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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i got a loan from lending club in the amount of XXXX loan # XXXX. loan term was for 36 months, interest rate of 17.47 %. I paid on this loan for a year making payments of XXXX. On XX/XX/XXXX i decided to try and pay off the loan early, at that time the balance was {$5500.00}. I decided to send in a large payment of {$3200.00}. When i sent Lending Club {$3200.00} the loan was overpaid and therefore scheduled to be paid off early. NO payments should have been due until XX/XX/XXXX. The problem is that Lending Club kept on trying to withdraw via electronically the monthly payment of XXXX from my bank account monthly anyways. The Original loan documents stated that There would be no penalty for paying loan off early and then refinancing that loan. etc. ( confusing advertising, credit denied, Problem with the payoff process at the end of the loan, or refinancing loan ) -- Telephone agents told me that once i got my loan balance down to XXXX i would be allowed to reloan. XX/XX/XXXX of XXXX I made a {$3200.00} which reduced the loan balance from XXXX to XXXX, XXXX. After i made the payment agent told me to go online to reapply but each time i applied the loan was denied and this happened twice. ( XXXX ) .. XX/XX/XXXX Lending club contacted me to sit up payments for the remaining XXXX. They offered to restructure the loan if i agreed to pay XXXX mo. for 18 months, they said that even though the loan would be paid in full at the end of the 18 mo lending club would not remove the charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Afni , Inc. has been attempting to take actions against me in the amount of {$2000.00}. It is showing on my credit report that the account was opened XX/XX/22. 

The original account was opened with my card by someone else, against my consent, and they signed their signature to open up multiple lines with sprint, but used my debit card to pay at the time of opening the account. 

I tried to inform the original creditor, XXXX, of this and they refused to close the account, even after the same person who opened the accounts without my consent, stole the phones and hijacked the account. XXXX would not allow me to close the account or remove any of the phones from the line. 

I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I also asked for proof of the original contract and the name listed, as it was signed by someone else and I have not been provided with competent evidence that I have any legal obligation to pay Afni , Inc .
Product: Credit card or prepaid card

Summary of Me vs. CHASE re fraudulent credit card charges On Tuesday XX/XX/XXXX CHASE contacted me about an {$890.00} XXXX XXXX charge that they declined as fraudulent. ( On their ( Amazon ) XXXX XXXX XXXX ) When I verified that it was fraudulent, they advised me to check other charges on my account, and they issued a new card XXXX I found and reported 12 additional charges dated from XX/XX/XXXX to XXXX, XXXX of them placed in XXXX, XXXX  - about XXXX miles from my home in XXXX, XXXX. 

In answer to their phone rep, I could only honestly tell them that the card was still in my wallet, not lost or stolen. Ive been a CHASE customer for decades, one would think telling the truth would help them learn how theyd been fleeced. 

A few weeks later they informed me that their position is that I benefited from the purchases, and they reimposed the charges to the new account. Apparently since I did not lie, and say the card was lost/stolen, they maintain that the actual card was used, and so it must have been me. 

I sent them a detailed day-to-day summary of my home/local activities compared to the times and locations of the fraudulent charges. ( attached ) ( The XXXX  mtgs that make up much of my listed activities are either congregation meetings that I conduct as an XXXX XXXX  of XXXX XXXX, or sessions during which we work together making phone calls to encourage our neighbors to learn more about the XXXX. ) I know the schedule doesnt make it impossible for me to have carried out ALL the fraudulent charges, but combined w the fact that I am a XXXX XXXX  ( of XXXX years ) with no criminal record and decades of now XXXXcredit-score reliability, I dont know how any reasonable person could conclude that I have suddenly commenced a new way of life as a thief and liar. 
If they contend a card was used, I have to think that - if there can be TWO cards, mine and my wifes, then there can be a third, or more. I even sent CHASE my photo in case they had access to security video of any of the transactions. 

I have informed CHASE that I want to see the results, the proof, of their thorough investigation. So far nothing has been forthcoming. 

Thank you for considering this matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself, and there is no third party involved. 

I, XXXX XXXX, a consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX who is issued through Synchrony Bank XXXX I was notified of this denial of my rights specifically XXXX XXXX XXXX Truth in Lending Act via mail by XXXX XXXX XXXX According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX adverse action denying me my rights, of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to {$5000.00}. Since the letter XXXX XXXX sent me is both proof and evidence that I was discriminated against, they are now civilly liable to pay me for damages. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an authorized use since I have received NO BENEFIT.
Product: Credit reporting or other personal consumer reports

After viewing my credit report I noticed unauthorized inquiries on XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX neither of which I have attempted to have or currently have an account with. These inquiries are violations of my privacy and a clear violation of my rights. As a result of these hard inquiries my credit score has significantly been affected and have hindered me from obtaining proper credit.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX : opened XXXX XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX : Fraudulent Charges {$2900.00}
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX  XXXX Balanced {$2700.00} XXXX XXXX Balanced {$3100.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} Public Information XXXX XXXX Bankruptcy US BKPT CT GA XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX has been removed from my credit report with equifax and XXXX but equifax has not deleted this file I will now have to file legal action as this is a violation of my rights and this is holding my credit back. I stated that this account was not mines and the refused to remove it even when i provided ftc and police reports they didnt move it. So now i will file legal action
Product: Debt collection

Capital One is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have Capital One Investigated. By law Capital One and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Money transfer, virtual currency, or money service

Cash app ( square inc ) has money of mine that they refuse to give me access to. I got a new phone and number and was unable to access my account because I couldnt get the text message cash app sends when trying to login. I contacted cash app and was told to set up a new account theyd go from there with verifying my identity. I did that. With this new account I had to enter the last 4 of my social security number, date of birth and zip code. This is the exact same info I had to enter when I created the previous account. Cash app asks for none of that info when verifying my identify. Then they come back and say they can not give me access to my account, the decision will not be reversed and they will not give me any further information. I went as far as to call XXXX XXXX XXXX to have them reactivated the old number just so I could log into the cash app account. With the first attempt cash app logged me in but requested I add a debit card. I tried. It errored 3 times until finally it said I had tried adding the card too many times. When I went back to login with the phone number cash app prompted me to open up yet another account with the telephone number from my old account. They dissociated my phone number from the account Cash app is now holding on to my money and refuses to take any further steps to resolve this issue the account is tied to my social. I can even verify the last few transactions. Cash app can not Just decide theyre going to keep app users money and not offer any type of way to get it. I want my money. After reading experiences from others, cash app ( square , inc ) does this to lots of users.
Product: Bank account or service

I recently called Citizens bank to cancel and dispute charges on my new account of {$280.00} something. I just got back from outta the country, because my dad recently passed away and I get home to find out that my roommate stole and opened my mail and proceeded to use my debit card that I just got in the mail. He still has the debit and I tried canceling it but the customer service rep was so nasty to me, and did n't help me in anyway. Just said there is nothing I can do for you! I said let me speak to a supervisor, and they hung up on me!! Upsetting and rude!! I recently kicked my roommate out, and it got ugly, but you do n't steal from people helping you! I am so disappointed with the way Citizens Bank treated and handled my claim!! I just came right to here to file my complaint and get resolve on my matter of stolen money! I do n't want to speak to another nasty customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

I had health insurance through a company called XXXX XXXX in XXXX. The company went bankrupt and the state took over reimbursements. I have sent Transworld Systems a letter from the Department of Financial Services and they STILL keep sending me letters. 

The Bill was from XXXX XXXX XXXX for lab work in the amount of {$33000.00}. 

The date was XX/XX/15
Product: Credit card or prepaid card

Saks Credit Card thru Capital One, continues to abuse the account through incorrect fees and poor customer service. 
Refusal to allow settlement on account that was offered by company, continuing to play games and make account accrue additional interest and fees, due to poor account handling. 
Account is being handled in a bias and discriminatory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in XX/XX/2020 and reported the change to the Social Security Administration. I have also changed my name with my bank but have experienced numerous difficulties in changing my name with financial institutions, in part due to Experian 's refusal to update my credit file with my legal name. 

Most recently, I sent Experian a letter requesting that my file be updated and including copies of my driver 's license, insurance statements, Social Security card, and the court order of my name change. I received a form letter denial claiming that I had not sent them all the required information when I had, in fact, sent them everything listed in the letter. 

Experian 's behavior is grossly irresponsible and is directly causing me financial hardship, as I now appear to have no credit history and can not get approval for anything.
Product: Payday loan, title loan, or personal loan

I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX   and it's subsidaries did not cooerce me into signing false documents and making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : XXXX Credit XXXX XXXX XXXX XXXX XXXX Factual Data XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit  XX/XX/XXXX, XXXX TO XXXX XXXX XXXX ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Student loan

Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.
Product: Credit card or prepaid card

Chase Bank has mishandled and ignored evidence related to a fraud investigation related to a fraudulent charge under my name on XX/XX/2021. 

I provided proof that this was a case of identity theft. The purchaser of the ticket WENT ON on the flight from XXXX to XXXX. Chase has ignored this point and did not address it at all when I provided evidence I could not have been on that flight since I was in XXXX  for the entire duration of that day. 

Chase alleges that since the booking occurred with my address and phone number that I made the purchase and completely ignored the fact that the person went on the flight when I could not. Whoever has the means to steal my credit card information would easily have knowledge of my name, address and email ( e.g., any purchase anybody makes online needs to provide all of this information ). 


Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to on-flight Wifi purchases. Chase was able to cancel the wifi purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. 

When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. According to XXXX XXXX, the person who went on the flight had my exact name.
Product: Debt collection

Radius Global Solution added a collection account to my credit report for {$740.00} on XX/XX/XXXX. They updated the account on XX/XX/XXXX. I have not been contacted in anyway about this debt and I do not believe this debt is valid. There is no information on my report about this debt other that the original creditor and the agency that bought the debt. It does not have any information that would tie the debt to my name.
Product: Credit reporting or other personal consumer reports

Arvest Mortgage is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to Arvest Mortgage and it was supposed to have been fixed but still it is not fixed.