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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open a fraudulent account under my name and social appearing on Equifax. 

XXXX. XXXX Account # XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: Credit reporting, credit repair services, or other personal consumer reports

When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.
Product: Credit card

On XXXX / XXXX / XXXX paid my bill to American Express Credit card from my personnel check ( Check # XXXX for {$4900.00} ) from XXXX XXXX XXXXXXXX. The bill said due date XXXX / XXXX / XXXX. 

Today XXXX / XXXX / XXXX I received a new balance bill. I noticed American Express charged me {$29.00} for late fee from my last bill because they received my payment on XXXX / XXXX / XXXX. 

I called and spoke to Supervisor XXXX ( Case # XXXX ) And requested to remove the late fee because I do not know why my mail get to their Office for 8 days, and I never late on paying my bills. Also, they should consider the date I sent was stamp on XXXX mail. I paid my bill. 

XXXX XXXX told me he can not help because it was American Express XXXX. 

I am asking your Office for help regarding this matter. 
Thank you very much for your help. 

XXXX, XXXX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase sent me an unsolicited credit card for Amazon.com. They sent a separate unsolicited credit card for Amazon.com to my wife.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ) promptly delete 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.

According to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

XX/XX/year> my account was closed for no reason i had XXXX dollars from my social security monthly benefits in my chime credit builder account i am now locked out can't access the account at all i have been calling this company since they closed all my account
Product: Checking or savings account

This complaint is being resubmitted because the cfpb closed a previous complaint without making sure the complaint was resolved. 

My account was recently compromised when XXXX XXXX XXXX XXXX 's bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX trust. In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed. 

I have had to submit additional complaints to USAA because my accounts have not been closed. USAA was originally a bank established for military members. I was an XXXX XXXX service member as well. 

XXXX XXXX XXXX XXXX has multiple email accounts.
Product: Debt collection

I still have never been properly contacted by this company. I have never received a piece of mail as required. They sent any communications to an address I have not used in XXXX  years. To this day I still have not properly been served with requested Debt Validation and Debt Verification as required by law.
Product: Debt collection

Jefferson Capital System a ( debt buyer ) continues to try to contact me regarding a unvalidated debt most recently by email on XX/XX/XXXX XXXX
Product: Debt collection

I have a police report when my wallet was lost and had my social unit, I contacted the company and XXXX XXXX to let both of them know that this that is not mine. They have not done nothing to help me the company, but keep threatening and calling. On a daily basis, after I have told him that there is not mine, they also they dont see the proper things they dont say this is a recorded line and they dont say what companies are calling from
Product: Mortgage

JP Morgan XXXX XXXX foreclosed on my home and I dont even know who they are. I lost my job and my mortgage was taken directly from my check every month since I bought it in XX/XX/year>. My mortgage is public record and has my full account number and social on the front page. Not my ex-husbands social. Only mine. The paperwork is not redacted. I lost my house. I dont have any way of buying a new house or getting an apartment because the terms are different on all platforms that I check my credit on, and my credit report shows XXXX mortgages in XXXX of 2009. Both are incorrect on all XXXX platforms that I have checked. And I only had XXXX mortgage EVER. I want the matter resolved ASAP. I am ready to move. I am ready to have a different life. I am tired of playing this game with Chase/JP MorganXXXX XXXX XXXX XXXX I am sorry that they didnt want me in their subdivision, but they can not simply go take over my loan and kick me out. The amount that XXXX picked up the loan for is the exact same price that I paid for the house. And it was WAY too much for the piece of XXXX I got.
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 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  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text that was impersonating my bank. They stated a fraud charge tried to come through, which I did in fact see the charge on my actual account. They then called me and began reading off my bank charges that I had in fact made and also the fraud charge. They then closed my savings account and my credit account and had me transfer my funds all into my checking to then move it to my new account which in fact was not mine but there account
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus Equifax, XXXX, XXXX to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX
Product: Money transfer, virtual currency, or money service

The company was a scam. PayPal refunded the XXXX incorrect payment but not the other XXXX incorrect payments. I proved that the company was a scam despite the shipping information. The shipping information was provided but no delivery in was provided because there was no delivery and no REAL shipping.
Product: Credit card or prepaid card

l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A  ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I went to Walmart, store # XXXX and wanted to cash a small check which they do, and wanted to add money to my debit card through their bank, which is XXXX bank. They said at the cust. service that all those transactions are down, and are always down, and their company will not upgrade their software!!!!!!!!!!!!!!!!!!!!!! And this is happening ALOT!!!! I had to drive to the actual XXXX bank, ( because this one did not have a XXXX bank in it!! Which it shoud by the way!!! ) And I had to drive over 30 mile round trip to deposit money!!!!!!!!!!!!!!!!! I called their cust service line through their corp office, was supposed to get a call back from a supposed marketing manager a week ago, nothing!!! I want to be given a gift card from them to compensate for all the gas I had to spend to deposit money on my debit card, and to cash a check!!!!!!!!!!!!!! 
They need to be thoroughly investigated by the law NOW!!! THEY HAVE NO EXCUSE FOR NOT UPGRADING THEIR SOFTWARE FOR MONEY TRANSACTIONS, THIS IS A QUOTE FROM ONE OF THEIR EMPLOYEES ACTUALLY!!! THESE RIGHT WING XXXX XXXX XXXX  RIP OFF ARTISTS SHOULD BE FINED TO THE MAX!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Equifax XXXX XXXX  Equifax
Product: Credit card or prepaid card

I applied for autopay as soon as was possible for my XXXX, which wasn't until after the first bill was available ( there were no autopay options before then ). That was three weeks ago and I just received a late payment fine for not paying my bill. Basically, even though I'd set up auto pay, and expected that to pay my bill, XXXX tried to charge me {$25.00}. I was told on the phone it take 2 months for autopay to go through, which seems ridiculous. My credit card also won't work for several days until the payment I just made goes through. 

This seems like they're trying to scam people.
Product: Debt collection

AFC Recovery, LLC sent me a undated letter which I received XX/XX/XXXX. 
The letter stated that they were trying to collect a debt owed to XXXX and that as of XX/XX/XXXX I owed {$350.00} and now owed an additional {$600.00}. 
I have no memory or records of any outstanding debt. 
It is my belief that any debts I owed in this time frame were paid in full and I have received no communications in writing or electronic in the past 10 years indicating otherwise. 
I do remember checking my credit report about 10 years ago to assure myself that any outstanding debts had be settled. 
My current credit report shows no record of any such debt. 
If I ever owed XXXX this money I believe that they either : - did not properly credit payments received - did not bother to inform me of a balance due for over 20 years Additionally this debt was not submitted to any credit reporting agency. 

On XX/XX/XXXX I responded to AFC Recovery, LLC using the form they provided and stated : I wanted to dispute the debut because I think- This is not my debt - Other The statue of limitations on debt in Washington State is six years I have never received any original bill for this debt I wanted AFC Recovery to send me name and address of original creditor This response was sent by USPS Priority mail and received by AFC Recovery on XX/XX/XXXX On XX/XX/XXXX I received another letter from AFC Recovery, LLC dated XX/XX/XXXX stating they were the new owners of this so called debt. 

I do not keep records going back 11 years. I honestly have no idea if this particular debt ever existed but I most definitely have heard nothing about this in 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

We wrote a dispute letter & submitted supporting documents on XX/XX/2019 to Experian XXXX XXXX. There are multiple federal & state tax liens on our credit report that belong to a different business. I submitted copies of all the liens which clearly show a different business name, tax ID & address. 

Experian 's response on XX/XX/2019 said " All tax liens were reported to Experian under the business name and address referenced above and will remain on the credit report as reported ''. I contacted the Oregon Department Revenue & they stated there are no tax liens on our account. They also went on to say Experian misrepresented the facts because the State does NOT report to Experian. Experian mines the public record data & Experian made the error in reporting it on our credit report. 

I've tried to reach the IRS as there are federal liens also but can't get through to anyone for help. We really need help to resolve this issue & Experian is not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Checking or savings account

I opened a new checking account with Capital One, after about a week of having the account open the account was frozen after I made 2 transactions through XXXX ( XX/XX/2024 ). On my capital one app it stated " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I proceeded to call and I answered all their questions, submited an ID for verification, but they said " based on your answers were going to close your account and your funds will transferred to your bank listed on the account or a check will be emailed. '' My balance was close to XXXX so I assumed the account was going to be fully closed in a short amount of time, I tried to get my direct deposit switched back to my original XXXX account as soon as capital one told me that but my next two checks ( {$3200.00} ) were still accepted to the capital one account, without the option to use the money or transfer it. Ive called capital one numerous amount of times and all they can help me with is " I will write on the notes that you called but your funds will be transferred once the investigation is complete '' As of today XX/XX/2024 I still haven't received my funds and have paid hundreds of dollars in late fees and overdraft fees across my XXXX checking credit cards and my rent. I'm 2 months overdue on a Capital One credit card which is effecting my credit.