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

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

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPORTUN INC./PROGRESO FI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Checking or savings account

I was locked out of my cashapp account. I messaged cashapp customer support asking if I could make a second cashapp account with a different email, which is the now locked account. They told me yes, I could. I made and used the second cashapp account for a period of around 5 days before my device broke. Upon attempting to login to my account with the new device, the security check failed because it wished to verify the contacts on the phone and wouldnt let me try any other verification method. As it was an older phone, the security system denied and locked the account because the contacts didnt match up enough. I have tried regaining access through customer service multiple times over the last 10 days, since XX/XX/XXXX, and cashapp customer service says there is no way to override this decision and instructed me to make a new account. I also just received the cashcard for the account, and am not able to activate the card to withdraw my money. I have given cashapp customer service everything required to verify my identity including my SSN and a picture of the entire cash card that they sent me in the mail with my cash tag on the card, and they still said they can not override the decision. I have {$420.00} dollars on the locked account and they refuse to grant me access.
Product: Debt collection

Alleged debt was purchased by this collection company and on XXXX I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital XXXX to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year XXXX  XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. 

Under Section XXXX A XXXX XXXX Code XXXX XXXX, Section XXXX XXXX XXXX Code XXXX b, and Section XXXX B XXXX XXXX Code XXXX XXXX, all fraudulent information needs be removed within 4 days. 

Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX & # XXXX ; XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Finance ) XXXX XXXX ( Finance ) CAPITAL ONE ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition XXXX late payments must be removed XXXX 
It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

World Recovery Service  ( WRS ) collected on a debt that I had back in  XXXX  of  XXXX . I received a letter from WRS that states that the account in question was paid in full. In  XXXX   XXXX  I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.
Product: Credit reporting or other personal consumer reports

Ally Bank checked my credit twice on XX/XX/24 without my authorization. I am requesting these inquires to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct # 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 a account without my written instruction.
Product: Mortgage

The lender of my paid off mortgage, Ditech, has failed to return my escrow funds. The load was paid on XXXX XXXX, 2016 and I have yet to receive the funds. I have contacted the lender multiple times and have been told several different stories regarding the escrow funds. Basically, they tell me " check 's in the mail '', but I have never received it, although I did receive the final escrow analysis indicating that funds were due to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Re : Late Payments Dear XXXX XXXX, I have been a loyal and proud consumer of XXXX XXXXXXXX products and services for over 20 years. With that being said, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to ( 15 USC 1666 ( B ) ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Pursuant to ( 15 USC 1602 ( L ) ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
With regards to ( 15 USC 1602 ( L ) ) there is no such thing as a late payment because the account was paid in full the moment my credit card ( My SSN card ) was accepted. 

I NEVER DELIVERED, XXXX XXXX or Experian any written instruction to furnish any information on my consumer report which is a violation of ( 15 USC 1681 ( B ) ). XXXX XXXX and Experian has caused severe stress, anxiety & financial hardship due to the abusive and unfair practices. 

The good thing about being a loyal XXXX XXXX consumer of the products and services offered is that in the past when I had issues in relation to my accounts, XXXX XXXX has gone above and beyond with excellence customer service to provide me with resolutions that were favorable. I feel comfortable saying I know this situation will be no different! 

These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAID or PAID AS AGREED : Personal : XXXX I was never late on ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) on this account please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report, and I request that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that Experian will recheck these items with the XXXX XXXX who has posted them. 
Please remove any information that the creditor can not verify. I understand that under ( 15 USC 1681 ( I ) ( A ) ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

My BOA accounts were not accessible online or through the app starting last night. I was able to speak to someone this morning and was informed my checking account was going to be closed. She would not disclose a reason why and just cited a robotic script regarding BOA 's contractual rights to terminate any account. 

This is completely preposterous. I am a platinum honors client and just deposited a check recently in the amount of XXXX to reach platinum honors tier. I saw that a hold was placed on the check until the XXXX. I never had any issues with my banking relationship with BOA since account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XXXX  - To Remove from XXXX XXXX : Inquiry : : : XXXX - To Remove from XXXX Equifax : XXXX XXXX XXXX Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : XXXX -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on XXXX Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Product: Bank account or service

The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from XXXX, XXXX and Experian for the following tradelines ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items from my credit report
Product: Credit reporting or other personal consumer reports

I would like for XXXX Experian and XXXX to stop sharing my nonpublic personal information per my rights under the XXXX XXXX. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX attempted to collect a Debt from Creditor XXXX for {$86.00} On XX/XX/2019 I sent a letter notifying them of the invalid information for charges that XXXX has inadvertently sent after service ended. This dispute was resolved with XXXX and I have had ongoing service with them to date. I submitted a dispute with all three credit bureaus. I won the dispute and the item was deleted from my credit report. XXXX XXXX acknowledged this decision and sent a letter stating that the debt will not be re-reported to the credit reporting agencies by XXXX. XXXX. XXXX. XXXX has now changed the reference number to make it appear like a new claim, violating their mailed statement on XX/XX/ and reported it to Equifax. 

I believe they should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXTREMELY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING AS DEROGATORIES ON MY CREDIT FILE. THEY HAVE BEEN REPORTING INACCURATELY AND INACCURATE TRANSACTIONS. THEY HAVE CAUSED TREMENDOUS HARM AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT FILE AND HAVE THEM PURGED PERMENENTLY OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in my Equifax credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have these accounts placed on my report by Equifax. Please remove these accounts immediately, as my rights are being violated. Legal action shall be taken against this company, should these accounts, inquires and addresses below not removed from their report. 


Please update me, when these items are removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 

Former names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last payment made to my credit card account at XXXX XXXX XXXX  was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.