23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This Credit Bureau Has Been Reporting false information on my credit report, It is Hindering me from the ability to live life and process goals to achieve, This Credit Bureau is saying they are getting there information from the bankruptcy courts and XXXX XXXX, which is inaccurate I have sent over several documents from the Court offices and XXXX XXXX stating that they do report to these agencies Nor is a Bankruptcy disclosed, Also With Metro 2 Complaints it is impossible for them to have this false inaccuracy to report on my credit report, I contacted each company myself And They Sent me documentation to submit to the credit bureau to Removal Immediately, It has exceeded over 45/60 days of the timeline for the credit bureau to Remove, Etc No credit bureau has done so, so now it is extremely important that I contact The appropriate agency to have help with this Inaccurate information Regarding This Inaccurate Bankruptcy ( XXXX XXXX XXXX XXXX XXXX  ) Bankruptcy that is Reporting on my Credit Report 3x With all Different Accounts information and inaccurate information Reporting.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on credit report through experian and XXXX  non of them were properly submitted or disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Debt collection

Many time I send letter, disputed online and called to company and three bureau and explained the I am not open that credit I am victims and never received any right answer
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unknown person used my identity that stole to open up a credit card with XXXX XXXX, a XXXX XXXX XXXX XXXX. That same day, around XXXX XXXX, that individual used that credit card to make multiple round trip airline purchases between the XXXX XXXX XXXXXXXX airports and XXXX XXXX with XXXX using my identity on back-to-back-to-back days. I did not authorize these purchases, nor would I be able to make these trips. The person also bought trip insurance. An hour later that person cancelled all three flight purchases and pocketed the money from the transactions. I separately called and cancelled the trip insurance. I have attempted since XX/XX/year> to report this credit card as a fraudulent account opened using my stolen identity. XXXX doesnt believe this was identity theft because the information used to open the credit card account matched my personal information. But that is exactly how identity theft works. The person steals your information, copies your persona, and then acts as you online making purchases you would never authorize, seeking quick refunds. and pocketing the money to pursue fraud elsewhere. I need XXXX XXXX  to resolve this because this is hurting my XXXXredit score, and Im not paying back XXXX  of dollars in purchases I never made.
Product: Credit reporting

I call Equifax to remove the unloock to run my credit report XXXX I spoke to XXXX the supervisor ( USA ) Nevada Employee Id. XXXX he requested to fax documents XXXX and bill utility I fax 4 times to this numbers XXXX and XXXX and they can dowloaded my paperwork I need to close my loan and each time they are running my credit report charge me {$100.00} what I paid {$400.00} to XXXX VIA XXXX. I CALL EVERY DAY FOR HELP. THEY ARE WORN ME DOWN AND WE DO N'T PAID TAXES IN XXXX and i do n't like to release my S.S. to them.
Product: Debt collection

Called 4 times to resolve the issue ... I 'm not denying that the info is mine. This is a case where I was in car accident in which I was not at fault. I have XXXX insurances and car insurance. While trying to contact the car insurance, I decided to strike up a payment plan that I could afford so that the claim would not end up on my credit report. The CSR from this place is incredibly intimidating and they refused to take the monies that I can afford right now. I got hung up on the 3rd call! They kept saying that I 'm refusing to pay but I 'm not! I 'm just paying what I can afford!! They asked me for the amounts of my personal bills and basically told me I can afford more than what I 'm offering. I was even advised to take out a loan because the loan people probably would work better than me than what they will do. I have every conversation recorded ( except the first ). I 'm upset because it 's not like I do n't want to resolve this but, apparently what I can do is n't good enough and therefore I was threatened that they will put this on my credit report. I spoke with the original creditors and they tried to help as much as they could but it 's out of their hands. ( ( We got to this point because the original creditors failed to put down my XXXX health insurances and they only filed XXXX which left with a balance ... I never received a bill but now I 'm stuck dealing with these rude collection people. )
Product: Mortgage

XXXX XXXX XXXX issued a loan to a non existent person, the perpetrator responsible for the fraud was convicted and the loan was included in the restitution. The bank is refusing to remove the fraudulent trust deed and has initiated and forcing a foreclosure on a verified fraudulent trust deed.
Product: Debt collection

I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX   provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST I am hereby notifying you, XXXX XXXX XXXX, that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. I never signed a contract with XXXX XXXX XXXX and you have used my personal information without my consent which has negatively and falsely impacted my credit report. You have violated my consumer rights pursuant to 15 usc 1681b. You have caused my phone to ring at inconvenient times, even while Im at work, in connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies. 2. Stop infringing on my intellectual property rights immediately. 3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt. Failure to comply with consumer demands will result in litigation. I do not consent to E-Oscar or any other means of automated verification. 

XXXX, XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed by this dude of the name XXXX XXXX I posted my XXXX on XXXX marketplace he asks to buy it and if I have Zelle I send him my Zelle and he said he tried sending the money I get an email from what I think now is a fake Zelle saying that my account is not a buisness account and to set it up I have to send {$200.00} to the buyer and then I will get refunded I do that and then I get another email from what I think now is a fake Zelle account saying it didnt work and that I have to go to the store and buy {$100.00} XXXX XXXX XXXX I did that and sent them the picture of the code and then they said that they need another {$100.00} XXXX XXXX so me not knowing this is a fake Zelle buy another {$100.00} XXXX XXXX and send the code to them I then get another email from them saying that my funds are approved and all I need to get my money back to my account is another {$50.00} XXXX XXXX so I buy that other one and then there now saying they need {$100.00} XXXX XXXX again and I just realized its a scam
Product: Checking or savings account

Citizens bank suspended my account for an " account review ''. Customer service declines to provide me any information, or provide me any access to my funds. Telling me I'd get a letter. No letter and no contact. As of now the account is open and so far they've stolen {$510.00} that has been deposited into my account that they refuse to provide me access to.
Product: Checking or savings account

Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a { {$400.00} } bonus if I maintain { {$15000.00} } for 60 days, and an additional { {$100.00} } if I receive a direct deposit during those 60 days. I have completed both tasks in the specified amount of time but have yet to receive my combined { {$500.00} } bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. This has been the promise during multiple calls. No other stipulations were described in the terms and conditions of the offer and I followed the directions of the offer and completed the required tasks as mentioned above. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist? Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Checking or savings account

XXXX jewelry stores took money out of my debit card unauthorized status jewelry on XX/XX/year> {$1200.00} XX/XX/year> {$750.00} and XX/XX/XXXX {$5900.00} XXXX  XXXXXXXX XXXX XXXXXX/XX/year> for {$280.00} and {$550.00} XX/XX/year> for {$500.00} and {$2200.00} XX/XX/year> for {$700.00} I been fighting with Navy Federal credit Union on this matter since last year this is disgusting what they have done too me as a consumer that has trusted this bank with all my money. Then they closed my checking account and kept my savings account opened and I had no access to my checking account at all unbelievable I need help asap or I'm going to sue Navy Federal credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This 30- point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TransUnion, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XX/XX/2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Product: Debt collection

I am having issues with the company Gragil Associates, I never received the initial paperwork claiming I had a debt go to collections with them. I have been paying to them for 4 years now. XXXX a month. The company is refusing to give me the ammounts in writing. The company is claiming I owe more money now. I have been keeping track of how much I have paid and how much I owe. They said they do not need to give me any records because they are " not a billing service. '' I just want to see how much I have paid and the original bills and they are refusing to do that. I should be able to see what I have paid off and how much I have left on the account. The company said I could go back and look at my bank account and track down how much I have paid. This is the 2nd or 3rd time they have not added payments in their system. I feel like I have paid more than I should have already.
Product: Credit reporting or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This Is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are Investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint. with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v.

Trans Union Corp. No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting or other personal consumer reports

I submitted a dispute to your company after i found several inconsistencies and errors. The responsibility of the credit bureaus remains to verify information before posting. if inaccurate information is found it must be deleted immediately according to the FCRA. 
I did not request these accounts to be updated, I requested for them to be verified or deleted. this is my final attempt to resolve before contacting attorneys.
Product: Checking or savings account

I bought some clothes off a fake website off of XXXX. So I disputed the transaction the day of, sent screen shots that the website does t exist anymore and they still wont give me my money. I also bought XXXX tickets ended up with XXXX and they still wont give me my money. It has been 30 days
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I just came out of bankruptcy and I did an affirmation with my car. My case was closed the before this month. I was making payments throughout the bankruptcy but it didn't look like it was being applied to my account which we got resolved. The calls started XX/XX/XXXX and the rep said if I made a XXXX dollar payment they could do an extension. I told him I would make the payment but I would be making another payment on the XXXX. But I would think about the extension. I received 10 times since then every day up to today. I have even spoke with XXXX who is a supervisor yesterday. I told her the same thing. I was told that because their system is on an automatic dialer it's going to keep calling no matter what. 10 times in a week and all u say is your collecting a debt. U don't say where your calling from, this is too much.
Product: Debt collection

Comenity Bank XXXX Lane Bryant account ) I have talked to several very rude collectors. I finally got them to quit calling me during work hours. I'm a XXXX  and they would call 3-5 times a day in my XXXX. One very rude person told me if I didn't want the calls get a second job and pay my bills. Now they call mainly on weekends 6-10 times a day. Here are some of the numbers they call from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus several that show up " restricted ''. Since they don't always leave a voicemail, I am just counting the above numbers that I can proof came from them. Between XXXX XXXX today, XX/XX/XXXX, they have called 25 times And that is mostly all on weekends only. Today alone they have called 7 times.
Product: Debt collection

I received a notice from IC systems claiming that I owe an alleged debt of {$490.00} to XXXX. I have no idea what this is about so I sent a written dispute in regards to this matter. IC system is threating to report to all the XXXX of this alleged debt owed. I since then have not gotten a response in regards to validation of this alleged debt. It is now mid XXXX.
Product: Credit card or prepaid card

XXXX.I have never had an account with this company WELLS FARGO CARD SERVICES , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO CARD SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXX.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.