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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$140.00} -- -- -- -- -- -- -- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Credit reporting

In XXXX 2011 while visiting a relative in Wisconsin, the relative took me to XXXX for the purpose of buying a swimsuit which I did. Due to departure date, this item was not used and relative agreed to return this item for me which she did. Billing statements were NEVER RECEIVED!!! CREDIT BUREAUS SHOW THAT XXXX REPORTED XXXX ( XXXX ) LATE PAYMENTS IN 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my third dispute recently on XX/XX/XXXX with Transunion regarding XXXX XXXX XXXX. I informed them the account is reporting inaccurate information and I am a victim of identity theft. They have stated the account was verified however, I never received proof of this verification from Transunion or the creditor. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please follow the federal law and block and remove the accounts listed in my FTC report or I will have to seek litigation.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I submitted a complaint years ago on this company and was told I would be put on a cease and desist. Today PROCollect decided to call and leave a message with an attempt to collect a debt, even though I know my account had restrictions on it and it was written that it was done so by the agency themselves.
Product: Checking or savings account

My wallet was stolen on XX/XX/XXXX. The person that stole my wallet proceeded to spend {$920.00} from my account before I realized I no longer had my wallet. I called Wells Fargo immediately to report it and then called the police to file a report. On XX/XX/XXXX I went in to a Wells Fargo branch to make sure that the account was closed and get a debit card for the new account. On XX/XX/XXXX I called to check in with Wells Fargo about the status of my claim. I was on the phone for 1 hour and 3 minutes ( most of it I spent on hold ) for the agent to tell me that there was no way for the  security of a debit card with a chip to be bypassed and that I must have been the one to authorize the charges. I called the police officer who is handling my case immediately afterwards. He told me that they do in fact have a picture of the man that took my wallet and used my cards and they were working on identifying him. On XX/XX/29 I received a letter in the mail formally stating the information that the agent had told me on the XXXX. I called the number provided to see if I could speak with someone else and the agent on the phone told me that mm case was closed and would not be reopened. As soon as I got off the phone I went down to the closest branch to speak to someone in person. They made an appointment for me and asked me to return at XXXX with the police report. Due to it being an ongoing investigation they were not able to provide me with the report but a confirmation that a report has been made. I returned for my appointment and waited 45 minutes beyond my appointment time for someone to see me. At this time the banker ( XXXX XXXX ) filed an Escalated Complaint for me and said I would receive a call shortly. It is now XXXX. 9 days since the complaint was filed and Wells Fargo has not contacted me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$150.00} -- XXXX XXXX XXXX-Date fraud began XX/XX/XXXX Total fraudulent amount : {$470.00} -- XXXX XXXX XXXX-Date fraud XXXX XX/XX/XXXX Total fraudulent amount : {$880.00} -- XXXX XXXX XXXXI- Date fraud began XX/XX/XXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX- Date fraud began XX/XX/XXXX Total fraudulent amount : {$520.00} -- XXXX XXXX XXXX XXXX- Date fraud began XX/XX/XXXX XXXX XXXX XXXX XXXX {$94.00} I HAVE INCLUDED MY FTC FRAUD REPORT AND XXXX FORM ID VERIFICATION & A XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo continues to put false information on my Credit Report about a payment being late in XX/XX/XXXX. I have sent multiple messages to them and also disputed with all 3 credit bureaus and nothing has been done. They never made an attempt to call me about any late payments, my account is current and I have never been late with anything in my life. This has affected my credit score by at least 40 points, which in return does not help with interest rates. I would like some help trying to get this big bank to stop bullying me by not removing false information from my credit report. 

Thank you
Product: Credit card or prepaid card

During XXXX and XXXX, I was traveling in the United States and XXXX on various Musical Tours. A few times within that period I tried to make my payments via XXXX  XXXX XXXX app and their website however I had some difficulty with the payment processing. As a result, my payment never went through and I received a late payment flag on my credit report. 

I tried explaining this with various XXXX XXXX representatives and they mentioned there was nothing that could be done which had me contacting CFPB. 

I have a great payment history with XXXX XXXX and have had my credit limit on my cards increased by them without any inquiry. 

This was an unfortunate circumstance beyond my control but my record speaks for itself as I am in very good standing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I've had 3 accounts, with the same bank. It's a local bank, and they don't release any credit information.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I filed a complaint here # XXXX against ; XXXX XXXX XXXX Citi Card. 

Since then I have gone back and forth with XXXX XXXX XXXX Citi Card submitting the same information over and over again. I even called to ensure they received the information only to get the same email again requesting proof of cancellation. 

I first sent them this on XX/XX/XXXX, again on XX/XX/XXXX, on XX/XX/XXXX, then on XX/XX/XXXX, a follow up on XX/XX/XXXX, then on XX/XX/XXXX, and lastly today ( XX/XX/XXXX ). All of these emails were sent in reply to the same request over and over from XXXX XXXX XXXX Citi Card I called numerous times, this claim first began on XX/XX/XXXX, it has been two years of nonsensical requests for information they already received. 

The claim # with XXXX XXXX XXXX Citi Card is XXXX - Citi card ending : XXXX
Product: Debt collection

I was 1 month late with a credit card in XXXX and I began receiving phone calls from Citi XXXX XXXX a company under Citibank. Even though I began paying down on the debt they continued calling me, between 4-7 times a day, no less than 100 times a month. I am current with my bill and am still receiving calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) 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. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.
Product: Credit card or prepaid card

I was placed as a Authorized user on my mother 's Capital One credit card, and after 2 weeks Capital One sent my mother a email stating that she removed me from her account. After calling into Capital One and speaking to a representative, she was later informed that Capital One removed me from her card based off a " business decision '' due to my " past or present '' legal actions. I later applied for a Capital One credit card of my own and was accepted and granted a card. However, when the card came in the mail i was unable to activate it due to them saying the same thing " based off past or present legal actions '' I am denied. I do not have any legal issues pending or present. I however had legal trouble in the past but have changed my life around for the good. I am being denied access to credit which is hindering me in life and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported late payments on my credit report and without consent, that continue to affect me buying a home. Reporting my transaction history is against my right according to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; MY RIGHTS ARE CONTINUOUSLY VIOLATED BY THIS COMPANY AND I HAVE NOT BEEN GIVEN PROOF, AND ACCOUNT AMOUNT CONTINUES TO CHANGE/NOT SURE IF IT IS ALL ACCURATE.
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX in XXXX, XXXX for a 90 day loan for mattress. They didnt pull all the money on the last month for 90 days. They trying to carry it for 12 months and thats double price for the mattress.
Product: Credit card

I applied and received a Citi XXXX XXXX with a annual membership fee of {$95.00} during XX/XX/XXXX. Since then I have used this card and paid the amount due in full every month all the way till XX/XX/XXXX. Around XX/XX/XXXX ( payment due date ) - may be last week of XXXX when I usually pay my bill/credit cards, i became aware of the annual fee of {$95.00} posted to my account for the year XXXX to XX/XX/XXXX. I scheduled payment for the balance without the fee, as I was planning to cancel the card ( so didn't feel necessary to pay the annual fee ). Though you can apply/activate a new card, you can request a addon card online for some, but NO ONLINE CANCELATION is available. So I planned to call and cancel later. However during XX/XX/XXXX weekend we moved from XXXXXXXX XXXX XXXX XXXX XXXX During the move process I forgot about the cancelation. 

Today I came across the new statement that had NO TRANSACTION charges ONLY Fees ( Annual membership Fee + Late Fee ) and Interest on the fees. I called up requesting a cancelation and reversal of fees. However the customer service and the CR-supervisor ( XXXX XXXX from Florida ) denied my request to reverse/credit/refund the annual fee. I believe this is unfair and needs review by the executive team.

I also wanted to point out one of the main reason of cancelation is the excessive blocking of the card in the name of fraud ( without giving any reason ), which I had complained multiple times.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning when I saw incorrect accounts on my credit report. I have no clue how they got there! I do my regular checks, and everythings been fine, but suddenly, these errors appeared out of nowhere. I even refreshed my browser, thinking it might be a mistake, but it wasn't. These wrong accounts were still there. Im asking that the documents I provided be thoroughly reviewed so I wont have to go through this nightmare again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX 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 reporting or other personal consumer reports

Subject :

Dispute of Inaccurate Personal Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information that appears on my credit report. As a consumer, I have the right to ensure that my credit file contains only correct and verifiable information under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. To clarify, my correct and accurate personal information is as follows and The Attached Document. I only have 1 name 1 address 1 phone number.