23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Amount charged {$2500.00}, XX/XX/XXXX Original with guardian veterinary was {$5600.00} pending for XXXX. XXXX never done. But double charged. Eventually they gave me credit for one charge {$5600.00} and a partial credit of {$3100.00}. 
My dispute is for another charge of {$2500.00} on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Paperwork from my vet was sent to guardian. They charged me foXXXX XXXX XXXX XXXX {$220.00} ; and XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX {$310.00} and {$400.00} chemistry
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX AmeriSave mortgage pulled a soft credit report on me without my consent. I called and confronted AmeriSave about this. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX she said '' The XXXX XXXX contacted them and told them I wanted to refinance. I requested for refinance in XX/XX/XXXX. AmeriSave did a soft pull of my credit on XX/XX/XXXX I was denied because of my low credit score. I did not give The XXXX XXXX or AmeriSave permission this year to pull my credit. Yet, on XX/XX/XXXX AmeriSave did a soft pull on my credit. AmeriSave and XXXX XXXX XXXX receive an equity loan check on my house in the amount of {$38000.00} someone forged my name and my wife 's name on the check. The XXXX XXXX applied to the principal or so they allege.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX is reporting my business account to my personal credit report which has tremendously affected my credit report. The credit card is for an LLC business account and should have never reported to any of my credit reports. That credit card has belonged to my LLC since XXXX with no late or missing payments. It has never been on my personal credit report till I viewed it this week XX/XX/XXXX. To is information has damaged my credit history and affected other credit accounts.
Product: Credit reporting

I contacted TransUnion in regards to an old XXXX account that had been illuminated two years ago due to ID theft and was placed again on my credit report by an agency who was resold the debt. The other XXXX credit reporting agencies have removed the item yet TransUnion claims the item needs FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth :XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) {$110.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I noticed 2 amounts coming out of my overdraft protection on my daughter 's bank account. {$1400.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Bank of America to inquire about these charges. I opened a claim and which was closed 2 days later without my knowledge. Upon learning this, I opened a new claim having to start the 10 day investigation process over again. On the night on Day 10 my daughter received an email stating that the claim was denied. In the meantime, after looking through her account, which is tied to mine, there were multiple unauthorized transactions made. Including 3 checks immediately deposited then transferred out resulting in my daughter having charges for non sufficient funds building on her account. These transfer were all done on a mobile device. BofA did reimburse the fees, but has refused to honor my claim of fraudulent activity. I have been told to file a police report, get phone records, which I have sent to BofA. These records contain a number that is clearly fishing out my bank account and it located in Alabama. BofA has not investigated my claim just informed me that since these transactions were done through XXXX, which they contract with, there is nothing to be done. My daughter is in college and is missing {$350.00} as well as the 2 amounts above that overdrafted into my account. There were 3 checks that were sent to me via mail that had been deposited and then taken immediately out, 2 of which were " refer to maker '' and 1 listed as a forgery. Clearly BofA knew something was up if they stopped payment on those checks. I have done far more research than BofA. I have called the fraudulent numbers listed on the XXXX transactions and called the companies to which these " checks '' came from made out to my daughter and forged. BofA has her signature card. This should of never happened. I have called BofA continously since this process began on XX/XX/XXXX, and have had to contact the private banking division in order for them to even get me in contact with an actual person in fraud which I spoke to XX/XX/XXXX. At this point, I have faxed all the phone records and am waiting to see if the claim can be reopened.
Product: Mortgage

Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX of 2017. I was never given any information about the purchase. Never received a payment plan. Had to go to a web site to find a phone number. Had to establish an account without guidance. Have not received any paper bills with the exception of one. They refuse to send a copy of my loan agreement after repeated requests and charged unexplained fees to my account. They keep referring me to research department and claim they ca n't help me with any complaints about my account. Research department never returns calls. The tellers as they call them have hung up on me. I believe this company is rife with fraud and abuse.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

Account name : XXXX XXXX opened : XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit card or prepaid card

I have a Citi Bank credit card that I have used for many years that i currently have a balance of around {$6000.00}. Recently I noticed something didn't seem right with my statement. For the last 10-12 months I have been making double the normal payment ( {$200.00} a month payment ) to try and pay down more principle. To my shock I recently realized my principle over that last year of payments has not gone down at all. At that point I called Citi and the customer service representative told me that I was being charged {$68.00} a month for the " Account Care '' program. I NEVER signed up for this " Account Care '' program and when I asked the customer service rep " how long have i been being charged this fee '' I was told " They can't tell me because ONLY " Account Care '' help desk can give me that information.

I was frustrated with the lack of transparency and honesty from the Citi customer service desk so I filed a complaint with the XXXX who contacted Citi. As a result the ONLY thing Citi did was to INCREASE the amount of collection calls I receive for the outstanding monthly payment. I informed the collection caller that I was not going to make another payment until someone addressed the current fee issue and informed me as to HOW LONG THIS FEE HAS BEEN CHARGED WITHOUT MY KNOWLEDGE. Apparently NOBODY at Citi has this information, they ONLY know how much I owe them.

Here is the best part. Earlier this week I finally got a call from " Account Care '' and I was told the following : They ( Account Care ) CAN NOT address my billing issue. That has to be done by CITI.

They CAN NOT stop the collection calls.

They CAN NOT address how my credit is being affected.

They CAN NOT show me where I " agreed '' to join this program.

They DID inform me that this " Account Care '' fee has been being deducted from my monthly payment since 2009. For almost 10 YEARS now I have been being charged this fee without my knowledge. That is THOUSANDS of dollars over that time.

Please help me! I don ; t know what else to do. I make my payments monthly, on time and I have been an honest customer. How can I get some relief from a dishonest XXXX Dollar company charging me fees I never agreed to pay? NOBODY SEEMS TO CARE ABOUT A GUY JUST TRYING TO SUPPORT HIS FAMILY. Should I consult an attorney?
Product: Credit card or prepaid card

I applied for a Target Red Card XXXX XXXX XXXX XXXX  and they will not provide a XXXX balance credit card statement. 
I need this for my mortgage refinance
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.
Product: Credit reporting or other personal consumer reports

Someone tried to open a credit card in my name without my consent. The card company is XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appear on my credit report. Please remove them promptly.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX used my Credit Information with banks that I did not authorize such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I authorized to run my credit to XXXX XXXXXXXX XXXX to get an auto loan from XXXX. I authorized just 1 Bank and not 5 different banks. XXXX XXXXXXXX XXXX affected my Credit Score. They should tell me in advance before running my credit 5 times. 
The car salesman offered me on XX/XX/XXXX, a XXXX XXXX XXXX XXXX XXXX. I traded my old car XXXX XXXX XXXX, and the salesman said that everything was approved by the dealer, and I left the car dealer place with my new car. Next day a received a call from the same salesmen stating that the financial manager wanted to talk with me. I went to the XXXX XXXX dealer again and the Financial Manager informed me that I had to return my new car. He said the auto loan was not approved. I informed to Financial Manager that the Salesman told me that everything was approved, and that is why I left the dealer with the new car. They lied to me.

This situation increased my Car Insurance, because I had to change my car insurance for a new car, before leaving the dealer. So, they made me return the new car XXXX and offered me another car. I had to trade the new car XXXX for another car which was not XXXX  ( XXXX XXXX ). I had to report to my car insurance company again and they increased my car insurance again. This situation was very difficult and frustrating. I requested an appointment with the Sales Manager, and he just offered me to give them another big down payment of {$6000.00} after I gave them {$2000.00} to get a XXXX  car like the car that I trade from the beginning of the whole story. I ended up with my credit score very low after having a decent one. They screwed my car insurance. I ended up paying {$8000.00} down payment, they ran my credit 5 times without my authorization. I spent a couple days and long hours at the dealer trying to fix all this situation. They even lost my plate number, and they requested another one from XXXX. It was a nightmare. I hope nobody experiences something like this with this Dealership XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the three collections that report on my credit report ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3 times with XXXX & Transunion. These are all ORAL contracts. All three items exceed State of Arizona Statute of Limitations on Debt Collections and therefore per FCRA guidelines must be removed from my credit bureau. XXXX has complied with state guidelines and has removed all 3 items however XXXX  & Transunion have yet to follow suit. I have kept all 3 dispute records as well as all certified mail receipts. I have included Arizona regulations in case XXXX   is unaware of them. I called in to file the dispute one time and the customer service agent wouldn't accept my dispute because she said the statute of limitations was 6 years. If you work at the credit bureau they should provide their employees with guidelines by state. 

ARIZONA STATUTE OF LIMITATIONS Written contracts : 6 years, runs from date creditor could have sued account. 

Oral debts, stated or opens accounts : 3 years. 

Actions for fraud or mistake : 3 years from the date of the discovery of the fraud or mistake
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX ( XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FIFTH Notice of unauthorized use of credit Card Account Number ACCOUNT ENDING IN XXXX Dear Sir or Madam : I am the victim of identity theft. My CREDIT card was used for an unauthorized transactions on numerous dates. I have enclosed copies of my statements indicating the charges, illegal charges. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. I previously notified you via telephone when these charges were initially discovered on XX/XX/2019 in reference to the merchants listed on the attached documents, I spent 6 hours on the phone with your customer service, fraud dept, and numerous other divisions that refused to help and never received any help having the charges reversed I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : See Attached ( The total amount of the fraudulent charges totals {$2100.00} with fees, interest and not including {$7000.00} in billable time for professional services and legal fees plus numerous late fees and irreparable slander to my credit. Please remit the sum of {$10000.00} TO SETTLE THIS MATTER AND RESTORE MY CREDIT BY LEGALLY REPORTING TO THE APPROPRIATE AGENCIES. 

A copy of my Identity Theft Report which includes : my FTC Identity Theft Report The FTC Notice to Furnishers of Information Please restore any funds which have been withdrawn from my account.. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored.. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) portfolio rtecovery assoc account # XXXX XXXX ) XXXX  XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.