23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove ASAP.
Product: Credit reporting

XXXX is reporting to Equifax Which they have not verified the debt that I Owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the three credit bureaus to verify the accounts on my report by showing me a contract bearing my wet ink signature or what laws they have used under Title 15 u.s.c.1681 to verify the accuracy of the trade lines on the report. I have received no response in writing as requested and they continue to report the inaccurate information. This is a direct violation of my consumer rights under Title 15 U.S.C. 1681 as willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$55000.00}, {$28000.00}, {$5900.00}, {$24000.00}, {$9900.00}, {$0.00}, {$0.00}, {$0.00}, {$15000.00}, {$1600.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report 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. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$55000.00} -This is not my account. 











XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$28000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with balance of {$5900.00} -This is not my account. 



-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$9900.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$15000.00} -This is not my account. 















-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1600.00} -This is not my account.
Product: Debt collection

National Credit Adjusters Have called 3 times now since I had a credit app ran for a new place to live. This is the only way they have gotten my work number since I have n't applied for anything using that work number. They were told each time that it was a place of business not my personal phone number and if they needed to inform me of anything to send it in writing to my address ( since they got my work number they should also have that ).
Product: Money transfer, virtual currency, or money service

I made a new account with chime like a few months ago after 3 years of no contact with them after calling an calling they finally let me make an account then they held my funds in there bank an froze my current account claiming I made a new account illegally I find it wrong they are refusing to send my last paycheck from 3 years ago in a previous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account was recently compromised when my ex-husbands ( XXXX XXXX military ) bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX XXXX. 

In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. 

In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. 

In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. 

In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. 

USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. 

USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. 

During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent items appearing on my credit file. I am a federally protected consumer and my rights are being violated. I have been attempting to have the credit bureau remove this false information but they have been persistent in violating my constitutional rights. Pursuant to The Fair Credit Reporting Act I should not have fraudulent items appearing on my credit file. I was also never given clear information on how to opt out of credit reporting from these companies. Pursuant to the Gramm- Leach- Bliley- Act I have to be given clear instruction on how to opt out of credit reporting. I do not give permissible purposes covered under the Fair Credit Reporting Act for XXXX XXXX XXXXXXXX XXXX and XXXX to appear on my credit file. I am demanding that they be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I have no binding agreement with your company. No consent is Identity theft. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the following accounts. Furthermore, you failed to validate this debt. The original creditor stated that they have no record of this information. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Enclosed with this complaint is the true bill documenting the violation of the following accounts. Remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a consumer of the United States Corporation. Navient has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip onXX/XX/XXXX
Product: Checking or savings account

Albert ( XXXXXXXX XXXX ) has been charging my account and closing / reopening and closing in a non proper form. First of all they emailed me saying they were closing my account due to non normal suspicious activity yet couldnt say what the activity was. So they close the card and then tell me to withdrawal all the funds within 5 business days to an external account. When I try to withdrawal the funds it sits in initiated and never goes through. There were unauthorized charges on my account from XXXX XXXX XXXX XXXX. Albert advised me to go contact the merchant myself to deal with the fraud. So then I reached out to this merchant and advised them of the unauthorized charges. At that point they attempted to refund all the charges which is over {$800.00} Albert then declined the refunds, and then messages me telling me they temporarily lifted the suspension and I need to go tell the merchant to issue the refunds again because Albert declined it. The merchant is confused and doesnt want to double credit. Albert tells me they already declined it and I need to go back to the merchant. I disputed the charges as unauthorized and they do not care. Albert told me to go handle it myself but then blocks the merchants refunds then unblocks the card and tells me the next day they reblocked the card once the merchant attempted the refunds again. This is not good service this is consumer abuse.
Product: Checking or savings account

{$2900.00} Was taken from me while i was at a military course from XXXX XXXX XX/XX/XXXX. Someone hacked my XXXX and stole my card information and stole XXXX $ on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. There was also additional money taken from XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I havent used XXXX probably since XXXX. And i have neglected paying attention to my bank account. But what truly caught my eye was the XXXX $ on multiple days. I have sent navy federal a memorandum made by my leadership in the military vouching i was at a course, and i did not have access to my phone or any bank accounts for XXXX weeks since this course does not allow phones. I was gone while these transactions were occurring and i did not authorize it, i explained it and they did not believe me and denied my claim. The XXXX $ that they gave me temporarily, was taken from my account. I asked for more information but all they told me was they dont see a fraud.
Product: Debt collection

To whom it may concern : A certified mail debt validation letter for was delivered to MIDLAND FUNDING on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. MIDLAND never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted MIDLAND FUNDING. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date :XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX    XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Student loan

I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending. 
The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise. 
I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes.
Product: Checking or savings account

On XX/XX/XXXX I did an ach deposit from XXXX XXXX  and XXXX ( envelope money ) into Capital one. They have held my money {$2200.00} hostage for XXXX XXXX  months now and won't do anything to release it. XXXX has reached out to capital one multiple times and capital one wont work with them. I guess the next step is to get a legal team involved and will sue Capital One for holding my money hostage as causing life problems because I can't get my money. They never answer the phones when I call and make me leave a message and never contact me back.
Product: Credit reporting or other personal consumer reports

After Been Released From Hospital For Second Time In 3 Months ; My Sister Ran My Credit Report And Found Fraudulent Activity From An Address Of An House I Sold 5 Years Ago.. On XX/XX/XXXX I Signed And Filed A Complaint With The Federal Trade Commission XXXX XXXX XXXX ) That Those Are Fraudulent And Not Mine.. 

I Never Had A Credit Card Of Those Types & Names Before Nor Have I Applied For A Credit Card In 9 Years... I Sent A Copy Of My Drivers License, 2 Credit Card Receipts And Gas Bill That Proves I Don't Even Stay In The State That's Is My Address. 

Please Also Remove Fraud Alerts From My Profile Also, I Never Asked Or Requested Especially When I Request False Information Replace With Accurate Information..
Product: Checking or savings account

I've applied for a checking account online using promo code XXXX on XX/XX/2023 which was publicly available at the time, and uploaded my driver 's license as instructed at the end of the application. On XX/XX/2023, I've received a follow-up email from Capital One asking me to finish the process using Application ID XXXX which I did promptly. It did look like my account has been opened on XX/XX/2023 after I've completed everything that was required. However, unbeknownst to me the account would be restricted the very next day on XX/XX/2023 as an email from the bank arrived again asking me to complete ID Verification. It did seem a little strange for the bank to ask for something I've already provided, however I decided to give it one more shot by uploading the driver 's license again on XX/XX/2023. Unfortunately no response came back from Capital One ever since and my account remained restricted.