23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$770.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$410.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 XXXXXX/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 an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Capital One should be investigated for XXXX. This Creditor unbeknownst to many borrowers, allows sensitive personal information to be at the hands of countries overseas. I do not trust my information in the hands of any nations overseas nor did I agree to my information being in the hands of individuals apparently having access to this information from outside countries. 

If Capital One put this in their terms and conditions, it is either difficult to find, intentionally misleading, or is omitted altogether. Given Capital One 's disastrous history with data breaches occurring, I believe Capital One 's entire business capital should be temporarily halted until it is determined the company can be trusted. Not informing potential borrowers of this outsourced handling of information is a breach of trust and a very sneaky and underhanded way of allowing American information to leak. I will be working closely with a law firm to affirm a class action lawsuit regarding this type of behavior. Any Capital One employee engaging in or allowing personal information for borrowers to be accessible to outside nations should be prosecuted for violating the security of Americans.
Product: Credit card

I was contacted earlier this year by XXXX XXXX XXXX, which claimed to be collecting on an account sold to them by Citigroup which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and XXXX for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case iXXXX XXXXt. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - The amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full Citigroup XXXX XXXX account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions.

15 USC 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: Mortgage

On XX/XX/2019 I received a letter by mail from XXXX XXXX XXXX stating that my payment for XX/XX/2019 had not been received. I sent an email to XXXX by way of the Messaging center of their website asking why the payment shows as being received, but not posted. No reply was sent to me. On XX/XX/XXXX I called XXXX customer service line and spoke to someone about the payment and why it wasnt posted. It appears that the payment I sent in XXXX of 2019 at the new adjusted total of {$2300.00} was received on time. The issue happened when the payment I scheduled for XXXX though my online bill pay sent the previous amount of {$2200.00}. A difference of {$110.00} due to escrow adjustments. 

After several conversations with the customer service department I understand that XXXX XXXX policy is to post all funds that are short of the total amount in an unapplied funds account. They did not notify me of this process. The unfortunate result of this is that I did not know that the payment was short, or even that the payment was not posted. I had XXXX indication of the issue. It was stated to me that XXXX had tried to call me multiple times to notify me of the late payment as early as XX/XX/XXXX, however that isn't true. I never spoke to anyone or had a message from them. XXXX has my correct phone number on file and routinely calls this phone number to ask me about refinancing. I was told by the Customer Service supervisor that they were not allowed to call my number, but that does not align with the fact that XXXX has called me dozens of times for refinancing offers including the call I received on XX/XX/2019 about refinancing. The unfortunate result of all of this is that my payment was not posted and paid until XX/XX/XXXX. The customer service team waived all the fees after reviewing my nearly XXXX history of on time payments and understanding the results of all of the unfortunate delays. 

My credit score is XXXX. Payments are never sent late to anyone ever. The posting of a late payment by Caliber Home Loans has left a significant impact on my clean credit. It was a series of unfortunate events that pushed my payments just past the XXXX period. In speaking to the Customer Service team, and the Supervisor, they told me that my only option was to send a letter to the Caliber Home Loans Credit Department by mail and ask for your help and review of the issue. I asked for their help in erasing this late payment. Review my history with the Caliber Home Loans, the calls and immediate action I took when I received the notice. 

The send me a letter on XX/XX/2019 and refused to make any changes. This has left a significant blemish on my credit score that I would like to have removed. It is impacting my ability to get the very best rate on a refinance. 

Thank you,
Product: Payday loan, title loan, or personal loan

This loan originated in early XXXX, around XXXX of XXXX and has since been refinanced like 4 times, and none of my payment were ever applied to the loan, payments were interest only payments, and they went out of their way to make it difficult to pay extra or even to pay loan off. If a payment was made online, it could only be for the amount due, the monthly6 interest payment. no extra. If i made it through XXXX XXXX, the payment incurred late fees, like they would intentionally take longer just to incur fees, and it seemed that XXXX didnt want to pay them, just how it seemed. If you went in, you could pay with debit, but in no way credit card, I think due to it being easier to get you money back from the CC.If you wanted to pay extra, only cash, the debit card used for the payment, was now not good enough for extra payment. 
The reason i had to get a loan is the VA mistakenly started garnishing my XXXX because they said i owed them money, but i dint, and i had been homeless just a few months earlier so i wasnt very stable yet. They didnt realize that in my previous life i was employed as an XXXX XXXX, i have my XXXX  but got XXXX  in XXXX and couldnt work, i got my 100 % service-connected decision in late XXXX, but lost everything in early XXXX, My house, my brand-new XXXX, all my belongings in the house, and was left homeless with what fit in my backpack. And now since i have paid almost XXXX on a XXXX loan, i must move at the end of this month on the verge again of homelessness. I found out about the local ordinances last week that they have been violating, intentionally, and they do not give a damn, they call me multiple times a day and Im scared they are going to repo my car. Not scared in the traditional sense, i have a weapon and TX  just passed a no-license carry law and i will not tolerate anyone of these XXXX  coming near me or my car. I sent them messages that Im not paying any more payments, i want my money back and my title, and they do not care, they just called and tct, and left messages, and Im getting to the point that enough is enough. they are making my life XXXX by what feels like taunting. I told them to jus stop! but they refuse., the main coorporation even went so far as to get a XXXX dollar low interest loan recently. The company is Loan Star title, or " Loanmax '' and the i dont remember offhand the big corporation but its in XXXX GA. 
BTW, my car need work, it hasnt run right almost all year, and isnt registered because it wont pass inspection, because I have no money to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i sent and disputed with all parties as well as sent in the require documents no response
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX  XXXX ( Multiple Accounts ) - Account Numbers : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX : {$53000.00} XXXX. XXXX XXXX XXXX. 
XXXX. US DEPT OF EDXXXX Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud
Product: Credit card

Dear MACYS/CBNA ; I was really shocked when I reviewed my credit report today and found late payment on my credit report on XX/XX/year> ; XXXX and XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or it when i was going through some medical emergencies including XXXX.
Product: Credit card or prepaid card

Dear CFPB, After more than 15 years with my Bank of America credit card and accumulated more than {$3000.00} dollars of reward points, Bank of America decided to close my account due to 2 months of inactivity. 
Due to the circumstances and current economic crisis, I decided not to use my credit card. I truly believe one is force to use their credit card if financially not stable. Bank of America uses tactics and promotions for you to use your CC and collect rewards points which at the end they have the control over them, not you like they advertise it. Bank of America are not very specific and clear about their reward points, they only care about using your credit card as much as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 
Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with Equifax which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in XXXX that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$7100.00} Equifax closed my dispute with CFPB stating that they were able to verify debt. I'd like to know how that is possible and how they were able to verify/validate debt? I filed same dispute with XXXX and XXXX with success, which tells me that Equifax is not really verifying this debt and the information into the illegal fees.
Product: Credit card or prepaid card

I co-signed on a credit card issued through Discover for my daughter. My income and credit score was used to approve the account. I was not notified that my daughter had failed to make payments and was not given the option to make the missed payments. My mailing address was used for the credit application and did not change at any point. I have not received privacy disclosures or any correspondence related to consumer protection notices. 

The account was marked as late over 30 days and negatively affected my credit score by XXXX points. Discover should not allow for only XXXX person to receive notices of late payments or privacy notices.
Product: Credit card or prepaid card

On XX/XX/XXXX two duplicate fraudulent charges in the amount of {$16.00} were made on my Bank Of America credit card. On XX/XX/XXXX I contacted Bank Of America and filed a fraud claim. The claim was at first honored. On XX/XX/XXXX my fraud claim decision was reverted and I received a vague letter stating that my card must have been used without any factual data being presented to me, which I could take back to the vendor to dispute this claim further. 

Upon contacting Bank Of America about this matter several times over the next month, I was routed to various departments and individuals, spending countless hours on the phone, with no resolution. Their fraud department told me that they were " looking into this '' on multiple occasions, with no real progress being made. 

Today was the last straw that broke the proverbial camels back. After wasting another 30-45 minutes on hold with Bank Of America 's fraud department, I was told that this was not in fact a fraudulent claim, but rather a dispute and that I would have to speak to their dispute department. I sat on hold for another 45 minutes, only to be told by the dispute representative that this was a fraud claim, and all they could do was transfer me back to the fraud department. 

I have been a Bank Of America customer since XXXX and have spent hundreds of thousands of dollars with them. However, this does not seem to mean anything to them, as I just keep getting pushed around. Its less about the amount of the claim in this instance, but rather the fact that this is how they worm their way out of honoring a claim and how they treat their long term customers. 

If you have any fiscal sense, I would highly advise seeking another banking institution before trusting your funds with Bank Of America.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Once or twice a year capital one blocks my ability to conduct any kind of online financial transaction. Each time it happens I have to find the nearest branch and get an officer of the bank to fix it. I dont know why this keeps happening and the bank refuses to explain it. It happened again several months ago and I am still waiting for people ( hiding from the virus ) to return to their offices and fix the problem. 

Last week something unique in my experience happened. I found several fraudulent purchases on my account. These do not appear to be 'for profit ' purchases. They are oddly random. The most current list of fraudulent charges is : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX The current claim number on this is : XXXX These purchases seem to have no purpose other than to drain a bank account. What makes them note worthy is that they are happening. 

If a bank suspends online use of an account shouldnt that mean that no one can use it? If the bank is preventing me from spending my own money online how is a hacker able to do it? If an individual had stolen my card/banking info ( and it could actually be used ) wouldnt they make purchases and withdraw cash for personal gain rather than such easily traceable transactions? Random purchases, that seem to benefit no one, from an account that is blocked seems more like some kind of malware attack than a robbery. It appears to me that capital one 's security has been breached. I have spoken to several bank tellers and used the phone number on the back of my debit card to resolve this problem. 

Although capital one seems to be correcting the fraudulent charges, they have so far refused to provide any explanation for the situation and at one point suggested that the whole problem is my fault. That would be a good position from which to obfuscate the situation if not for the fact that they are the ones preventing me ( and supposably everyone else ) from buying anything at all online. 
I would like to talk to this hacker just long enough to learn how this is being done so that I can use my own card again.
Product: Credit reporting

I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.
Product: Credit reporting or other personal consumer reports

I have 14 HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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.