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

It has been a battle going through all this and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Debt collection

I've called and basically was told well your social so you pay the bill, I sent a debt verification to the company and have never gotten a response, I dispute it thru the bureaus and it always co.e back update not verified but updated so I'm finally taking this matter to the CFPB as it my rights under the fair debt collection practice act 15isc 1602 sec 809 ( b ) .I have a right to request validation of the debt you claim that I owe you, I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXXk Date opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX  for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXXXXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX for XXXX  years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXX for XXXX years. From XXXX XXXX.I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Product: Mortgage

My escrow was raised 3 times higher than it was, This caused my payment to double. 

There is a very big mistake My real estate are XXXX My homeowners insurance is XXXX a year at XXXX How am I being escrowed XXXX This is a big mistake at BANK OF AMERICA I need my escrow to be calculated correctly. I have had homeowners insurance the entire time
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Product: Prepaid card

I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.
Product: Checking or savings account

Someone has been opening different accounts in my name, this one was Capitol One 360 checking account. Because I have had previous opened I have been watching for. I received a capitol one 360 checking debit card. I called told them to cancel anything they opened in my name. Come to find out that same day, they opened 10 savings and checking accounts on the same day. After received all of the account closed notifications I got one with a statement from one of the accounts. Apparently on the day they opened them they began doing many small deposits in one account, from churches, then eventually XXXX  the money to someone. This was a red flag because it looked like they were testing this account. Weirdly all accounts for small change! The fact that they were all from churches was worrisome. This was the statement from one of the accounts that was closed so I have documentation of all the transactions. These are the transactions on the one day of activity. 
XX/XX/2022 XXXX from XXXX XXXX XXXX XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX XXXX, 2022 XXXX from XXXX XXXX XXXX. XXXX XX/XX/2022 Deposit from XXXX XXXX XXXX XX/XX/2022 Deposit from XXXX XXXX. XXXX XX/XX/2022 XXXX from XXXX XXXX. XXXX Then it continues on with deposits from the different savings accounts they opened XXXX from XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXXXXXX. credit XXXX Deposit from XXXX XXXX  XXXX XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX  XXXX  XXXX. credit XXXX Deposit from XXXX XXXX  XXXX  XXXX credit XXXX Deposit from XXXX XXXX XXXX  XXXX XXXX credit XXXX XXXX XXXX sent to XXXX XXXX debit XXXX The statement has all of the savings account with more deposits of minimal XXXX amounts from the same churches in each one.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that are not mine or authorized by me, as law requires. 

I called Transunion and requested they correct the issue and was told they can not help. 

The inquiries specifically are : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please help me correct this issues and force Transunion to appropriately work with clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Arvest bank is reporting an account on my credit that is not mines
Product: Credit reporting or other personal consumer reports

ARBRITRATION WILL BE FILED IMMEDIATELY IF THIS IS NOT RESOLVED WITHIN 4 BUSINESS DAYS. 

Transunion has removed XXXX and XXXX XXXX  Account from report, but not XXXX. These accounts are a resulto INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX & Transunion File Number : XXXX, XXXX, and XXXX. 

Consumer rights have been violated per 15 U.S. Code 1681n - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX, and Transunion report showing proof of claim that 2/3 accounts were removed from the Identity Theft Report. 

We are inquiring to know what does XXXX considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? 

Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the Consumer been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? As such, the Consumer is exercising their rights under 605B of the FCRA to request the removal of fraudulent items from the consumer report.
Product: Debt collection

FCRA 605 ( 15 u.s.c. and 1681c2 ) block of information resulting from identity theft. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report. I have informed all parties of their individual violations and seek immediate removal and proof of validation at once.
Product: Debt collection

I have been inudated with Attorney solicitations about a judgement action that will be taken against me by XXXX XXXX. This has been going on for several weeks. It felt like a conspiracy between the Law Firms and this Company which purchased a debt they alledge I owed. 

I had filed for XXXX XXXX Bankruptcy in XX/XX/2020. I am not sure who this debt is too. 

I sent XXXX XXXX an email on their website asking them to contact me I never heard from them. 

This morning I received a summons to appear XXXX XXXX  with XXXX pages of attachement with the words redact written close to a XXXX times on them. 

I am XXXX XXXX XXXX. I am XXXX but I will head to XXXX on XX/XX/XXXX. 

I wish to file a criminal complaint against XXXX XXXX for being involved in a conspiracy with at least XXXX Law Firms to make money on a debt which I may or may not owe and not giving me the courtesy of notification and a chance to review this. 

If the debt is owed I would come to some understanding on paying it off. However, they choose to use scare tactics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.
Product: Mortgage

I am desperately trying for a loan modification. I submit all of my financial information, along with paperwork to show my home is worth {$140000.00} MAX, I would be lucky if I got that. My mortgage company keeps denying me for a loan modification stating they can not create an affordable payment for me because, according to their ELECTRONIC valuation ( not even a real appraisal ) that they think my house is worth {$230000.00} according to their last denial letter in XXXX, the AVM value was XXXX. I wish! I live in an old home ( built in 1942 ), it is only XXXX sq feet and located in a very rural area ; in AVERAGE/FAIR condition. If I could get that much money on it I would sell it. I tried telling them this information and sending documentation but nobody will listen. My house is worth no more than {$140000.00} and MAYBE {$150000.00} and that is on the higher end. I have attached my written authorization to direct all further correspondence on this matter to XXXX, XXXX and XXXX at XXXX XXXX ; I have also attached records of my house and notice of valuation from our county assessor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

XXXX ) XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ( THESE ACCOUNTS 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.

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: Credit card or prepaid card

I received this Atira gift card as a XXXX  Debit card {$50.00} and held onto it to save for a special trip. When I called the company I find out the company charged me {$2.00} each month after a 12 month period so there is NO money left on the card. Even though the card says Good thru XX/XX/27. It costs the company nothing while Im not using it. This is just under handed theft to me. They said sorry nothing we can do. 

Your instructions say dont share any account numbers so Ill wait to hear from you to send the card number
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Equifax. Equifax you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Equifax was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions to equifax to furnish anything.
Product: Checking or savings account

I received a letter in the mail from PNC Bank dated XX/XX/2021 stating that I recently opened three PNC consumer accounts on XX/XX/2021 in accounts ending in XXXX, XXXX, XXXX. I DID NOT. My name and address was stolen off of the XXXX The State of New York website last XX/XX/2021. My name and address was being used to try to file additional claims. I had my credit frozen immediately for 1 year. I just spent over an hour on the line with customer service with PNC Bank call center at XXXX with a XXXX who instead of reporting a fraud claim was asking me questions such as my birthdate ( which I gave him ) and my social security number. At that point a red flag flew up and I stated absolutely not, you are not getting my social security number, as your bank just opened 3 accounts under my name and old address without it and I do not know of this bank or trust you. He then stated that it would be up to 30 for a fraud specialist to call me back. He also has my cell phone number now. He finally gave me a file number of PNC XXXX, after I became upset because these accounts would be open that entire time. He told me to go into a branch in XXXX XXXX XXXX to close them if I wish. That is 300 miles away from where I live, and I am petrified at this point that he and the PNC Bank are even legit.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of all XXXX of my credit reports ( XXXX, XXXX, Experian ). I have noticed several inaccuracies on behalf of the credit bureaus. The reporting agencies ' information on my report is conflicting. The consumer reporting agencies have assumed a vital role under the law, Fair Credit Reporting Act 15 USC 1681 section 602 to make sure that my credit report is " FAIR '' and " ACCURATE '' and 'RESPECT FOR THE CONSUMERS RIGHTS, which they have violated by NOT doing. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have attached the account number in question and a photo of my credit report with multiple inaccuracies. Please investigate this matter. If accuracy can not be provided, I demand that this account be removed.
Product: Checking or savings account

XX/XX/2020 letter to CEO of USAA, mr. XXXX XXXX " I have been attempting to access my bank account at USAA since XX/XX/2020, but have been hampered by missing IDs, passwords, account # s and money.

It has taken me several weeks to finally obtain a hard-copy of my Texas ID with a current address ( & new Cell Phone # ) in order to verify my identity with USAA security. I respect the security  protocols by which USAA ultimately protects the security of all account holders, however lately I am encountering senseless roadblocks by USAA systems which preclude me from rightfully accessing my account ( s ). My immediate objective is to reset my online ID & password, and update my address & cell phone " No response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.
Product: Checking or savings account

Dear Consumer Fin

ancial Protection Bureau, I have been a banking customer of XXXX  ( BBVA USA ) for almost a month now. After updating our business address to one in which we are able to directly pick up the mail, I requested a business address change earlier this week and submitted our Lease Agreement with it. The business address change was denied by XXXX. I got in touch with our virtual office front desk about which document is the correct Lease Agreeme nt, and they sent me a more recent one. I entered another request for a business address change along with the Lease Agreement, and once again XXXX denied the
address update.

As the old address is neither a business/office location, nor is it being used for business, I would like to make sure that XXXX  is legally compliant and accurate with all federal laws, including Know Your Customer ( KYC ) laws.

Our business address on file needs to be updated so that we can receive important documents such as our welcome kit and also our business debit card.

We have still yet to receive either of these documents. As a result, I would like to report and file a complaint for XXXX  to make sure they are legally compliant. 

Best regards, XXXX XXXX XXXX