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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that Exeter Finance LLC was pulled my credit report without my authorization. They clam they received my personal information from an auto dealership that I did not authorize to review my credit report. This is the third time Exeter Finance has accessed my credit report in 6 weeks. I have contacted them and demanded they stop, but they continue to access my credit report without my permission. I asked them for proof I signed a credit application with their client or them. They have not produced one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA shows an account " charge-off '' under my social security number in XXXX, yet there are still reporting late payments and recent as XX/XX/XXXX on XXXX  & XXXX  credit reports. This is illegal and this account needs to be deleted. Also this account is outside of Maryland 's statue of limitation law, whereas a credit card debt can not be collected on after ( 3 ) years.
Product: Credit card or prepaid card

I believe My personal information was stolen while making a purchase on someone else 's computer and cards were acquired and misused as a result ... ....
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. : XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting

As of XX/XX/2016, while applying for a home, I learned of some fraudulent information on my credit report. I first filed an identity theft report with local authorities and then sent a copy to each " creditor. '' I received a letter from XXXX of the XXXX companies agreeing that the accounts were found fraudulent and that they requested that they be removed from my credit report. Transunion had initially removed each " creditor '' from my file but later sent a statement that they were " reinserted. '' I 've requested original documentation/applications of credit be sent to me however, to date, I 've only received copies and the incorrect information still remains on my credit report preventing me from operating in commerce as I should be able to. I 'm requesting assistance from FTC and/or its affiliates to get all incorrect/fraudulent information off my credit report. Also, soon after bringing my issues to each " creditor, '' the accounts that have not been removed, have quickly been sold to a third party who now continue to harass me for unwarranted payments. Please help.
Product: Credit reporting or other personal consumer reports

Recently I disputed an inaccurate account on my credit report which you responded stating that the account was updated and verified on XX/XX/2024. I am writing in response to your investigation, and I am requesting validation of a debt reporting on my credit report regarding the debt you claim I owe. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor I'm processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

Please provide the following information to verify the debt : I am requesting that you provide ALL INFORMATION USED FOR YOUR INVESTIGATION AS REQUIRED B FCRA 611 ( a ) ( 7 ) for the account 1. Proof of the Debt : A copy of the original contract or agreement showing that I am legally obligated to pay the debt and that you are authorized to collect it. 
XXXX. Account Details : The original account number and the name of the original creditor.

3. Statement of the Debt : A detailed statement showing the amount of the debt, including any interest, fees, or charges that have been added.

4. Verification of Collection Rights : Documentation proving that you have the legal right to collect on this debt, including any assignment or transfer of the debt from the original creditor to your company. 
XXXX. Proof of Ownership : Any documents that prove your agency or company legally is possession of any and all contracts associated with this account. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Please respond to this request within 15 days of receipt. If you can not provide the necessary documentation, please remove any information related to this debt from my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I received a correspondence today, XX/XX/2023 that I paid {$140.00} or so and that I have a XXXX balance, I always verify as i dont trust this firm as had problems prior when I filed a complaint against FNBO . 

I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me. 

Then i was put on hold to find out why I do not have an account anymore. 

Never got thru after hold time of over XXXX minus, what is going on over there?
Product: Payday loan, title loan, or personal loan

It has come to my attention that payday loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Amplify Funding, according to my state 's laws, is not enforceable. They are charging me 656.48 % Finance Charge for {$1200.00} Loan. I have emailed them and they have not yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act comenitycb/forever21 AC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I already have an existing claim on this issue but Im filing another claim because Chase has now I guess youd say has takien revenge. In a month and a half they have done three escrow analysis. The first one done early XXXX and one done late XXXX showing the overage of {$4500.00}. That check was supposedly mailed to me twice which is why they did the analysis twice. I have ecopies of the statement showing the voided check. I never got it which is why they did it twice. And now, after I filed a complaint, which, by the way, the individual at chases executive office called me one time, gave me her contact information and I called her back XXXX times with no response. Now all of a sudden, since I filed a complaint, they did another escrow analysis for no reason, and mysteriously my tax payment has now increased enough to where I dont get an overage. Amazing that in a matter of two weeks and three escrow analysis, all of a sudden the money that Chase owes me is now going to the state for property taxes. Explain to me how XXXX county just miraculously selected my property to do a random tax increase AFTER the new year analysis had already been done last month, and yet they raised the taxes for me after I filed a formal complaint against Chase. So odd. This is completely illegal. I reached out to the city of XXXX County and Ive looked up my projected taxes and they are NOT what Chase is claiming inthis 3rd escrow analysis. What Chase is doing is theft and fraudulent. Just amazing that the amount that they came up with this time completely zeroed out the escrow account versus them sending me the money that they sent me just two weeks ago and two weeks before that. But again, miraculously, I didnt get those statements. Got my mortgage statements so clearly the mail is working. Seems to me as like there might be some huge scam that Chase is working with peoples money in there overages. They will not call me back. They will not respond to their actions. They have stolen my money. Do you know the financial institutions right now? Really arent looking too well in the news. Id be more than happy to contact the local news here and let them know what XXXX is doing, and then you know I bet people might make a run at chases banks. Theres a lot of people in Arizona the bank with Chase. Probably wouldnt be best for them. But if I dont get some responses and I dont get my money, I will be more than happy to bring this to the attention of the media.
Product: Credit reporting or other personal consumer reports

reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ Experian, XXXX, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is falsely reporting an old debt or someone else 's debt to my account as of date XX/XX/2022. 

I looked at the supposed original credit of XXXX XXXX XXXX XXXX and that is in XXXX FL. I have not lived or have even been in that area in a decade. 

I have disputed this with all credit bureaus and this company is falsely reporting that the information is accurate when its clearly not.
Product: Credit reporting or other personal consumer reports

I was diagnosed with XXXX during a veteran administration claim Im 100 % XXXX due to XXXX and I found for a I filed for them to just be erased. I dont honestly dont know the terminology nor do I care all I know is that that is that is something offered to somebody in my situation, and I was trying to take advantage of it. I submitted the proper paperwork during that time, not sure what they were doing and how they handle my information or anybody elses information. All I know is that during that time I submitted the information and my XXXX account came from XXXX XXXX  the servicer changed, and its still the same information on my profile from the old servicer and now my account says zero but the credit bureaus all three major credit bureaus refuses to put my balance as zero they have they know that the balance is zero, but they will not put it there after investigating it talking to him and telling me yeah youre right but months later, theyre still showing as if I have {$50000.00} in student loans but when I log into my account theyre zero at one point it was an error with XXXX. It seems to be corrected now so I feel like now Im being a I dont know thats incorrect information being placed on my credit report because I dont have any student loans anymore that are government affiliated, they waived them and I do not have them anymore
Product: Mortgage

2 MORTAGE PAYMENTS WENT OUT FROM MY WELLS FARGO ACCOUNT TO XXXX XXXX XXXX XXXX WHICH I WAS NEVER NOTIFIED HAD PURCHASED MY LOAN. I PAID XXXX USING WELLS FARGO APP ON XXXX AND THEN THE AUTO PAYMENT SENT A DUPLICATE PAYMENT FOR THE SAME MONTH ON XXXX FOR XXXX. I HAD ABOUT XXXX LEFT IN MY ACCOUNT BEFORE THE SECOND PAYMENT WENT OUT. I HAVE FOUGHT THIS FOR 32 DAYS AND SPENT 37 HOURS ON THE PHONE WITH OVER ABOUT 20 PEOPLE BOTH WELLS FARGO AND XXXX XXXX XXXX XXXX. THIS COMPLAINT IS FOR WELLS FARGO. A SEPERATE COMPLAINT WILL BE RE FILED AGAINST XXXX XXXX XXXX XXXX. 
I HAVE SPENT ABOUT 37 HOURS FIGHTING THIS WITH XXXX COMPLAINTS. MY BANK RECORDS OF DEPOSITS AND PAYMENTS WILL SHOW IN A COURT OF LAW IF REUUIRED BOTH PAYMENTS WERE SENT AND NOW I AM TOLD NOT EVEN 1 PAYMENT WAS RECEIVED BY XXXX XXXX XXXX XXXX. WELLS FARGO CAN NOT TAKE XXXX OF MY FUNDS AND JUST FORGET IT. THEY CAN NOT WASH THEIR HANDS OF THE MESSED UP HAND OF OF MY MORTAGE TO XXXX XXXX XXXX XXXX. I WILL RE FILER SERERATELY WITH XXXX XXXX XXXX XXXX. TODAY XXXX JUST BEFORE XXXX I WENT TO MAKE XXXX PAYMENT AND WAS TOLD THAT I NOW OWE 2 PAYMENTS, WHERE DID MY XXXX DOLLARS GO BESIDED BEING SHUFFLED BETWEEN WELLS FARGO AND XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I'm just trying to close my account and withdraw my money from Gemini exchange. I've reached out to them several times to ask for help in this matter and all I've gotten is a standard auto-reply email that didn't even come close to addressing the information. They don't have a phone number to call to contact a live representative and their web based chat is bot based. 

I feel like my money is being held hostage. I just want to close my account and get my funds back. According to them, I have to set up a wire transfer first before I can do this ( Even though they had no problem taking my money from my credit union account via debit card when I first opened my account ). But now in order to pull my money out I need to establish a separate wire transfer directly to my account. Their instructions on how to do this has been no help since my credit union works differently. Again, I emailed them to provide more specific instructions and all I got was the standard reply email that had nothing to do with addressing my issue. 

Even if I receive my funds in the form a check through the mail I would be ok with this. 

Gemini exchange wreaks of a scam to me and I don't understand how they can remain open for business.
Product: Debt collection

PORTFOLIO RECOVERY IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit card

My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed and I've written, letters to each Bureau and XXXX, Equifax, and XXXX have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

Equifax Confirmation : # XXXXXXXX XXXX : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.
Product: Credit card or prepaid card

I have deposited approx {$450.00} into an ATM machine belonging to Bank of America in order to put money balance on my credit card. 
The ATM swallowed my money, and the bank refuses to give it back saying itll take 2 billing cycles. 
The bank refuses to give me a temporary credit and refuses to resolve this matter immediately basically holding my money hostage even though it was not my fault