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

I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX ( Account # XXXX ) on my XXXX credit report. As of XX/XX/year>, this account falsely shows a balance of {$11000.00}. This account was fraudulently opened without my knowledge or consent and was subsequently sold without my authorization. I demand its immediate removal from my credit report and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXX XXXX XXXX account reported on my XXXX credit report, with a fraudulent balance of {$11000.00} as of XX/XX/year>, is not mine. It was fraudulently created and does not represent any legitimate debt or obligation that I have incurred. Furthermore, this account and my private information were sold without my consent, constituting a violation of my privacy rights and consumer protections. 

Violations and Impact The inclusion of this fraudulent account on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). The presence of this account has caused undue harm to my credit profile, including a negative impact on my credit score and potential financial opportunities. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit report. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including fraudulent accounts. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft. 
XXXX. Right to Privacy : The unauthorized sale of my personal information, without my consent, is a breach of my privacy rights.
Product: Debt collection

I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began working with Freedom Debt Relief to consolidate my unsecured debt as I had run into much financial trouble through a series of bad events. I was told when I began with them to stop making any kind of payment to the creditors/accounts I listed with them, to begin depositing money ( a hefty amount at that! ) into a " dedicated account '', and that after 90 days of missed payment they would begin negotiating a reduced balance and interest rate. In more than 5 months they have only negotiated ONE account. I now have several accounts about to be moved as " charge offs ''. I have forwarded all communication with these creditors and asked repeatedly about why it had been more than 5 months and still no settlements, and many about to be charged off. their response each time was that I di not have enough in my dedicated account. I have researched what a charge off does to my credit ( they have never once told me a charge off would stay 7 years, and I have asked what it would do versus paying them monthly starting now ), and each of time Freedom has told me to let it go, and after the charge off they would negotiate. A charge off is too late and stays on my credit report for up to 7 years ( I have asked Freedom several times over the last 2 months about this )! I have one account that has already been charged off, and it was one of the smaller balances which they never tried to negotiate. I could have negotiated with all of my creditors based on the research and discussions I have now had with each of my creditors. All have stated once I agree to an amount and reduced interest rate directly with them, that the accounts would be reported as " being paid '' which is by far better I am finding out than a " charge off ''. Freedom has now put me in a position where I may never get my credit score back for multiple years, by stringing me along and skirting an real answers as to what this means to my credit, until the accounts reach the " charge off '' stage, all while holding my {$630.00} a month plus {$25.00} and some change fees, in their account, but not actually negotiating or paying anything toward my accounts knowing they would/wee not going to negotiate until after all accounts were at this phase, which was NOT how this was explained nor ever said or explained to me thats what they were doing every time I asked and forwarded the information about what each creditor was doing. I came to them for help with getting my debt payment negotiated and paid, they have put me in a much worse position and now holding enough money I could have paid several creditors with.
Product: Credit reporting 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 the 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 that 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX ) XXXX Balance {$120.00}
Product: Credit card

The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.
Product: Credit reporting or other personal consumer reports

A dispute was put on several accounts on Experian and was not taken off or resolved
Product: Checking or savings account

XXXX ) XX/XX/XXXX When I claim was filed immediately after I discovered fraud of check {$30000.00} cashed. WF bank forced to close and open new account. XXXX said everything same just transfer fund. Nothing was explained and nothing was signed and given agreements etc. Only account number on piece of paper. 
A week later I received 2 new credit cards. I was not sure why. 
XX/XX/XXXX over a month later I received new account application with my and my son 's personal information probably from old records of XXXX. 
On top of application I WANT OPEN ACCOUNT in large letter.-No I didn't want. 
full SS #, Birthday, address mother 's maiden name and XXXX Driver 's license and in very small letter says I received and agree to their deposit agreement and arbitration clause everything I agree to them. -Nothing was given and never want to agree. 
Cover sheets says if I don't sign they will assume I agreed. -No, I don't agree this.My account was downgraded to XXXX account from XXXX account. Nobody mentioned. 
Later XXXX and manager told me XXXX XXXX did was claim XXXX office opened and closed account and nothing they can do. 
XXXX ) Credit cards close and open and charged me late fee $ XXXXand interest {$5.00} which they made error and took several calls to get waived. I never needed close and open new one. Very inconvenient to me and my son. I had not activated new one. I just closed my business account because I still never received paper statements over 2.5 yrs. XXXX and manager both mistreat me. XXXX told me she never received my emails which I had requested paper statements and appt to meet.I sent several emails and called for message to call me back. Very sad. 
XXXX XXXX ) After I claim XXXX ) on XX/XX/XXXX bank 's rep and manager both treat me very rude. They both try to avoid me and I had to wait almost 45 min to get service last Friday.
Product: Checking or savings account

Capital One ran promotions to give $XXXX bonus for opening new Money Market Account and fund it for 90 days with a balance of $XXXX.I responded; opened an account - received an email confirming on the promotion code having been applied to the new account.5 months on - now the bonus was not credited - upon inquiring Capital One Bank representative is informing me that I was not eligible for the offer. My questions to the bank:- as per promotion the bank is expected to comply with the bonus offer that was advertised with promo code 'EARN500' - - your email upon opening the account, while acknowledging the promotion code, did not specify any restriction or indication that the bonus would not be applied.- there has never been any communication from the bank about the promotion code not being applicable, therefore I have been led to believe the promotion will be honored.attached is the email sent by Capital One bank upon opening the account and the chat transcript.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suppled an identity theft report, will all the proper documentation required by FTC law in order to block fraudulent accounts. 

I supplied Equifax a copy of a legitimate police report, an official FTC report indicating which accounts were fraud. I supplied a colored and legible copy of my current driver license, social security card, and a current utility bill which had my current and correct address on it. 

I supplied a cover letter which was notarized as well, which states which accounts are fraudulent and should be blocked. 

I have not only listed the fraudulent accounts, but also their account numbers, open dates and balances reporting on the credit reports. 

I have submitted these documents to Equifax 3 different times over the last 3 months. I have submitted the documents via fax and regular mail. 

Equifax has verified they have received such documents. 

I have even UPLOADED these documents straight to EQUIFAX CONSUMER AFFAIRS via a XXXX   upload link they sent direct to my email. " XXXX '' and " XXXX '' from consumer affairs are the ones I spoke with and the ones I have sent these documents to directly. I have a copy of this link and the date in which I uploaded my documents via email from and to Equifax. XXXX said he could not help me after I submitted these documents. He simply shifted the blame on " Another department. '' Equifax has responded 3 different times with various excuses : EQUIFAX : " The items will remain since the creditor verified that all information was reported accurately. '' ME : I asked what this meant EQUIFAX : " The creditor verified that the social, address and name were all correct. '' ME : Obviously the information was correct since the creditor was fooled into opening the accounts in the first place. Identity theft, in fact, is indeed identity theft because the thief, indeed, STOLE MY IDENTITY. 
ME : If the thief stole my identity, wouldn't it make sense that the information was correct? Isn't this why the Federal government came up with a procedure to assist victims of ID theft to block fraudulent accounts? 
Equifax : " Sir, we can place another investigation for you. '' I pleaded with them to NOT place another investigation since it was near certain the results would be the same as the prior ( 3 ) investigations. 

Equifax went ahead and placed the items under investigation again, and now they are explaining that it is impossible to remove them from being under investigation. Equifax says that their system is " not equipped to stop pending investigations. '' My complaints are : 1 ) Equifax refuses to do as I request, rather, they do what they feel like doing at the given time 2 ) Equifax refuses to use all of my paperwork in order to assist me in getting my life back in order, in other words, remove fraudulent items on my credit report.

3 ) Equifax refuses to guide me in the right direction in how to properly block these items of ID Theft 4 ) Equifax only disputes items under standard dispute methods, which does not assist victims of identity theft. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

A plumber did repair work to a leaking pipe. The plumber damaged other pipes during the repair, but did not pay for the damages. I disputed the charge with Discover credit card. The card initially gave credit, then it reverse the credit without any communication to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct incorrect information Loan Mart is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.
Product: Money transfer, virtual currency, or money service

This is so many of the above options I had to just pick the best ones. This is about a savings account with Discover and they abruptly closed my account with no explanation kept {$330.00} for several days then they sent a check which can not be cashed anywhere anywhere in town anywhere with any other bank anywhere with mobile, cant be cashed at XXXX, cant be cashed out a check cashers place. Ive had no money for XXXX days now because of them so they finally agreed after XXXX hours on the phone to wire it and then at the last minute they wont wire me my money they wont give me my {$330.00} and I have no money XXXX XXXX and I need XXXX XXXX. I almost ended up in the hospital last night because of this I couldnt get my medication. Plus, they had me void the check because they were supposed to send out the wire and now they will not send me out The wire This is very urgent!!!!!!!!!
Product: Debt collection

XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this. 
Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion. 
Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}. 
We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case. 

Thank you very much for your help! 

XXXX XXXX
Product: Checking or savings account

Wells Fargo is up to its old tricks of posting debits before credits which is causing overdraft payments of {$35.00}. They had to previously credit my account twice for this practice. I want my money put back into my account. 

If there is a lawsuit considering these practices I want to be involved. I see they are still getting their money by robbing people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from TransUnion, XXXX, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by TransUnion is " Closed, '' while XXXX and XXXX report it as " Paid. '' TransUnion reported a " Charge account '' account type while XXXX and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while TransUnion and XXXX both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.
Product: Debt collection

To Whom It May Concern, I am writing to request validation of an alleged debt that I was recently contacted about. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe before taking further action.

Please provide the following information regarding this debt : 1. The name and address of the original creditor.

2. The account number associated with the debt.

3. The amount of the debt, including a breakdown of principal, interest, fees, or other charges.

4. Proof that you are legally authorized to collect this debt.

5. Copies of any agreements, contracts, or documents that demonstrate I am responsible for this debt.

6. A detailed payment history showing how the amount was calculated.

Until the requested information is provided, I am disputing this debt. Furthermore, I request that all communication regarding this matter be made in writing.

Please consider this letter a formal notification to cease any collection activity until the debt is validated. I look forward to your timely response within the 30-day period required by law. 

Thank you for your cooperation.
Product: Credit card or prepaid card

I received a Visa debit card in the mail from M & T Bank. I d I'd not apply for this card. I called M & T Bank to report that I did not apply for this card. They told me that their fraud department closed the account because the person who applied couldn't prove their identity. Then they advised me to call my banks to put them on alert and then call the XXXX XXXX XXXX to put an alert fraud alert on my information & contact you to freeze my credit & file a complaint.
Product: Credit card

I am writing to address specific issues related to the following open consumer credit accounts : 1. ) XXXX XXXX XXXX, account number : XXXX, reported as 30-59 days late for XX/XX/XXXX. 
XXXX. ) XXXX XXXX XXXX XXXX, account number : XXXX, reported as 60-89 days late for XXXX and XX/XX/XXXX. 

This letter serves as my second formal communication concerning these matters. I wish to outline my grievances and demands regarding the actions of TransUnion and its affiliates in this regard. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., my rights to privacy and accurate credit reporting have been compromised. In particular, 15 U.S.C. 1681b ( Section 604 ) stipulates that a consumer reporting agency is prohibited from disclosing information about my account without my explicit, written consent. Moreover, 15 U.S.C. 1666b of the Fair Credit Billing Act mandates that a creditor can not classify a payment as late if it is made in accordance with the agreed-upon billing cycle and terms. Additionally, 15 U.S.C. 6802 of the XXXX XXXX requires that entities maintain rigorous privacy standards regarding the handling and disclosure of personal information. 

It is clear that these statutory protections have not been adhered to in my case. I request an immediate review and correction of the reported information to reflect accurate and compliant reporting. Please address these issues within the next 30 days to avoid further escalation.
Product: Checking or savings account

I purchased as backpack from XXXX for {$180.00} on XX/XX/year> and I never received the product. So I went directly XXXX to get this fixed and they did a trace for 6 days and were not able to locate and provided me with a full refund In the amount of {$180.00} on XX/XX/year>. I waited required 3 to 7 business days and after not receiving it I contact XXXX who says they issued it the same day of XX/XX/year> to Regions Bank, this contact was made on XX/XX/year>. So that same day of XX/XX/year> I contact Regions Bank and I explain the situation to them, they stated because I had to get a replacement debit card due to it being lost on XX/XX/year> I believe, they choose to reject the refund and that I had to file a dispute in order to recover my funds. So I had to file an unnecessary dispute even though the bank saw I was approved the refund and blocked it anyways. I asked why it wouldnt the bank accept it via my checking account and I was never given an answer from them. So now Im at the mercy of Regions Bank and I have to wait 10 business day from XX/XX/year> if Im gon na be granted a refund that is rightfully mine.
Product: Debt collection

Noticed this collection on my credit report called company said they would look into but nothing creditor is castle credit co holding says date opened XXXX XXXX XXXX is the past due amount
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.