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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

My name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Hunter Warfield for committing Identity theft. I have never given Hunter Warfield any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe I am legally refusing to pay this debt Pursuant to 15 USC 1692c ( c ) .I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Hunter Warfield can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Hunter Warfield continues its collection efforts, I will file for litigation for actual damages caused and Hunter Warfield will be held criminally liable for aggravated Identity theft Pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mal fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention are both requested and required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been updating inaccurate account information to the 3 credit bureaus for years. I have not had any accounts with this company, they have reported 2 duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and experian refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the 2 inaccurate accounts from all three credit bureaus reports.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report as they were compromised due to the breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts and inquiries : Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$44.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$270.00} Inquiries to be Blocked and Deleted : XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

Account states it was opened XX/XX/year> XXXX Reported XX/XX/year>. The Payment Status states, Placed for Collections, in the amount of {$360.00}, Company Name : AMSHERCOLLECTIONSERVICE.

Attention Fraud Department : This company, AMSHERCOLLECTIONSERVICE is on my credit report is a direct violation of the no surprises act. I don't know who they are, and I've never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Product: Prepaid card

My Aunt gave me this card for XXXX. She is the one that spoke with them so Im not sure what all she was told.
Product: Credit card or prepaid card

XXXX Direct Express has Violated the Consumer Protection Laws which it's Promises to Pledge and to Protect it's Customers!!! 
Direct Express provides poor online security in terms of Preventing Unauthorized Fraudulent Charges. For example, my XXXX Debit Card has been compromised multiple times. In XXXX XXXX XXXX, my card was compromised 25 times in a one month period for an amount of XXXX. XXXX has done a poor Job in Fund Replacement. Furthermore, there are tens of thousands of customers that have been compromised with identical situations that amounts in the Millions of Dollars ; which Direct Express ignores and looks the other way!! Many of XXXX  Debit Card Customers are SA, SSI, SSDI whom do not have or lack the ability to ascertain the help. Their are approximately 5M XXXX Customers ; which XXXX has only One ( 1 ) incoming line. The average wait time 90 min-2 Hours. XXXX does not provide a download dispute form. The XXXX Reps are mainly of XXXX XXXX XXXX XXXX XXXX XXXX the require command of the English Language. When asking XXXX how and why my card has been compromised... XXXX has No Comment!! This Unscrupulous Financial Institution has more Complaints regarding Unauthorized Fraudulent Charges placed on it's customers cards then Any Other Bank or Banks. Still further, XXXX lacks an email address for it's contact with the outside world!! One may as well go swimming in shark infested water  prior to having the ability to Contact XXXX through their one and only phone line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) 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 agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit card

On XXXX XXXX, 2015, I received a letter from Chase Bank indicating that they were closing my line of credit because they no longer offer the product. They indicated that there was no cost to me and that I could pursue other credit products that the bank offered. 

I have had the line of credit with Chase for about 10 years. I was never late and was in full compliance under the loan agreement. Chase indicates that there is no cost to me ; however, that is an incorrect statement. There are actually at least ( 2 ) costs to me : ( 1 ) closing the account could negatively impact my XXXX score since a portion of the XXXX scoring is based on age of accounts, credit utilization percentage, and etc. - this could result in " higher '' borrowing costs. ( 2 ) there is the cost of my time in reseaching other credit products with other banks. 

As a Treasury/Banking Professional for a Government Agency, I am very familiar with Chase and the products they offer. There was no need to close this account and the reasoning provided by Chase was prima facie - false, misleading, and damaging. 

My expectations are that Chase immediately reinstate the line of credit or roll the credit availibilty into another account.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, which I can not explain. Upon my routine check, I noticed unusual discrepancies. I tried refreshing my browser to rule out a malfunction, but the unauthorized inquiries were still there. Hence, I request a detailed review of the documents Ive sent to prevent future worries.
Product: Money transfer, virtual currency, or money service

My phone number got ported to XXXX XXXX i think. So i did not have signal on my phone. After work i went to XXXX to get it fixed. After getting a signal, XXXX XXXXXXXX called me about someone ordering an XXXX  in my number ( thats why me and the XXXX representative assumed it got ported to a XXXX XXXX ) They used my number to change the password of my bank and email. So that they can do fraudulent stuff like my other dispute where they opened a XXXX XXXX credit card. 

They tried to cash a check of {$1000.00} and {$500.00} but its still showing pending and i already managed to call my bank to fix everything. They said they will try to put a hold on it
Product: Credit card or prepaid card

In XX/XX/2019 I received an offer to apply for a Delta Skymiles Gold card. I received both a flyer in the mail and email with the same offer. Part of the offer was that the {$95.00} annual fee would be waived the first year. In XX/XX/2019 I applied for the offer online through the website provided in the flyer and using my Skymiles number to access it. I was approved by American Express and began using my card. When I received my first statement I noticed the annual fee had been charged, so I contacted AmEx through their online chat on XX/XX/2019. I was told " There is no such offer for no annual fee for first year. '' I disputed this and was told they would open an investigation. I thought I still had the flyer in my recycling, but could only find a different flyer which I had received after applying for the original offer, although this offer also included a no annual fee the first year. I had also deleted the original emails after having been approved for the offer. I called AmEx on the phone and was told to check back on the status of the investigation. On XX/XX/2019 I contacted AmEx through their online chat. I was told the investigation was closed and " the image you've uploaded supporting your claim regarding the annual fee waiver offer could not be loaded at our end. '' I had never been asked, nor tried to send an image. The investigation was reopened, but since I have no proof of the offer I feel this will not resolve the issue. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXXXXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), TransUnion - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( CAPITAL ONE ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' CAPITAL ONE the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( CAPITAL ONE ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( CAPITAL ONE ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to CAPITAL ONE.
Product: Vehicle loan or lease

I told t try hem I didnt want any kind o f extended warranty and my sales person said the same thing to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Signed a paper no extras except for gap got home looke at the contract they added over XXXX in warranty and would not fix it
Product: Mortgage

In XXXX of XXXX Select Portfolio Servicing paid my homeowner 's insurance a month before it was due. I was going with a new company due to a lower rate. I contacted SPS and they informed me that they had paid the previous company the higher amount. At that time they paid the new amount out of my escrow account. The old insurance sent me a refund and I sent SPS {$1300.00} via my online bank stating escrow only on XX/XX/XXXX. This payment was applied to monthly payments. I have been contacting them since then when I receive my monthly statement and it has not been corrected. I am told it has to go for review and will take 30 days for approval to be placed back into my escrow. On other occasions i am told that an email has been sent to a supervisor to escalate the situation. I ask to be sent to the escrow department and the representative tells me she is the escrow department. They also state a manager can't help me. I have been transferred to managers who state the same thing. " Let me email my manager to escalate this. My escrow analysis arrived in the mail that shows my payment will increase from {$620.00} to {$680.00} to cover the {$1600.00} escrow shortage. Even though they show my insurance and taxes have decreased. This is the second increase since they took over servicing my account. My escrow never increased while through XXXX. I even set my payments to be {$50.00} extra towards principal every month. I am needing someone to help me correct this issue because they are not moving the money into my escrow. My statements still say I don't have a payment due until XX/XX/XXXX. As of this date my second installment of my property taxes have not been paid. I just found out that my property taxes are now late as well. I never had an issue with my prior company. 

XXXX XXXX XXXX Select Portfolio Servicing Account number:XXXX
Product: Checking or savings account

I attempted to open my Bank of America app and wasnt able to log in. I called and was told my account had been closed but the first person I spoke with wouldnt tell me why. I then spoke with a supervisor who stated that the account had been closed and the reason was related to a business decision but the supervisor couldnt tell me what that meant or exactly why the account had been closed. There was a positive balance and no signs of fraudulent activity.
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to have a fraud alert permanently removed from my credit file. And each time that I send a letter or I try to call someone at their one 800 number I am met with nothing. I am beyond fed up with this, and I am tired of spending money to send certified mail letters to them, and they fall on deaf ears. I have also attempted to use the self help portal to remove it from my credit report and it does nothing.
Product: Checking or savings account

I tried to withdraw cash from Bank of America 's ATM on XX/XX/XXXX evening. 
After I put the amount of cash, the screeen frozed. 
I taped many times to fix it but the machine never responded so I gave up to get money and just left the site. 
I believed that there was no transaction at all but I checked my account later, there was transaction for that!!! Where is my money!! 
The amount is {$900.00} so I called Bank of America to craim dispute. 
I was sure that I could get money back but they denied my craim!! so I did second claim but again they denied and I did one more time but it was denied. 
What kind of investigate did they do? 
I asked them to check the security camera so I am confident that I didn't receive {$900.00}. 
This is not fair. I feel like they stole my money. 
I can't give up that so until they give me money back I want to fight.