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

I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Bank account or service

My account has been hit with a negative balance fee on top of overdraft fees. None of my personal banking reps could explain to me or understand what this fee is. Once I called the phone reps explained it as a fee given when deposited funds are not available and are able to be used. This is not my case however. My account has been charged with a negative balance service charge which then puts my account in the negative .I am charged an overdraft fee and then I am charged again for a negative balance fee for the same occurrence. I have been double charged for the same overrdraft caused by this " negative balance fee " and then the cycle happens the very next month for having a negative balance. Ive been charged nearly XXXX $ in the last two months alone. This seems very unfair and I feel taken advantage of especially since my personal banking reps had no clue what a negative balance fee was there for how could I as a customer. I am a seasonal small business this is my XXXX year going into business and I feel Fifth Third Bank is taking advantage of me. If this is not resolved I am shutting down my account immediately and taking my complaint to the highest level possible. I will spread the word that Fifth Third is not a bank for small businesses that often struggle with making ends meet only to be gouged with high fees.
Product: Credit card

On XXXX/XXXX/15, we received our credit card statement for an annual fee. We had no other balance on the card. I contacted the company on that date and told them that we 'd been customers for years with solid credit and that I would like the annual fee removed. The Agent agreed immediately and said he would remove the fee permanently and that it would take 5 days to show up as deleted on our online account. On XXXX/XXXX/15, the charge was still listed on our online account and I called and spoke to another person ( I have all the badge numbers for those I spoke to ). This person apologized and said that it really would take 7 to 10 days from the original conversation to be removed but that our account was showing that the fee was removed permanently. 10 business days from XXXX would have been XXXX at the latest. On XXXX, 1 day before the payment of the annual fee was due, it was still showing up on our online account. I called to cancel the card completely. The person I spoke with said that the annual fee was part of my signed agreement. I asked her if she was implying that I was in breach of contract and she responded that she had n't said anything of the sort. She said my account was showing that there was no annual fee but that she would need to contact her technical support people to check our online account. I told her I thought that XXXX was hoping I would pay the annual fee prior to the due date to avoid penalties and the such. I told her I would not cancel the card if she sent me an email saying that my account was changed to a no annual fee account. She refused. She said I needed to fill out the 'Contact Form ' on their website which I 'm certain says they have 48 or 72 hours to reply. Any answer would have been beyond the due date. I cancelled the card at that time and received a cancellation code. It is unfortunate XXXX found it necessary to play games with me.
Product: Money transfer, virtual currency, or money service

I lost all my cash app tag name and email also my phone number in order to access my XXXX stimulus check money payment from the IRS to cash app debit card and not even my ID or social security number card helps to access my account there in cash app
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$86.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

RECEIVED CANCELLATION OF DEBT FORM. 
Stating the reason for receiving this form is because a federal gov't agency or an applicable financial entity ( a creditor ) has a discharged ( canceled or forgiven ) a debt owed.
Product: Bank account or service

1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.
Product: Checking or savings account

I filed a complaint with CFPB the response was wrong. I called Capital one today and was told the claim was closed and denied after I sent in police report and did the identity theft report. They will not reopen the claim totaling $ XXXX am told I am out of this money. When I called capital one I stated all pay pal that rep only put in for those charges so I was told cause there was other charges to XXXX my claim was denied. I have sent in proof of my identity being stolen and on my credit wise report my information was on the dark web. They refuse to reopen the claim. I never authorized these transactions nor gave anyone permission. They have the wrong ip address which I sent them. This matter needs to be looked into. I have called the number to speak to XXXX, 2 times left voice mails and she has not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.
Product: Checking or savings account

My acct on XXXX was hacked and my bank wont help. I started a page on XXXX and someone placed ads on my behalf with their company, that has nothing to do with me. They charged almost {$1500.00}. Chase my bank says Im responsible for this because a year before I played a game on XXXX. I also have so much proof, which I sent the bank. Chase literally told me, if you previously do business with a company its not fraud. XXXX, XXXX says theyll refund me, but theyre not, Chase is saying they wont help. I pay Chase. 

I have more attachments but I cant put them all in.
Product: Bank account or service

Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.
Product: Credit reporting or other personal consumer reports

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Product: Debt collection

I use to have internet and cable through the provider but I ended up moving. I will admit I didnt turn in the boxes at the time of cancellation ( which I sent the boxes through UPS at a later time ). I informed the company that I would no longer need their service due to moving and switching companies. They NEVER CANCELLED MY SERVICE AND CONTINUED TO CHARGE ME for months I wasnt there. It literally took me a while to realize that I was still being charged for the internet service because I had autopay set up. I called them and told them that they w were BEEN supposed to stop charging my card due to me no longer being there in which they did charge my account back. Next thing i knew they hit my credit for the money that they charged back. I called over to them and they told me that they would fix the issue and they apologized being I did move and contacted them about the issue per their records. I have been going thru this for about XXXX  years now and still no change. Every time I call they say they would fix the issue in which they never have. Ive spoken with supervisors and all and still no change after being promised theyll fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cars were given back and wrote off as repo
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX  opened XXXX {$250.00}
Product: Debt collection

I called Grant and Weber on XX/XX/XXXX to settle 3 bills showin on my credit. I have tried to do this 2 weeks ago and run into the same problem. I call 4 times on XX/XX/XXXX to settle the loan and call once on XX/XX/XXXX. Each time Ive called i got nothing resolved with this company. They are so rude and disrespectful when talking to you like we owe them something or we need to be greatful of them. I asked to settle and was told they will not settle i need to pay every cent. I was then told it was other. Bill that I didnt see and was adivse they didnt know why I couldnt see them and will make sure it goes on my credit. I then adivse the bill shouldve went to the primary card hold holder and not myself and the guy said your child your bill. I then asked for a supervisor and he said i will transfer to Tone his supervisor and then was hug up on. I have never been treated so ad by a company in all my life. They are putting me through mental and emotional stress trying to handle this so i can purchase a home. Im having anxiety attacks when thinking how i was treated. Please help me
Product: Debt collection

I recently checked my credit and XXXX XXXX is reporting for rise credit for {$5000.00}. I never received a letter from them prior them placing this on my credit report. But this is typical of collection agencies to do. So they won't have to delete it from my credit report. I am having financial difficulties right now after I had a XXXX XXXX. My house payment has also went up to. {$1200.00} which has taken most of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates was contacted on XXXX XXXX dispute inaccurate information with them. They re-aged my account for a date XXXX XXXX stating thats when I opened the account which is illegal under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXXXXXX : Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX XXXXXXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

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

My Friend from XXXX send me money US {$65.00} to my account in XXXX. She sent in dollars but mg account is in euros. I didnt recieve the money. 
Paid out from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX partner XXXX XXXX ( USD ) Trace id XXXX Transfer overview Amount paid by XXXX XXXX XXXX USD Transfer XXXX XXXX USD Converted and sent to XXXX XXXX XXXX USD Sent to Name XXXX XXXX Account details XXXX XXXX XXXX XXXX Fee Payin XXXX USD Conversion XXXX USD Total fees ( included ) XXXX USD Exchange rate XXXX USD = XXXX USD Reference XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im in the process of buying a house and my lenders can not access my credit report.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( XXXX  ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXX
Product: Checking or savings account

The account was closed without any notice I was able to transfer the funds before was too late, the next day I tried to download the XXXX  statements to be able to file the taxes for XXXX, and then keep the others on hand to do the XXXX  taxes. but I don't have any access to the business account anymore through the BOA website just the personal accounts, not the business. I know that they closed the account but they do not give me any choices or explanations I NEED THOSE STATEMENTS TO FILE THE TAXES FOR THIS YEAR. 
THEY CAN BE EMAIL TO ME. 
I NEED IT ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX  Block Request Dear Sir or Madam XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if the consumer has provided documentation of XXXXXXXX to the agency. I have attached a documentation of my self attestation to you Experian Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX