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 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. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
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 or other personal consumer reports

SELFINC/LEAD I have multiple late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of payments. 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 https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX
Product: Checking or savings account

I first ordered a clothing set from the XXXX x XXXX company in XX/XX/2020. Unknowingly, I was enrolled in a XXXX  account where I would be charged {$49.00} a month for a subscription. I attempted to cancel it but there is no clear way to do so. I contacted customer service when I receive XX/XX/2020 charge and was told I had to wait 90 days to cancel but if I logged into the website, accessed my profile, and then hit skip this month, I wouldnt be charged. I was charged XXXX times. I reached out again in XX/XX/2020 and was told there was no cancellation support due to the pandemic. I have contacted customer support for almost XXXX years now. I have to set a reminder to skip or in charged. Ive tried reversing it and filing a claim with my bank, but because I signed up they could not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have written a letter to Experian and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the XXXX that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified must be removed immediately, since they are stopping me to getting into a home. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. the account is listed below : XXXX XXXX Balance : {$0.00}
Product: Credit card

I have XXXX Capital One credit cards and each has a different interest rate. I called Capital One to have the lower interest rate applied to the card with a higher base interest rate ( XXXX ). Capital One applies the base interest rate at the time the account was opened and will NEVER change it. Capital One will allow you to open another account to get a lower interest rate based on your credit score, how ever they WILL NOT allow you to transfer any balance on an old Capital One credit card to a new Capital One account with a lower interest rate. I believe this is an unfair and illegal business practice, and if not illegal, it should be made illegal.
Product: Credit card or prepaid card

I realized my debit card had been stolen through the GoProgram AL Child Support. I was able to immediately cancel the card but I could not dispute any of the transactions that occured through my online account or through calling them to dispute the transactions. I tried to call the number multiple times to other ever get a recording saying " we are experiencing heavy call volume. Please try again later. '' I tried to call my local DHR and they told me they had no other way to help other than to keep trying the same number. I tried to call XXXX XXXX, who issued the card. They told me they only issued the plastic and again I would have to contact GoProgram directly. It has been a week now and I still not can not get anyone to answer my calls. I had almost XXXX taken out of my account and I can not get any of my funds back because no one answers. 
The transactions that were made were : 1. XXXX {$14.00} XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX  {$340.00} XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX {$120.00} XX/XX/XXXX 5. XXXX {$30.00} XX/XX/XXXX 6.XXXX ( 4 transactions on XX/XX/XXXX ) {$27.00}, {$19.00}, {$13.00}, {$15.00} 7. XXXX {$20.00} XX/XX/XXXX 8. XXXX XXXX XXXX {$27.00} $ XX/XX/XXXX 9.XXXX XXXX {$21.00} 10.XXXX XXXX XXXX {$10.00} XX/XX/XXXX 11. XXXX XXXX {$15.00} XXXX 12. XXXX XXXX XXXX  {$110.00} XXXX 13. XXXX   {$33.00} XXXX 14. XXXX  {$8.00} XXXX 15.XXXX {$11.00} 16. XXXX   {$21.00} I did not realize my card was stolen until XX/XX/XXXX when I signed into my mobile account. I was able to cancel the card immediately. All of these transactions happened in XXXX, GA, XXXX, GA and some were even in New Jersey. I live in Alabama. The total amount of money stolen from my account is XXXX. I can not believe I have spent over a week calling over and over again everyday and there is no bank associated with this " goprogram '' or no kind of customer support that answers the phone. It also frustrates me that I can not dispute any of these transactions online. There is a button for it on my account but it does not let you click it. It just says if you suspect fraud, call immediately. Well calling immediately does no good if no one can answer the phone. I just want the money back in my account. Please help!!! I do not know what else to do at this point.
Product: Checking or savings account

I Dont Have The Dates But I Have Been Denied Access To Opening Accounts At Almost Every Bank You Can Name
Product: Credit card

I did have an autopay with XXXX XXXX XXXX XXXX, but at the same time I setup an autopay with XXXX XXXX ... when we canceled our XXXX account, we immediately switched to the XXXX XXXX account..this has been fine until this month when THEY reverted back to the now deleted XXXX account... I have tried numerous phone numbers and chats and have been unable to make them understand,,, and now there are more fees today from a returned check that I know nothing about. I have pleded with them to let me talk to a representative but to know avail.
Product: Mortgage

On XX/XX/XXXX I filed a complaint with cfpb ( see attached ). The company called me and said they would fix everything and pay the fines. In the mean time someone else from Loan Depot contacted me about a new refi to reduce my interest rate. I said ok and told them that another individual ( XXXX XXXX ) was working on the problem from the last refi. They said they would check into it. I then went through the process and told them multiple times that the XXXX lease had to be dealt with and gave them the contact info for their escrow company. We then got to XX/XX/XXXX and they said they were ready to fund I asked them where they were with the XXXX lease and they said they would get back to me. a few days later they called and said their escrow company doesn't know how to do that and I would have to get my own escrow company. So I did and they went through the process and I finally got my loan refinanced correctly and legally. However, Loan depot never did pay the fines which are {$1200.00} ( see attached ). And XXXX never answered the many calls and just disappeared.
Product: Debt collection

I have written Kinum Inc 2 letters to ask for validation of an account they are reporting on MY credit. They have never sent me any letters in the mail, no dunning letters, no standard debt validation letters, nothing at all. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. This complaint will again request that you follow the FDCPA.
Product: Credit reporting, credit repair services, 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 : MN CHILD SUP Account number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

MoneyGram cancelled my transaction ( {$2000.00} ) due an error. Despite the cancellation, they withdrew the money from my checking account. They said it may take up to few weeks to get my money back. That's not fair. I sent the money on XX/XX/, they cancelled the transaction on XX/XX/ and withdrew the money on XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from XXXX collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy. 
PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has received a letter deputing the negligence of compliance on XX/XX/2022. They have never acknowledge nor sent anything in the mail. Pursuant to 15 usc 1681 Transunion can not report anything on my account without permission! Also, this investigation has taken longer than 30 days!
Product: Debt collection

on XX/XX/23 I reached out to CFPB about LVNV FundingXXXX Resurgent Capital attempting to collect a debt from me. When I requested validation of the debt LVNV/Resurgent capital provided bank statements which is does not constitute validation of a debt. In response to my CFPB complaint, LVNV Funding/Resurgent Capital provided a FAKE bill of sale. This bill of sale has no identifying information. It does not identify me, any addresses, any account number, any accounting, the description of the item sold, what was agreed or what was paid for, it shows nothing, and CFPB immediately closed my complaint citing LVNV/Resurgent capital responded. It is the duty of the CFPB to protect the consumer of unfair deceptive or abusive practices and take action against companies that break the law. This practice is deceptive and constitutes fraud! LVNV/Resurgent capital has continued to pursue me in regards to this debt and is still reporting this debt on my credit report although they still have not provided validation of the alleged debt or any legal proof that they have a right to collection on this debt!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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: Debt collection

I kept getting calls from the XXXX forgiveness program, sooner or later Im having hard times so they got me now i regret it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are XXXX visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in XXXX  I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX!!! Im in the midst of trying to make a police report and get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXX way house. 

Sometime during my XXXX  my credit card information was stolen. However both XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX  refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

XXXX has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I receive multiple calls a day from this credit collection company, from the same person, everyday. I have spoken to this credit collector once for over 35 minutes a couple weeks ago and specifically told them not to call me between the hours of XXXX due to my work hours. I advised them that I am not able to make good on this debt at the moment due to lack of funds caused by unfortunate circumstances. I had to repeat myself over and over letting the credit collector know I needed to get off the phone and they continued to talk and then a supervisor butted into the conversation. They continued to talk for another 15 minutes badgering me and asking me why I can't make arrangements to pay the debt then and the supervisor states promises don't mean anything and are just words. I politely said, I already explained to you why I can't pay right now and I am hanging up now. I did ask them to call me back on the XXXX to possibly make some sort of arrangement if I could. I couldn't make any arrangements on the XXXX because I still didn't have funds, so I didn't answer the phone in fear that they would keep me on the phone for another 30-40 minutes and ask me the same questions over and over as they did weeks ago. They are not respecting my wishes to only contact me after XXXX and now the same credit collector called my place of employment this morning XX/XX/21 at XXXX. This is becoming intrusive to my life and because this is a personal matter, they should not be calling my place of employment. I will refuse their calls if they can't respect my wishes not to contact me multiple times a day and especially calling my place of employment. I understand the credit collector has a job to do but this is wrong and I will make good on my debt when I am financially able to, calling me multiple times a day is not going to get them paid any faster.
Product: Credit reporting or other personal consumer reports

It is personal statement that the inquiry listed is fraudulent and needs to be deleted within XXXX business days of your receipt of this report. pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Also, pursuant to 15 USC 1681e ( b ) your agency must maintain 100 % accurate records within my credit file. Update my personal information to reflect accurate records only. 

See Attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my Equifax and XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XXXX XXXXXX/XX/2022, I called Transunion since I saw some UNVERIFIABLE account on my personal profile. I discovered that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with this account listed below, so please help me remove this CHARGE OFF, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

I wasnt notified that the car was sold and car was voluntarily repossessed. I reached out to the credit report agencies by letter and no response. It has been over a year.