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

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) I have also already provided the police report created referencing these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I made a purchase for the holidays on XX/XX/XXXX using my Kohls card. I usually buy something and paid it off in full. In XX/XX/XXXX, I paid off my balance and then some ( for interest ). I miscalculated my total payoff by {$1.00} short. I moved to a different city and changed my address with Kohls so I thought I would get notification if I still had a balance out. I did not know I still owed them {$1.00}. From XXXX I was reported as late for {$1.00}. I was going to purchase something from Kohls online so I logged into my account and seen I had {$1.00} balance. I was confused but I paid it off then Kohls shut down my account. I didnt realize my credit scored was effected until I randomly looked it up last month and sure enough it went from XXXX to XXXX!! For XXXX XXXX  I contacted Kohls right away to file a dispute. The representative informed me my address was not changed. Then I told her I changed it. She proceeded to tell me you may have changed it with your Kohls rewards but not with the actual credit card. I was mistaken. Ok so I asked her if they could please remove the {$1.00} balance since I didnt have any recollection I still had a balance and that I wasnt aware that Kohls Rewards and Kohls CC dont talk to each other with address changes. Then I get a letter from Kohls ( Capital One, N.A. ) informing me that they are unable to update anything to the credit bureaus and it stands where it is. I am blown away. For XXXX XXXX  my credit went from XXXX to XXXX. Please I am in the process of buying a home within the next few months and having such a low credit score disables me from borrowing the money needed. I dont know what else to do. Please assist in this matter. 

XXXX XXXX
Product: Checking or savings account

Starting around XX/XX/2018 I was unable to access the money in my account. There was over {$50000.00} in the account. The website indicated I needed to reset my password, which the website would not allow me to do. The website indicated that I needed to call customer service. I spent over 1.5 hours on hold across 3 phone calls to customer service to get my password reset. I tried to transfer money out of the account and again was blocked from movement of money in my own account. After another 4 phone calls and 2 hours of wait time. I was finally helped by someone via " CHAT ''. The {$10000.00} was removed from my account, but, never deposited in the account it was to be put into. I received another email indicating my account transfer ability had been suspended. So, where was my {$10000.00}? They took it out of my account, but did not deposit it in the other account as requested. After several more phone calls, they finally agreed to put my money in the correct account. But only after 7 days, so who got the interest on that money ... .no small sum, {$10000.00}, for 7 days? On XX/XX/XXXX, I sent a letter requesting that my account be closed and to transfer the remaining funds into the external account that was attached. This has never happened. I did transfer most of the money myself on XX/XX/2018.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : LEAD BANK Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit card

On XX/XX/XXXX I had over XXXX worth of XXXX on my AMEX account. On the same day AMEX took an unathorized payment of XXXX to pay off the fraud balance. This was withdrawn electronically from my bank account. I have been trying since XX/XX/XXXX to receive the money back. AMEX will not refund it via ACH since it is not XXXX XXXX. It is now XX/XX/XXXX and they still have not refunded teh money, continue to have my address wrong, I live in the XXXX, and have been Not find a solution. This was an unauthorized drafting of funds acknoweldge by them but they will not refund the money so I can get it.
Product: Credit reporting or other personal consumer reports

======================== 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX collection XXXX had violated my rights. 

I looked at my Experian credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

experian requested me confirm my name and other information to support my disputes which i did, and submitted my id theft .gov report. They then shared that information with the fraudulent lenders and credit card and collection agencies and updated my personal information on their record to display as accurate. This took place after my initial dispute.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I got logged out from my square account for my business. I tried contacting Square multiple times telling them that I am not receiving emails from them so that I can reset my password. They told me that I had to give them the correct email under my account which I am. They told me they can not help me if I dont give them the correct spelling of my name or email. I dont have access to my money thats in my account and neither do I have access to pay back my loan that I got from square.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/XXXX Someone Hacked My Western Union Account Which Os Connected To My Capital One Debit Card, And Sent Money To Various People, I Have Contacted Capital One And They Have Denied My Claim After I Sent Proof Of My Police Report & Prior Transactions From Western Union..
Product: Money transfer, virtual currency, or money service

I transfered my monthly XXXX XXXX  from my bank account to my cash app account of XXXX on XX/XX/year>. Cashapp immediately froze my account. I requested that they unfreeze my account on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> because their wasn't a reason for the freeze and I needed that XXXX money to pay my bills. They told me they can't tell me anything, that a specialty team will reach out to me via email. I have not heard from a speciality team on how to resolve this, they will not let me access my legal funds. I've verified my identity to the account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Acct # XXXX According to Navient and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and Navient on numerous letters ( Please see attached letters and their responses from Navient ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to Navient any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, Navient has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by Navient and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Product: Debt collection

I joined XXXX XXXX XXXX to try to pay off my debt. They told me to stop paying my financial institutions the debt and to start to pay them so they could pay it off for me while they negotiated a possible decrease on the debt with the debtors. I had two court cases that they said they would represent me in and they never showed up to either case. I told them and they said they were sorry and that something was wrong on there end. They again didnt show up to my second court case for a second time. They lied to me and said they were going to be my attorney but never showed up for either court cases with my discover card case. When I told them to give me my money back that I had deposited into the account with them, they gave me back XXXX dollars, and kept over XXXX for lawyer fees when they never showed up. These guys are a rip off. No one do business with XXXXXXXX XXXX XXXX. They are XXXX  and will steal your money.
Product: Debt collection

R & R claims I owe {$58.00} to XXXX. I spoke with them and they confirm my balance is XXXX. I had paid {$43.00} XX/XX/2015 making my balance XXXX $ R & R insists I should pay {$58.00} to them. I spent over an hour on the phone calling back and forth and got nowhere. They wo n't cancel the debt. PLEASE DO SOMETHING!
Product: Mortgage

I originally had my mortgage with XXXX XXXX- I never signed nor recall signing anything for BAYVIEW LOANS to be involved. They are committing fraud by stealing my money from the amount I owed on the house and raising the interest ; I have asked for ALL the documents with my signature to be to mailed and I have gotten no response. I need all documents and statements to be mailed as this fraud of a company is attempting to intimidate and and defraud me. I need to know how my and why my mortgage loan was sold, the amount and the rate. I need the documents and signatures.
Product: Checking or savings account

I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the XXXX with it back in XXXX when I opened the account in Branch. 

I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. 

So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my W9. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. 

So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call.
Product: Checking or savings account

On XX/XX/year>, I deposited {$300.00} cash into an ATM for Bank of America in XXXX XXXX. The ATM only counted {$160.00} and an error message came up that said they could not return the remaining cash ( {$140.00} ). The ATM then asked how much money total was deposited, which I type in {$300.00}. {$300.00} was deposited into my account. 

On XX/XX/XXXX, I received a letter stating ( posted on XX/XX/XXXX ) that the bank will debit {$140.00} of my account due to difference in currency. I called the claim department for Bank Of America and the person said that they will file a claim and temporary credit me {$140.00} while they investigated, which may take 10 days. I checked my bank and the money was not credited. I called the claims department back and there was no claim # on file for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX I Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
XXXX. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report
Product: Debt collection

I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!
Product: Debt collection

I am writing in regards to my now closed, Paid in Full, purchased by XXXX from Ge Capital Retail Bank. 
XXXX sued me over this debt but the case was dismissed without prejudice and I was advised by XXXX that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at XXXX, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " XXXX would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am a feeling a bit saddened to know that the Experian STILL haven't removed these remaining fraudulent inquiries that are reporting in my Experian credit report. What I just need was to REMOVE these inquiries that was causing my credit file harm. Again, I am requesting the Bureau to remove these inquiries immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX