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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. I found that under section 605b ( a ) XXXX and TransUnion 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, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXX XXXXXXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$5500.00} and XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

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 XXXX XXXX XXXX after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Capital One on several occasions and they are constantly asking me to send in my personal information. I am Capital One to validate my information because according to the law, they can't report this information on my credit report without validation. Instead they send me a letter stating they are not going to do anything at this time. According to the law, I have the right to ask a company reporting on my credit report for validation or they have to remove the account from my credit report. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX, XXXX Frost Arnett I filed a complaint again your company with The BBB and with my credit repair company to validate three amounts of {$620.00} for a total of XXXX. One you never responded to my BBB complaint however more than 60 day later you send me a letter dated XXXX XXXX that you can not validate such debt and will no longer attempt to collect. XXXX XXXX, I receive a 2nd letter from you with some paper stating that you have verified such debt by sending copies a bill from some emergency room that I never been to. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. You not validated a anything and I consider this to be fraud and will contact attorney General office and FTC. The various names on these documents false! 2 I have insurance the company name of this paper work is FRAUD! 3 I have never been to a XXXX XXXX XXXX, I have insurance and a primary care doctor so this false paperwork is fraud! All these will be forwarded to my family attorney any attempts to report this fraud to any of the three credit reporting agencies will result in legal action. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX. 
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 accounts 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 these 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: Bank account or service

I set up a checking account with US Bank on Saturday XX/XX/2016 in XXXX, KY. The bank was offering a promotional bonus at the time for new checking account customers and US bank credit card holders. So I close both of my local bank accounts that I have been a customer with for years to open my new accounts with US bank. The option I chose was setting up a checking account that had a {$150.00} bonus and also opened a credit card which was an additional {$50.00} bonus. When I set up the account at the branch the banker specifically informed me that I would receive this bonus within 60 days of setting up the account but at the very latest, 9 weeks from first direct deposit date. It sounded appealing to me. I made sure to meet all requirements for bonus and set up my direct deposit with my employer. It is now 4 months later and I still have n't received my bonus for setting up the account. Totally unacceptable. I have spoke with numerous customer service reps and the branch manager several times over the last couple months and the only thing they tell me is that my bonus is being processed. Also unacceptable. What drew the line today is that I called the branch manager again today and she said she contacted the promotions department and that they were several weeks backed up on promotions that it could be even longer of a wait, possibly XX/XX/XXXX or XX/XX/XXXX. Again ... .. Completely unacceptable. I also called the US Bank customer service number and spoke with a VERY rude female representative who would not transfer me to promotions or would n't let me speak to her direct supervisor. I 'm extremely frustrated with US Bank and would NEVER recommend them to a friend or family. It 's not necessarily the whopping {$200.00} bonus that has me frustrated, it 's the fact that the bank promised a new customer something that I do n't seem to be receiving. If you want me to change my accounts and join you for {$200.00} I 'm in, but I expect to receive my money. I have met my requirements and have waited WAY past projected date and I should receive it now. If I do n't receive it this week, I will close both accounts with US bank and reopen accounts with my old local bank.
Product: Checking or savings account

My first time was on XX/XX/XXXX. Money was taken from a debit card. For XXXX at XXXX in XXXX, Il it was from my Direct Express Card then the next time, I had money come off my XXXX checking acct for XXXX. I believed my apartment has hidden camera because when trying to send emails I can't and the wall and floors tap is their anyway you can help me because this has happen several times I'm trying to move. Whoever is doing this to me is nearby. What do you suggest? Please help
Product: Debt collection

Conns XXXX XXXX account # XXXX was sent to a collection agency named XXXX. The phone number for the collection agency XXXX was provided to me by a customer service representative from Conns, Ive called XXXX at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from XXXX. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have XXXX report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at XXXX or even to get a phone call returned.
Product: Prepaid card

I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee, but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX, XXXX TX XXXX. Reading carefully the documentation that came with this card, it appears that I have to actively contact them to decline this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Product: Credit card

I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last two years to dispute several accounts on my credit report that are fraudulent and the credit bureaus refused to remove the accounts. I have filed an identity theft report. My personal information was compromised 2 years ago in a data breach and I have been fighting this for all those two years to no avail. No one will listen and remove the fraudulent accounts. They are not mine. I did not personally open these accounts and my rights and private information are being violated by these credit bureaus who refuse to remove the accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in regards to my previous complaint requesting the removal of the fraudulent items from my Credit File in accordance with the Fair Credit reporting Act section 605b. I sent a dispute letter to the credit bureaus last XXXX XXXX XXXX requesting them to delete these accounts, concerning which I KNOW NOTHING. It is required by law, so I'm sending this follow-up complaint to set up a legal recourse. Credit bureaus are obligated to delete any accounts or information under FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than XXXX  business days. I want them to get rid of the accounts listed below that are erroneously reported because of identity theft. This was brought up in my earlier complaint, therefore I'll ask an assistance from you to delete it as soon as posible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX and XXXX have removed this fraudulent account from my credit report. I am confused why Transunion is yet to remove it. I will be filing a claim for negligence if this account isnt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Product: Debt collection

On XX/XX/XXXX I was notified by my credit monitoring company that a collection amount of {$2900.00} had posted to my credit from Sunrise Services Collection company on behalf of XXXX XXXX XXXX XXXX. Upon investigation, I learned that an XXXX XXXX XXXX XXXX affiliate had opened a cell phone account with equipment using my stolen Social Security number. During the new account set up process, the XXXX XXXX XXXX XXXX affiliate did not take a copy of the suspect 's identification nor did the affiliate run a credit check. Had the XXXX XXXX XXXX XXXX affiliate run a credit check using my stolen SSN, the new account would have been denied because I have had " locks '' placed on all of the credit companies for the past several years. 
XXXX XXXX XXXX XXXX has admitted that this account was set up fraudulently but in the meantime, my very high credit scores have plummeted, I have had to spend 20+ hours to date working to fix my credit reports, have had to file a police report and report with the FTC and am concerned about how long it will take to remove this fraudulent information from my credit. 
The fact that XXXX XXXX XXXX XXXX allows its affiliates to engage in these unethical practices involving opening new accounts is astounding and I believe needs to be investigated. I was completely unaware that this fraudulent account was opened two years until this week, when I was informed that XXXX XXXX XXXX had authorized Sunrise Services to place a collection notice on my credit. The suspect used my SSN but used a fake address ( not my address but in fact a business address ) and since I am a customer of XXXX XXXX XXXX, with a land line that I have had for XXXX years and have always paid on time, the account should have been checked against any existing accounts. I was never notified in the past two years ( the account was opened in XX/XX/XXXX ) that the account was in arrears because the suspect did not provide the affiliate with my correct address, phone and email. So after two years of an unpaid balance, my credit was compromised by a collection amount for an account that I did not know existed. If XXXX XXXX XXXX XXXX is not taking the necessary steps to check identify in an attempt to simply generate more revenue, their practices should be investigated.
Product: Credit card

I applied for a Marriott rewards business card from Chase bank because they offered XXXX points as a sign up bonus. In the fine print it stated that the bonus would not be given if I had had this card in last 24 months. I assumed that if I had this card in the last 24 months my application would be denied but it was approved so I thought I would be getting the bonus. XXXX-8 weeks later after I had already spent XXXX dollars to get the bonus they told me I had did not qualify for the bonus. Chase should make it more clear in the application that someone could receive the card but not the bonus and they should tell the consumer right away not 6 weeks later. I feel like I signed up for XXXX credit card product with certain benefits and was given another product with out my permission.
Product: Payday loan, title loan, personal loan, or advance loan

back in XXXX, Title Max in XXXX, Ga, XXXX XXXX. my car due to lack of payment, which they did more than once. With XXXX hitting our business hard, I was struggling to keep possession of my car, a XXXX XXXX XXXX, and the loan wasns't near what I could have gotten from them, like {$6000.00} plus dollars. The last time they repoe 'd my vehicle, my husband and I got a ride to the repo lot and papid everything up at that time, but the battery was dead, so the yard guy, XXXX hooked up a charger on it. Well within minutes maybe seconds my car started smoking! We hauler to the guy to take it off the car! We didnt see any damage from the smoke but we knew something wasn't right about it! After this incident, the car ran horrible. Before I could get things in order they came and picked my car up for the last time and sold it. I know that it was my doings for the repossession, yet they have not contacted me with the saling information, and I believe they owe me some money for the exchange. l regret that i LET THEM TAKE IT, but I was so worn out from all I was losing that it was just too much. I would really appreciate your opinion on this matter. Also, I was sent a Breach of Information from the company, and would like to know if there is anything I can do to get this looked into too?
Product: Debt collection

First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX