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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : XXXX. The following account is NOT MINE : XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXX XXXX, account # XXXX, Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. XXXX XXXX, Date opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. XXXX. XXXX XXXX XXXX, Date opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Please also update the address on my consumer reports and name. My ONLY ADDRESS AND NAME that should be showing on my reports is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my only name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 i tried to open a bank account with bank of america online which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of bank of america. When trying to open other bank accounts i kept being denied. I got a copy of my XXXX  report which says i have a account closed for fraudulent activty. I contact Bank of america several times with no reason why the account shows closed for fraud. i have contacted and disputed with XXXX  to no avail.Bank of america cant tell me anything and niether can XXXX  mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.
Product: Money transfer, virtual currency, or money service

I made a money transfer from my Money Network XXXX XXXX to our XXXX  XXXX XXXX account on XX/XX/XXXX. The money has not shown up in my account. XXXX XXXX XXXX has told me there have been no attempts to deposit any money into my account. I have filed complaints that the money has not shown up and each time I have received a form letter that states they have completed their investigation and no errors were made. XXXX XXXX XXXX has told me NO ONE has contacted them about the transfer. I have no information from them about where the money went, but it is clear, it DID NOT go to me. It is MY money and I intend to take every measure available to me to make sure I get My money.
Product: Credit reporting or other personal consumer reports

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

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

I discovered that the same account on my credit report was misleading. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$20000.00}
Product: Debt collection

This is my SECOND complaint about Wells Fargo and I filed a complaint with my states Attorney General. Wells Fargo is still committing fraud and identity theft against me. I filed a CFPB complaint reporting the violations they made against me with proof for all. I filed an FTC identity theft report. I sent an Affidavit of Truth via certified mail XX/XX/2021. I also attached proof they received it ( XX/XX/2021 ). Under the Laws of Commerce, an un-rebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. They responded to my last CFPB complaint with documents stating they did a " reasonable '' investigation. This is not a proper rebuttal to an Affidavit of Truth. Plus, they must rebut ALL violations with proof of ALL and via ANOTHER Affidavit of Truth. They failed to do so. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. 

One of the " rebuttals '' on their " reasonable investigation '' was that I paid multiple payments on the card. This was a violation I provided in my Affidavit of Truth. This shows me they didn't even read it. They committed to their own crime and are seeing if I'm paying attention. I AM. They sent me XXXX statements for 2021 showing that the payments I made which is unlawful pursuant to 15 USC 1692h ( which, again, was a violation I provided in my Affidavit of Truth ). 

Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts in the past. This is a violation of 15 USC 1602p. 

I now have more late fees accumulating on the account and it has decreased my XXXX XXXX drastically, not allowing me to obtain more credit. 

This is completely unlawful and abusive. I have done all steps needed via the federal law and Wells Fargo is still breaking FEDERAL laws pursuant to the FDCPA and violating me as a federally protected consumer under 15 USC Chapter 41. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.
Product: Vehicle loan or lease

A charge off is a Certificate of indebtedness which means it is income it must be removed from my credit report. Mas Financial is in violation of privacy act 1974, I didnt give Mas Financial Consent to report my personal information I also dont remember doing any business with this company, do to Mas Financial violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sold a working rare XXXX XXXX XXXX XXXX game on XXXX to the scammer XXXX XXXX WITH PAYPAL for the amount of {$200.00} he got the package on XX/XX/2021 and said nothing until XX/XX/2021 that is 24 days later. He then made the false claim that I sent him a broken disc and he was 100 % sure that the disc was broken because of the scratches on the disc. On the listing page I disclosed that the disc had scratches. I then told XXXX that the XXXX XXXX  is almost 30 years old and the drives are failing left and right and provided him links of other people having issues to show this fact. XXXX still insisted that I sent him a broken disc. I then asked XXXX to put the disc in his cd drive to verify that the disc was broken and not his XXXX. XXXX then said the following if I tried what you recommended but unfortunately I can't try that because I am an XXXX  user and my current device does not incorporate a CD/DVD drive. He then declined my partial refund offer and made a case with XXXX on XX/XX/2021 Where XXXX then sided with his false claim that the disc was sent broken. They XXXX  then forced me to accept the return by providing XXXX with a return label with out my approval. Then on Monday XX/XX/2021 the disc arrived at my house and I filmed me oping the package up and putting the cd into my disc drive and using software to analyze the disc to see if XXXX was telling the truth or not The software was able to show 0 read errors and was able to dump the disc. THIS MEANS THAT XXXX XXXX LIED TO ME AND XXXX TO GET A REFUND WHEN MY POLICY IS NOT TO ACCEPT REFUNDS AND FALSELY CLAIMED THAT THE DISC WAS BROKEN WHEN IT WAS NOT!. PAYPAL AND XXXX THEN SIDED WITH XXXX AND STOLE {$190.00} FOR RETURN FRAUD. I THEN CONTACTED BOOTH XXXX AND PAYPAL AND TOLD THEM THAT I HAVE BEEN SCAMMED AND I WANT MY {$190.00} BACK THEY STILL SIDED WITH XXXX THE SCAMMER DESPITE ME HAVING EVIDENCE THAT THEY NEVER ASKED FOR AND GOT. IN FACT THEY LIED TO ME AND SAID I WOULD GET AN EMAIL TO PROVIDE THE EVIDENCE TO PROVE THAT THIS IS RETURN FRAUD. I THEN GOT AN EMAIL FROM XXXX DATED XX/XX/2021 SAYING THAT I LOST THE CASE AND XXXX WILL GET THE STOLEN MONEY AND THAT MY APPEAL WAS REJECTED DESPITE ME NOT BEING ABLE TO GIVE XXXX OR PAYPAL EVIDENCE. THIS CASE WAS REPORTED TO THE FBI THE CONNECTICUT ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION FOR FRAUD.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX with a balance of {$34000.00}, XXXX XXXX XXXX with a balance of {$16000.00}, XXXX XXXX XXXX ( inquiry )XXXX XXXX XXXX ( Inquiry ), XXXX XXXX XXXX XXXX XXXX ), and XXXX  ( inquiry ). 
These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the credit breach with Equifax I have been unable to access my account online. I've made countless attempts by phone only to get automated questions, disconnected calls, transfers, etc. Representatives say their website is in maintenance and to call back after 2 hrs. Password resets don't work. They are not willing to mail my report. 
This company is in serious trouble. I only get emails inviting me for free credit scores and free credit report. When I click the link and answer all the questions the password won't work. They send a reset password to my email address only to have the same problem again. This has been going on for two years!
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Doctor submitted wrong Code to Medical Insurance. His code stated Cosmetic, so the Insurance denied the claim. 

This was removed from Collections before. This is a second attempt to collect funds not due. I refuse to pay {$190.00} for wrong Code when the Doctor can resubmit under proper code and I will owe less than {$8.00}. I feel this is Fraud. 

This provider is attempting to collect money he is not entitled to. 

Samples were removed by the XXXX Doctor XX/XX/XXXX. This bill is from XX/XX/XXXX, not XX/XX/XXXX. XXXX Doctor and Hospital have been paid in full.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. XXXX and Experian still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for purpose.
Product: Checking or savings account

Let me explain how Chase bank de-frauded me out of money and ruined my closing of a home. I closed on my home in NY on XXXX. After the closing, I deposited the checks which all but 1 were cashier 's or certified. We were promised our money would be available XX/XX/12 for the majority of the money but 1 check would need to be held until the XXXX. Our closing in NC was the XXXX so when I went to Chase to have the funds wired for our closing I was informed by the branch employee that there was a restriction on the account until ALL of the checks had cleared. 
That was NOT what we were told at the time of the deposit. That was NOT what we were told repeatedly on the phone and in person. Chase wouldn't even write a letter for the sellers showing that it was not us who prevented the sale of the house. There is no reason all checks need to be held up if you cleared all but 1. Typical shady company
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

During the pandemic i started a XXXX XXXX XXXXXXXX XXXX at XXXXXXXX XXXX in XXXX. I paid in full for the program. I noticed i was getting monthly charges on my bank acct and I reached out to the gym XXXX XXXX on email. That if he could process a refund as I had paid in full and did not buy a month to month membership. They did not responde to my email but they did refund me. This happened on XXXX occasions. I thought that was that, never got charged again. Then years later i get a call saying i owe months worth of gym fees to which I said i never purchased a membership. i paid once for a XXXX XXXX XXXX and that was it. I never heard from them again i thought it was cleared up. Also, The gym is no longer in business and i was sent to collection over money I never owed in the first place.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 card

I am filing this complaint regarding Synchrony Banks handling of my Amazon Store Card account. Specifically, I believe they failed to comply with the Credit CARD Act of XXXX, which requires creditors to provide a separate written notice at least 45 days before implementing changes to my XXXX. 

Summary of Issue : 1. My XXXX was increased to 29.99 %, and I was only notified of this looking at my next autopay when I contacted during a live chat with Synchrony Bank customer service on XXXX. 
2. I requested details about when and how I was notified of this increase. Initially, the agent claimed that changes in terms occurred in XXXX and that I was sent an email on XX/XX/XXXX. However : I have no record of this email or any separate notification regarding the rate increase. 
Synchrony Bank was unable to provide a tracker or proof that the email was sent. Instead, they offered to resend the terms, which does not address the issue of advance notice. And then abruptly ended the chat. 
It was suggested that a transcript of the chat would be retrievable for my records, but I had to copy and paste it myself during the conversation. This raises concerns about the banks transparency and compliance. 
3. Under perjury of law, nothing about my account was altered or the messages provided to the CFPB, and no notification was provided through proper channels. Additionally, the Credit CARD Act of XXXX explicitly requires a separate written document clearly outlining the changes, which can not be buried in monthly statements. I did not receive such a document. 

Requested Resolution : 1. Provide proof of compliance with federal law, including the date, method, and content of the notification sent regarding the XXXX increase. 
2. If Synchrony Bank can not prove compliance, I request that the XXXX increase be reversed and that any associated charges or impacts be refunded or resolved. 

Supporting Evidence : Attached is a transcript of my interaction with Synchrony Banks live chat representatives. It clearly demonstrates their inability to provide sufficient evidence of notification and highlights contradictions in their statements about how and when I was notified. 

Thank you for your attention to this matter. 

Best regards, [ Your Full Name ] [ Your Contact Information ]