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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXXXXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00XXXX XXXX XXXX Balance : {$2700.00XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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

On XX/XX/XXXX I received a notice from the Franchise Tax Board that my State refund was intercepted by Alliance One on behalf of the Superior Court County of XXXX XXXX. I contacted Alliance One, and spoke to a gentleman who stated he did not know what the debt was for, they did not have any records of what the funds were for originally. They referred me to the FTB of California, and suggested I ask them about any account information they may have. When I contacted them, I was told that they did not have any information in regards to the interception of my refund and they referred me back to Alliance One. Again, I called Alliance One at ( XXXX ) XXXX and informed them that the FTB does not have any information about a debt I owed that would cause the interception of funds from my State Refund from the tax year XXXX. They still could not provide me with any information about the debt, they couldn't provide a statement or a demand of monies. I was left with the statement " I don't know what to tell you. I can't give you what I don't have ''. That was the statement from Alliance One. After those 3 phone calls, I then contacted the Superior Court of XXXX XXXX XXXX. The clerk I spoke to looked up my name and did not see any open case, any unpaid fine, nothing. 
She researched the account number I was given and she could not find anything under that account number. She told me she would look into this further and call me back. After approximately a week, without receiving a call back, I called the Superior Court again, and the person I spoke to told me that she never found any information that I owed a debt for the court. The court showed I had a seatbelt ticket 10 years ago ( XXXX ), but the case was satisfied and closed. I've had numerous credit reports pulled in the last 10 years. Many times, when I purchased my home 5 years ago, and nothing on that report showed I owed for anything in Superior Court for XXXX XXXX XXXX. The court does not have record that I owe them money and I never received any statements from Alliance One requesting payment of monies. They did not notify me prior to intercepting my funds, nor did they try contacting me to collect any fine. I don't believe they intercepted my refund legally and I've written them to request they return the money. I sent the letter on XX/XX/XXXX requesting they refund my tax return money of {$440.00} they they took and I have not received any response from them, written or otherwise. Please let me know what I can do to get my refund sent back to me.
Product: Checking or savings account

On XX/XX/2022 Wells Fargo as unable to open my checking but couldn't provide me with any reason why they couldn't open my checking account.15 usc 1602 ( g ) The term creditor refers only to a person. 15 usc 1602 ( f ) tells me credit is my right. 15 usc 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 usc 1602 ( p ) did not unauthorized & didnt receive no benefits from this. 15 usc 1691 ( a ) ( 3 ) Makes it clear that I can not be discriminated against for exercising my rights.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In 2019 I returned a vehicle that I was leasing for the purposes of driving foXXXX XXXX that was originally leased through XXXX XXXX XXXX and was later sold to a company named XXXX. The vehicle was returned to XXXX with no infraction to the contract and no deficient balance. I have been registered at this address. I have not changed my phone number. I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX, XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by RPM regarding an alleged debt. I do not owe this debt. I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX. I verified my account was in good standing before closing the account with XXXX  XXXX. I have never been contacted in any way by XXXX XXXX since closing the account. I verified that I did not break any clause within the lease agreement before and after returning the vehicle and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/2019. 

The company that is saying that I owe this debt is RPM, Receivables Performance Management LLC. This accusation is unfounded and I ask that efforts to collect this invalid debt cease and that the Collection that was placed on my credit report be removed.
Product: Credit card or prepaid card

I had a credit card account open with Huntington bank. I opened the account a little under 3 years ago as my first line of credit outside of student loans. With this they provided me with a {$4000.00} line of credit. This happened to be before i frequently checked my credit score so I am unsure what it was at this time. Considering I had not other credit line except for student loan debt I assume it was not that high. A few months after having the card my credit line was raised to {$8000.00} without a notification from them which was good with me. At this time I had a car loan and just got a full time job and was still in school. Through some time in work I had to take off time in classes and my student loans started needing paid. Since it was in multiple loans I decided to have them consolidated to make things easier. During this time I was advised to wait until the consolidation was finished. During this time my credit did take a hit but went back up higher then it was previously. Around the time my credit went back to its normal amount they lowered my credit limit to {$1600.00} due to me being a " risk. '' I was a little upset by this, but they let me know I could call to have it raised in a 6 month span. During all of this time I had never missed a payment on my credit card and other then the student loan issue had not blemishes on my record for unpaid bills. As of XX/XX/XXXX when I had last used the card they ran another report which showed my credit limit was very different from multiple other credit agencies. They did not notify me until XX/XX/2019 that my account was closed in XX/XX/XXXX. Due to this I was unable to redeem the 90,000+ points I had saved up which in their system every XXXX points is ~ {$1.00}. When I called their support their reasoning was that I am to much of a risk to leave it open and there is nothing they can do. I re-ran my credit score and it had went up. They said there is no way for me to reopen the card or redeem the points. Even after speaking to a supervisor they said that I would have to reapply in 6 months. I let them know I would be closing my checking account that I had also had with them for almost 10 years to make sure the bank nearest to me was ready for me close my account. Not understanding at all she said she would file a complaint on my behalf.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX
Product: Debt or credit management

I signed up for the trial for Experian XXXX and when the trial ran out I am no longer able to log in to use the free version without paying for a higher tier membership. The login screen doesn't allow you to choose the basic free membership anymore and even though it says there is a free option to choose from, there is not. You can only PAY FOR A MONTH, AND THEN get into your account again and choose the free setting. You are basically locked out of your account until you pay for a month up front ... .I 've tried emailing them and no one responds. Try to call and they talk to you like its imperative to keep the membership or you're credit will go down the drain. ( We all know there's no need to pay for the membership, reps should do what we ask not what the company wants from us )
Product: Debt collection

Date opened XX/XX/2021 Balance {$330.00} L J ROSS ASSOCIATES IN did a collection at my XXXX  score account. I dont recognize this debt. I wasnt living in this unit when the XXXX XXXX XXXX charged any amount. It may be possible that with the COVID pandemic they kept using my name for the electric service after I moved out.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I have had over drafts consistently since i have had my account with Navy federal
Product: Debt collection

I had a XXXX XXXX XXXX account in XXXX and some one got a hold of my checks and over drafted my account by over {$1700.00}. XXXX XXXX XXXX refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX XXXX XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to Convergent outsourcing inc. We are disputing this for a XXXX and hopefully last time
Product: Credit card or prepaid card

Capital One has leaked my information out as well as thousands of others just like me. I have a very special need for privacy with my financial information. I am disappointed by this act of complete carelessness with respect to the responsibility of my sensitive information. I am receiving all kinds of notices from my identity monitoring service since the news broke about this breach of data my information is appearing all over the dark web. I am requesting that Capital One contact my attorney right away to discuss a resolution to this matter as I am now represented. Do not call me communicate in writing only. I also have ACTUAL damages.
Product: Debt collection

XXXX XXXX Hospital and services were cancelled and billed paid. when bill received proof of payment provided more than 3 yrs ago. Company sent to collection agency IC systems who were also advised of both paid prior and dispute. Both companies rude, unprofessional and refused to resolve the matter! 
Unacceptable customer TREAMENT and account handling!
Product: Debt collection

I have been receiving phone call from a company that is called XXXX XXXX XXXX also know as XXXX XXXX XXXX XXXX. They have been calling from XXXX. The phone calls started in XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was XXXX XXXX XXXX XXXX. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to Wells Fargo for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts as they are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX  XXXX  {$470.00} act XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally notify you of an issue regarding the reinsertion of a previously deleted account on my credit report. I have noticed that this account was reinserted without receiving proper notification from your agency, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ).

Item was closed, and deleted. And now showing charged off with a huge balance. This is not falsely added incorrect information to my credit report. 

Under the law, you are required to send a notice to me in writing when a previously deleted account is reinserted into my credit report, along with an explanation of why the account was reinserted. I have not received such a notice. As a result, I am entitled to request the immediate deletion of this account from my credit file, as well as seek compensation for this violation. 


I hereby demand that you delete this account from my credit report immediately. If you fail to do so, I will be forced to pursue legal action, including filing a lawsuit for damages as provided under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), which entitles me to seek a fine of {$1000.00} per violation.

Please consider this letter a formal notice of my intent to file suit if this matter is not resolved within a timely manner of 30-45 days from the date of this notice. I request that you provide written confirmation of the deletion of this account or a valid reason for your failure to comply with the law. 

I expect your prompt response.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, or personal loan

I paid off the loan on XX/XX/2019 and then on XX/XX/2019 an additional payment was deducted from my deposit account. When I called, the individual I spoke with seemed confused. The lender appears to use simple interest as when I opted to pay off the loan it showed figures for both outstanding principal and accrued, unpaid interest. The additional payment appears to be primarily for interest however I am not certain. In reviewing the loan agreement I noticed the calculate interest using a 360/360 basis which is highly unusual for any loan that is not a mortgage and I have never seen used in consumer loans which have a daily interest amount.
Product: Credit reporting or other personal consumer reports

FRAUD ACCOUNT BELOW : NOT MINE AND IS AFFECTING ALL THREE MAJOR CREDIT BUREAUS. I WILL FILE LITIGATION IF THIS IS NOT THROUGHLY BE TAKEN OFF. 


Account name HYUNDAI CAPITAL AMERICA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$64000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX 2031
Product: Student loan

On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.
Product: Checking or savings account

During financial hard times my Bank of the West account got low and I was charged multiple overdraft fees. I submitted a leadership of instrument to the bank in order to settle the account. I received no notice of this owner from the bank and by their non-response by assumption is that the negotiable instrument was excepted value but the bank never provided valuable consideration for the transfer. I have made numerous request in writing to provide answers to the questions that I am dealing with and bank of the west has provided no written response or answers or remedies to the problem at hand.
Product: Credit reporting or other personal consumer reports

I noticed a collection account in the amount of {$700.00} on my Experian credit report from XXXX I never had a account with XXXX I reach out directly to them in filed a identity theft report & also filed a police report last year that I sent to all 3 credit bureaus.