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

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. 
Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/2019 ] - **Outstanding Balance** : [ {$6800.00} ] 2. 
Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/2019 Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter.
Product: Checking or savings account

In less than 2 weeks several problems with this bank : 1 ) charge made from my credit card to put {$25.00} on this account, vs. asking me to deposit. The issue was they " open '' an account but not really, until a payment is made. They didn't indicate that one when you fill out the paperwork. I got the acct approved but apparently they didn't do squat with it until they took money from me. XX/XX/20. 
2 ) XXXX  up the billpay. Acct created on XX/XX/20, but multiple bills before that time went against my account. Refused any straight answer for why this happened. Never would address it. Nor did they address why they took, on the same day ( XX/XX/20 I believe? ) a bill pay scheduled for the future on XX/XX/20 out on XX/XX/20. 
3 ) XXXX  up the account telling me the account was only 2 weeks old ( it was over that ) and refused to tell me WHEN the account wouldn't be considered new ( one person said 30 days but you can't trust anything they say, multiple flip flops on stories given to me were pointed out in conversations ), that they had massive fraud going on from check deposits ( I had a direct deposit from a known local state agency for my check ) and why that was an issue, what other XXXX ups they hadn't done yet, and why I couldnt ' get money from a teller. They also wanted to charge {$10.00} for checks that I was told in the branch that they could print 3 checks a day for free. 
Hiding all this on their XXXX  page.
Product: Checking or savings account

A few months back I had reached out to Capital One concerning my late XXXX XXXX XXXX account. And by way of recorded conversation I was informed that the account is still open. However on XX/XX/XXXX I called out of concern pertaining to my late mothers account. I was then told that the account was closed back in XXXX. And was instructed to send them an email with a reference number. In which I did and to this day theres been absolutely no response or closure to this issue. And Capital One is actually covering up for their errors due to Fraudulent Activities by my sister XXXX XXXX XXXX who had a fraudulent Power Of Attorney Document in which was proven by the courts and an actual Court Appointed Guardian was appointed to my late mothers care due to these fraudulent activities. Sadly Capital One has fallen into Criminal/ Fraudulent activities by deception
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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  : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$700.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Three times theyve confused me with someone else. The other person, who MOHELA told me the name of, has applied for Public Loan Forgiveness. That is not me, I have never done that and have no reason to. Their customer service has gone to bosses each time to try and rectify the problem as theyre not just harming me, theyre more importantly harming the person applying for the public loan forgiveness. MOHELA is incompetent. I file this complaint and will call them soon with this complaint on record to try and rectify the problem. Wading through 10 minutes of prompts on the phone, followed by 15 min of waiting, followed by 25 min of someone trying to fix THEIR problem is not how I like to spend my time. Much less doing that three times.
Product: Credit card

I am writing to bring to your attention a concerning situation involving my application for an American Express XXXX Card. Despite successfully applying for the card, I never received confirmation of approval or the actual card itself. Subsequently, unauthorized usage occurred on the card, resulting in fraudulent charges and an account that was sent to collections. 

Here is a concise summary of the events : Application : I applied for the American Express XXXX Card through the designated application process. While I received an acknowledgment of my application submission, I never received any further communication confirming approval or the mailing of the card. 

Unauthorized Usage : To my surprise, I discovered that unauthorized transactions were being made on the American Express XXXX Card, indicating that the card had been issued and was being used without my knowledge or consent. This raised serious concerns about the security of my personal information.

Card Theft : It became evident that the card had been mailed out to an incorrect address. Unfortunately, the card fell into the wrong hands, and an unknown individual stole the card to initiate unauthorized transactions.

Account Closure : Once I became aware of the unauthorized activity, I immediately contacted American Express to report the fraudulent charges and the unauthorized usage of the card. The account was subsequently closed to prevent any further misuse. 

Collections and Damage : Despite taking swift action to report the unauthorized usage and close the account, I was informed that the account had been sent to collections due to outstanding charges that had accumulated as a result of the fraudulent transactions. The total amount sent to collections is {$1400.00}. 

Ineffective XXXX XXXX : The card 's issuance to the wrong address, coupled with the subsequent unauthorized usage, underscores a severe breakdown in the card delivery and security processes. 

This situation has caused significant distress, financial burden, and damage to my credit. I am seeking your assistance in resolving this matter promptly. I believe that the circumstances surrounding the unauthorized usage of the American Express XXXX Card are a result of systemic vulnerabilities in the card issuance and delivery processes, which require a thorough investigation to prevent similar incidents from happening to other consumers. 

I kindly request that you investigate this matter and work with American Express to rectify the situation, including the removal of the erroneous charges from collections, restoring my credit standing, and addressing the security gaps that allowed this situation to occur. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in safeguarding consumers ' financial well-being.
Product: Checking or savings account

Bank put erroneous legal hold on account. Received legal hold release on XX/XX/year>, refuse to help release funds. No money for thanksgiving, the whole weekend after, still no money today.
Product: Credit card

Ive been waiting for a while for a response to my scra or the act for Louisiana. I am XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ). 
I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail - USPS, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct. 

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites. 

Each of the agencies wrote back saying that the credit score was valid and accurate. 

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that XXXX, XXXX and Equifax remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy. 
For breaking the law, and violating my rights as a federally protected consumer, I demand the remedy be paid. 
Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( Equifax, XXXX XXXX XXXX ) that were illegally reporting on my consumer report, pay {$18000.00} for 18 seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations. 
I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies. 

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid. 
I will also submit complaints to the XXXX XXXX XXXX and the Arizona State 's Attorney.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a XXXX dishwasher and related services from Best Buy in the amount of {$1200.00} on a My Best Buy credit card issued through Citibank. The item had incorrect dimensions and was returned to Best Buy before I took delivery of the item. 

I have a paper receipt and an electronic receipt ( see attached ) confirming that the item was returned. I also had an individual from Best Buy wait on hold with me for more than 30 minutes to inform My Best Buy credit card issued through Citibank that the dishwasher had been returned and was in stock at the Best Buy on XX/XX/2020, which was ten days after the item was returned. This ten-day period initially exceeded the time I was told the issue would be resolved. I opened a dispute with Citi and they informed me that the disputed charge would be 'resolved as quickly as possible. ' I was informed that could take up to 48 hours, and then, 48 business hours, and six days later, 'more time than 48 hours ' ( I spoke with XXXX Team # XXXX at Citi XXXX. The item still appears on my bill and I would like a full credit for the item ( see attached ) which I do not own.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : XXXX : The Names on my report should be corrected and these Inaccurate names must be removed : NAMES : XXXX XXXX XXXX. My Address : These Addresses are not mine and should be removed : XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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.

EQUIFAX 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: Debt collection

there a XXXX  bill thats not mines for XXXX opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my Equifax settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.
Product: Debt collection

I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.
Product: Checking or savings account

I opened a " XXXX XXXX XXXX XXXX Account '' with TD bank in XX/XX/XXXX with an opening XXXX. 

According to their advertising and what I was told when opening this account, that the interest rate would go up based on the amount in the account. The starting interest rate as advertised should have been XXXX XXXX. After XXXX XXXX XXXX ( it is now XX/XX/XXXX ) the interest rate on this account is at XXXX XXXX. It has not changed and the account now has in excess of XXXX. According to the advertising this interest rate should now be XXXX XXXX, but it was still reading only .XXXX XXXX 

I called TD Bank today and explained this to them. Their answer was that they stopped using the " XXXX XXXX '' product and are onto a " XXXX XXXX '' moniker. And the bump rate only applies to this new " XXXX XXXX XXXX product. 

NOTE THAT the online banking at TD bank still shows the " XXXX XXXX XXXX XXXX '' language. 

The rate never moved since opening the account. 

I was never informed that my account was no longer in the current product line. 

I never got the advertised interest rate for the initial deposit nor the " bump '' in the rate for increasing my savings. 

HOW IS THIS LEGAL? After my call they are moving me into the new " XXXX XXXX XXXX XXXX '' line. But after having my money in there that long and only seeing a XXXX XXXX interest rate, shouldn't they owe me some money? This sounds like a scam! Any thoughts? 

Another bank is already being sued for this. 
XXXX XXXX XXXX This is exactly what is happening to me.