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, MO XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00}, XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$150.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$400.00} XXXX 


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

Transunion has not removed the fraudulent account XXXX XXXX # XXXX I have no knowledge of this account and I asked Transunion to verify the original address we're this debt started from and send me signature forms from when this account was first opened... I have not received this and this account has been deleted from all other credit bureau as they have done their job!! Transunion is not following the laws and they are breaking the rules!! I demand that this item get off my report!!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I tried to purchase a motorcycle listed on XXXX and still is. My deal was accepted by " XXXX XXXX '' ( XXXX ) We agreed to use XXXX. This site was fraudulent, and comes-and-goes from the web. I was instructed to wire the funds to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX in to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When it became apparent that I was robbed, I notified TD Bank, which waited 3 days before I discovered they did not know how to properly recall my wire. Later spoke with XXXX I notified XXXX, and received little help from " XXXX XXXX XXXX XXXX in reference to my complaint, XXXX XXXX XXXX. I also advised them verbally about the circumstances, and that their complacence was akin to them being o.k. with helping " XXXX XXXX '' launder money through their bank. To test my theory, my friend XXXX XXXX also initiated a " purchase '' from XXXX XXXX From the same posting, and " XXXX '' initiated the same process with him and using XXXX, and wiring money for payment, and furnished a different XXXX XXXX XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX. I advised XXXX of the additional developments, and they did not respond. I want my {$5400.00} returned to my TD Bank account. I want TD bank questioned for being slow to react. I want XXXX XXXX be held responsible for continuing to accept funds for transactions that they have been made aware are fraudulent. I would like " XXXX XXXX '' and all associated persons and entities prosecuted. 

I have received a letter from The Federal Reserve Bank XXXX XXXX XXXX ( attached ) without any resolution or restitution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of XXXX XXXX XXXX XXXX first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called national fitness center to settle my debt and they said they'd get back to me and they never did. I will not be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following account be removed from my credit report : XXXX  , XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I received a notice from XXXX letting me know my score dropped because Prestige Financial removed a remark. Prestige Financial is the company that holds my auto loan. The remark was Bankruptcy XXXX XXXX I have not filed a XXXX XXXX bankruptcy and that false reporting damaged my credit. I believe it was done intentionally and unfairly.
Product: Credit card or prepaid card

I had a Bank of America prepaid card where my unemployment benefits were deposited. On XX/XX/2021 my account was hacked and I lost {$3000.00} dollars. I spoke with Bank of America on several occasions and did not receive a solution. On XX/XX/2021 I was informed the money fraudulently withdrawn from my account will not be reimbursed by Bank of America. I want to know if there is anything else I can do to dispute this decision.
Product: Debt collection

I filed a complaint with the CFPB regarding a judgment on a second mortgage that I have apparently been sued for. The debt is not valid, as I have stated before, I did a cash for keys deal with the first mortgage and I made sure that the deal included the second mortgage. I was told by all parties involved that it the second mortgage has been paid off. That was the last I had heard of it. 

Now, nearly ten years later, I am being garnished for an {$80000.00} judgment ( when the original amount of the second mortgage was only XXXX. I tried to look up the original judgment and I see that the process server didn't serve me. They put down that it was a roommate that took my summons, I have never had a roommate. I also see that several attornies have attempted to garnish me at jobs I have never worked at. So how would I have had the chance to defend myself? 

I went through the CFPB and requested a proper validation of the debt, and the original creditor stated they didn't have me in the system. The law firm that has been assigned sent me a demand letter and judgment that has amounts crossed out. 
THIS IS NOT A PROPER VALIDATION, and no one has provided me any documentation other than the judgment. But they keep taking money out of my account.
Product: Checking or savings account

I made a payment to my Goldman Sachs Credit Card from my Goldman Sachs savings account. The savings account showed sufficient funds to make the payment and the credit card indicated that the funds were received and paid in advance of the monthly deadline. 
After making the payment, the credit card showed that {$0.00} was owed and required payments were made. Later, they said this was an incorrect reporting of their own systems to the customer. 
Days later, Goldman Sachs disputed what their systems showed when the transactions took place. 
As a result, I was charged an interest fee that I should not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main point is that XXXX XXXX XXXX in XXXX, MI have a freeze on my ACH transfers, credit reporting issues and check writing privileges. The VIP section of the casino will not authorize any of my winnings nor at other casinos. Under the fair XXXX the report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquiries are unauthorized & have not been validated, can u please remove asap to prevent me from mortgage approval
Product: Credit reporting or other personal consumer reports

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

Equifax has not validated the dispute legally completely. I have submitted numerous letters asking for validation and or supporting documentation/signed signature indicating the owner of this account. Equifax has neglect to submit proper validations besides the wording valid. I spoke to an supervisor by the name of XXXX id # XXXX who advise equitable has submitted a response of XX/XX/2018 that it is mines. I ask her what information was verified to confirm validation. She said they just said it is my account and Equifax do not have to validate or support with any documentation even with a letter indicating request. I attempt to ask what information was verified she stated she is unaware and Equifax do not have to provide any information to consumer even though I answered all the security questions. Requesting to remove as Equifax has not yet validated this fraudulent account per my written request with statutes attached. Please see that confirm XXXX only removed the remark of the re-investigation that has been placed on my account since 2018. Also XXXX report shows the account was under re investigation but was never fully investigated by law completed. XXXX who the account was sold to could not validate this account with any supporting documents as well.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, Certegy Check Services , Inc declined XXXX XXXX Cashier 's Check Number XXXX dated XXXX XX/XX/2023 at the Customer Service desk at the XXXX on XXXX XXXX XXXX XXXX in XXXX, WA. This is the first instance whereby any check cashing place declined and refused to cash a certified XXXX XXXX cashier 's check. Said issue raises red flags for a number of reasons. First, Certegy Check Services , Inc questions the integrity and solvency of XXXX XXXX Bank, which concerns me in light of recent bank failures. Second, Certegy Check Services , Inc refused to cash a certified XXXX XXXX check issued to a XXXX American woman. Certegy Check Services , Inc alerted all check cashing places not to cash any checks with my credentials. In essence, Certegy Check Services blacklisted me from cashing checks nationwide with zero reason.
Product: Mortgage

I would like Third Federal Saving and Loan to respond this question ONLY I am a woman ( NOT AN ENTITY ) who participated in a CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Product: Credit card

I am writing to formally dispute several charges on my Citi card statement dated XX/XX/year>. The charges in question are as follows : Insufficient fund charge : {$30.00} Late payment charge : {$30.00} Interest charge : {$1.00} I contacted Citi card customer service at XXXX ( XXXX ) XXXX to address these charges but did not receive a response. Therefore, I am requesting that these charges be reversed. Additionally, I would like to close my account, which ends in XXXX. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX  ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX  ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have no lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.

Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...

Improper contact or sharing of info. ...

Excessive phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX CRED XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
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 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. 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: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst Experian and XXXX which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my XXXX Report/FTC identity theft report ( XXXX  REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX report, hoping that you make a better decision in my situation, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX  account # XXXX ; XXXX/XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt