23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.
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 Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX, has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Netspend- the waiting period of receiving unemployment from Ohio was 7 weeks, at that time was around XXXX a week, well after I got the payment a few weeks later had a new account opened and money transferred to it ( Netspend allaccess ) about {$5000.00} and Ive told netspend numerous of times and made FTC complaint Netspend all access- during that time I had my son and my girlfriend friend with me, so went and stayed at hotels some on the beach and finer hotels near XXXX started to notice numerous of room charges at the same time, well when I asked the hotels, XXXX, XXXX, they said they didnt have anything in the computer for it, well it was out of bank and usually ended up with hotel and me getting heated, so I just let the bank handled it, XXXX- I have numerous of people paid on accounts that were closed down or didnt show me payments t XXXX XXXX have had cards closed down new ones sent without my permission, money gone, its I cant win for loosing XXXX XXXX- honestly have gave up if its small payments I just think in my head well there leaving me something XXXX XXXX- loose emails, payments for thjngs like XXXX XXXX other apps that I dont find out for months later that I have honestly never used So now I just follow the money and see if I cant catch someone, local cops havent helped, fbi, ice3, FTC, I know what it looks like but I loose access to my emails, regain them than loose again, I feel like I really dont talk to my phone company, my bill went from XXXX to averaging about XXXX. 
Im about at my Witts end, I just honestly see no end
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX credit services Account # XXXX, XXXXXXXX XXXX Account # XXXX and also any other XXXX XXXX  collection accounts 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 instructions
Product: Debt collection

I reached out to XXXX XXXX on XX/XX/year> havent yet responded in a timely matter.The credit company isnt complying to their own policies.
Product: Debt collection

I have a debt listed on my credit reports that I have no knowledge of. The collection agency is unknown and the original debtor is pretty vague. It does not give any details to what type of account nor does it specify any remarks. This debt is not mines.
Product: Student loan

Student Loan Debt was covered by Financial Asset Management Systems , Inc. ( FAMS ) from XX/XX/XXXX through XX/XX/XXXX. 
Acct Representative XXXX XXXX Date of Authorization XX/XX/XXXX Manager XXXX XXXX If insufficient Funds Contact at least 2 days prior Phone Number XXXX Ext XXXX Hours of Operation XXXX XXXX ( est ) **Told payments would be 80 % to Principal and 20 % to Interest Late Fees I reached out to Debt company covering my Federal Student Loan  and received the following response ( included in attachments ) : XXXX XXXX XXXX Fri   XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Re : United States Department of Education Dear XXXX XXXX : This is in response to your recent email to Financial Asset Management Systems, Inc. ( FAMS ) .

Upon review of our records, your account has been returned back to the U.S Department of Education. 
If you have any questions regarding your account, please contact the U.S Department of Education at XXXX. 
Calls to and from FAMS may be monitored and/or recorded. Financial Asset Management Systems is a debt collection agency. This is an attempt to collect a debt, by a debt collector, and any information obtained will be used for that purpose. 
Kind Regards, Financial Asset Management Systems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX Voicemail 24 Hours -- NEW LOAN Collector per MYEDDEBT.ed.gov was assigned to XXXX XXXX XXXX.I had been advised that my Debt was at {$33000.00} for principal even with paying past 6 years monthly installments at 80 % against principal and 20 % interest. Attached excel and PDF document ( from Federal Student Aid office ) shows I paid {$17000.00} USD from XXXX. All payments were applied to interest and fees ( nothing applied to Principal balance ). Principal balance did not start getting applied by my payments until my Federal Income Check was seized by government and only 30 %  of the payment of {$4900.00} was applied to the principal balance and remainder was applied to interest. I have been making $ XXXX  monthly payments since XX/XX/XXXX, and principal balance is only receiving 30 % verses remaining of payment going to interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.
Product: Vehicle loan or lease

I contacted the loan company in order to set up auto bill pay, and the representative I spoke with assured me that the auto bill pay was set up. I did this know that I was going to be XXXX for 6 months, and made sure I deposited all the needed funds to my bank account during my time XXXX XXXX. Upon XXXX I found that my vehicle had been repossessed as payments were not made. I do not understand how this even happened. I have attempted to contact the company several times with not resolution. I have experienced extreme pain and suffering as a result due to an error made by the company 's representative. I have attempted to dispute this off of my credit to prevent further pain and suffering, and the company has refused to even remove this item from my credit report. I feel this is extremely unprofessional as I did not make the mistake the representative who was supposed to have set up the auto bill pay did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request to Correct Address and Name Information Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I received email alerts the morning of XX/XX/22 from Target that an account and a XXXX XXXX Credit Card had been opened in my name, also charging a {$200.00} gift card to the account. 

I reported the fraud alert to Target and requested to close the credit card opened in my name, however they had old addresses, email information, birth date, and social security information that led me to believe they had stolen my identity.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my credit profiles. I have REPEATEDLY attempted to report these accounts as not mine, however they are not being removed. I have disputed many times including through credit bureaus and third party agencies.
Product: Checking or savings account

The following letter was sent to USAA Customer Service and Executive Offices. I have contacted many employees with USAA and still await their action since the beginning of XXXX. 

Message sent to USAA : Good evening, I have been a USAA member since I turned XXXX XXXX XXXX. I have had so many issues with my card and account randomly freezing for the last several years, and until recently my husband and I just shared one card. I'm not sure why it's been so difficult to bank with USAA recently. 

On XX/XX/24, XXXX XXXX attempted to withdraw {$43.00} from my USAA checking account. They received an error message saying the account was frozen and the transaction was declined. 

I immediately called USAA and was told that there was an unknown log-in attempt, so a hold was put on my account. The agent advised that the account block was for my security but should not have occurred. He unblocked my account. I then went to XXXX  and they said I need a letter from the bank advising of the glitch. I currently owe SEVERAL additional fees and there are several issues with my account with XXXX XXXX because of you freezing my account in error. 

I simply need a letter for XXXX XXXX with the following information : Your first and last name The last XXXX digits of your bank account number The last XXXX digits of your routing number An explanation of this glitch and recognition of this action being done so on the bank 's side ( relating to the error code was 'Account Frozen '. ) We are strongly considering leaving USAA. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

On Zelle I wasn't warned and didn't understand about transferring cash and the loss of my cash by using the wrong information accidentally
Product: Credit reporting

Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items where listed inside of a bankruptcy thats shouldnt still be coming up .on my credit report .Its against the law for these things to show up on my credit
Product: Checking or savings account

I went to the Bank of America branch in XXXX, New Jersey this morning for a {$100.00} certified check and was blithely told that I would have to pay a service fee of {$15.00}. I objected. The teller did nothing. A bank employee came over. I told him. He went to see the branch manager. He returned. He deleted the {$15.00} charge. I objected as I wanted to pay {$10.00}! He said no, the computer permits either full payment of the charge or no payment of the charge.

I told both the teller and this other employee that it was unconscionable and immoral to charge such a fee and when the Federal minimum wage is {$7.00} per hour. That went over their heads! 

I pointed out that the CEO of the Bank of America has a financial compensation package in the many millions of dollars! That too went over their heads!
Product: Checking or savings account

I checked my account today and noticed that there was an encoding error of {$5000.00} on a check that was processed through my wells Fargo account. The check cleared on XX/XX/XXXX and I noticed the mistake on XX/XX/XXXX. Once I noticed the mistake I contacted Wells Fargo who I have had an account with for over 20 years and never have had any issues with my account. I was told that a claim had to be conducted and that it would take 10 business days to resolve. I had them pull up the check and read the amount written out on the check. The lady read the amount and told me that it had to go through the claims process. I asked if I could get provisional credit since obviously the check cleared for the incorrect amount. She told me no because per their policy they can not give me credit until the claim is processed. So for now I am out XXXX for 10 days until they process the check adjustment not including the 3 days that I didn't notice the error. I asked the lady what happens if I need that money to pay bills and I don't have the money she told me we will reimburse you the overdraft fees. I have worked in banking over 20 years, when a customer calls about a check adjustment we pull the check and can process the adjustment immediately while giving the client provisional credit until we receive the funds from the other bank. If my account is earning interest I am out 13 days of interest because wells Fargo can not process the claim sooner.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fall credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number 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 instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at
Product: Checking or savings account

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account after I had put everything in place due to identity theft to prevent this- specifically accounts were deactivated and disabled. 86 unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. Total Amount Owed {$8800.00} -- -- 86 Fraudulent Transactions. 
As Follows : XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$49.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX -- - {$10.00} -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$57.00} XXXX XXXX Purchase authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$12.00} -- Purchase authorized on XX/XX/XXXX XXXX {$30.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$11.00} -- -Purchase authorized on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX. {$110.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXXXXXX {$220.00}