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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

My wallet was stolen, and my cards are stolen out of my wallet charges were made on my card and when I submitted that to them, they told me that they were not going to help me. They said that they have no way of knowing that it was not me with that and I spoke to the person on the phone so I have two accounts with Cash App and neither one of them. I am able to access a debit card or unlock my card on my phone so my card is locked on my phone the moneys that were on my card in the beginning are gone, so I barely saw them use it. I still have an account to open. so I barely sell them use it. I still have a account to open, but I very sell to use them.
Product: Credit reporting or other personal consumer reports

I have a claim in for breach of information and a fraud report filed with FTC. This is verifiable. I filed bankruptcy and it was discharged however this credit bureau still have fraudulent inquiries on my report and accounts that were included in my bankruptcy and should not be showing delinquent and or on my report at all.

The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, have asked them several times why is my score so low because I feel it is a form of retaliation because I do not have any bad accounts, lates and the inquiries are wrong, I DO NOT HAVE A STRIDE BALANCE and The amount on my Revvi account is incorrect.
Product: Money transfer, virtual currency, or money service

We had the exact same scam but we lost over {$3.00} XXXX in total. 

We are operating on XXXX XXXX and he has a browser in it to use dapps he is a listed company and is also regulated by the US government I don't know why he can allow fraudulent links to use on his platform this is his Vulnerability and now many people have been victimized. 

My friend was in the UK and then I was in XXXX and we were defrauded of {>= $1,000,000} in total. I'm pretty sure there must be XXXX people in this scam group because their customer service can speak XXXX. His authenticated link appears on his trading platform and his own link has no way of being on it. 

I hope you can work with the FBI or the Coinbase platform to help us get back the lost funds, or I think Coinbase needs to be responsible for this bug because it's really his bug 1. My first money of over {$250000.00} was transferred on XX/XX/2021 2.They moved all the money from my wallet because of the smart contract 3. XXXX This address is where this XXXX was transferred Later, their fake customer service gave me another XXXX because they said they needed to be forced to pledge. 

XXXX XXXX I transferred more than XXXX and XXXX to these two addresses respectively, but they did not show in the wallet records because he said that we need to apply for an exclusive channel and then gave us the address directly. But others took it back, so I can't see it now. 

Currently my own account has almost XXXX in it my friend 's account he will submit to you himself. 

Below I also attach the conversation with their fake customer service with me. 
I'm in XXXX and I'm pretty sure their main location is in the US so would like to ask you to work with the FBI and help us recover the stolen funds.
Product: Debt collection

Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry.
Product: Checking or savings account

I had checking and savings account was with Bank of America last 10 years. Someone made a deposit {$2500.00} through online without my knowledge. 
I try to explain the BOA agent he is very arrogant- from closing department and his name is ( XXXX ID # XXXX ) not qualify to work for Banking so Would like to bring charges against him to abuse his power to unlawfully!!! 

My account details Routing No : XXXX Wire Routing : XXXX Savings Account : XXXX Domestic XXXX XXXX : XXXX XXXX : XXXX Checking Account : XXXX XXXX XXXX XXXX XXXX. Last XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not recognize or authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fir Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is not mine. 

15 U.S c 1681 Section 602 A states I have right to privacy 15 U.S c 1681 Section 604 A section 2 It also says a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CFPB closed my complaint XXXX and the response received was generic response which didnt address any issues after waiting over 45 days for a response. 
I provided all the specific information they requested and still they did not resolve any of my issues. Equifax is violating my rights under the FCRA and I ask for this issue and the fraudulent accounts to be removed from my report immediately!
Product: Credit card

I opened up a credit card with Capitol One Savor Code XX/XX/XXXX. They advertised a {$200.00} sign up bonus if you spend over {$500.00} in the first 3 months. I called them XX/XX/XXXX and was told that the {$200.00} would automatically be applied to my first statement. That was a lie. I called XX/XX/XXXX and the robot said my payments were not due until the XXXX of XX/XX/XXXX. I then spoke to XXXX she refused to give me her employee ID. I told her the app would not let me set up automatic payments for a different date an earlier date of what she said the due date was of the XXXX. She refused to give me her employee ID. She said she could help me set up the automatic payment for a different date, that was a lie. I then called back and spoke to XXXX ID XXXX who transferred me to supervisor XXXX ID XXXX who said Capitol One does not allow people to set up auto payments for any day but the day it is due. She also told me that the rewards will not be applied until after 3 months and I have to call and do that in XXXX of XXXX. This is not what I was told before I made a purchase of over {$500.00}. I asked XXXX for the employee ID of the two people who gave me the wrong info and she refused. I told her that I was going to file a federal complaint and she told me I could not get any further information without a subpeona. I believe their system is set up for consumers to be late on payments by not giving them a choice of paying earlier with auto pay and by the robot giving out a due date that is 3 days past the due date and would cause penalties and breach of contract. I tried to update my cell phone on your website and it wont let me. My new number is ( XXXX ) XXXX and I have proof of all the calls with that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX living breath XXXX born in the XXXX XXXX there fore I am afforded all of the rights put in place by our governmrnt and gaurenteed by my citizenship This Complaint is NOT A DUPLICATE I repeat THIS COMPLAINT IS NOT A DUPLICATE.In order for a complaint to br duplicated there would have to have been a finding of XXXX a proper investigation would have had to be don for wich neither has taken place .It is my legal right to ask for evidence used against me wich i have done so on numerous occasions, but my request for evidence has been repeadetly ignored wich is a violation of my rights by USSA , and the credit bureas XXXX. 
XXXX*My credit report shows 2 late payments more than days late ****MY COMPLAINT IS THE DATA FURNISHER IS REQUIRED BY LAW TO PROVIDE ME EVIDECE OF AN INVESTIGATION AND IF THE CFPB WILL LOOK BACK THE WILL FINT THATS I HAVE BUT NOTHING HAS EVER BEEN FROVIDED IF THE CFPB LOOKS BACK I HAVE ASKED FOR EITHER THE APPLICATION WHERE I APPLIED TO BE JOINT ON THIS ACCOUNT OR AUDIO WHERE I VOCALLY REQUESTED TO BE JOINT, AND HAVE NEVER BEEN PROVIDED .i WAS ASKED VIA A VOICE MAIL MBY A MEMBER OF USSA SUPPORT TO CALL THEM I DID SO OM 3 SEPERATE OCCASIONS AND LEFT VOICEMAILS BUT NO FURTHER CORRISPONDANCE CAME FROM MY ACTIONS cfpb I AM AWARE OF MY RIGHTS AND THER HAS BEEN CLEAR UNDEBATABLE VIOLATIONS MADE TO MY RIGHTS BY USAA. 
CFPB ALLOWING THIS FILE TO REMAIN ON MY CREDIT REPORT FURTHER VIOLATES MY RIGHTS, AS I WAS EXHAUSTED ALL TIME AND ACTION REQUIREMENTS ASKED OF MYSELF THE CONSUMER TO BE IN THE CLEAR TO REQUEST THE REMOVAL. i ASK THAT YOU ASK THEM TO REMOVE THIS FILE IMMEDIATLY AND I WOULD BE MUCH ABLIDGED IF YOU WOULD SEE FIT T GRANT MYSELF THE CONSUMER A MONATARY PAYMENT PER VIOLATION AS STATED IN THE FCRA BEING THE ELONGATED DAMAGE AND REJECTION THIS FILE ALONE HAS COST ME .THANK YOU IN ADVANCE SO JUST SO WE ARE ALL OF THE SAME PAGE cFPB A FAIR RESALOUTION IS THAT USAA EITHER PRODUCE A COPY OF MY APPLICATIN FOR JOINT ( THEY ( CREDITORS ) DO NOT JUST GO AND MAKE RANDOM OR EVEN REQUESTED PEOPLE JOINT MEMBERSHIP TO AN ACCOUNT FITH OUT FIRST APPLYING. THEY EITHER PRODUCE A COPY OF MY APP WITH MY SIGNATURE OR AUDIO OF ME VERBALLY APPLYING OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT PER MY RIGHTS GRANTED IN THE FCRA
Product: Debt collection

I believe that XXXX XXXX XXXX is acting unlawfully please see attachments for more information
Product: Credit reporting or other personal consumer reports

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXX XXXX  + pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE TO ME XXXX OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF XXXX MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with EXPERIAN, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Mortgage

I need billing statements for a legal proceeding. I requested statements at the beginning of XXXX. Truist sent statements for XXXX, XXXX, and the available months in XXXX, however they failed to provide statements back to XXXX as required and clearly requested. I requested again and did not receive any response even though I allowed a few weeks for them to complete the request. When I called today, they said they were unable to complete the second request ( no notice provided ), but they would submit another request. I requested to speak with a supervisor to emphasize the urgency of the request, and after multiple holds, I was told no supervisor was available. They also informed me that statements were not available before XXXX until I pressed the representative and she said they could do research. Considering that I have been requesting these for a month and a half and nothing before XXXX has been received, I believe they have failed to retain appropriate records.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Product: Credit card or prepaid card

Dear to whom it concern, On XX/XX/2019, I tried to transfer my membership rewards to my authorized flyer account ( XXXX XXXX ), however, I was notified that the system did not allow me to transfer my rewards because my account is " under reviewed ''. I contact the Membership rewards team customer service, they did not give me a specific reason what triggered the review. However, the representative told me it might take 6-8 weeks to finish the review, and before that, my membership reward points are frozen. She also told me if I try to transfer or use my points, the review process will take even longer so I was afraid to use my points during the time. On XX/XX/XXXX, I called the Membership reward team again to ask if my account is finished reviewed by the team and if my points were unfrozen. The representative told me that my account is NOT being reviewed anymore, and he was sure that I can start using my points successfully. On the same day after the phone call, I tried to transfer XXXX points to my XXXX Account through the membership rewards website, but the system still did not let the points go through. I called the general customer team immediately ( because the Membership Reward team was closed at the time ), I told the representative that I was confused because the MR team representative told me I can start using my points but I still can't, and I was also worried that the review process may take even longer because I tried to transfer my points during the time when they are still reviewing my account. The representative told me not to worry because if the MR team gave me the wrong information, they have the responsibility to make the review process shorter. On XX/XX/XXXX, I called the MR team and the representative told me my account was still being reviewed and apologized for giving me the wrong information yesterday, however, there was NOTHING they could do to release my points or make the review process shorter. I am very disappointed because it was not my problem that my account is under review ( every purchase on the statement was normal I really do not know why they are reviewing my account ). Also, the MR team gave me the wrong information causing me trying to transfer my points during the review, which led to a longer time of the reviewing process. I am kindly asking if they can release my points because of the mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, Equifax XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report & they were supposed to use my EIN & not my social This company & inquire are on my XXXX report Navy Federal XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681s -2 ( A ) ( 1 ) States that 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.C. 1681c ( A ) ( 5 ) 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 antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit card or prepaid card

Being told that I have a charged off account in which I owe money on, but can't freeze card so additional charges or fees are added, also I don't have this card. Have card charged off but the last XXXX is not XXXX of mine, in which they can look and see that I am working on getting my credit score better. I haven't received paper statements as requested and neither were going up on my credit app. I would pay what is mine but the other card I don't have. Need to find out charges, when and where it was used. Prosecute
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Product: Mortgage

Dear SPS, My request is not the identity of the " holder '' of my note. My request is for the identity of the party who owns and maintains an unpaid loan account receivable that is due from me to that party. 

I would also question as to how, through a long series of non-legal, void, voidable and possibly fraudulent assignments, did SPS become the servicer of my DOT and XXXX XXXX  become Nominal Mortgage Owner
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. 
Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.
Product: Mortgage

Bank of America lending officer ( XXXX XXXX, nmls ID : XXXX, ) will not provide Loan Estimate as per my request. All information outlined by the cfpb as constituting an application was provided to the lending officer.
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Request was reinforced by sending to link to cfpb website outlining the requirements.
Product: Credit reporting

I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed.