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

Since XX/XX/XXXX, I have attempted to have Midland Credit Management validate collection account # XXXX which is the account # listed on the letter I received from them until this moment they have refused to do so which is a direct violation of my consumer rights based on the XXXX Fair Debt Collection Practice Act, as well as the Fair Credit reporting Act. By providing a incomplete acct # is grounds to discontinue reporting on my credit report which I have submitted demands on numerous times. I have went so far as to write the management Board member XXXX XXXX XXXX on XX/XX/XXXX home office located at XXXX Camino de la XXXX XXXX XXXX XXXX XXXX, Ca XXXX I also wrote to the divisional management XXXX XXXX as well as XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Mi. XXXX until this moment no competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. 

The same has been with XXXX XXXX XXXX I have sent certified letters requesting validation allowing Midland Credit Management to report on my credit report again my rights are being violated XXXX is showing Midland Credit Management as acct # XXXX first they are listed as incomplete acct # which is a violation plus two different acct # for the same account. I feel like I'm powerless can you please help me? By removing this account from my credit report.
Product: Credit card or prepaid card

An account with XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA was opened in my name, using my identity, without my consent. This is a fraudulent account. I had to close my bank account and reopen a new account because the person using my identity had access to my banking information and phone records. My computer data was compromised last year and it is believed that is how whomever opened this account was able to gain access to my personal information. I have placed multiple disputes with all 3 credit bureaus. The account was opened in XX/XX/2022 and the credit line is {$500.00}. The current balance owed is {$900.00}. I have placed multiple calls to Prosper as well only to constantly be told that they can't transfer my call to the fraud department because they are having technically difficulties.
Product: Checking or savings account

Ally Bank sent me an application denial letter. This is 2 of 3 attempts to open a banking account in my name fraudulently. Ally Bank did not open an account because they could not verify identity. I did not request an account from Ally Bank.
Product: Checking or savings account

WHATS IN YOUR WALLET? 

Only half of my money, because Capital One failed to protect my checking and savings accounts! And refused to reimburse me for {$10000.00} of unauthorized, fraudulent withdrawals. 

On Saturday, XX/XX/2020, I received a text message from Capital One asking if I had authorized a {$100.00} payment to XXXX XXXX. At the time, I did not know what XXXX XXXX was. I went to my online statement and realized that there were approximately 98 unauthorized transactions on my accounts, in the amount of {$22000.00}! About half of these transactions were labeled Mobile Debit Purchase XXXX XXXX XXXX sent XXXX XXXX CA. Then the other half were labeled XXXX Payment Sent to XXXX ; which I later learned was some sort of XXXX payment. I have never opened a XXXX acct or used one.

I immediately filed claims with Capital One.

After notifying all 3 credit bureaus, I found out the cybercriminal had tried to open accounts, in my name, with XXXX, XXXX and XXXX. These accounts were shut down and extra protection measures were implemented on all of my credit cards and accounts. 

Also, on XX/XX/XXXX, I filed a police report with the XXXX XXXX County Sheriffs Department and emailed it to XXXX. Detective XXXX XXXX took my case, started an investigation and sent out subpoenas. I continued to make phone calls to XXXX XXXX Claims Department and Security/Fraud Department, pleading my case and trying to recover the money that was stolen from me. I was repeatedly told, They were still investigating. 

Finally, on XX/XX/2020, I received a partial refund check in the amount of {$11000.00}, for the XXXX XXXX claims. Capital One still refused to pay the additional {$10000.00}, for the XXXX claims. I cited what I thought were my federal rights to the representative of Capital One, to no avail. If someone makes unauthorized withdrawals to your bank account using your debit card number, you are not responsible. 

Then, on XX/XX/XXXX, Det. XXXX said he had spoken to XXXX XXXX at Capital One. They discussed cracking the case. Apparently, there was a woman in XXXX, XXXX, that had committed these cybercrimes. Capital One had telephone recordings of her pretending to be me! XXXX said he would reopen the case and continue investigating. 

I continued to call Capital One for updates and a possible resolution. On XX/XX/XXXX, I was told none of the recent police reports had been entered into their system. And on XX/XX/2020, I was told XXXX, the investigator for Capital One ( XXXX-XXXX  # XXXX ) said the case was closed, that was the final decision and that I had no recourse! 

So, I am reaching out to you because Capital One has closed my accounts and will no longer communicate with me. Please help me recover the {$10000.00} that Capital One owes me.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report. Upon review, I discovered unauthorized accounts negatively impacting my credit score and financial well-being. Specifically, the account with XXXX XXXX is fraudulent and was not opened or authorized by me.
Product: Credit card or prepaid card

I have been a customer of Wells Fargo for over 10 years, I make my payments via telephone and in the last 6 months the process to use the telephone keeps sending me to a customer service rep., which take a tremendous amount of time. I have asked multiple time why this keeps happening and to no avail. Each time I am told that it was corrected and that they are proud of their work and assure me the problem has been corrected. Each month the same issue reoccurs. I have escalated this to be reviewed by Wells Fargo Executive Office complaint for review to zero satisfaction as they have not provided an answer for a single question I have as to why and they continue to be condescending and indignity. They have now created a case stating that I am not satisfied with their customer service to completely avoid answering the question as to why repeatedly I keep being forwarded to a customer service rep when making a telephonic payment. I have been passed around by the following people who tell me they are not the right person to speak. This run around has occurred for over 36 hours on the telephone. I was told that a ( XXXX ) had resolved my complaint, never spoke with anyone-complete fabrication ) and as of XX/XX/2018 the issue is still not resolved. 
I have had telephone contact with the following people in the Exec Office Complaint Review ( XXXX, XXXX, XXXX, XXXX, and lastly XXXX who was very condescending and passive aggressive and refused on 9 separate times to provide me with her supervisors name only stating that she reports to the Executive Office, and that by provide that as an answer she was responding to my question. ( very passive aggressive ) they provided fast talk, avoidance and no response to my question and when I stated that I would be filing with the CFPB I was informed that I should not be making threats. So I am immediately filing this complaint to follow through that it is not a threat only a promise to obtain a resolution to this issue that they refuse to provide.

In total I have spent 36 hrs to this point, just trying to get a satisfactory resolution, to no avail. I DO NOT WISH to have any of these listed Wells Fargo personnel to assist me as I can not afford the time or have the luxury to spend any more time on this matter which appears that is what they are hoping for.. Please help me obtain competent personal that can correct this matter and not just provide rhetoric and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling Experian on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Product: Debt collection

I was owe Bank of America credit card {$5800.00} I paid off everything before closing date and they charge me interest of {$98.00} but I paid off all the money I owed.
Product: Credit reporting or other personal consumer reports

Hey Ive attached FTC report for accounts reporting from fraud can you have equifax remove these items immediately. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

RASH CURTIS AND ASSOCIATES HAS REPORTED A TOTAL OF 14 DIFFERENT MEDICAL COLLECTIONS ON MY REPORT WITH DIFFERENT DATES OF ORIGINATION AND AS XXXX XXXX AS THE ORIGINAL CREDITOR .... I NEVER RECIEVED A COLLECTION NOTICE IN FIRST PLACE.. I CALLED TO INQUIRE ABOUT THESE COLLECTIONS AND WAS TOLD TO PROVIDE ALL PERSONAL INFORMAITON AS THE LADY TYPED IT IN SHE SAID THEY DIDN'T HAVE MY SOCIAL # IN FIRST PLACE AND NOW THEY DO ... IT UPSET ME GREATELY ... I ALWAYS HAD 100 % MEDICAL COVERAGE AS A XXXX EMPLOYEE AND CONTACTED THE HOSPITAL WHO STATED THEY WERE NOOOOO PAST DUE BILLS AND THEY DO NOT CONTRACT IWTH RASH CURTIS FOR COLLECTIONS ... AS I DISPUTED THESE WITH CREDIT BURAUS A FEW WERE REMOVED AND NOW RUSH AND CURTIS POSTED 9 MORE  COLLECTIONS WITH NEW NUMBERS AND AMOUNTS ... THIS IS NOT LEGAL AND MUST BE REGULATION AGAINST THESE FRAUDUENT COLLECTORS RASH CURTIS AND ASSOCIATES # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Mortgage

XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block 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 personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX )., These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer
Product: Credit reporting or other personal consumer reports

On XX/XX/, I noticed a charge off and many collection entries from XXXX. XXXX XXXX XXXX, XXXX, Account No. # XXXX XXXX. XXXX XXXX, XXXX, Account No. # XXXX and 3. Sequium Asset Solutions, LLC., Account No. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

XXXX5 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions.

I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

I became aware of several accounts that were opened fraudulently on my behalf after receiving notification from ny bank that there had been a breach and my info had been compromised. Among these was a secured credit card issued by XXXX XXXX XXXX. Upon realizing this, I contacted the companies that were fraudulent, including XXXX XXXX, to let them know and to close all accounts affiliated with or connected in any way with the fraudulent activity. This included my actual checking account through them. They informed me that they had all been closed at that moment. I then filed a complaint with the FTC for identity theft and disputed all accounts through the credit bureaus. Yesterday, I got an alert that the XXXX XXXX secured card was delinquent and had negatively effected my credit score. I logged into the credit bureaus to verify and filed disputes for account ownership once again. I contacted XXXX XXXX and questioned them about the account and why it was still open and on my credit report. They told me that although they assured me that it would be closed, they didn't close it because I didn't have any of the account information, such as the credit card number, transaction history and cvc number. Obviously, I would not have this information because I do not and have never had this card they speak of, I didn't open the account. They refuse to remove it because I cant provide them with the information they requested. It has been reported to the credit bureaus and is effecting my ability to finance the balance owed on my home, which I am now In jeopardy of losing. I have provided them with the ftc report and they stated that it means nothing to them. They in no way offer any resolve to this issue and I have not had any access to any accounts with them since I thought they were closed in XXXX. At which time, I cut up my debit card for my checking account and uninstalled the app. They refused to confirm or deny if the balance from the secured card was additional charges or interest accrued from them not closing the account after they stated they did. Although, I'm not familiar with secured cards and how they work as I've never in my life had one, I didn't think you could spend beyond what money you had deposited to begin with. That being said, I'm not sure how it could continue to be used after the deposited amount was gone and how that would cause a negative credit action anyway? From the little information I can see on my report, it states the credit limit is only {$100.00} but that the balance is {$150.00}. I am seeking simply that green dot bank remove this account from my credit report. If not fully, then they need to provide solid confirmation that it is MY account and at the very least, show it as close from XXXX and remove the negative consequences that I am receiving from their lack of compliance and their inability to do their jobs.
Product: Credit reporting or other personal consumer reports

Consumer Name: XXXX XXXX, Consumer Social Security Number: XXXX, Consumer Date of BirthXXXX XXXX, Contents of Complaint: This CFPB complaint has
been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Equifax
credit reporting agency, block 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 personal credit card account opened
at XXXX XXXX XXXX on XXXX  under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XXXX with a balance of XXXX  that appears related to the aforementioned personal
loan account opened at XXXX XXXX XXXX XXXX  These accounts have resulted in
several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO
credit report. I've attached a list of the hard inquiries in question as well as a copy of the
consumer FICO credit report maintained by you which shows the aforementioned fraudulent
items. I do not recognize the aforementioned accounts, collections, or hard inquiries as
reported. The aforementioned accounts, collections, and hard inquiries appearing on my
consumer credit report maintained by you were not opened, made, or initiated by me. All of the
aforementioned accounts, collections, and hard inquiries are the result of identity theft and
fraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number)
as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Your offer to contract Dated XX/XX/2023 # XXXX was Accepted via Constructive Notice Of Conditional Acceptance hereafter Notice United States Republic Postmaster Article No : XXXX XXXX XXXX XXXX XXXXwas enclosed and returned with an Affidavit Of Specific Negative Averment, hereinafter Affidavit to respond on a point by point basis, via a sworn affidavit, under respondents full commercial liability, signing under the penalty of perjury that the facts contained therein are true correct and complete and not misleading. And that certain documentation was requested make a physical inspection and enable the Trustee for the private trust known as XXXX, XXXX XXXX, hereinafter the Undersigned to verify and Witness the same in order to prepare a defense. You were advised to provide the requested information in order that I may study all evidence regarding this matter within ten ( 10 ) days of the receipt of this CONSTRUCTIVE NOTICE OF CONDITIONAL ACCEPTANCE dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ( i did not give written permission ) 15 U.S.C 1681c. ( a ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person should 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: Payday loan, title loan, or personal loan

Upstart Network is has shared my private information to a third party. I never gave written consent for Upstart Network INC. to sell my Private information. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.
Product: Credit card or prepaid card

Made purchase in early XXXX at XXXX XXXX XXXX, did not receive XXXX points per {$1.00} spent on XXXX XXXX purchase, contacted Security Service Federal Credit Union by telephone and email with rude responses and hangups and ignoring emails and ultimately did nothing.
Product: Credit card or prepaid card

I have a XXXX  Travel Card through Citibank, and I had a {$6.00} balance on the card, due XX/XX/2020. I attempted to pay it XX/XX/2020, and per the Citi website it posted XX/XX/2020, but returned XX/XX/2020, with no reason given as to why. I attempted once more on XX/XX/2020, this time trying to make the minimum payment of {$6.00}, and it posted XX/XX/2020, but returned XX/XX/2020, again with no reason. I was issued a late payment charge of {$29.00} on XX/XX/2020 as well. I called in to their line, and they informed me that an account number was incorrect somewhere, and transferred me to their collections department, who then said that I was at fault and I shouldn't have trusted their system when it informed me that the payment had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX 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 an account 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 the following 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. Account has NEVER been late.