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

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX First opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened at I XXXX Systemsopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a coov of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( XXXX ) and # XXXX ( XXXX ) as proof from the XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

CREDIT MANAGEMENT , XXXX XXXXXXXX This account wasn't removed/deleted from my credit file even after I made the payment in full to the original creditor. The cable company had verified that the equipment was in fact returned yet never was credited to the account. I do not have any contractual agreements with CREDIT MANAGEMENT XXXX. This account is showing as a PAID collection when it should not be showing at all. I respectfully demand that this item be removed from my credit reports from all three credit bureaus.
Product: Debt collection

XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited XXXX} cash at my local XXXX. I immediately attempted to pay phone bill but it was declined twice, tried to cash out money it was declined. I contacted support and was told they were declined for my protection and there seemed to be some unusual activity on my account. Told that I was no longer able to use my cash card but could still cash out or send to someone else. Explained I was not able to do either. I was first told that my bank was declining the cash out saying that my bank had cash app blocked. I called bank and was told there was no block and that they could not see where anything had been declined on there part. Contacted support with this information and was told that they no longer accepted my debit card as a means of funding my account. I stressed that I was not funding rather trying to withdraw my money. I even changed. Cards but still could not cash out. Explained that when I tried sending to someone else it said I did not have enough to complete transaction. But I did. Immediately was told that they were sending to the specialty team and someone would be in touch. I have not heard from anyone yet. I have reached out multiple times and received no answers and no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST SAW NEW ACCOUNTS REPORTING ON MY CREDIT FILE THAT I BELIEVE ARE LINKED TO MY IDENTITY THEFT CASE.
Product: Credit reporting or other personal consumer reports

It is more than 3 weeks passed, I have informed 3 credit bureau ( by electronically, phone and postal ) regarding fraudulent charges and unauthorized transaction in my credit. I have filed it online with relevant documents. I have provided relevant document in support of my evidence. But it is unfortunate, being a guardian of the citizen and netizens of a 1st world civilized country how that has been taking so long and remain unresolved. Is it just because I am a non-native person and not an American citizen. Does not it talk about the equal opportunity and against all sorts of racism. 
I was out of a country for 10 years and after I have return to USA, I have found someone made unauthorized transaction with some credit card which I am completely unaware of. Is that the way they treat and welcome the immigrant with so much hate and discrimination? I am appalled and dishearten to witness that type of severity and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

So, I request credit Bureau to remove the flag of charge off against my credit report that is completely illicit, unauthorized, and happened without my knowledge, and permission. As a guardian of the citizen and their well wisher credit Bureau will understand the fact and situation of the matter and assist the victim to get rid of the false charges. 

I have also called the chase credit card/charge off department. They were extremely rude, misbehaving and non-cooperative in a distasteful manner. None of them helped me to resolve the matter. I have also informed the federal trade commission as well. 

Being helpless, victim of a fraudulent dispute, loner in a country of justice and democracy, I have to seek your help to kindly assist me to resolve my matter and give justice to a netizen/citizen being a guardian of the customer and country. 

Looking forward for your co-operation and justice Thanks Sincerely XXXX XXXX
Product: Credit card or prepaid card

Credit card company XXXX ( Bank of America ) sold my account to another company ( XXXX ) but XXXX never closed the account. I'm paying XXXX and XXXX monthly for same account. 

XXXX and XXXX member number are the same # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX XXXX XXXX expiration date XX/XX/XXXX ( XXXX ) -XXXX-XXXX I've been calling and dealing with this for a year and I'm paying XXXX   {$50.00} a month and XXXX {$97.00} a month. This is a financial hardship for me, the money is being taking out of my account and no one is helping me. I've called XXXX who sold my account and no one can tell me why they are still taking money from my account. I'm retired and going through financial hardship and in desperate need of help. Both accounts are closed.
Product: Prepaid card

I just want my money sent to me via check like the letter that came with the prepaid card said I could but the URL is broken and they do not allowing registration because of technical problems. Calling the number trying to talk to someone just leads to a dead line.
Product: Credit card

I made a {$1000.00} deposit toward balance on my citicards credit card via Citibank ATM at the Citibank branch located in XXXX XXXX in XXXX XXXX XX/XX/year>. The ATM took the cash in and displayed a message of some error, and did not provide a deposit slip/confirmation. 
I immediately reported the problem to the branch manager who rejected to deal with it. I then proceeded by contacting the citicards customer service representatives and reported the problem. I keep contacting the citicards customer service every few days till today, XX/XX/year> only to learn that Citicards has refused to confirm the fact that I made the subject payment via their ATM. The citi 's customer service personnel was not capable to explain the reason for that decision. That's where I reliazed that I need some higher authorities for helping me with resolving the subject matter. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian, XXXX and XXXX are all collectively consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 which clearly states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 6801 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the financial institutions and the consumer reporting agencies Experian, XXXX And XXXX do not have my consent to furnish this information and they surely do not have my written consent. This is notice that any and all consent to Experian, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, & XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise the NONDISCLOSURE option. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. These accounts are adverse items they are reporting again, without my permission which is against the law. 15 USC U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 USC 1681 e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I AM OPTING OUT OF YOUR REPORTING SERVICES IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered late payments listed. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I am kindly requesting your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX ACCOUNTS : I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : XXXX XXXX XXXX XX/XX/2013 {$850.00}
Product: Debt collection

Spire Recovery Solutions has contacted three of my family members as well as my job about an alleged debt. I have asked them to stop and have sent a cease and desist letter in the mail, and they continue to call. The latest call came on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Product: Vehicle loan or lease

Car was totaled on XX/XX/22 and my insurance company payed CarMax off but before they paid them off the insurance company gave CarMax a check that was to much cancelled the check in XXXX and wrote a new check in XXXX CarMax don't like the new amount which was what I pay for the vehicle in XXXX so CarMax got the money from my insurance company XXXX XXXX and still billed me for the money they wanted from the first check and I don't believe that is right now I owe CarMax XXXX
Product: Mortgage

On XXXX XXXX Wells Fargo Home Mortgage sent a response back to Case Number XXXX. 

My complaints/issues are : Wrongful Loan Modification Wrongful Foreclosure Request For Restitution CFPB Settlement What I want to know is was I wrongfully denied or wrongfully removed from payment assistance on 5 occasions?, if so, on what dates were these 5 occasions, please specify with a dated copy of these letters.
Product: Credit card or prepaid card

Credit Karma website suggested applying for credit with excellent and above advances to obtaining credit. Par their suggestions I applied for credit and was denied for two suggested credit beyond excellent. 

Denied with XXXX XXXX, and XXXX. When I called them and both companies, it was stated that both companies do not have contact or any working relationship with Credit Karma who is advertising their cards on their website. I told them it is not fair it a fair practice to lie or mislead persons into applying for credit and costing us credit points. 

I also told them they should put up disclaimers to warn customers not to apply in that this could affect their credit and a warning that they do not have the authority to make suggested marketing seeing as they do not and can not make professional recommendations that credit will be granted. 

They should not be using subliminal suggestions via website and the companies do not support their suggestive recommendations.
Product: Credit reporting or other personal consumer reports

I'm writing this complaint again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/year>XXXX  and made it clear which accounts were fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX  Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681 c. ( 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.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

The charges below are a result of fraud on my BARCLAYS MASTERCARD. I have disputed these charges. MASTERCARD IS REFUSING TO HONOR THEIR ZERO FRAUD LIABILITY. CONTACT NUMBER XXXX I do not live in a state with the merchants listed below. I am asking for BARCLAYS MASTERCARD to honor the ZERO FRAUD LIABILITY and I dispute this charges as fraud XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$180.00} XXXX # XXXX XX/XX/year> - {$180.00} XXXX XXXX  # XXXX XX/XX/year> - {$1300.00} XXXX # XXXX
Product: Mortgage

We started a loan modification XX/XX/XXXX. The person helping us is XXXX XXXX from Bayview which I think is a collection agency. First, I have submitted the documents 3 times and have been given 3 different reasons why My documents have not been reviewed and I missed the deadline and had to resubmit. I was never called about missing documents and every time I called XXXX XXXX he would say they were working on it and call back in a week. He also told me I had to be 4 months behind before I could apply which I was not comfortable with. Another collector called me in XX/XX/XXXX asking for a payment and I made a payment. Me XXXX said since I made a payment I had to wait another month which meant a total resubmit of all documents. I told him I was in fear of losing my Home he assured me that would not happen. I wanted to just forget about the modification and ask him how I could catch up. He told me I had to pay {$4500.00} them {$1800.00} a month which is approx {$500.00} more than my payment. I was stuck I had no choice but to resubmit for the 3rd time. I didnt have {$4500.00}. Them today I received a secure email from XXXX XXXX but it was meant for another person with MY documents attached. 
I can forward this email to you. This may be why I have never received any email, text or phone call that I had missing documents. He has already shared personal financial information to me from another person, I dont feel secure with him or this Company but if I stop now my Home will go into forclosure. I have contacted XXXX XXXX with XXXX and she has submitted my documents for the third time but now because of XXXX XXXX and Bayview I am 4 months in arrears and could lose my home. I feel like he is purposely doing this to get my home because I ha e equity in it or he just does not k ow how to do his job. I am very concerned about losing my Home because of these issues caused by XXXX XXXX. All calls are Recorded so this can all be verified
Product: Vehicle loan or lease

Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Grant and Weber trying to collect a debt of XXXX. 
Was fully insured for the procedure this is a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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: Money transfer, virtual currency, or money service

Following up on the discrepancies associated with XXXX transactions