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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for information CAPITAL ONE XXXX CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

Violation of Privacy Act of XXXX & of the XXXXonal and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX  Balance {$6000.00} Balance updated XX/XX/XXXX XXXX Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Balance updated XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$41000.00} XXXX XXXXXXXX Balance Owed : {$32000.00}
Product: Money transfer, virtual currency, or money service

Goods purchased through PAYPAL. The merchant does not ship the goods.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

I was referred to XXXX XXXX  in XXXX, KS ( XXXX XXXX ) by a friend who was a current employee. When I first began the loan process, I was told that I should qualify for a Conventional Loan. After going through several weeks of continual submitting documents I was then told that they will need to transfer my loan to FHA. I submitted several other documents and were told that we should be good to go however just a few days before closing date I was informed that the Underwriter would not clear me for the loan. At that time, XXXX XXXX had another suggestions that was to send my loan to a private investor, XXXX XXXX 's father. I did not know what was going on but I meet with the private investor and learned that there would be an outrageous cost to fund my loan. I then spoke with my realtor and she suggested that I might want to reconsider because she had learned of some disturbing news about the situation. I was later informed that there was some illegal action going on by XXXX XXXX   ( skating ). I nicely declined the services of the private investor. I then contacted another lender and was approved and closed on a Conventional Loan that the lender told me that I should have been approved for several months earlier. I was very vulnerable at the time that I was trying to go through XXXX XXXX   because my wife had recently passed away in our home and I could no longer live there. I feel XXXX XXXX took advantage of my situation in an attempt for a larger financial gain with her father. Please investigate this matter because my friend who was employed with XXXX XXXX  informed me that my application was not the only one that dealt with this corrupt situation. Thank you. 

XXXX XXXX XXXX
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT XXXX REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit card or prepaid card

I opened a secured credit card with USAA trying to build my credit. I secured it with my own money of {$700.00}. I paid the card perfectly for over two years until I took a job offer that didnt workout and put me behind. Like my other 2 secured credit cards once I got behind on the payment they  closed the account with the money that I secured the card with ( my own money ). I had a limit with all 3 secured cards and the limit was whatever amount that I had secured the card with. Once these cards closed out the balance should have been zeroed out. USAA closed my account out in I believe XX/XX/XXXX, as well as my other two cards which showed XXXX balance. I checked my score last month and saw that according to USAA I had a balance of {$97.00}. I called and immediately paid the balance once I saw that. Then I started wondering why there was a balance. So I called and they informed me that my card was over balance. I asked them how is this possible in the 2 and a half years that I had the card they never let me go over balance and would even decline transaction that would put me within a couple dollars of maxing out. I asked the gentleman how this was possible it was a secured card he couldnt answer me he said sometimes it happens and the credit card companies allow the over balance by accident. I asked him what charges were made that allowed me to go over balance. He then informed me that the card went over balance by {$8.00} in XX/XX/XXXX. I maxed the card out in I believe XX/XX/XXXX moving back to AZ. He said they allowed another charge after the charge that brought me over balance of {$40.00}. I asked him so normally they wont allow you to go over you balance and it must have been a mistake for the first one, but it allowed 2 charges at separate dates when my card had been maxed out for a couple months. None of it made sense. He couldnt tell me anything but sometimes that happens and thats what happened and that he couldnt do anything for me. I then informed him that if I had of known there was an over balance I would have paid it. As soon as I found out months later ( which I was under then impression that that was impossible to go over balance on a secured credit card ) I immediately paid it. I asked him if there was anything they could do to adjust this because this wasnt right and not a single phone call was made to try and inform me that it was over balance, he just told me that he couldnt do anything and if I felt this was being was wrong and being reported incorrectly to dispute it. They way they are reporting it to my bureau is completely killing my score and is not right. I secured the card with my own money to insure that it would be paid and if something happened it would be covered. I have never been allowed to go over my limit the card will decline it and all of a sudden after a couple months of the card being maxed out they claim two separate charges on two separate days was allowed and put me over balance. Doesnt make sense and is really hurting my credit. Please help with this situation.
Product: Credit card or prepaid card

XX/XX/2022 my XXXX XXXX XXXX was activated and ready for use. 

XX/XX/2022 I inquired about my card being declined, later signed onto the account portal and saw that my card balance was reported as $ XXXX. I immediately reached out to support, and received several contradicting inconsistent answers from different support members. One said that my address is not able to be verified and I'd need to submit additional documentation to verify Business operations. I've already submitted an update address form three times prior to receiving the card because they sent the initial card to the wrong address. Another support member said the negative balance is what is available on the card for spending. Then another support member said they can not do anything and, " take it up '' with account verification and submit verification documents once more. 

My card balance as of XX/XX/2022 now states $ XXXX and still no explanation, or contact by support. I warned them that I will submit complaints to legal authorities if my personal or business credit is negatively impacted by their misreporting, and deceptive business practices.
Product: Checking or savings account

I opened a checking account with Citibank and the day my deposits were going to be available they say they are closing my account. Ive deposited XXXX dollars in checking and savings account now they wont even tell me why its being closed. That Money was for my son who is XXXX and its 10 days before XXXX
Product: Money transfer, virtual currency, or money service

I received a total of XXXX on my XXXXkrill account. They have restricted my account for no reason ( I've had the accout for awhile but just recently started to use it ) and I have accumlated this balance. I've verified my account and I have the transactions to prove my purchases. All I ask is that that I receive my balance and they can close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Student loans were on a long pause since COVID with the intention to resume payments for everyone on the " federal pause '' by the end of XXXX. This information was received by an email directly from the Department of Education. 

As of today, I have noticed in my spam box that " NELNET '' has a past due amount for me. 

I have NO ASSOCIATION WITH NELNET, Never gave permission for them to have my loans. 

I have been scammed. I need accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXJEFFERSON CAPITAL XXXX XXXX ... XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Opps loans has reported a charge off of my credit report. That means they have reported that as a lost written off with a 1099c. If it is written off than that charge off becomes personal income for for and should not be reported on my credit report and also I need a copy of the 1099c. If they reported it to the IRS as written off than they should not try to have me pay also. They are committing fraud.
Product: Checking or savings account

I had account with XXXX XXXX ( I am a XXXX XXXX ) Account was taken over by Citizen bank Since then I have no banking facility at all. 
Citizens card arrived I could not activate it ( No Citizens ATM in XXXX ) I telephoned US several times over months to activate card. Eventually I managed ti by pass automation and have card activated by agent in US Cost me XXXX pounds XXXX dollars for call I have no access to online banking to activate card to transfer money etc bank can not facilitate this for overseas customers In short lost my bank card and have no access to activate it Calling US Citizens bank does not recognise card number firstly Secondly can not put in social security number as I do not naturally have one In short I receive monthly paper statement to XXXX for an account that has regular monthly payment from US This is all I have Card renewed can not be activated unless I can beat automated bank call And I have emailed Bank customer service I have chosen option on call for callback I have emailed CEO twice To all of my activity above I have had no response
Product: Debt collection

CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX This collection Agency has violated the fair debt collection practices act by attempting to collect on a debt that has been charged off by the original creditor. They are also changing the open date from the time they have bought this bad debt. This is an illegal practice to change the open date. The balance they claim I owe is {$1400.00}.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, experian XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Mortgage

On XX/XX/XXXX I made a {$600.00} principal payment against my outstanding loan balance. Bank of America posted it, reduced my outstanding balance and then immediately posted " Misapplication reversal '' for an amount of {$600.00}, and adding {$600.00} to my outstanding balance. In essence they accepted my payment, reduced the outstanding balance and then immediately reversed the payment adding to my outstanding balance. My payment was with good funds and from a B of A checking account. 

I contacted B of A 4 times about this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told it would be resolved within 3-5 business days. It was not. That call was with XXXX in XXXX XXXX, ID # XXXX at approximately XXXX PDT. Claim # XXXX On XX/XX/XXXX at XXXX PDT XXXX, ID # XXXX issued a complaint on my behalf # XXXX and said someone would contact me the next day. No one did. 

I was told by B of A personnel during these 4 calls that the problem was systemic as B of A implemented a new loan software program.

Typical hold times for each of these calls was 1 hour minimum.
Product: Credit reporting or other personal consumer reports

I am and have been disputing the date this account was opened and XXXX is not correct. This account was opened on XX/XX/XXXX, thru Furst National Bank of Omaha and that's how I expect it to be reported. Secondly, too old to collect ANYMORE money.
Product: Debt collection

This account is originally from denali FCU And has been charged off by them. A current company HP Sears has attempted to increase the debt over the last few months. They have not contacted me and continue to Increase the amount. The account has somehow for some reason been sold to collections after denali has already written the debt off.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, Wednesday morning, a person named XXXX XXXX posted on XXXX XXXX XXXX XXXX XXXX private XXXX XXXX XXXX at the XXXX XXXX saying she has the {$39.00} ticket for the upcoming XXXX XXXX XXXX. I have seen many similar posts asking for buying or selling the show tickets at the XXXX XXXX in this group. I quickly contacted XXXX XXXX by private messaging her in XXXX asking for two tickets. She said I could Venmo {$78.00} to her boyfriend and gave me the Venmo account as XXXX XXXX. She said she would send me the tickets right away after she got the money. After I sent her the screenshot of the Venmo payment. She never responded or sent me the tickets. Later, I found she removed her post in the XXXX XXXX XXXX. The Venmo accounts name changed to XXXX XXXX. I can see this account has many suspicious transactions and I could even see other people paid to this account buying the XXXX XXXX tickets as I just did. I realized I was scammed! As my Venmo account is linked to my Banking account, I called my bank to stop the transaction and I called Venmo to report this scam and request to stop the transaction asap around XXXX the same day. On Friday, Venmo sent me an email stating that Venmo has paid {$78.00} for me and asking me to cover the cost. I called Venmo again. Venmo told me to file a police report. The police will reach out to Venmo for further investigation. So I filed a police report. But the police quickly responded and set my case as inactive as the police said most scammers are outside of the United States. The case didnt happen in our county. Now, my Venmo account is frozen and Venmos customer service no longer communicating with me. Venmo keeps sending email asking me to pay {$78.00}. I told Venmo I will NOT pay for a scammer! On XX/XX/XXXX Friday, PayPal sent me an email to pay {$78.00}, or it will go to debt collection.