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

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 resulted 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 IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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 IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I want the following inquiries removed from my file. These are not mine and I did not authorize or recognize. It appears that someone may have used my personal information without my consent to make these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I got a loan from Wells Fargo to purchased XXXX XXXX XXXX at XXXX Of XXXX XXXX, California. 
I paid off early, i suspected they over charge some fee.
Product: Checking or savings account

XX/XX/scrub>XXXX 2024- Bank notifyed that an unauthorized individual was noted on my accounts. requested information of how access was granted, how long individual was on accounts and what access individuals were given to accounts and personal information.

Bank response : Accounts immediately locked and access denied without notification After XXXX days access was granted individuals removed from account, No coorespondence regarding finding.

XXXX 2024 - 1st attempt for resolution via certification letter through USPS to XXXX  department - NO response received XXXX 2024 - 2nd attempt at contacting XXXX department via certified letter through USPS - NO response received.
Product: Debt collection

It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX  XXXX  Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXXF XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This spans back to complaint XXXXthat was filed back on XX/XX/year> where I contacted the first debt collector that Affirm XXXX XXXX XXXX. The only response I received from this was that Affirm was investigating the dispute, and would notify me by my preferred method of contact once the dispute had been resolved. Well I never heard anything from Affirm instead I get that they sold the debt to another collector by the name of XXXX. I have not contacted them yet but will tomorrow XX/XX/year>. I am very frustrated this debt is not mine I did not purchase anything from Affirm Inc . But now the debt has went from XXXX with account number ending in XXXX to the new amount sent to XXXX with the amount of XXXX with the account number now ending in XXXX the debt was purchased under an address that we have lived there in almost a year. And this statement only has that address listed on it XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. I am not paying for a debt that I never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Owed : {$540.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago I brought the problem with this company to your attention ; Experian is constantly reporting late or incorrect. About 45 day ago I paid off all my debt. The payoff where submitted to all the credit burls on the same day. XXXX   and XXXX are reporting my score is the 700 's, but Experian is reporting XXXX. I'm not sure if this is race base or anti military I just tired to trying to make a purchase and have to pay more for the purchase because of incorrect reporting on Experian behalf. 

Experian is report ( 4 ) item 's that effecting my score, as follows 1. I have serious delinquency or derogatory indicator, public record and/or collection on my credit report.

2. I have a recent public record and/or collection on my credit report.

3. The remaining balance on my mortgage or non-mortgage installment loans is to high.

4. I have few accounts that are in good standing.

My rebuttal to these incorrect report lines ; 1. 45 days on the letters that the other reporting agency have record it.

2. I have paid off all my debt there was a dismissed bankruptcy that is on the report.

3. I don't have a mortgage yet " there statement is out right lie ''!

4. All my account are in good standing " another outright lie ''! 

Inclosing I returned from XXXX in 2008 and would just like to move on with my life company like Experian has made this more difficult. I just want to have them report the right way so I can achieve my goals.
Product: Checking or savings account

On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. 
We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. 
Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. 
XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.
Product: Money transfer, virtual currency, or money service

As part of the $ XXXX predatory lending scam which XXXX XXXX head of CITI mortgage did on my mortgage completed XX/XX/year>. {$490000.00} was wire transferred from XXXX XXXX, XXXX, XXXX to CITI bank XXXX in NY. 

This is the wire fraud equity grab that XXXX XXXX did to bankrupt the family with a predatory loan of $ XXXX on a $ XXXX salary. so house was {>= $1,000,000} and XXXX XXXX told my then husband to hand over every cent we had.. $ XXXX .. and he would give him a mortgage for the rest.. approx $ XXXX with closing costs. 

So for reasons unknown immigrant husband agreed. And wire transferred the $ XXXX to XXXX XXXX 's receivers in CITI in XXXX. Wire fraud to complete the transaction known as an EQUITY GRAB This ensured the home would foreclose and XXXX XXXX would pull off the total fraud of {$1.00} XXXX... present value today approx {$4.00} XXXX. 

You can read all about how CITI did this in 'How did they get away with it. white collar crime and the financial meltdown ' by XXXX XXXX XXXX. 

XXXX XXXX needs to make restitution on this massive fraud. 

I do have copies of the actual wire transfers but will not attach them today.
Product: Debt collection

During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XX/XX/XXXX I contacted the collection agency via certified mail, to request debt verification. I received a response on XX/XX/XXXX, which contained a generic printout with very basic information. The agency did not provided a copy of a signed contract with the original creditor, or a written statement from the original creditor. The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. Furthermore, the miscellaneous notes on the provided document indicate that the original debt occurred on XX/XX/XXXX, which is considerably more than FCRA allows negative information to be reported.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I contacted Navient to make automatic payments- I gave them the correct bank account number but the customer rep did not repeat it back to me. Apparently they got the wrong account number and didnt get to process the payment. In XXXX they reported my account as delinquent to the credit bureau which affected my credit score. They said they would look into the previous phone call but have not contacted me and its been almost a month. They offered no other solutions to help fix the wrong credit reporting they did. Please help.
Product: Credit card or prepaid card

I have a business XXXX account when I received the XXXX card in the mail I called to get it activated and the customer service rep told me that I needed to provide proof of my Identity. So I sent a picture of my driver license and a picture of my social security card as well as a copy of my voters registration card and mail with my name and address on it. I called the pay pal customer service back to make sure they received it and they said that it could take up to six hours before they could do anything about activating my card. So I waited till the following day and called the number to activate my card the system said the card was not recognized and I was transferred back to customer service and that's when the customer service rep told me that they had cancelled my card because they could not verify my identity. Which made no sense to me after all the documentation I had supplied them the day before. and when I asked to talk to someone else higher up the lady would not give me a number or transfer my call she just kept on saying it is our right to refuse to activate cards if identity can not be verified.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Cashapp suddenly closed my account claiming I had violated terms. I immediately appealed this, as I know I did not violate terms nor have I done anything fraudulent, illegal, or unusual. They advised it may take up to 30 days for the appeal to be resolved. 

I waited over 30 days with no update, and asked for an escalation on XX/XX/year>. This was refused so I requested to speak with a supervisor and was told one will reach out to me. On XX/XX/XXXX I received an email that my issue was still being worked and it may be 30 days for resolution. I replied that I had already waited 30 days. They replied that my appeal was denied and my account closed because I violated terms. 

Suddenly after 33 days my appeal was resolved within the hour? Funny. So I requested the specific terms violated, and date and time of the violation. 

I was refused, as I have been numerous times, of any information or proof that I committed any violation of any term. 

This is an unfair and discriminatory way to do business and I intend to file a complaint with every regulatory agency possible.
Product: Debt collection

My name is XXXX XXXX. I became a victim of identity theft a couple of years ago. After that incident I have noticed many incorrect and unauthorized items appear on my credit report. So, I am requesting that you delete all the following inaccurate and fraudulent items from my credit report immediately. Here are the Accounts- XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX Account XXXX XXXX I sent certified mail several times to address this matter and no response at all I have proof that I sent, and they received because they signed for it. they are trying to collect the wrong thing they don't have the right to collect on this account. I never signed anything with this company. I even sent it to XXXX, and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


The credit reporting agencies have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft, and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). They have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit card

In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says " BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were " pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the " Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation.
Product: Prepaid card

Called number on fraudulent card and requested it be closed. Passed around a group of people and never was able to report fraud.