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

XXXX 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 FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : 06 PROGRESSIVE ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  - XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXXXX/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
Product: Payday loan, title loan, or personal loan

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My separated wife took out a personal loan using my social, I never signed for nor spoke with any agent for this loan, never applied for this loan and never authorized this loan. Now they have blocked both myself and according to her, she is blocked as well. I need the loan disclosures to prove that this is in fact true and they have blocked anyone that can have access to this ; effectively stopping me from my ability to access my own information. Talk about lack of accountability and out right cover up!
Product: Credit card

Can XXXXXXXX XXXX  XXXX Legally Launch Nuclear Missiles at Planets and Put The Corona Virus in the XXXX XXXX Because XXXX XXXX XXXX XXXX XXXX XXXXs XXXX all my money and XXXX Bank lawyers say its imposable to comprehend Chase Bank 5 times this Week Lock XXXX out of online banking so all credit XXXX XXXX XXXX Chase Bank Block 100 % all ACH Transfers to XXXX XXXXXXXX XXXX XXXX XXXX. 

Chase Bank XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX so XXXX said to remove the XXXX  from name and would work ////// XXXX Chase bank worked while XXXX XXXX Chase Bank transfer XXXX XXXX XXXX XXXX could not Verify XXXX and Maliciously Chase Lock XXXX Accounts and say walk into a Chase Bank with XXXX forms ID XXXX XXXX Would have to Take and Airplane or Buss to Chase Bank //////////// Chase Fraud departments give zero help with transferring money out of the Bank /////////////////////////////////////// Calling Chase Bank executive office said XXXX XXXX XXXX XXXX XXXX and XXXX XXXX where handling my Compliant so i called them 5 Days with zero response nobody told me there where Handling the Consumer Finance Compliant so I should have 100 % never called them //////// Purchase {$1800.00} as XXXX XXXX and XXXX XXXX wanted me to Call the bank to Approve Transaction was approved then my next XXXX online Credit Card Purchase all declined everyone suspect me of Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report inaccurate information regarding my credit file. XXXX XXXX is reporting current up to date accounts as potentially negative accounts. 

XXXX XXXX reported a 38 delinquent account when the accounts are paid and no longer reportable on my credit report. 

XXXX XXXX continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

XXXX XXXX continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

XXXX XXXX continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have discovered unauthorized accounts and inquiries that are the result of identity theft.

These accounts and inquiries were not initiated or authorized by me and therefore they do not reflect my true financial history or activity.

Under the fair credit reporting act section 695b and 15 us code 1681c2 I am entitled to request the removal of any inaccurate or fraudulent information from my credit report.

I am requesting that you remove these accounts and inquiries within 4 days from my credit report asap. 

Enclosed is copies of the relevant section of consumer law and supporting document of my identity. Provide updated of removal info as stated by law within 4 days. for the following account XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Account XXXX, Address 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 C-2 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 IDENTITY THEFT, not LATER than 4 Business DAYS after the date of receipt by the agency. I have attached A copy of my FTC Report A copy of my ID This statement which contains the identity theft info.

In addition the information to block was not made in error by me the consumer, The block requested is NOT basis of a material misrepresentation of fact by me the consumer relevant to request to block, I the consumer did not obtain possession of goods, services or money. Please remove within 4 days or I will ; have to take further action by law as this is my 2nd request!!!!!!
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.
Product: Money transfer, virtual currency, or money service

I was following an account on XXXX XXXX They offered credit repair, credit sweep, tradelines, cpn, help with obtaining auto loans, help with finding a co-signer for student and personal loans.On XXXX XXXX,2019 I purchased two tradelines and I was told that I will be added as an authorized user to two credit cards and will also be able to use them for my personal use but would be responsible for my charges and accounts will be in my possession and stay on my credit report for 12 months. Owner of the account sent me a request through Zelle for an amount of XXXX. She confirmed receipt of funds and later sent me a text stating that everything is all set and I should expect cards in the mail and gave me log in instructions to follow after cards would come.We later agreed that next week I would get more information on how to purchase a product that their website XXXX offers for obtaining a co-signer for a student loan and a personal loan. On XXXX XXXX,2019 owner of the account texted me saying that her XXXX account was deleted and even though she is on vacation, she will be available and will proceed on fulfilling her duites after I make a payment for those two products. I was told that it will take about 2 business days to receive funds. She sent me another request for Zelle but she said it was from her other Zelle account.  I paid XXXX for those products.  Few hours later I called and texted to see if she needs any information from me in order to proceed.  No response. I called next morning, no answer. After I hung up, this woman called and started yelling and cursing at me for bothering her on her vacation and that because of this she will block me and she won't be proceeding with any of her responsibilities. Later on she got her XXXX account back but under XXXX  name.  I have tried calling her.  She did block me from her number that was listed on her website XXXX. I kept sending messages through her contact link on her website and no response.  Few days later, I saw on her website that the number had been changed to XXXX.  I called that number and the woman answered.  After I told her who I was, she started yelling and cursing at me telling me that she doesn't care if I spent money on her products and that she has no intention of fulfilling her obligations and that if I called her again there will be actions done against me.In the past 3 weeks I tried to contact XXXX Zelle and XXXX (company that she has her domain from) asking for help in recovering my funds as it is very clear that this is simple internet fraud.  All three refused basically telling me that this is my problem.
Product: Debt collection

Midland Credit Management Account number XXXX Original creditor XXXX  XXXX XXXX Beginning XXXX {$1900.00} Updated balance should be at {$680.00} Payments started XXXX {$200.00} XXXX {$180.00} wage garnishment XXXX {$200.00} XXXX {$150.00} wage garnishment XXXX {$180.00} wage garnishment XXXX {$200.00} XXXX {$160.00} On XXXX at XXXX I contacted the agency and they claimed that they have no payments and they can not forward any additional payments I made to the XXXX Sheriffs Department XXXX At XXXX am I contacted the Sheriffs Department and explained to them what I was told and they said the agency is lying, that they are required to forward notifications of the additional payments made and to get in contact with them so they could forward that information. I contacted the agency again and claimed that the XXXX Department is lying that they dont forward any information to them. All I asked is for them to update my balance by forwarding the information to the XXXX XXXX Department and they are denying to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my Experian and XXXX  reports as well and have had no response.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX I placed an {$74.00} order to XXXX. My order was stolen from me when the driver went by and when I contacted XXXX for the first time they have refused to refund me. 

On the day the charge settled, I filed a dispute with Cashapp themselves for failure to render service. After the dispute was filed, I checked back everyday for the status as it would tell me the dispute is in review, until one day it silently disappeared because I could open another dispute again, with no email stating why or no notification in app as promised. 

When I contacted an agent, he stated he would look into the transaction details and asked me for my email, after I put my email, I found that he immediately closed the chat because the bot took over after I asked " So when can I expect an email? '' I was crushed. 

They have no phone support, the chat support is unreliable, and if they denied my claim they have not provided any substantial grounds for denying it nor have they taken the time to inform me like they promised because I had to file it twice thinking there was an error the first time.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX transunion and XXXX to have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in XXXX blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.
Product: Mortgage

XX/XX/XXXX Insurance Claim Event occured. XXXX (? ) XXXX XXXX payout around $ XXXX was sent to me, however, unfortunately had to go through mortgage escrow. We followed all of the requirements asked of our mortgage and were able to get some of the funds release ( only about 50 % ). XX/XX/XXXX, the mortgage was sold from XXXX to Shellpoint. XX/XX/XXXX almost all repairs completed including about $ XXXX in flooring replacement. XX/XX/XXXX finally had final inspector pass us with XXXX for full funds release. XX/XX/XXXX, finally get out of Shellpoint that they will not accept inspection from XXXX and request new inspection. XX/XX/XXXX, inspector ( from MCS ) comes out without setting an appointment and XXXX contact with us, and inspection attempt fails due to not being able to get through neighborhood gate ( again no contact with me attempted. XX/XX/XXXX finally new inspector comes out from Shellpoint. XX/XX/XXXX, Shellpoint has 100 % passed inspection report. XX/XX/XXXX, Shellpoint refuses to release funds and wants a lein to happen first from the contractor ( XXXX XXXX- whom I highly recommend ) who hasn't been paid since completing amazing work on XX/XX/XXXX.
Product: Debt collection

I have gotten repeated calls from 2 different numbers starting with XXXX. They have called me at XXXX XXXX. They have called me multiple times a day. Once they called right back after I denied the call at XXXX XXXX on XX/XX/21. They have called me on the weekends. Today, XX/XX/21, they called me at XXXX XXXX and it is Sunday! Here are the numbers that they have called from XXXX XXXX I also have a voicemail with them yelling in the background about something.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has intentionally or refuse to remove inaccurate information on credit report. It Clearly has No close date and only say No Info, therefore that is inaccurate information. Transunion need to remove immediately according to fcra violation that transunion has submitted on credit report.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I paid my account balance in the full amount of {$1800.00}. On XXXX XXXX, XXXX, Synchrony Bank closed out my account without notifying me, also without my consent. I did not put in a request for my Amazon account to be closed. The only reason I found out the account had been closed was because I check my credit report and it shows the account is currently closed. I requested a reversal of the closed account due to the fact that I did not request the account to be closed, that request was denied and refused.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be reinvestigated. 


I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger V. Transunion 2:95-cv-06445 ( C.D. Cali. No. 14, XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently seen a fraudulent credit inquiry from chase bank on my credit report, with no recollection of giving them authorization to access my credit. Please assist with removing this inquiry off my credit report.