23daVinci/CFPB_Complaints huggingface dataset:
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 itemsin 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/block 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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The date of default does not match up with the records I Have. And they will not correct the information
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 : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts on my credit report with Experian : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX However, instead of investigating and deleting these false disputed accounts, on XX/XX/2020 XXXX refused to investigate and frivolously alleged that I somehow DID NOT AUTHRIZE MY OWN COMPLAINT without any explanation as to how they arrived to this conclusion.I also note that I have provided all my ID information as required by CFPB : full name, date of birth, last 4 digits of social. 

Please investigate and delete these false accounts asap.
Product: Checking or savings account

Chime close account after receiving deposit and can't see my credit card account once the closed my online account but I received emailed saying my statements are available.
Product: Mortgage

I had a mortgage with Well Fargo in XXXX  and ask for a loan modification and didnt realize XXXX. My home went into foreclosure. XXXX checking to see if I was XXXX of Wells Fargo customers who gets a settlement. My address have change I now live in Virginia. My new address is XXXX XXXX XXXX XXXX XXXX Virginia XXXX. My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

I had XXXX insurance at the time I went to XXXX. I paid my {$10.00} deductible. No XXXX   work was done at all. The bill would have been turned over to my XXXX insurance carrier. That is the XXXX office job to get that done. I have sent numerous letters, copies of the bills. XXXX XXXX  has a history of doing this to people. Their is a trail of same thing over and over. Please see this gets removed from my credit report and a letter sent to me it has been cleared. Thanks.

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/2019 {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX CONTACT INFO RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As I was reading through my Clairty consumer report I seen a total of 8unauthorized inquires that I did not get no benefit from, nor do I have an account with. I never gave none of these companies permission to check my credit report and report this in my consumer report, nor I did give Clarity services authorization to give these companies a copy of my report, Clairty services never informed me they received any request that never gave me a decision if I wanted these companies to have a copy of my report. The fact that these companies checked my consumer report and put information inside my report without my consent is indeed identity theft.
Product: Debt collection

I had to have auto repairs and I have done this before. It was known that I have 15 days to make payment and I 'm not even 15 days yet. They call me at least 5 times a day, now they contact me email and my job. This happens frequently, and it is a used car but repairs have officially be completely done. It makes you not even want to make the payment. They call and have attitudes when you ask for extension. It is getting out of hand.
Product: Credit reporting or other personal consumer reports

After an ongoing battle with this company, I decided to settle and paid the payoff amount in full. Everything went fine and they reported That the account has been settled with a XXXX balance and the account was closed, but then the following month they reported that the account was back open and delinquent again with a full balance as if I never paid anything. There is no doubt in my mind that this was retaliatory because of our history. When I called them to find out why They change the status they could not give me a straight answer. I have documentation stating that I paid it off in full and also have the title.
Product: Credit reporting

Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, U S dept of ED/XXXX  # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I spoke with XXXX XXXX XXXX ) XXXX XXXX ID XXXX at USAA to start a VA XXXX XXXX  for a property in Maine. We described the situation and he said it should not be a problem. The situation being that my father in law had passed away, my husband would stay in Maryland and work while my children and myself move up to Maine to take care of my mother in law. We made an offer on a house, it was accepted and the loan went into underwriting. At which time I received a call from XXXX XXXX on XX/XX/XXXX explaining to me that the USAA underwriter was denying my loan because my husband would live and work out of state. We clarified with XXXX XXXX XXXX from the VA XXXX XXXX  Department that we could live apart, my husband can work in Maryland and still use his income to qualify for the loan. We proceeded with another lender we had been pre-approved with, XXXX XXXX, who stated they did not have the same stipulation as USAA for a VA XXXX. On XX/XX/2022 XXXX XXXX XXXX ID XXXX at USAA told the seller we were not moving forward. I am not 100 % how the employee gets to tell a seller we are not moving forward with the loan, this is a privacy act issue, or even the purchase of the house which is not the case at all. Today after opening a complaint with USAA they sent an email XXXX to inform us that they were declining the loan due to debt to income ratio which comes across as retaliatory in nature. I called to clarify with XXXX XXXX XXXX # XXXX in USAA 's XXXX Department and confirmed they did not actually include my husband 's income in our loan. It seems that USAA has a private policy that will not let them use his income as part of our income for the purchase of the loan. This in my opinion should have been told to us at the beginning during our preapproval process.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX XXXX : {XXXX XXXX XXXX XXXX Has taken my credit score below average and affecting a lot.
Product: Credit card

Description of the Issue : On XX/XX/year>, I lost my American Express card while traveling abroad. I immediately reported the card as lost on XX/XX/year>, at approximately XXXXXXXX XXXX  XXXX time. I was told by an American Express representative that my account would undergo identity verification and that my report would be handled. 

However, after I reported the card lost, unauthorized charges were made to my account totaling {$6100.00}. These charges occurred after I had reported the card lost, and I did not authorize them. I contacted American Express multiple times regarding these unauthorized charges, and each time I was reassured that the issue was being taken care of. I was told that my report had been properly noted and investigated. 

Despite my repeated follow-ups, I later learned that the report I made on the XXXX was never recorded in their system. American Express told me that the representative I spoke with did not leave any notes after our call. This was a clear failure in their customer service and record-keeping. 

Additionally, when I requested proof of how these charges were authorized, such as transaction details ( location, time stamps, IP addresses ) and any proof that I had personally authorized these charges, I was only provided with vague notes without any concrete evidence supporting their claim that the charges were legitimate. 

Amex claims that these charges are valid and refuses to reverse them, despite the clear evidence that I did not authorize these transactions. I feel that my case has not been handled properly, and I am seeking a full investigation into these fraudulent charges and a reversal of the {$6100.00} charged to my account.
Product: Checking or savings account

Date restricted : XX/XX/XXXX Been a member since : XXXX Why was the account restricted : XXXX payments reported as fraud. 

XXXX in customer protection and resolution At capital one spoke with me and told me capital one is accusing me for doing fraud. 
Through XXXX
Product: Checking or savings account

I made an in-store purchase at XXXX. Klarna was chosen at checkout as my preferred form of payment. I was provided a digital Klarna visa card which I used to purchase my items in the amount of {$310.00}. A week later, I returned the item to XXXX. The systems between XXXX and Klarna did not sign the refund. Klarna is still trying to charge me for a purchase that was returned. I did not find this out until almost XXXX  months after the return had been made. XXXX is requesting the digital Klarna card, Visa numbers so that they can process a refund. Klarna is unable to provide me with these numbers. He said it is something that they are not authorized to see as theres a XXXX time visa card. I do not understand how a company is providing payment options but they do not have the information that the payment was made on. Because XXXX unable to issue the refund without the information, Klarna is continuing to charge me. I have submitted multiple claims with Klarna spoke to multiple representatives where they said, there is no one in claims that I can actually speak to. There is no one who is a supervisor that I can speak to there is pretty much no one can speak to that has any type of authorization to do anything to resolve this issue. Continue to send me a message from claims requesting information such as the delivery date that my items were delivered and screenshots of my online order. I reiterated multiple times that this was an in-store order. They offer in-store Klarna Visa cards to use at the register, but yet they close my claim stating I am not providing them with the online information so my claim is denied. Ive been going in circles with this company who seems like a complete scam stealing, peoples money and charging them when they can not provide the information required for payment. Klarna will not steal anymore of my money.
Product: Credit card or prepaid card

Starting on XX/XX/2021, A subscription company tried to charge my Robinhood debit card. And the charge was rightfully declined because funds were not available in my account. They company attempted to bill my card 12 times between XX/XX/XXXX, and XX/XX/XXXX and were declined. On XX/XX/2021 this charge was submitted again, and the charge was paid putting my account into overdraft. 

Then on XX/XX/2021, Robinhood liquidated the two shares of XXXX in my account to cover my " margin ''. 

It clearly states on the Robinhood website in the support help center that the Robinhood debit card prevents overdrafts by default. They further explain the few exceptions such as gas stations, restaurants, and hotels, in which the final charge may be more than a preauthorized charge and can send an account into overdraft/margin. A preauthorization charge should not be the case here as the business charging my Robinhood debit card isn't one of the exception type businesses. 

I have been in contact with Robinhood support several times via email and XXXX to try and resolve this. Robinhood refuses or can not explain why the charge was allowed to proceed the final time. I have simply asked them to replace the two shares of XXXX and the {$1.00} I had in the account at the time Robinhood confiscated my assets. They simply refuse to return my assets and won't explain why they allowed the charge go through even after being declined 12 times previously. 

My final hope is that I can get this issue resolved through CFPB.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On, 15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Names : XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized RESIDENT VERIFY Inquiry was not authorized XXXX XXXX XXXX was not authorized XXXX XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AL XXXX The follwoing personal information is incorrect XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AL XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

I've never had an account with this company or Capital One who they're holding debt for.
Product: Mortgage

In XX/XX/2019 we received our monthly mortgage statement and the payment had been increased by {$600.00} per month. When we called, we learned that the escrow had a shortfall situation. Upon further research, it was determined that the taxes had not been addressed appropriately when the mortgage was done due to our home being new construction in a neighborhood. We also learned that this mortgage underwent several checkpoints in which no one caught this mistake on our estimated taxes. Therefore, Wells Fargo both needed to recoup their loss and then make up the amount that needed to be added back to the escrow. 

We had a baby on XX/XX/2019. So my wife was on unpaid leave to top this situation off. When we called Wells Fargo, we were told that they would not help us and that they also would not waive any late fees. We have struggled to make these payments and it's put us nearly into financial ruin. We had to use the funds we saved to pay the medical costs from having a baby in order to keep our home. So now we are in collections for those. The late fees on our mortgage continue to pile up and we stress every month because we don't know if we can make the payment before our credit is affected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$2500.00} was transferred from my bank to Google Pay to be used to buy a car. Google refuses to give me my money, Shortly after that transaction I closed my account with that online bank and opened another account with a different bank. Google keeps saying I have to reinstate my old bank account, but I cant its been closed.. I had the bank send me a letter stating this and I forwarded to google. They still insist that I re open the account. They also claim they can not verify who I am, thats a bunch of XXXX, I have sent them copies of my drivers lic along with my social security card several times and it has done no good.. How can a company this large just steal peoples money? I wont give up that is a lot of money to me and it caused me to loose another {$2000.00} I had put down as a down payment on a car. If you cant help me Ill be forced to hire an attorney and sue for 3 times the amount to cover my losses. 

Thank You PS : I send them a letter almost every week and i get the same answers