23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Ive had a XXXX XXXX account for years. I have used it to PAY people but not frequently. I removed my banking information etc on there a while ago, did all the extra security measures when I noticed random people sending me requests for money at odd points in the day and night. I did all of the measures XXXX XXXX customer support told me to do. I reported every person that requested money or sent me money, including the last transaction someone sent of {$XXXX} that I have not touched in the account as its not mine. They would not do anything about that and did not close my account on my behalf until months later for what they deemed as gambling activities. So they were clearly aware something was going on. To my surprise, suddenly I receive a XXXX. I have not and never used the app to receive transactions and payments. I received a XXXX form from XXXX XXXX in the mail stating that from XXXX I made {$XXXX} in transactions and it is filed under my SSN. I contacted them and let them know someone XXXX have stolen my identity and told them it was fraud and someone committed fraud with my identity on their app, to look into it as well as correct the form so I can file my taxes because my statements on my actual XXXX  account show I DID NOT make those transactions. They have not been proactive or of any help, they have not emailed me with updates, and everytime I call they tell me they cant provide me with an update. I have proof via my account that this was not me and was done fraudulently with their app services and someone is making money off of my XXXX and XXXX the victim that has to pay taxes on them. XXXX  has been absolutely unhelpful and useless. They went as far to tell me to wait until the investigation is done before I file any sort of report to the IRS etc. They told me the only way XXXX receive updates is via email and if I do not receive an email its because theres no update. Theres no team you can call directly other than cash app support. Its frustrating and absolutely ridiculous given how time sensitive this is.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX XXXX Account # 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than sever years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no knowledge of this account, JEFFERSON CAPITAL, ACCT # XXXX, but it is being reported on my credit report. It has been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I would like this DELETED FROM MY CREDIT REPORT as soon as possible.
Product: Consumer Loan

Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to WELLS FARGO BANK N.A XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Product: Credit card or prepaid card

I got a Apple credit card in XX/XX/2019. I used it many times in XXXX then charges started getting declined. I contacted them the 1st time they told me they thought it was fraud. I asked why they did not contact me and they said they should have. I told them there has been many charges to same company so why this was rejected they did not have answer. Told me it was noted and should not have any problems. Oh and these declines dont show up on statement or my online acct. then this happened again and called again. This time they restricted my acct because I question them about why there declining my charges. They asked me all sort of question like when I applied and even want to call my bank to make sure it was my account. Then told me it was under review. I talked to them a few times in 6 months now they all say they can help and never seen this before but when it comes down to it they say its under review and someone will contact me. I spoke to someone just days ago same story. I did pay the account off before it was even due and told then that I was paying it off with acct they have on file still did not matter. Apple/Goldman Saks should be fined or somthing I get a credit card and its useless then I get treated like a criminal. I even asked for there presidential office to be forwarded this issue. Nothing. So thats why I making complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.
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 {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. 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 -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

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

10. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit reports from TransUnion XXXX and XXXX I found inquiries that I have no knowledge of please delete these inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have never been late on my regular note. I send an extra XXXX a week, by check..to the address Chase stated and written on the check is " principal payment ''. I do this because it adds up to an entire payment going to principal a year. However, Chase continues to post to interest, I have to check each payment, take a screenshot of the posting and call them. They can take over a week to correct the posting but meanwhile I'm being charged interest on the principal total, so I believe basically that my extra principal payments are being eat up in interest because of Chase 's poor posting habits.
Product: Debt collection

I had left an XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, I was only in the house for about 2 months and the rent was paid the time I was living there. Ive been asking them to remove me from that account since I moved out for the safety of mine and XXXX XXXX XXXX but they wouldnt do it. I didnt know he let the house fall into delinquent conditions after I left considering he was still living there and I stayed away from him for safety reasons. This company doesnt care about your living conditions at all, especially since I couldve been XXXX XXXX XXXX XXXX and they refused to remove my name when I called them about it. Ive been trying to put my life back together after being a victim of XXXX and XXXX XXXXXXXX and as it appears from this company I am being punished for another person actions when in fact I am the victim who escaped with her and her sons life intact
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items 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 XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

on XXXX XXXX XXXX CrossCountry Mortgage started to pay taxes on a property that i do not own this amoun twas XXXX on lot XXXX in XXXX nj. 
this made my escrow to go negitive. On XX/XX/XXXX CrossCountry Mortgage paid XXXX for insurance this payment should never been paid due to the fact I had Homeowners insurancs. This made the escrow to go more negitive. 
On XX/XX/XXXX CrossCountry Mortgage paid XXXX for HomeOwners insurace again. This made the esrow more negitive. XX/XX/XXXX they again paid the wrong property tax in the amount of XXXX again adding to the negitive in the escrow account. 
the negitive amount is now XXXX. This is after i made a payment of XXXX thia amount is XXXX which is the correct amount plus XXXX to cover their mistake. 
I have call them over 50 times trying to get them to understand their mistake but they would not listen. i sent them a letter of mistake, i sent them all paperwork need to prove their mistake, tax records for my property and the wrong property. I havegotten refunds from the city of XXXX nj. CrossCountry Mortgage only wants me to pay the higher amount, I am told well it takes time i need to give them more time. 
I have given them since XX/XX/XXXX and they have done nothing. 
CrossCountey Mortage said they look into this matter and sent me a letter saying they were paying the correct taxes.They never looked at the paperwork i signed with them which has the correct lots on it
Product: Debt collection

I have received phone calls from unidentified reps of D2 Management LLC, I only was made aware of the company name when I returned the call after I was repeatedly asked for personal information including DOB, SS # even my phone number after calling me. When I asked several times for them to identify themselves, their company, and the purpose of their call they refused
Product: Vehicle loan or lease

I made a final payment after my loan was sent to their collections department. I was told Id receive my final statement and title within a month.. I never received anything. My car was repossessed and they are telling me I have a remaining balance after I have given proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a credit card from XXXX XXXX XXXX in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted XXXX XXXX  XXXX, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to Experian, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru XXXXk XXXX XXXX. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, XXXX XXXXXXXX XXXX actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with XXXX XXXXXXXX XXXX that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with experian and they removed it and supposedly started an investigation. However, here it is again and experian said they completed their investigatin and that XXXX  XXXX XXXX said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both XXXX  XXXX XXXX and Experian it would be taken care of. Experian investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. XXXXXXXX XXXX XXXX says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by XXXX  XXXX XXXX and Experian. XX/XX/2022 I make contact with XXXX  XXXX XXXX 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job XXXX  XXXX XXXX, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed XXXX fraud claims with XXXX XXXX XXXX for the same situation and 1 with Experian. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.