXX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00}
Product: Checking or savings account

On XXXX the XXXX I made a dispute with well Fargo well Fargo have not take my claim seriously and denied it they adamant that the claim was use with knowledge of the account but like I told them then debit card was stolen and they keep on playing around and denied I gave them dates when I was in the hospital to conclude that it wasnt me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, {$150.00},XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : Personal Information is Inaccurate Date of Birth, address and misuse of reported Items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I fell behind on payments. I spoke with a representative from XXXX XXXX that offered me re-mortization on loan. She told me that after I made XXXX XXXX payments that they would forgive late payments and report loan as current to credit bureaus which has not happened even though I'm making payments on time. As a result, the reported late payment is negatively impacting my credit preventing me from closing on my house. I have worked hard to improve my XXXX XXXX. I called company and requested removal of late payment and a representative told me that they can't remove late payments once it's report. Please help!
Product: Vehicle loan or lease

On XXXX2016 I brought a XXXX XXXX XXXX XXXX  The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.
Product: Debt collection

I have no idea what this collection is regarding. They called me and said they had a PO Box and I told them that I have never owned a PO Box . Then they asked me for my mailing address and I told them if that debt was mine they should have it. I believe that this is not my debt and would like this removed. I asked them to validate it and I have yet to get validation.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment below! This is crazy. Email from credit karma showing that my negative XXXX has been since 2020. No wonder XXXX would never list a score! There are so many laws according to USC 12,15,18, and 31. Credit has been denied to me and that's a crime while so many have created lines of credit fleecing my trust!
Product: Credit reporting, credit repair services, or other personal consumer reports

LEWIS MCDONNELL & ASSOCI has an open account for the amount of {$3000.00} dollar 's which is on collections I'm sure I was not the person who opened that account LEWIS MCDONNELL & ASSOCI claims that I got rims and tires from some place I have tried to get them to understand that I didn't open such account to no avail my credit score is being affected by this false/ fraudulent account That needs to be removed and Immediately. Because ofLEWIS MCDONNELL & ASSOCI false/ fraudulent account I'm unable to get a home loan to buy a house for my family
Product: Debt collection

On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX/ {$0.00}
Product: Money transfer, virtual currency, or money service

Currently i am a victim of identity theft by many databreaches and me personally being robbed. on XX/XX/XXXX i received an letter from IRS stating that i had additional tax forms ( 1099k ) that was not included in my XXXX tax return. It was ELEVEN 1099k forms for the same company SQUARE INC ( I had no knowledge of this form prior to the IRS letter because i never created a SQUARE BUSSINESS ACCOUNT OR ANYTHING UNDER THE SQUARE INC COMPANY ) i did indeed know about me being a victim of the XXXX data breach and also me getting robbed for my wallet ( with all my info inside ) so my info has been all over the internet. SQUARE INC has allowed scammers/hackers to open up SQUARE INC BUSINESS ACCOUNTS AND CASH APP BUSINESS ACCOUNTS under my identity AND ALSO ALLOWED MULTIPLE LARGE TRANSACTIONS IN THESE ACCOUNTS WITH MY KNOWLEDGE. i have contected square inc on XX/XX/XXXX to report all 11 accounts as fraudulent but i have yet to speak with square inc again and i really need this matter to be fixed immediately. i have also filed a FTC REPORT MY FTC REPORT NUMBER IS XXXX