23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$870.00}
Product: Debt collection

XXXX XXXX XXXX XXXX listed a debt of {$680.00} on my credit report, saying the account was opened on XX/XX/2019. I have not been in the hospital in years and even if so, I have insurance that covers 100 %. This debt is not mine and this company needs to remove this IMMEDIATELY. This happens all too often with this company. They also sent NO correspondance regarding this fraudulent debt, another violation of the FDCRA. I knew nothing of the mistake to even dispute it before they just popped it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After opening an account with Capital One to help build my credit. My account number ( not card ) was compromised and charges were ran up on my account. A nice rep assisted me in helping to remove the inaccurately reporting XX/XX/2017 60 day late payment to a current status. However this update still hasn't became effective on my credit reports. This 60 day late payments is costing me terribly. I have been dealing with this well over a year. I would like to believe that the domino effect created with identity theft will not be tolerated at CapitalOne and all opitions to help EVERYONE not just those effected on a grand scale but also small scales can get justice also.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems , LLC is reporting XXXX accounts that have been closed since XXXX. 

The first original creditor is XXXX XXXX showing an amount of {$4200.00}. Jefferson Capital has relisted and re-aged the account multiple times even though I have disputed the information. As of XX/XX/XXXX, it looks like they relisted the account showing it opened as of XX/XX/XXXX which is not possible. The original creditor is showing as " Jefferson Capital LL '' which is also false. I never had any original agreement with this company! I have disputed this debt and requested that their false information be removed many times, but they will not do so! I demand that this be removed as it is hurting my credit score. 

The other debt they are reporting is a XXXX XXXX debt showing an amount of {$1900.00}. Jefferson Capital is showing that this account has been opened since XX/XX/XXXX which is not possible! Again, the original creditor is showing as " Jefferson Capital LL '' which is also not possible. They are falsifying these reports as they are not the original creditors! XXXX and XXXX were the original creditors from XXXX. 

I am demanding that they be held accountable and that their false information be removed from my credit reports completely! They should not be allowed to report false information just to try and achieve financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX accounts 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 has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions
Product: Debt collection

DEAR CAPITAL ONE BANK USA, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT # XXXX AMOUNT OWED : {$690.00} DATE OPENED : XX/XX/XXXX DATE CLOSED : XX/XX/XXXX
Product: Debt collection

This complaint is regarding PayPal. They continue to email me collecting on a debt. I have only used PayPal once and it was over 3-4 years ago and since then I 've used my credit cards directly to pay for any purchases. PayPal is collecting on a {$130.00} debt that they claim I owe but wants me to provide them my birth date and the last XXXX digits of my SSN before divulging to me what the {$130.00} debt represents. I use only XXXX credit cards to make all major purchases and make it a habit to pay it all off when it is due and do not leave any remaining balances. I know that I did not use Pay Pal for any new purchases since 3-4 years ago. I suspect this is a scam to get access to all my personal accounts. I 've called them and asked them to remove me from their call list. But the emails are continuing. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing the incorrect fraud things on my credit I XXXX XXXX say I own {$0.00} I wont deleted XXXX/XXXX  say I owe {$0.00} charge off deleted XXXX  XXXX XXXX I don't own I demanded them to deleted for {$460.00}, XXXX  XXXX XXXX  balance {$970.00} I demand deletion still not remove, XXXX XXXX  I ask to be remove, XXXX XXXX I demanded it to go XXXX/XXXX  I demand gone still nothing
Product: Debt collection

My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were XXXX at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for XXXX and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward dental work to be done. The manager at that time, stated that they can have XXXX increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the XXXX visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from XXXX XXXX, and AscensionPoint Recovery Services, LLC regarding the balance of {$800.00} for XXXX. The card arrived, but was never activated by my now XXXX husband. According to when I informed XXXX XXXX nd AscensionPoint of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is AscensionPoint, XXXX XXXX, XXXX in which now they are sending bill in my name.
Product: Student loan

XX/XX/XXXX XXXX XXXX XXXX took action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX XXXX would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. XX/XX/XXXX they handed my accounts over to Asset Recovery Solutions , LLC to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

*******PREDATORY LOAN ********* *******PREDATORY LOAN ********* *******STAY AWAY ********* I opened a loan with this company back in XXXX. For approx. {$5900.00}. I refinance in XXXX and received an additional {$1000.00}. This brings the total borrowed amount to approx. {$7000.00}. Ive been paying on this same loan for 5.5 + years every month for {$250.00} and was never late. That a total REPAYMENT amount I have made up to now is approx. {$14000.00}. I recently lost my job and the company is now harassing me saying that I still owe approx. {$3900.00}. The company has posted the late payment information on my credit report which has lowered my credit score. This has hurt me really bad. How is it possible to borrow {$7000.00} REPAY a total of {$14000.00} and still owe almost {$4000.00}??? This is unreal and probably illegal on the part of this company!!! Stay away form this company. I feel like if I have not been late and have repaid a total amount of around 200 % from the original amount borrowed I SHOULD NOT OWE money. My balance should XXXX!! Looking over my documents the APR is 36.00 %. doing the math on this at the very best I should only owe approx. {$1000.00} to have the total 60 months agreement payment fulfilled. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times 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 CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
Product: Credit card

I have had multiple issues with this bank over a year ago I was approved for credit then within 1 months they cancelled my card and said they did it because they couldn't verify my income I have been on XXXX for years now should not take much to verify. Applied for XXXX XXXX XXXX this year and was denied, called to dispute and was told that they could not tell me why. Requested denial letter that they said they would send in the mail that I never received instead they sent a link to me in an email which only stated that I have insufficient income to debit obligations. That was not true I have been able to pay all my debts on time with no issues that is stated in all my credit reports.
Product: Checking or savings account

On Friday, XX/XX/XXXX I called XXXX customer service telephone number XXXX. 
I called in order to have my account verified through XXXX so I could use it to send people money when need be. The representative that I spoke with took me through a bunch of loops In order to verify my account, including putting deposits into certain things to verify my account. Id became suspicious as the amounts were excessive. XXXX for {$700.00} and another one for {$450.00}. they started to ask for another transaction, and I stopped them and told them that I felt that I was being ripped off. They assured me that I would get all my money back. At this time, I stopped talking to them and called my XXXX XXXX  to file a fraudulent complaint. After a few days, they made a decision against me and said that these transactions were not fraudulent. I told him I wanted to appeal their decision and they told me would take at least XXXX business days for them to look at the situation I have been in contact with them every day since looking to find out if they resolved the issue and so far as of today, XX/XX/XXXX, the only thing they can tell me is it is under review XXXX  my financial institution froze my account so I have no access to any of my money. This is my account that I have direct deposit from my job and I need the money to pay for bills rent, etc.. The burden that I have been left with is costing me serious amounts of problems. I have filed a complaint against XXXX and XXXX  on the handling of the situation. I sent my complaint to XXXX  attorney general and I am now filing this complaint here if I was guilty of doing this, I would not be fighting so hard to prove my innocence and to get my good name back and access to my accounts. I know fraud is on the rise and its harder and harder to know when youre being scammed. But I know I did not choose to do this and I need to be redeemed of all monetary that was taken from me.
Product: Checking or savings account

I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.
Product: Checking or savings account

Reported identity, theft, and fraud to chase bank beginning in XXXX, and have filed identity theft with FTC. I am now in a homeless shelter yet Chase Bank continues to allow fraud to continue when I do not even have the debit card. This is in multiple thousands of dollars I have spoken with customer service over phone and in bank.
Product: Credit card

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX loan for a XXXX that I put $ XXXX down and XXXX sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX has corrected the mistake. I've made several attempts with XXXX and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation that the debt this company claims is mine. If they can not provide a document with my wet signature, then this debt is not valid. 

XXXX XXXX XXXX XX/XX/2020 {$210.00}
Product: Credit reporting or other personal consumer reports

Equifax has breached my private data. This is violating my rights under 15 USC 1681. This is a violation of privacy. I also want XXXX to start reporting my credit accurately and taking off any negative reports or charge offs. I have proof of identity theft and get a IRS pin number every year. On Equifax and XXXX my credit report is somewhat accurate. I would like this taken care of, per 1681n Civil liability for willful noncompliance, meaning ; if a company knowingly or recklessly violates the FCRA, legal action will be taken. Thank you
Product: Checking or savings account

3 years ago wells Fargo said I was spending my money in a suspicious way which I wasn't, I was just buyinXXXX XXXX They closed my credit card and my checking account which caused me to loose out on {$4500.00} to be made. That took me XXXX weeks to set up a new bank and accounts with bank. When I asked what I did I was just told I was a suspicious activity which I took very hard because I work hard for my money and will spend it how I please. That's my complaint and have no wish to talk to wells Fargo in the future
Product: Checking or savings account

XXXX XXXX debited {$1000.00} from my account for a transfer I initiated through the app. The app transaction was cancelled and XXXX XXXX returned the funds to my account at Chase Bank via an XXXX ( electronic funds transfer ). Chase Bank however does not reflect any corresponding credit leaving me missing {$1000.00}. 

XXXX XXXX provided an XXXX tracking numbers and requested that a representative from Chase Bank contact them to work together to locate the missing transfer. Notwithstanding filing a formal claim through their account services and several calls to various departments, Chase Bank has categorically refused to do anything whatsoever to assist me and has effectively wiped their hands clean of the matter. XXXX assistance or support in locating a missing XXXX for which I have provided tracking numbers and everything. 

See attached letter detailing the events together with supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, TransUnion and XXXX  stop allowed to operate his dispute center They are controlling life-changing information, and they clearly have no interest in fixing this issue avoiding customers dispute wrong accounts in reports which is illegal. Every customer by law have the right to review their account and dispute any wrong statements. By email they never receive the documents they state always please resend it never arrive. No one is doing anything to find a solution. XXXX  is running a similar scam, where their site is always down for disputes, you have to send things in the mail, they get lost, etc. I have submitted multiple disputes for erroneous reporting and have gotten a resolution expected when I tried to re submit did not allow. I hope CFBP will help doing something about this scam by this companies in which mos of the time get money from third parties to continue operating in this way.
Product: Payday loan, title loan, or personal loan

Netcredit obtained my information and entered me into a consumer transaction without my consent or knowledge Netcredit is in violation of 18 U.S. Code 1028A -Aggravated Identity theft amd 15 USC 1691 ( d ) ( 6 ) Netcredit does not have the right to the credit pull that 15 USC 1681b ( a ) ( 3 ) ( A ) grants a credit reporting agency I never applied for a loan and I have the capacity to contract since I am a natural person so you denying me my own credit is discrimination pursuant to 15 usc 1691 ( a ) ( 1 ).

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