23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear BMO previous bank of the west I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of human trafficking. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 

To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of human trafficking, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or ( XXXX ) XXXX I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX of government-issued ID
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying but interest seem too high I started aXXXX almost 2 years ago still owe XXXX  and Im only  one payment behind something just doesnt seem right
Product: Debt collection

Consumer portfolio service is leaving my mom voicemails stating they want to repo my car. His name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove the account. The reasons I was given is their need to contact the " original creditor '' in order to validate the deb. I informed the agencies they are in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 


The agency is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMTDUE SHOWS : {$4800.00} THIS ACCOUNT WAS OPENED OVER 12 YRS AGO. IT FAR SURPASSES THE 7 YR TX REQUIREMENT FOR STAYING ON A CREDIT REPORT. IVE ALREADY SENT IN A DISUPUTE THROUGH XXXX AND IT IS STILL SHOWING. I NEED THIS REMOVED FROM MY REPORT, ITS SEVERELY AFFECTING MY CREDIT. IM GETTING DENIED FOR THINGS I SHOULD BE EASILY GETTING APPROVED FOR. THIS AMOUNT WAS ALSO SENT TO A CONSOLIDATION COMPANY BACK IN XX/XX/XXXX. PLEASE TAKE IN CONSIDERATION OF REMOVING THIS ASAP.
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00} 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: Debt collection

Account Name : BK OF AMER Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from my credit report
Product: Bank account or service

I recently filed a complaint against Chase Credit Cards ( Chase Bank ) and am still awaiting a resolution. The number of that complaint is : XXXX ]. Since filing this complaint, another serious issue has surfaced. I just got a new credit card from Chase with a new account number which is unacceptable because I did n't know of any problems or that my account was compromised in any way. When I called Chase Customer Service this morning to find out why I received a new card and new number, I was told that fraudulent charges appeared on my account. I never reported any fraudulent charges and I check my account on line several times a day and never saw any signs nor did I have to report any fraudulent charges on my account ending in XXXX.. About 6 months or so ago, I did report a fraudulent charge on my account ending in XXXX that came from XXXX and realized at that time they were going to issue me a new credit card with a new number. Although it was inconvenient, I knew I had no recourse. However, at this time I am adamant about Chase advising as to who reported a fraudulent charge and/or who the merchant was that posted the charge to my account. Chase is overstepping their boundaries as far as I am concerned and making changes that should not be made to my account. This is causing me a great deal of stress and aggravation because I have debits coming out of my account ending in XXXX and do not want to be embarrassed by having the charges declined. I am also going to contact an attorney to see if I can get a final resolution of this matter. I only disputed a few charges for not getting the product ( s ) that I ordered but certainly not because of any alleged fraudulent charges.
Product: Credit reporting or other personal consumer reports

I can not make a payment with the XXXX XXXX XXXX XXXX because they have removed the ability to make a payment online via my account. They are located in Virginia and I am located in West Virginia & Florida. I need to be able to make a payment to get my account cleared up - without having to agree to a resign - and without having to make a phone call and wait an hour to receive someone to speak with. 

They are really bad at this, I have made late payments yes but they are making it humanly impossible with their bad/unprofessional business tactics to get the account caught up, without me having to do a " resign '' I can currently not see ANY information on my account - that is illegal in itself. 

Please have them reach out to me with valid access to make a payment and see my account information correctly - as every consumer should have access to their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. Experian failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies so please fix this error.
Product: Bank account or service

The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!
Product: Credit reporting, credit repair services, or other personal consumer reports

Toady. XX/XX/XXXX, I attempted to obtain my XXXX XXXX results. Alas, it said my correct information was incorrect and I couldn't access them. So then I tried to make some accounts on credit websites all of which said the info didn't match the credit beauro. So someone has put false info under my social security number.
Product: Credit card

XXXX : Urgent Request for Account Removal from Credit Files To the Discover Card XXXX XXXX, I am writing to address the continued presence of an account on my credit files, which your office previously indicated would be removed. Despite my efforts to resolve this matter, it remains unresolved. Regrettably, due to my XXXX, I am unable to manage this account and associated purchases. It is important to emphasize that the account balance and account ownership are not mine. I urgently request the permanent removal of this account from all credit reports. Enclosed are the requisite documents, including a police report, an FTC affidavit, and XXXX verification, along with numerous dispute letters. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX Dear Discover XXXX  Team, I am writing to address the issue with my account at Discover XXXX XXXX. I have noticed that you have been deducting payments for this account, even though there is a balance on the account that does not belong to me. I have tried to bring this to your attention, but you have been unresponsive. 

In addition, you had sent me a letter in XX/XX/year>, advising that this account would be removed from my credit files and that I wouldn't be responsible for it. However, you are now trying to hold me responsible for it, which is not correct. I have continuously followed up with you and have even filed a complaint, but you have yet to resolve the matter. 

I would like to request that all payments deducted from my account by Discover be refunded to me. If this matter is not resolved, I will be forced to claim with FTC and CFPB. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX AM To : XXXX XXXX XXXX Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : DISCOVER CARD FRAUD COMPLAINT I have reviewed my updated credit report and noticed that the Discover Card Bank account is still showing. Despite receiving multiple deletion letter requests from both Discover and myself, this account and balance do not belong to me. 

I kindly request that you remove this account from my credit files and comply with the rules and regulations for credit card issuing. 

Thank you for your assistance. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX AM To : XXXX XXXX XXXX Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX
Product: Debt collection

And as far as dates and times this has been going on for years I finally decided to fight back I'll get as close as I can on the dates from XX/XX/XXXX all the way up to XX/XX/XXXX every day they would call even on the weekends then I heard if you use the word stop, then they would stop and it did. Then the letters started coming and I found some in accurate information XXXX XXXX, XXXX XXXX. I wrote letters to all of them asking them for a detailed account of the information they had I told him they have 30 days to respond. This was sent on XX/XX/XXXX. No response then I got to looking at the dates on what was being reported and found with all three agencies that there's inconsistencies in their dates and Active this is incorrect or this is why I am writing to you. I am familiar with something called 15 USC section 168. I heard that if you can provide proof these cards must be deleted and I want these accounts deleted if they are not 100 % correct please investigate I know you have 30 days to complete an investigation. Can you please remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXX XXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Debt collection

I moved out of an apartment run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the lease terminated XX/XX/2024. At the time the lease ended, all balances to the landlord agency were confirmed to be paid. On XX/XX/2024 I received a text from landlord agency stating I had an unpaid balance and would be sent to collections. I requested clarification and statements and was told they would get back in touch with me. Apparently after the end of my lease additional utilities charges were added of roughly {$110.00} but I was never informed. I continued speaking with the landlord agency wanting to dispute charges because in XXXX the law requires an itemized bill within XXXX days of moving out which I never received, and the agency said the would look into it and get back to me, but they never did. On XX/XX/2024 I was again threatened with the bill being sent to collections. I did not want to deal with that, so I paid the bill the next day because I needed my account unlocked in order to pay, and received a statement showing it was paid. A collections account was then opened, either the same day or shortly after but I dont know when exactly, with XXXX XXXX XXXX for the bill I already paid. XXXX XXXX will not close the account or stop reporting the debt despite the efforts I have made since, and the original landlord agency will not talk to me. XXXX XXXX claims that the debt has to be paid to them, or for a larger amount they can dispute the debt with transition or equivalent on my behalf. Me providing statements showing the debt was paid before it was sent to XXXX XXXX did nothing.
Product: Checking or savings account

This is a follow up to complaint # XXXX. First Interstate holds money against depositors will.. 
The banks response was totally unacceptable. They just repeated their policy that prevents me from withdrawing my share of an inherited CD. The policy is self serving. It is not the law but a scam to prevent withdrawal of funds from their bank. How many accounts, and how much money are they holding against depositors wishes.? This " policy '' needs a Class Action Suit with financial penalties to be filed! Are you hearing me CFPB? First interstate needs to release my share of the aforementioned CD without the signatures of the other beneficiaries. Which is Totally Legal and morally right. 
Absolutely outrageous that First Interstate bank is allowed to hold my money against my will and my dead mothers wishes. I want a real response, not some XXXX bank official repeating their " policy '' scam. The bank can legally release my money, SO make them do it!
Product: Credit reporting or other personal consumer reports

For 3 years I've been battling with Equifax to get access to my account. Recently I was asked once again, being like the 5th time, to submit a copy of my driver 's license, social security card, and a letter stating the issue. I even submitted copies of my utility bills. I called Equifax and was told that they received my documents and yet I still do not have access to my account. Every time I call I get the same answer that it will get escalated to the right department. I never get a call or an email about any kind of progress. This is very frustrating. I don't know what the next step would be. Please investigate as I've exhausted all that I can do.
Product: Credit card or prepaid card

I reached out to get a new card to use as the billing address changed. The company notified me that they wouldn't issue a new card because they closed my account. However, there has been XXXX notice that the account was canceled. They stated that they canceled the account due to returned checks, however, this was an accounting error on their end by an account I never added to the profile. So I personally never sent a bad check. I also paid off the account so there should be no reason to cancel. I also don't have a poor payment history with the company. At this point, I do not wish to continue business with their credit agency, however, I do want to make it known that this company canceled my account with no notice to me over an error on their part. I hope future consumers are protected from this type of behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX noticed that {$12000.00} was charged to our account through XXXX separate transactions beginning on XX/XX/XXXX. When calling to file the claim with Wells Fargo, the intake specialist had me add transactions that were further back than the 60 days that are allowed to have a transaction reimbursed to the consumer. When a specialist from Wells Fargo called and spoke to my husband, they alluded to the idea that the fraud might have gone back as far as XXXX of XXXX. They shared with him that while they would only cover the XXXX for reimbursement, that adding it to the claim would be a good idea. Unfortunately, a couple of those transactions happened to be valid. Because the valid transactions were part of the claim, the whole claim was denied. Even the funds that were fraudulently charged. 

We received that notification on XX/XX/XXXX. When I called to speak to escalate the claim, I was told that it is what it is and we would no longer be able to claim any of the transactions as fraudulent. The agent, XXXX, even had the audacity to say that she assumed my husband was an adult of sound mind and could approve those transactions to be added to the claim. 

I spoke with XXXX XXXX, which is where the transactions were all processed, and they verified that the transactions that started on XX/XX/XXXX were not us. The names on the tickets that were issued were not ours and it was clearly fraudulent activity. But the request for the return of the funds had to come from XXXX through Wells Fargo. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX XXXX XXXX regarding the fraudulent activity. 

On XX/XX/XXXX I once again spoke an agent at Wells Fargo who confirmed that they did not even send the fraud transaction information to XXXX because their internal investigators denied the initial claim. 

We are out {$12000.00} and have no recourse to get those funds back per Wells Fargo. Any help you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX XXXX FL, XXXX XXXX DE and Capital One XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 months equifax has failed to conduct a thorough investigation. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an investigation that failed to review any of the documents and allowed the creditor to continuously change the delinquency dates. As I filed CFPB complaints Equifax did not review what was stated in the complaints and kept throwing the account in dispute as balance being disputed which was incorrect. I have over 25 recorded calls of representatives and supervisors disconnecting the call on me, cold transferring my call without notice, discussing information in my file without verifying me first and denying my right to be transferred or speak to a supervisor. The last credit report I received from Equifax on XX/XX/2019 stated the account was updated as pays as agreed and all late charges were deleted. On XX/XX/2019 I received notification that I had a new charge off listed on my report. Equifax made modifications on the report to again reflect charge off with no notice to myself. There were no open disputes on file and all disputes in regards to the acct had been cancelled as of XX/XX/19. They have made SEVERAL FCRA violations. My credit score has been affecting as it is reporting I had a deliquency reported a month ago but this account was reported as a delinquency 6 years ago.1. CRA failed to conduct a proper investigation and follow dispute guidelines2. Failure to notify myself with the new negative credit information.3. CRA is reporting an old debt as new by manipulating delinquency dates to list account as first being reported as a charge off in 2019.4. CRA’s are obliged to correct or delete inaccurate information within 30 days and failed to do so5. CRA continued to report a debt as charged off when it was settled or paid.
Product: Vehicle loan or lease

Late payments reported to account XXXX, XXXX, and XXXX during COVID even after spoke with lender to make arrangements and payments.
Product: Debt collection

This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!