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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.

XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I opened a US Bank account around 2 and a half years ago. Earlier this week, I received a letter from them stating that they believed the account to be fraudulently opened, and requesting proof of identity, as well as some other information. The proof of identity I can understand, as asking for photo id and social security card is pretty standard. However, they are also asking for 2 years of my tax returns and 2 months of bank statements. This is the kind of information that is normally asked for when applying for a personal or home loan, not a personal credit line. 

When I called and asked them what evidence they had of fraud, they informed me that it was an internal matter that they could not discuss with me, and provided me no evidence as a result. The account has been open for multiple years, is paid and in good standing, including a balance transfer that was paid off, so I don't know what would prompt them to send me this letter. If someone was committing fraud, I would assume that they would take the money and not pay the account. Since they won't share with me what prompted this, I can only assume that they are demanding financial information from me in an attempt to qualify me for other bank products that they have, or to resell this information. 

I would like you to please find out on my behalf what actual evidence they have of fraud. Please note that I am fully willing to provide proof of my identity in the form of my ID and social security card, but I refuse to give them financial records of the nature that they are requesting when they wouldn't request the same from a new customer, and when no other credit card company I do business with has ever asked for such either. This seems like harassment to get access to information by threatening to close the account.
Product: Payday loan

My loan was sent to collections without my knowledge. Has charged additional fees
Product: Debt collection

This is the 3rd collection agency supposedly collecting a debt for XXXX. 
The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. 
If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. 
Are collection agencies above the law?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to TXXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See letter attached for my accurate personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$760.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I have a collection that is not mine and duplicate credit card account reporting i sent 2 letters showing that it is an error yet still came back as verified which is definitely false information
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX 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

repeated calling and emailing for debt collection without disclosing the issue.
Product: Checking or savings account

I would appreciate for my bank Wells Fargo to refund me a payment I made in the the Wells Fargo app via XXXX. This is advertised as if its a secure payment system and its not. I was scammed out of {$120.00} dollars on XX/XX/2020 by another XXXX customer named XXXX XXXX and they are refusing to give me my money back for the goods I didnt receive.
Product: Debt collection

i recently discovered that i was a victim of identity theft, one of the accounts that was opened under my name was with XXXX XXXX XXXX XXXX, since i was not aware of this account, it got charged off and eventually was sent to collection with COACHELLA VAL COL SV. I contacted credit bureaus and told them about my identity theft and was instructed to file a police report and an identity theft report on identity.gov.and was sent to credit bureaus and nothing happened which brought me here.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a negative/inaccurate account and I am requesting the removal of this account from my credit report.
Product: Debt collection

JC Penney/GE Credit incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to GE by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and JC Penney/GE sold it to a credit collector. Upon notice from credit collector, I called JC Penney, and spoke to XXXX XXXX, their Repr., XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that GE for JC Penney has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from GE representative verifying this, along with documentation and communication, over the last 3 years, with JC Penney/GE, credit bureaus and collection agency to no avail so far in correcting GE/JC Penney 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 person knows or has reasonable cause to believe that the information is inaccurate
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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}
Product: Money transfer, virtual currency, or money service

Coinbase!!! On XX/XX/2020 around XXXX XXXX my phone service has been turned off and come to find out someone ported my phone number from XXXX XXXX XXXX to a XXXX  number in Ohio at a third-party store. Once they were able to do that they gain access to my Coinbase account and wiped it out. Changed all my passwords to emails, XXXX XXXX XXXX and other. I tried to contact Coinbase and havent been able to get access to my account since. We have communicated via email but Im sure it is with a automated system. I cant log back in and I wanted to know why it was so easy for someone to change my password without my my 12 word phrase. Or showing ID. I recently talk to my lawyer and he told me this was the best way to go about getting some info. I guess no one really knows the policies on cryptos yet, I was told Coinbase was regulate it and I may be able to get my cryptos back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You
Product: Credit card or prepaid card

XX/XX/2020 i recieced a Brinks Money, Mastercard with my name on it in the mail. I never applied for this. I called to ask if this was the prepaid card i was supposed to recieve for my recent XXXX, XXXX Benifits, and I could not reach a customer service person. I dont know why I have recieved this and I cant reach anyone at the company.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts on my report that were not verified properly.
Product: Credit card

On XX/XX/2022, my XXXX account was compromised which had my Citi Double Cash card linked to it, the account was used to purchase some odd item with that card which amounted to XXXX. I immediately, within seconds, requested to cancel the order with XXXX and notified Citi of the problem. Citi thanked me for informing them and requested I wait to see if XXXX will cancel the order, and if not they will proceed with reversing the transaction. It seems at this point Citi opened a dispute and closed it marking it consumer responsibility as XXXX was supposed to handle it. To my misfortune and after many different attempts trying to get his resolved over a few months, XXXX could not cancel the order since the item bought was sold by a third party seller, of which they contacted the seller requesting a cancellation to no avail. I asked them how I'm supposed to get my money back if they can not refund it. The representative of XXXX told me to dispute it with Citi, as they have no way to refund the money to me. I took and have screenshots of this conversation. I went on to call back Citi, informing them of what happened with XXXX. The Citi representative asked me to send the screenshots to XXXX, and told me upon review of the screenshots a refund will be issued. This was in XXXX of 2022. I called back a couple months later as I did not see a refund, and to my surprise there was no notes or information about my prior call and none of the information was reviewed. I reexplained what happened, told them what XXXX said, told them what the last citi representative said, and they assured me it will be reinvestigated and I will be kept informed. Again, a couple months go by and nothing. I call back, again, and ask about any update. Lo and behold, there was no notes or information about that call either. At this point I'm quite upset, so I demand to speak with a manager, and after practically begging to speak with one I get connected to one after some time. I reexplain everything again, what XXXX said, what the first representative said, what the last representative said, my frustration with being deceived and delivered false promises, etc... The manager sympathizes with me, apologizes, and assures me the case will be reinvestigated. I thank them and hang up. This was probably in XXXX of this year, I cant quite recall. I waited a couple weeks, didn't hear back, didn't see a refund or update in my Citi app, so at that point I was done. Their fraud department is so frustrating to contact so I simply did not have the energy to continue fighting this battle. To this day theres no followup. 

FYI, the card number inputted on a later page in this complaint was an older card that has since been updated, i.e a new card number was issued. The number inputted was the number that was compromised.
Product: Debt collection

The collection agency NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX I am unaware of this debt. This was place on my credit report for & XXXX on XXXX I have dispute this with my credit bureaus. No additional info has been provided to me. The account has not been verified as my debt. No one has provided me with the agreement with my signature on it.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entities.
Product: Checking or savings account

Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, XXXX XXXX
Product: Debt collection

I forgot to pay my HOA dues ( {$150.00} ) I thought I had, but apparently I did not, the HOA admin site was not user friendly. I guess that is why they just dropped them and we have a new HOA admin company starting in XXXX. 

I received a letter in the mail notifying me that it had been sent to collections. 
But somehow the debt ballooned from {$150.00} to {$900.00} due to various fees and costs such as " Initial letter '' for {$130.00}. 

I understand that I owe the {$150.00}, plus interest which they list as {$5.00}. I have no problem paying that. However the excess fees seem like a way to extort extra money while they threated me with a lien. 

I also don't know what that means if they file a lien against my house. They provided no explanation of what that means, but I don't know if they owe that to me or not. 

The fees being approximately 500 % of the debt is not right.
Product: Credit reporting or other personal consumer reports

I have contacted all 3 bureaus and informed them all that 1. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a 1099 for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
2 XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
3. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person..