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

I am writing to formally express my outrage and frustration regarding the ongoing identity theft that has severely impacted my life. I have been a victim of identity theft since XXXX, and despite my relentless efforts to address this issue, my situation remains unresolved. Credit accounts have been fraudulently opened in my name, and my personal and financial information has been exploited without my consent. Since XX/XX/XXXX, I have filed reports with the major credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, with no meaningful resolution or support provided. Additionally, I have engaged in numerous disputes with the affected companies, as well as filed formal complaints with local law enforcement. After months of investigation, I was told to continue filing disputes with the credit bureaus, which I have already done, time and time again. The level of negligence, indifference, and lack of action on the part of the credit bureaus and the companies involved is completely unacceptable. I have invested an enormous amount of time and energy into this process, yet nothing has changed. I have been met with delays, dismissals, and outright incompetence at every turn. My financial reputation, creditworthiness, and personal peace of mind have been severely damaged, and I can no longer tolerate the ongoing failure to rectify this situation. As a result of this persistent lack of accountability and resolution, I have been forced to take legal action. I am now working with a law firm to pursue a formal lawsuit against the responsible parties for their negligence and failure to address this issue in a timely and responsible manner. This is my final step after exhausting all other avenues, and I expect immediate action from the relevant parties to remedy this situation before the matter proceeds to litigation. I demand that the fraudulent accounts in my name be removed immediately from my credit reports, and I request a full and thorough investigation into this matter with clear, documented updates. If this issue is not resolved promptly, I will not hesitate to pursue every legal option available to me. This is no longer a matter that I am willing to tolerate. I am prepared to take all necessary legal steps to hold the responsible parties accountable for the damage that has been caused to my financial security and well-being. I look forward to your immediate response and action on this matter.
Product: Debt collection

This debt resulted from an insurance policy with XXXX XXXX. I had a policy which I had to cancel, however at the time of cancellation, little or no outstanding balances were owed to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/year>
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to payoff my auto loan and so I called customer service. They told me that since the balance was over {$5000.00} that I could not pay it off. I asked for somebody else as that can not possibly be true then after getting a second representative they told me that they could not process payments of over {$5000.00} OVER THE PHONE. So I asked what my other options were given the " over the phone '' limitation. The rep then told me that I could make these payments via mobile banking or go into a branch. At that point I did not live in an area with physical branches as the closest branch to XXXX XXXX Ohio is over XXXX minutes each way so I logged into mobile banking and on XX/XX/XXXX setup a larger payment that got denied and put my account on hold as you can see from the attachment below. Immediately after getting this message I called customer service ( as shown in the below customer service attachment ) and spent about XXXX minutes bouncing around people explaining what happened when I finally got to somebody that seemed to understand the issue and was working on it. I was told that the hold would be removed from my account on XX/XX/XXXX or XXXX. Nothing happened so on XX/XX/XXXX I reached out through the chat feature in XXXX  Banking and that person told me that it would take until XXXX  XX/XX/XXXX and that I would get an email saying it was taken care of. It is now XX/XX/XXXX and I have tried XXXX different times to get an answer on what is holding this issue up and BMO keeps extending the deadline to which they will get me a response. I am completely 100 % unable to make payments on my loan and I am good for the month of XXXX but at this pace there are only a few more weeks before the XXXX payment is due and I do not want to be placed in default for an issue that BMO Harris has caused and I have done everything in my power to remedy the problem through normal channels.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Reasonably reinvestigate disputes made by consumers regarding the accuracy or completeness of information in consumer reports.
Product: Credit card or prepaid card

Thank you for submitting the requested documentation to verify information on your account. We are not able to complete our review at this point and further action is required of you. IMPORTANT : Your account will be closed on the previously communicated due date if you are unable to provide the requested, corrected documentation. 

While we received the documentation, certain aspects were either incomplete, illegible, or invalid. Below are common errors that can occur during the documentation submission process : Line 3 : Please review to ensure your current address has been accurately entered.

Line 4 : If you filed a tax return in the last 2 years with a different address than what is entered on Line 3, please fill in the previous address shown on that tax return. Otherwise, please leave this field blank. 


If you have any questions or require a new 4506-C form to be sent, please contact Discover Customer Protection Services at XXXX, or call the number on the back of your card. 

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services. 

THIS IS A RESPONSE I JUST RECEIVED FROM DISCOVER AGAIN. 
THREATENING TO CLOSE MY ACCOUNT. 

I FILLED OUT THE FORM. 

I HAVE BEEN ON XXXX SINCE XX/XX/2010 AND BECAUSE OF THAT HAVE NOT FILED TAXES SINCE I BELIEVE 2010 WHEN I GOT APOROVED FOR XXXX. 

I FILLED OUT THE FORM AND DISCOVER EMAILED ME THE ABOVE RESPONSE. 

PLEASE HELP ME RESOLVE THIS I HAVE SUBMITTED MORE THAN ENOUGH DOCUMENTATION TO PROVE MY IDENTITY. 

BUT IT SEEMS LIKE DISCOVER IS HELLBENT ON CLOSING MY ACCOUNT. MAKE STATEMENTS THAT SEEM A RATHER PECULIAR. 

FIRST STATING I HAVE NOT FILLED OUT THE REQUESTED FORM AS THEY ASKED. 

I UPLOADED THAT TO SHOW I DID. 
NOW TAKING THE STANCE THAT ITS INELIGIBLE INCOMPLETE OR INVALID I UPLOADED MY XXXX  FROM IRS WHICH ALSO PROVES MY IDENTITY ALSO UPLOADED THE NEW EIN NUMBER BECAUSE I SWITCHED TO XXXX  I HAVE REQUESTED DISCOVER CONTACTS ME THRU THIS AGENCY. 

SO NO MORE GAMES CAN BE PLAYED OR SO STATEMENTS OF NOT BEING FILLED OUT ETC CAN ALL BE UPLOADED HERE SO THIS CAN BE RESOLVED. 

I AM ALSO UPLOADING SOCIAL SECURITY BENEFIT STATEMENT
Product: Student loan

When I was with this Company back in XX/XX/2007, I asked them if their was any other programs out their that I could apply for due to the fact that I was just starting to work in a XXXX. Knowing this, the company not once offered me any choices knowing that their was one out their, called a low income based one. Meaning if i worked in a low income based XXXX for 10 years my loans would have been forgiven. I called this company that i'm currently with ( two years now ) and I've been with my current job now going on 10 years this XX/XX/XXXX my loans would be forgiven!! NOW i have to wait ANOTHER 8 years!! i asked the company when this program started, they said in XX/XX/2007. Which is when i started my current job that i have been with for almost 10 years now. When I asked the company if they can go back they said no sorry cant help you at all. Which people like me has to start ALL over. which that is ALOT of time lost and not fair what so ever. I have done my time and service. To tell me I have to start over, Their should be time knocked off and or my loans forgiven I have proof of the time that I have worked here at my XXXX and 10 years of taxes if needed.
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is a fraud and they steal customers money out of customers account bank account or debit card information. If the customers does not pay they threaten to take legal actions or garnishments on their accounts. The company will go in a customers account without their permission and steal money causing you fees over draft fees or you not to be able to pay other bills because they went in your account with out your permission
Product: Checking or savings account

On XX/XX/XXXX, my debit card inside my wallet alongside my phone was stolen at the gym when I went in for workouts. Since I had to be at work, I informed the manager of the gym to keep eyes on the camera. I later called the bank with a different phone, but because I could not speak with an agent to file a claim, I blocked the card. On Monday XX/XX/XXXX, I finally called the bank before I realized a transaction of {$2500.00} which I did not approve of. I filled a claim, and later on XX/XX/XXXX I was issued a credit for the amount. On XX/XX/XXXX, the credit put in my account, without no notification, or interest to inform me, my account was overdrawn because the credit issued to me earlier was reversed. After calling the Bank of America to find out what happened, the agent on a recorded line kept saying they would not disclose the reasons why. To my understanding about the Federal Trade Commission bureau says that no Bank institute is allowed to let a consumer pay more than {$50.00} of an unauthorized transaction which after settlement, the consumer maybe asked to pay fees. My case was different, not only that the bank at first found my claim to be true before changing their minds, they made me pay the {$2500.00} back. On XX/XX/XXXX, I delivered the Bank a letter of Demand, explaining to my own knowledge, stating that I did not authorize, or know of these said transactions. I reopened the claim on XX/XX/XXXX, but I waited for more than the time needed for the claim to be resolved. 
I am offended and I was treated like trash, like a thief for wanting my money back from the bank. I said so because, no valid reason was explained to me why the credit was reversed. I was only told that logically, I planned this. Sir, Bank fraud is no joke, credit score is no joke ; I would never plan to get money back from the bank through fraud, All I want is justice, and more proof and evidence to this false accusations from the bank. The bank was also very secretive on the investigation, not letting me know of anything to be specific. I was told by an agent on XX/XX/XXXX, Miss XXXX, that I would get my money back. Why would she say that if I was at the wrong? Later after waiting two weeks longer than the time required, I called again to persuade them. On XX/XX/XXXX, the final result was that No money paid. Why? I was not told, I called and called and called, but the agents will say, we can not say why. Please don't let the bank treat me this way ; I have XXXX XXXX XXXX  cases in my family, one being critical. I am begging that another institute look into this, the Bank refused me financial aid to help support my family because my account was on a negative ; even though it was a claim I filled. The Bank of America is a heartless bank that cares only about money, since I struggled on my own to pay them back, I want, my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern Request for Refund of XXXX Payment Sent in Error I am writing to bring to your attention a mistake regarding a XXXX payment I sent on XX/XX/year>. The payment of {$200.00} was not intended for XXXX, it was mistakenly sent. 

The transaction details are as follows : Date : XX/XX/year> Amount : XXXX Recipient Email/Phone : XXXX Reference/Transaction ID : XXXX I have already contacted my bank/XXXX  support team regarding this issue, and they have advised me to reach out to the recipient directly. I would greatly appreciate your cooperation in resolving this matter as soon as possible. 

If you require any additional information or documentation to process my request, please let me know.Thank you for your understanding and prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Chase-my account has checking and credit card. Checking was closed with no reason. They said it was negative and cant be negative more than 60 days and my account had no movement for months. But I had my direct deposit coming in every 15 days. So I asked them Id like to pay for the negative amount that I owe you so I can have access to my statement. They said the amount was XXXX now because the couple of direct deposit bring them to positive so they closed it. Until now I sincerely dont understand why did they close my account and never give me a statements. For chase sapphire credit card - I just closed it this year XXXX. I missed a few payment so my credit score went bad and credit card was closed since XXXX kept account open to pay the debt and interests. I asked them about the coronavirus fee relief and I never be able to waive a single cent. I paid off my credit card with interest and fee. Same issues occurred but this time my login was block I couldnt log in to my account. Call them to be ask for full credit card info that I was closed in XXXX or account number that I had only last 4 digits. I try to get my information to be told that my account was locked due to fraud transactions. What? My credit card was closed by chase, I only paid during the time after it was closed. I couldnt use any credit on that card even if I paid off. Now my accounts was ban from fraud transactions. Need full credit card numbers of over two years ago card, full acc number when I have left was last 4 digits of my account number on my email, ssn is not allowed to be used for searching at the time. Statements will be paper released only if I provided 16 digits number card or account. Chase what are you afraid of? Or hiding? The number never lie, I paid off by sending fund from another account. The day I asked you to waive late fee because I was short about {$10.00} from over {$200.00} minimum payment. Your customer service said only {$10.00} I should have no problem. She did great though to remind me {$10.00} was lower than my minimum wage for an hour and I would definitely be charged if I failed. I dont know how to say it so I hang up. Just want to explain I was laid off suddenly late XXXX, XXXX payroll records. All my last paycheck was used to paid credit card XXXX XXXX, XXXX, and chase credit account. I can borrow from friends and family but I did that before and not really proud of it. Charge me if you think it is necessary it is just gon na take me a day longer to pay you off. Never claimed unemployment nor plan to claim it. That was the message I want to tell her.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter I sent to " Clarity Services '' Clarity Services, Inc. 
XXXX. XXXX XXXX XXXX, FL XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " Clarity Services '' never responded or complied with my request. I will send them the letter again via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish for these unknown inquiries to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects an account " Continental Finance '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with XXXX and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). XXXX " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from Continental Finance and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.
Product: Money transfer, virtual currency, or money service

My checking account was robbed of almost {$500.00} thru a money transfer app called Zelle. Someone accessed Zelle through my bank account and created numerous false contacts in several different names and transfered money out in small amounts to a large group of people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy. 
.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is Equifax allowed to automatically opt the whole American population into junk products like " The Work Number ''? I have never signed up for this service, and their stated argument that consumers benefit from such a service is bunk, given that every time I have applied for a loan the lender still requests copies of my pay stubs. My pay information should be between myself and my employer, Equifax should have no information to that effect. They have already proven themselves to be untrustworthy conservators of our data, given the debacle in 2017 where they exposed the personal information of more than half of the adult American population. I understand the need for credit reporting services, but we should not automatically be enrolled in every garbage product some twit at Equifax comes up with. I don't want Equifax retaining the data my employer provides them with, and given their track record, I want them to have as little information about me as humanly possible. They should provide an opt-out mechanism for their XXXX XXXX product, but unfortunately the best they provide is the ability to freeze the report which in my opinion is not good enough. If banks/employers/whomever wish to see my paystubs, they should ( and still do as mentioned above ) request them of me, not of Equifax.