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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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: Debt collection

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Chrysler Capital on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to XXXX and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that Chrysler Capital does not have interest in addressing the XXXX late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX Police Detective. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Checking or savings account

On XX/XX/XXXX, I received a text message alerting me to a fraudulent charge on my account. I called the bank nd spoke with a customer service representative who cancelled my debit card but said that they could not cancel the charge. The fraudulent charge was XXXX to XXXX- I do not have XXXX. I went to my local branch the next day where they issued me a new debit card and told me that because the charges were " pending '', they couldn't do anything to stop the payment from coming through and that I would have to wait for the charges to clear my account before they could even take a claim for the fraudulent charge. It took until XX/XX/XXXX for the charges to clear my account and then they would issue a " credit '' to my account for the amount in question, during which the bank charged me an overdraft fee - granted, they did credit the {$35.00} back to me, but I shouldn't have been charged any overdraft fees to begin with as I had already verified that the {$490.00} was a fraudulent charge. Today, XX/XX/XXXX, I went back to my local branch and they said that they would file the claim and then proceeded to tell me that I would receive a credit to my account within 5-7 business days for the {$490.00} - so they let someone steal 95 % of my paycheck and allowed my account to go into the negative despite my requests for service AND I still don't have MY money - money that I earned and that they were supposed to keep safe. I am not asking for anything but the money that I earned.
Product: Mortgage

To whom it may concern : I have tried now for almost 3 months to receive a call back from my account manager XXXX XXXX Phone Number : XXXX Ext. XXXX To discuss the error billing on my account.They continue to change my payment amount from {$1800.00} to {$2200.00} Ive advised its not correct to no avail, that was my payment prior to my loan transfer..I was behind on my mortgage from XX/XX/2021 to XX/XX/2021 for a total of {$7500.00} Ive made a total of 4 payments for {$1800.00} x 4 = XXXX, XXXX I can supply proof if needed from bank statement. 

They continue to insist that Im paying the wrong amount so Im tact Im no longer behind Im only due for my XX/XX/2021 payment.. 

This company is very difficult to deal with and no one unfortunately has a the skills to help properly..Its a simple math! I am desperate for help as this is a serious situation & I cant seem to get help.. 
Thank
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$9800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$130.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$460.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE $ XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$9700.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$690.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Product: Credit card

Over the past two years, I have incurred five overdraft fees with Citibank, despite having sufficient funds in my account for several days following my payment submission. Citibank failed to pull the funds promptly. I consistently pay my credit card in full and on time from my XXXX XXXX checking account, and XXXX XXXX has confirmed that the timing between my payment confirmation and when they receive Citibank 's request for payment is sufficiently delayed. 

I intentionally keep minimal funds in my checking account, opting instead to maintain higher balances in savings to earn interest. I wrongly assumed that Citibank would pull payments promptly, so after a few business days, I moved funds back to savings, assuming the payment had already cleared. However, Citibank often attempts to pull the funds the following day, by which time theyve been moved back to savings. 

Ive contacted multiple Citibank representatives and provided evidence of my account balance at the time of each payment to have these charges reversed, but my efforts have been unsuccessful. I recently learned of XXXXs lawsuit for similar practices and that Citibank had committed to ending this practice in 2022. 

I am happy to provide evidence of my checking account balance and payment confirmations upon request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX and the company has provided false information to XXXX  stating I have an existing obligation to them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX$990.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went to Wells Fargo bank branch this morning located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had an appointment at XXXXXXXX XXXX and came with my attorney XXXX XXXX. We presented the Letters of Administration with the death certificate for my late husband and wished to retrieve the funds in his savings and checking account. I am appointed Personal Representative of his small estate. The funds are less than XXXX. The representative asked me for identification and I presented my Maryland State ID, which expired in XX/XX/2021. The rep said she could not continue since my ID was expired. My attorney asked to speak with her manager because I had other forms of ID. The client manager appeared and said she could ask the legal department on the phone if there was something else that could be done. I am XXXX years old, hard of XXXX, and I have XXXX issues. This is one reason why I needed an attorney to assist me. But the client manager said she could not do anything until I got a current state ID. It is not easy for me to get around. I have an aid who helps me. I do not drive and I do not have email. My attorney requested that an escalated complaint be filed and the client manager filed one. She would not provide my attorney with a printout or a copy of the complaint but gave her a number : complaint ID XXXX -- XXXX. When she asked me how I would like to be contacted, my attorney told her to contact her but the manager said they could not since my attorney is not the PR. My attorney explained that she is my voice and my advocate. My attorney offered to write an affidavit to confirm I am who I say I am but the bank would not accept it. I am requesting that Wells Fargo close my late husbands checking and savings accounts and issue a check to me according to the laws in Maryland. You can contact my attorney for additional information and documentation. Her phone number is XXXX XXXX XXXX and her XXXX is XXXX. Thank you.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Experian has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.
Product: Credit reporting or other personal consumer reports

In XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.
Product: Credit card

I was charge a late fee for no payment. Which was confusing to me since I have a zero APR introduction for a year. The customer service person said it was a late fee for not payment. I asked how was that different from interest charge to which I didnt get an answer other than that is different and was referred to the card agreement. 

This is misleading and shady practice by Amex. They are charging late fees for no payment, they can call it something else. Greedy companies business as usual. 

They charge me {$29.00} dollars on XXXX XXXX. 
They took no actions and charged stayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. I have a charge on my credit from PHOENIX FINANCIAL SERVICES that I do not recognize.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to inform CFPB that I place a security freeze on my credit file on XXXX XXXX, 2017. It gave me a ten digit pin in case I wanted to remove the freeze. I called Equifax today to remove the freeze. Because every since the Equifax breach my credit file has been crazy. I thought that by me putting a freeze on my file, everything would be ok. But it has not. I asked for the freeze to be removed by Equifax freeze department. And the rude service man stated, I never had a freeze. I said, how could that have happened when I have the paper in front of me? He had no words. How can I trust to have something done and get confirmation. Just to learn it was never done.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Product: Credit reporting

I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report twice already but up to now, the accounts are still on my report which is barring me from having a decent credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE denied me credit. On XX/XX/XXXX CAPITAL ONE stated the reason for their decision was : Based on your application information, application submitted is incomplete or can not be verified. On XX/XX/XXXX CAPITAL ONE stated the reason why they couldnt match me with an offer because : income is insufficient for amount of credit requested. Credit is a right, not a privilege. Pursuant to 15 USC 1602 ( g ) and 15 USC 1635, I have a right to extend and rescind credit. Also, pursuant to 15 USC 1691-Scope of Prohibition ( a ) Activities constituting discrimination : it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. If I exercise ANY RIGHT, CAPITAL ONE is not allowed to deny me for credit. Credit means the right granted. Pursuant to 15 USC 1602 -Definitions and rules of construction CAPITAL ONE has to be granted permission from the ORIGINAL creditor ( which is me- the original creditor, natural person, organization, consumer, creditor, and person ). On XX/XX/XXXX CAPITAL ONE left an inquiry on my consumer reports. That is a violation of the FCRA. I did not give CAPITAL ONE permission to check my consumer reports nor did I initiate any transaction with CAPITAL ONE.