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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX  SELF-REPORTED XXXX Balance : {$66.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Checking or savings account

On XXXX XXXX I lost my phone and same day there were two transactions which I didnt authorize, moreover, I even dont know the names of these people to whom funds where transferred from my bank account ( bank of america ) by using XXXX : XXXX XXXX {$300.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} ( this one was transferred on XXXX XXXX, I have not authorized this transaction and I dont know this person as well ) Total of {$600.00} disappeared from my bank account ( bank of America ) . I have opened a fraudulent claim with Bank of America, after some time they denied the claim by saying it was valid transaction since it the transaction performed through a device from which transactions were performed before, they ignored my statement that I lost my phone and that Im sure that I never authorized those three transactions. I have been sending them evidences to Bank of America that I lost my phone, that I bought new one, as well as new cellphone number, in order to reopen the claim. Bank of America keeps denying and not considering my evidences. The claim has been reopened and closed 3-4 times already. Im tired of it. Seems like Bank of America supports fraudulent activities, doesnt care about their clients money, maybe they did these transactions themselves, maybe some Bank of America workers . I dont feel like Bank of America is safe and I cant rely on them anymore. I want to close my account with them and go to another bank, but before I do so, I need to receive the refund of {$600.00}, please help me. I sent Bank of America enough of significant evidences and the bank did not provide anything, they just keep saying that they cant refund because it was valid transaction through valid device and keep rejecting my words and my evidences that it was not me. Thank you in advance
Product: Debt collection

On XX/XX/XXXX, I faxed over Documents to the debt collector ( LTD Financial Services ) ; They are located at XXXX XXXX XXXX # XXXX, XXXX TX, XXXX. This company is trying to collect a debt that is not owed. On my XXXX credit report ; it says that they are the original debt collector. It has caused damage to my credit rating and I would like to have it removed. XXXX will not remove it stating the company says its accurate although it is not. I would call this a fraudulent civil matter. I have provided them with legal documents that states it has been Dismissed with Prejudice from the XXXX county Court at XXXX XXXX XXXX. The court telephone number is XXXX and my case number is XXXX Div : XXXX XXXX. The Judgement has been signed on the filing date of XX/XX/2017 by " XXXX XXXX XXXX '' the Conty Court Judge. The filing ID is XXXX. The amount they are trying to collect is {$1900.00}.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency that I have with XXXX XXXX, does not match the date that I have. Under 15 USC 1681 B E, you must provide MAXIMUM POSSIBLE ACCURACY. I'm also asking full disclosure of the XXXX of my profile.
Product: Debt collection

For years I have dealt with this fee that has effected my credit and wasted so much of my time. I dealt initially with the XXXX XXXX fraud department and thought the issue was resolved. Now I am dealing with a collection agency, that has caused ANOTHER hit to my credit and more wasted time. I do not owe this money and want my name removed from all call list and this taken off my credit report.
Product: Credit reporting or other personal consumer reports

I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX Balance {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )
Product: Debt collection

I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.
Product: Debt collection

XXXX I called my XXXX XXXX XXXX and was notified that a third group named Bayou View Solution has purchased my debt phone number XXXX. I had been contacting the older creditor XXXXXXXX XXXX XXXX for several months to update a wrong balance. I recently talked to them. In my past i put in a disputes for records. These peole are targeting covid victims. 
XXXX I received a no caller ID call someone with the incorrect address claiming to serve me but provided me with the law firm contact XXXX. I called and was placed on a 10 minute hold. He said I was being sued for {$16000.00}. I was in shock knowing my consumer report I first thought it was fraud and Identity Theft. He then came back and said that he was wrong and it was the amount of {$6000.00} same incorrect balance as XXXX XXXX reported same debt which I had mentioned they sold to this group making threats in the middle of the afternoon while I am at work. The male was rude and did not provide me with his name nor allowed me to speak. He then hung up on me. Twice I called back 3 times. To file a complaint. He said let 's talk in court with the papers, I said this is a recorded line and I am asking his name and details about my account. He then said he wants to file a cease and desist. This was an alarm to me and this tactic is not fair. He also said this company had been looking for me but they could not reach me so they are now trying to serve me. He hung up and blocked my number as I asked for account information. I could not contact him after XXXX because my phone was blocked. My concerns are with Bayview Soul Solutions. I never heard of this company. I have my credit report and credova has the debt. I had contact with them several times. To dispute the balance .They removed the number of experian in XXXX I have my credit report with the claim. Please have this company delete this balance. Using scare tactics to harm innocent bystanders in a natural disaster. He does not have details on the balance. This is not accurate to the agreed amount. During covid 19 after devastation bills were not paid on time. They then manipulated the contract digitally. I had not been aware of any disclaimers in my contract. This was a simple loan for {$2400.00} I paid {$500.00} deposit. Then made a monthly payment of {$240.00}. If they will not provide the information in the original purchase history this contract is not valid. If I need my attorney will be present in any of my decisions.
Product: Credit reporting 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 XXXX 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 : ( XXXX ) 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! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXXXXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent and may adversely affect my credit score. The details of the disputed inquiries are as follows : XXXX. XXXX XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX XXXX. XXXX / XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX  : XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX : XX/XX/XXXX Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers are protected against unauthorized access to their credit information. Specifically : 15 U.S.C. 1681b ( c ) : Prohibits users of consumer reports from obtaining such reports without the consumers consent for employment purposes. 
15 U.S.C. 1681e ( a ) : Requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Left message saying this is XXXX from investigations services, I need to verify location information regarding certified documents, if no contact today, our field agent will be distracted to the property address or the place of employment record. it is very important and no response will result in an order of noncompliance in a filed action for service. Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan

I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with Department of Financial Institutions ( DFI ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. DFI suggested that I log a complaint against such institution here at cfpb Lendgreen : {$1000.00} https : //www.lendgreen.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution under the electronic Fund Transfer Act ( EFTA ) and regulations E, These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting a late payment on my consumer report from XXXX Credit Card but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

I received an email alert from my credit monitoring company about a collection hitting my account. I was not aware of this debt. I contacted the collection agency and they would not disclose any information about who is filing this collection. The agency said their job is to collect the debt period. To make matters worse, the debt is from XXXX of XXXX. I asked why no one had contacted me prior to placing a collection on my account. The collection company, PRO COLLECT, had no response. I have been at my current address since XXXX of XXXX. So there is no reason I should not have received a bill. In XXXX of XXXX I was working for a large computer company and IF I did go to the medical facility as they have indicated my company insurance would have pay any charges and informed me directly if they were not going to pay a particular charge. By waiting 6 years to attack me, my insurance company is now out of the picture. I do n't think this is fair. I have a high credit rating because I pay my debts. I do n't like the way this company can place a collection on my account without ever telling me. XXXX the comments I kept getting from different people I spoke with at " PRO COLLECT '' was " Were sorry if you never got a bill ''
Product: Checking or savings account

Part 3 of complaints with Wells Fargo. I had to call the " executive office '' today to find out why there was a failure a second time to contact me with a solution to the mistakes made by Wells Fargo. The first thing I'm told this time is they wanted to get to a resolution on XX/XX/XXXX. This is the third time they failed to rectify some serious mistakes they have made and refused to contact me regarding such. I was assigned a new agent and again, " they are not available. '' This is a continuous pattern of intentional neglect of consumer rights and banking policy. They refuse to work with customers and refuse to work within policies.
Product: Debt collection

Debt collector has failed to prove and produce accurate amount of money owed. Failed to provide proof of agreement to pay debt. Debt was then transferred to another company when credit bureaus removed debt from my credit.
Product: Credit reporting or other personal consumer reports

I set up an automatic payment plan for a XXXX card, XX/XX/XXXX - XX/XX/XXXX. XXXX was agreed to be the month where the remaining balance would be deducted. XXXX payment was reverted. Company said it was taken out of my account and then put back in. No explanation why. As an XXXX XXXX military member at the time, the letters they sent me went to the wrong address and I received no other notification of this issue until my lender told me I would not be able to refinance my mortgage, as a XXXX veteran I was utilizing the IRRRL program and am no ineligible because of the hit this has created on my credit report. This is absurd and if they had contacted me directly, through phone or email I would have paif immediately. Please help as this is compounding and effecting my entire life now, all because I was XXXX XXXX military, returning from XXXX overseas and did not have a physical address.
Product: Debt collection

SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).