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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX Original creditor : XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$240.00}. Inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft twice I have been through the ringer with equifax They have not obliged to anything I have mailed including two police reports five times very secure yet pertinent information because they will not talk to me over the phone and I can not log in online because of a security question I am answering wrong They had my birthday incorrect in which I fixed and I am trying to get them to remove a consumer statement that makes me look like an idiot because it makes no sense at all I never requested this to be on my report as well I never requested a security freeze for seven years They are taking this way too lightly The other companies and I have come to agreement and they still will not fix anything on my report I have paid about XXXX in mailings to them and the other companies and now most of the companies listed are the companies that bought out fraudulent accounts and the original accounts are no where to be found yet they still will not work with me and Im at my wits end The need to remove all hard inquiries the consumer statement that I did not write and all of the other garbage on there that XXXX and XXXX  have taken care of a long long time ago and this is effecting my credit and I need them to be on the same page as me. Enough is enough I am so sick of mailing them because I can not log in or speak to them I need help. Please for the last time they need to contact me instead of just letting my information fester incorrectly since 2015. 

Please advise and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX*Balance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$920.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3500.00}
Product: Credit card

Hello, There am have two occurrences Where someone has opened a credit card in my name without my permission. Once with XXXX and once with XXXX XXXX XXXX. They put charges on both cards. I called both organizations and they stated that the transactions and card are under investigation.
Product: Mortgage

I assumed a loan with freedom mortgage. They have rescinded my access to their portal. They have provided no timeline for a fix. Since then they have disabled automatic payments on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX  and transunion if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balance Owed : {$1700.00} XXXXXXXX XXXX XXXX Balance Owed : {$600.00}
Product: Debt collection

I'm trying to get the flowing removed off my credit report. I called Collection Bureau Services and asked them if I had a balance on XX/XX/XXXX and they stated no that all accounts were paid in full. I asked why they were still on my credit report and they stated they are reported with a XXXX balance. I asked why there were not closed and she stated they are reported with a XXXX balance again. 

Can you please remove from my experian report the following since there is not a balance and they obviously have not closed it and think that because it has a XXXX balance that it shouldn't matter. 

COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX COLLECTION BUREAU SERV XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.

I formally dispute the validity of this alleged debt. To date, I never received due notice, of any alleged debt, or my right to dispute. Despite never receiving such notice, DRS has illegally reported an illegitimate collection account to my credit reports, causing insurmountable damage to my credit score. I was a victim of identity theft, and had DRS followed the law, and allowed me the opportunity to dispute, I would have responded within 30 days, and provided proof of the aforementioned. I have had a plethora of fraudulent accounts opened in my name, that I did not initiate. I do not owe this debt or any debt to DRS, LLC or to any third party DRS, LLC is stating to represent, nor did I have any knowledge of the alleged account. 

I am formally requesting DRS to immediately remove the fraudulent reporting information from my account. If the adverse information placed against my credit reports is not removed within 4 business days, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX XXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

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 or other personal consumer reports

On XX/XX/year> - XXXX XXXX XXXX XXXX XXXX Tx ran several credit checks to make sure they found me the right lender. Please delete the following uncomfirm inquiries due to lacking certiable evidence unless physically certified verified proof is being demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. Thank you! 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX OF XXXX XXXX Balance Owed : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Product: Credit card or prepaid card

I have a lot of statements saying I payed for something I did not pay for and hotel rooms I was never in My bank is flagstar bank I was also sent false statements mailed to me I also changed cards I think someone got my routing number and account number I'm on XXXXXXXX XXXX XXXX XXXX  did not realize all this till now
Product: Checking or savings account

I am formally submitting a complaint against First National Bank of Omaha, located in XXXX, XXXX, for unlawfully not allowing me to open up an election account via XXXX without an upfront payment of {$100.00} to cover election expenses over {$5000.00}. The events took place approximately XX/XX/XXXX, XXXX XXXX, XXXX. I visited in person the First National Bank of Omaha, located at XXXX XXXX XXXX, XXXX, XXXX XXXX and the First National Bank of Omaha, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Both locations denied me the right to the election account even though the XXXX XXXX XXXX ( XXXX  ) process that would have needed to be completed was already thoroughly done. 

Nebraska state statue states any account that makes over {$5000.00} in campaign donations would need to pay a fee of {$100.00} to the Secretary of State. This fee is not a pre request, but post request. I was unlawfully denied the account and my civil, and financial rights were violated not only with First National Bank of Omaha, but in congruence with the Nebraska Office of the Secretary of State as because they get paid through the banks they do not enforce the civil rights portion of it. As of today XX/XX/XXXX I was able to successfully win my election without spending any money, nor opening up any additional bank accounts, nor with any XXXX filing, which proves I never would have accumulated {$5000.00} or more in campaign donations, and therefore would not have needed to pay the {$100.00} fee as First National Bank , and the Nebraska Secretary of the State office was corroborating in forcing me to pay. I also spoke to several members from the Nebraska Secretary of State office seeking clarification, in which I was told I would need to speak to the State Attorney. As of today, XX/XX/XXXX I am still waiting on the attorney to call as what was told to me would happen. I am looking to seek retribution on this matter in which negotiations at that time can be discussed in further details. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Product: Money transfer, virtual currency, or money service

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND THEM WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO  TAKE OUT MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN USE MY MONEY.  THEY JUST MADE ALL DIFFICULT FOR ME.
MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  I  NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  THEY SAID I CAN SEND MONEY TO MY FRIEND AND FAMILY AND AFTER I DONATE MONEY TO MY  FRIEND THEY BLOCKED MY ACOUNT , AND THEM THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY .   I THINK THIS COMPANY STOLE MONEY FROM PEOPLE , WITHOUT THINK HOW PEOPLE WORK FOR GET THE MONEY. THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE . I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON . PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REAZON I AM FILE A REPORT HERE. PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE YOUR COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE. MY CASE IS AN EVIDENCE.
MY EMAIL IS XXXX
Product: Credit card or prepaid card

I have a Bank of America XXXX debit card, into which XXXX ( California XXXX XXXX ) deposited moneys owed me by XXXX for my XXXX XXXX claim. I have only used the card for ATM withdrawals. One day I checked my statement and found that a number of store purchases had been made totaling {$720.00}. I reported the fraudulent charges to Bank of America fraud line. They refunded me the full {$720.00} for all of the fraudulent charges. However, they froze my account. 

Today XX/XX/21, I called B of A to request a new card. At this time I had my ATM receipts and a calculator in front of me, and I upon examination of my account statements on the B of A website, compared with my ATM withdrawals, I discovered that {$100.00} was missing from my account. I was able to determine that the {$100.00} disappeared between XX/XX/21 and XX/XX/21, so I called the B of A fraud line again. This time the first person I spoke to saw the discrepancy immediately and transferred me to another individual " who could help you sir ''. This person told me that because they could not see any transaction for {$100.00} that there " ... is nothing I can do to help because I can only correct fraudulent transactions ''. The person they transferred me to, evidently, could not add, because, after some minutes of agreeing with me then disagreeing, finally started raising her voice, interrupting, then yelling at me. I had been on the phone for XXXX minutes and I spoke to XXXX people, all claiming they corrected fraud issues. The last person hung up on me because I called her out for yelling nonsense at me. 

The facts are these : On XX/XX/21 I did a balance inquiry and found that I had {$1200.00}, so I withdrew {$1000.00}, leaving me {$220.00}. The next transaction I made was on XX/XX/21, and that was a balance inquiry, which informed me that my balance was {$110.00}. This means that {$100.00} was taken from my account. I have only used this card to deduct money from ATMs, and there was no withdrawal for {$100.00} nor was there a purchase for that amount. Thus, B of A somehow removed {$100.00} from my account. I meticulously added all of the transactions and sure enough, B of A removed {$100.00} from my account! B of A employees stated that they could not deal with this because although the funds are missing, there is no transaction by which the money was taken, and so finally, they hung up me. After XXXX minutes trying to get the {$100.00} B of A mysteriously lost from my account. 

I will call again tomorrow, however, evidently, B of A fraud employees do not know how to write up monies missing from an account unless the money is missing via a fraudulent transaction. This theft occurred via their software, and they know it, but refused to do anything about it.
Product: Checking or savings account

Since XXXX I have been calling Chimr at XXXX to advise my my pay feature is not showing in my app although i am eligible and once had access. They stated an error needed fix and promised XXXX plus times to fix it and have never fixed it nor had anyone follow up with me. This is unethical business practice and im quite frankly tired of calling these people
Product: Credit card or prepaid card

I've had a Capital One Platinum card for over 8 years and never missed a payment. Capital One currently advertises this card as having no annual fee. My account, however, has a {$29.00} annual fee, which customer support has advised me is " grandfathered in '' and can't be waived. When I asked why a new customer can sign up with no annual fee, whereas a customer with 100 % on time payments for over 8 years must pay a grandfathered fee, the explanation I was given was " it's just the card terms. '' Capital One has repeatedly refused my requests to either permanently waive the annual fee, or upgrade my card to a Quicksilver Rewards card. 

This is a nothing less than a predatory practice by Capital One the only way to avoid the annual fee is to cancel the card, and absorb the resultant damage to one 's credit report. Capital One is effectively holding my credit score hostage for ransom.
Product: Checking or savings account

America First Credit Union has made the decision on behalf of their members to opt them in to their premium checking which requires a {$1500.00} balance to be maintained, direct deposit and 20-30 debit/credit transactions per month or be charged $ XXXXmonth. This should have been an opt in option. Its also sneaky and underhanded. I havent received an email notification, I only found out about it through a news article and then found it on XXXX. This is unethical, I would expect this from a bank, not a credit union. 

https : XXXX
Product: Credit reporting or other personal consumer reports

Please check the information the XXXX XXXX XXXX below in the attachment.