23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Had charges on my account from a company called " XXXXXXXX XXXX '' which totaled at {$4900.00}. Charges I did not make. I disputed the charges back in XX/XX/year>. Charges were removed. On XX/XX/year>, Chase said the charges were valid and put the money back on my account. For over a month I was trying to prove I did not make these charges. Sending all the paperwork to Chase they were asking for to show I didn't make these charges. Chase still said the charges came from my XXXX XXXX  account. When I contacted XXXX to go over what happened, the associate was able to find a unknown device attached to my phone. They seemed to believe my phone was cloned and someone hacked my phone accessing emails, phone messages, and stole my credit card number as well. Adding that CC # to there phone so it looked like my phone was making the charges. I explained this to chase and they would not believe me. I tried to get them to talk to my associate at XXXX and they refused. This has been an ongoing battle that ive been trying to resolve.
Product: Credit reporting or other personal consumer reports

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

Subject : Request for Immediate Deletion of Debt and Investigation Identity Theft Dear CFPB Representative, I am writing to formally dispute a debt reported under my name and to request your assistance in resolving this matter. Despite my efforts to address this directly with the debt collection agency and related parties, the issue remains unresolved, causing ongoing harm to my credit and financial standing. 

Previously, I contacted the debt collection agency to request the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation and documentation of the debt. 
Name and address of the original creditor. 
Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. 
Verification of the debt via original contracts or supporting documentation.

Confirmation that the agency is licensed to collect debts in my state.

To date, I have not received any of the requested documentation, which constitutes a violation of 15 U.S.C. 1692g ( Verification of Debts ). This failure to provide the required information demonstrates a disregard for federal compliance and raises serious concerns about the validity of the debt. 

The debt in question involves Southwest Credit Systems attempting to collect on a cable account associated with XXXX XXXX XXXX XXXX XXXX XXXX ' collection agency ). This debt is directly tied to a fraudulent residence at XXXX at XXXX, which was obtained through identity theft. I have already informed XXXX XXXX XXXX that this debt is the result of identity theft. While they acknowledged this and subsequently charged off the debt, they have reportedly recovered funds for the loss. Despite this, the debt has been repeatedly sold to other collection agencies, perpetuating a cycle of harassment. 

Important Legal Consideration : Under federal law, once a creditor charges off a debt and recoups funds ( through insurance claims, tax write-offs, or other financial recovery methods ), the creditor forfeits the right to collect on the debt. Any subsequent attempt to collect would violate the Federal Trade Commission ( FTC ) guidelines regarding " double recovery, '' which prohibit creditors from collecting on a debt they have already been compensated for. This practice could also violate state laws and the Fair Credit Reporting Act ( FCRA ).

Additionally, as a victim of identity theft, I am entitled under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have fraudulent accounts removed from my credit report upon providing a statement of dispute and supporting documentation. I have provided all required evidence to both XXXX XXXX XXXX and the debt collector, yet they have failed to address this issue adequately.
Product: Money transfer, virtual currency, or money service

I have an account with Binance.US. I had successfully made a couple of wire transfers to fund my account. The bank that they used was XXXX XXXX. I attempted to do another wire transfer on XX/XX/2021. However, unbeknownst to me, they changed the bank that they are using to accept wire transfers to XXXX XXXX. As a result, the money did not reach my Binance.US account. It also did not get returned to my originating bank which makes me believe that while they XXXX no longer be using that particular account to fund Binance.US accounts, they still have that account open. However, no one seems to know where my money is that I wired. I have been in contact with the company for nearly two months trying to find out where my money is and to get it returned to me. A representative of the company has claimed several times that they have located the transfer and that they will be refunding the money to my original account. However, the money never shows up back in my account. At this point it seems like they are simply holding my money with no intention of returning it which seems like theft in my opinion.
Product: Credit card

When I received my XX/XX/2023 statement from Discover, there were 2 unauthorized charges from an auto company out of North Carolina. Discover has denied my request that these were unauthorized transactions. They want me to provide them with PROOF that these are unauthorized transactions. I told them I do not know who that company is and Discover told me that when they tried to contact the company, the company NEVER responded back. I closed this Discover credit card today when I spoke to XXXX, in Discover Corporate Office and he REFUSED to give me the mailing address where I can have the Small Claims Court serve them the legal documents. I have gone through the XXXX XXXX XXXX and Discover still claims since the credit card was in my possession and there were other valid transactions on this credit card, therefore these 2 transactions were valid. I asked Discover to please send me PROOF that these 2 transactions were valid, and they told me that they do NOT have proof. Discover ADVERTISES that as a customer you are NEVER held liable for any FRAUD or unauthorized transactions. I was a customer in excellent standing with Discover ( I had the card a little over 1 year and they increased my credit limit by {$2000.00} ). I always pay the entire amount in full each month. Discover is INTENTIONALLY MISLEADING their customers and INTENTIONALLY FALSELY ADVERTISING what they will do concerning unauthorized transactions. There is no excuse for Discover trying to hold me responsible for charges that I did not make and reported this to them as soon as I received the statement. It is sad since I am a XXXX citizen and not very good on the computer that Discover REFUSES to give me the correct mailing address so I can file a Small Claim case since they refuse to honor what they advertise. XXXX XXXX XXXX deserves better treatment than Discover gives us.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term XXXX  Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/1 Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX
Product: Debt collection

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.
Product: Money transfer, virtual currency, or money service

While banking with XXXX XXXX and utilizing Zelle, Ive accidentally sent money to the wrong person and was unable to cancel/stop the Zelle transaction XXXX I tried calling customer service and was told there was nothing that can be done.
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 XXXXXXXX, 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 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.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX  XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Checking or savings account

Pursuant to complaint Number XXXX filed with the CFPB to which Wells Fargo responded that they need more time to provide a more thorough response ... I am attaching this complaint and response as well as a letter received by myself from Wells Fargo Bank dated XX/XX/2020 stating the same that Wells Fargo Bank needs more time which is reasonable ... I ask Wells Fargo to look into ways their policies and practices can be deceptive to bank account holders as well as serious mistakes made as evidenced by my own awful experiences with Wells Fargo Bank ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a LOWEs credit line to purchase a refrigerator and stove. XXXX about {$1700.00} XXXX I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from Synchrony Bank. They stated my credit report showed the following : ( credit score XXXX ) XXXX ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) XXXX XXXX Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX XXXX XXXX show this?. Only XXXX has this information. 

XXXX XXXX Unpaid Collections Again, why doesnt XXXX XXXX XXXX show this? 

XXXX ) Lack of XXXX  account information : Since when do you have to have XXXX  information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over! 

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, Synchrony Bank and XXXX XXXX  from the same cup!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX CREDIT ( XXXX, Open Date XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX XXXX ( XXXX, XXXX, Open Date XX/XX/XXXX, Credit limit : {$1000.00} ), XXXX  FINANCIAL ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$7400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX XXXX XXXX KOHLS/CAPONE, XXXX XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly. 
15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data. 
15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues. 
15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports. 
Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Credit card or prepaid card

Account ending in XXXX Bank of America failed to supply complete monthly statements from XX/XX/XXXX to XX/XX/XXXX. Only partial account, nothing to arrive at proper balance or interest applied. 

need all monthly statements. I need a complete account number provided that Bank of America has not supplied.
Product: Credit reporting or other personal consumer reports

The below inquires are fruandlent and should be removed. 

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

I was locked out of my credit report by XXXX, XXXX and Experian while trying to do a dispute because they do not list my current employer.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>