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

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXXXXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hi, I was just on the phone with the fraud team from XXXX XXXX XXXXXXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system.

I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Product: Debt collection

My identity was stolen in the form of someone renting an apartment in my name. Columbia/Genesis Debt Collection is attempting to collect a debt I do not owe.
Product: Credit card or prepaid card

An overpayment was made via   XXXX   XXXX   transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Reporting late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transunion and XXXX XXXX late XX/XX/XXXX XXXX XXXX XXXX XXXX reporting late XX/XX/XXXX Transunion and XXXX In Accordance with the Fair Reporting Act these creditors has violated my rights under U.S.C 1581 section 602 states I have a right to privacy 15 USC 1681 Section A ( 2 ) consumer reporting agencies can not report an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
I have made at least 3 attempts to solve this issue before reporting to you XXXX and XX/XX/XXXX
Product: Debt collection

I have disputed this alleged debt with southwest recovery services. I have no recollection of this alleged debt. I have recently received another email from them attempting to collect. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. 
These items include : XXXX. The original contract with the original creditor with my picture and my signature XXXX. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me. 
XXXX. Any and all payment history regarding this alleged debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : Experian, XXXX and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.
Product: Debt collection

After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!
Product: Credit card

Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.
Product: Debt collection

I took a 16 ' fall from my deck on or around 2015. I went to XXXX XXXX ER  ( NC ). I had a {$100.00} Deductible & paid that at ER. Remaining bill 's are XXXX 's responsibility. I called the Hospital & they were working with XXXX. I called XXXX many times. The $ 500+ is comprised of 3 different bills. Each call the XXXX rep said I owe nothing & they would pay. They paid 1 of 3. I called XXXX again, oversight sorry & they'll pay. They paid 2 of 3. I called again, oversight sorry, on XXXX 's part, they said they will pay & I thought it was resolved. It is crazy the # of times I had to call XXXX. Then I received notices from a collection Agency. I have since had to go on XXXX & I have no records from that period of time, I lost my home & have had to move 4 times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( TransUnion, XXXX, and XXXX ). 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I tried to chat online for XXXX miles will be credited to my XXXX XXXX flier membership account after spending {$2500.00} in first three months. Representative told me to investigate this & will resolve problem but never happen. Then I called Citi/Aadvantage tall free number, talked with XXXX, she told me that there no offer like that. I have email that they sent to me & Statements of credit card which will prove that I have spent more than {$2500.00} as they require.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing. My name is XXXX XXXX, I have a different date of birth and social security number from my son whose name is similar ( XXXX XXXX XXXX but we are different individuals.
Product: Debt collection

On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent time day and night working to resolve this issue this is my third attempt.
Product: Credit card or prepaid card

XX/XX/2019 Called CITIBANK XXXX XXXX XXXX They found the account and forwarded me to Federal Fraud Called XXXX XXXX XXXX XXXX Called XXXX Reference XXXX XXXX Called Federal Trade Reference XXXX XXXX XXXX XXXX Fraud Alert on my XXXX account Account opened XX/XX/2019 charged XX/XX/2019 XXXX Over limit alert. Called CITIBANK back again for a " Closed Account '' and they stated they could not locate my information without a Credit Card number. And did not assist me with the letter for " Closed Account ''
Product: Debt collection

The two accounts below are reporting on my XXXX  and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX Account NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date Opened1XX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX
Product: Debt collection

I've recently enrolled in a debt XXXX  program and since then, I've received XXXX letters for debt collection. Both debts are over XXXX plus years old. 

The name of the collection company is Resurgent Capital Services. I was told by my attorney that the statue of limitations to collect on a debt here in XXXX  is XXXX years. The debts are listed below : Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Balance : {$1000.00} Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Balance : {$1900.00} The date listed for the original debts are XXXX  2006. This is past the XXXX years of statue of limitations.
Product: Debt collection

I recently tried to apply for a new credit card and didn't get accepted due to a collection n showing on my credit report. I was unaware of the bill and would have never found out the bill existed if I hadn't run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX Date opened XXXXLast reported XXXX active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXX-Last reported XX/XX/2022 Last active XXXX XXXX  Account # XXXX Date opened XXXX reported XXXXLast active XX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states a consumer reporting agency can not furnish an account without my instructions or written consent, under 15 USCs 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had an account with XXXX XXXX prior to the merge with Wells Fargo in XXXX. I called customer service and closed the account leaving money in the account to cover any charges for 1 month. I called back to customer service and advised that I would be withdrawing the additional funds from the closed account, but I will leave enough money to cover the ATM charge. In XXXX, I received notice from Wells Fargo regarding excessive charges to this closed account over {$200.00}. ( Please note there was no correspondence by phone or mail from Wells Fargo prior to receiving this notice. ) I called the phone number provided on the notice and requested bank statements to support the alleged charges. I received the month prior with a positive balance and the month after negative balance, but they failed to send the actual month that the alleged charges occurred. I called again to request this month, but was told that it should be there. The person became argumentative when I advised him that I did not receive the document. I advised the personnel that if the company can send me actual proof of the amount owed, I do not have a problem paying an amount that I owe. 

On XX/XX/XXXX, I received a voicemail stating that she will attempt to serve papers tomorrow on XX/XX/XXXX between XXXX, if she is unable to serve the papers then she will document that I refused the papers and the court proceedings will comence without me leaving a contact number of the plaintiff department at XXXX. At the time, I was totally unaware of what the call was referring, but the representative ( which voice sounded the same as the one leaving the prior voicemail ) advised me that it was referring to a XXXX account. The representative then stated that I owe a total of {$440.00}, but I have the option of paying 70 % of the total owed in the amount of {$310.00}. I was also given the chose of making installments? I explained to the representative that I requested documentation from Wells Fargo in XXXX to support the charges, but they failed to send me the proof of the actual charges. The representative stated that she did not have access to banking statements and inquired about how I wanted to proceed? I advised the representative that I was not going to pay an amount simply because they say that I owe an amount that they are not willing to provide documentation. The representative stated that she would document that I will continue with court proceedings.