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

The account " Affirm Inc '' is absolutely fraud. I did not open this account or authorize anyone to do so. This is a complete violation and needs to be deleted right away. I have attached a copy of an ID Theft Affidavit packet. This is damaging my credit and making me lose out on my financing goals.
Product: Credit reporting

XX/XX/XXXX, XXXX filed a lien and issued a warrant against me for an outstanding XX/XX/XXXX tax bill. For several months in a row, from XXXX through XXXX, I had submitted payments to reduce the amount of that tax bill through the web site, via debit card, from my checking account. 
When I consulted the web site for XXXX to track the reduction of my bill and stay current with the balance, I SAW THAT THE BALANCE AMOUNT HAD NOT BEEN REDUCED, EVEN THOUGH I HAD MADE PAYMENTS IN A TOTAL OF OVER {$2700.00}. I called the office for the XXXX and discovered THAT THE PAYMENTS I HAD MADE, AS DEDUCTIONS FROM MY CHECKING ACCOUNT, HAD NOT BEEN CREDITED TO THE BALANCE OF TAXES OWED! MY BALANCE IN XXXX REMAINED THE SAME AS IN XXXX! MEANWHILE, THEY ISSUED A WARRANT AND A LIEN UNDER FALSE CIRCUMSTANCES AND HAVE ADVERSELY AFFECTED MY CREDIT SCORE. THANK YOU, XXXX. 

The situation has now been resolved. The current balance is {$0.00}, but the dent in my credit score remains.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received a push notification the evening of XXXX that my atm card was used at an atm location on XXXX XXXX XXXX in XXXX XXXX. I was not in XXXX XXXX that day, and my card was in my possession. My card was not stolen, no one other than myself has a card or permission to use it. I am also the only person with the PIN number. I automatically called the bank to inform them of the fraud that was committed, and was told I had to wait until the transaction was no longer pending before I could put in a dispute. On Saturday morning the date of XXXX, I put in the dispute by phone, and once again reiterated that the card was not stolen, was in my possession and that I had not made the transaction. I was told it could take up to 45 days to resolve the dispute. The dispute was denied on Monday morning, the XXXX of XXXX, and I was not given any explanation. I was told I had to wait up to 10 days to receive an e-mail explanation. I received the mail this morning, which is XX/XX/XXXX. The e-mail is quite suspicious, as it does not indicate the name of the business/bank atm where my supposed card was used, the address of the merchant, or the name of the person sending the document, or even the date of the document. I am extremely upset about this entire thing, as I am out XXXX that I did not authorize, and am strongly feeling that this was I side job at chime bank. Please advise on what I can do at this point.
Product: Checking or savings account

On or about XX/XX/XXXX, I discovered that {$5000.00} was transferred out of my checking account without my authorization. I also discovered that additional funds had been transferred out of the savings account I hold jointly with my daughter. The money went to accounts ending in XXXX, XXXX, XXXX, and XXXX. I did not open these accounts and have no knowledge of them. 
Here is a listing of the unauthorized transactions : 1. {$5000.00} was transferred out to XXXX from XXXX checking XXXX on XX/XX/XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized transactions in and out occurred in the XXXX savings account ending in XXXX. They are as follows : a. {$5000.00} transferred out to XXXX on XX/XX/XXXX b. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX c. {$5000.00} transferred out to XXXX on XX/XX/XXXX d. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX e. {$5000.00} transferred out to XXXX on XX/XX/XXXX f. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX g. {$5000.00} transferred out to XXXX on XX/XX/XXXX XXXX. As a result of unauthorized activity, account XXXX had the following debits for funds transfer returns and returned item fees : a. {$5000.00} funds transfer return on XX/XX/XXXX b. {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX I disputed the transactions during numerous phone calls with USAA representatives between XX/XX/XXXX and XX/XX/XXXX. Some of the representatives were XXXX, XXXX, XXXX ( XXXX ), XXXX, and XXXX. I was told : Some of the transactions originated from locations in XXXX and XXXX XXXX. I have not been to XXXX XXXX since the summer of XXXX when I drove through it on the way to XXXX. I have never been to XXXX. I can submit data from my cell phone to confirm this. 
A checking account was opened XX/XX/XXXX, using a device under my account. I told the representative that I did not open this or any other additional checking accounts. They would not tell me anything about the accounts or the device used. A forensic expert is welcome to examine all my devices to confirm that I did not use any of them to create the additional accounts. 
I did not authorize these transactions. I did not authorize anyone else to make these transactions. I did not benefit from these transactions. I do not know who made these transactions.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent inquiries on my credit report. These inquiries were made without my knowledge or consent, and immediate action is required to remove them from my record. 

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 have already submitted an identity theft report to the Federal Trade Commission ( FTC ) and am requesting that these unauthorized inquiries be removed promptly to maintain the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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

jpmcb is reporting in my credit report that I made late payments where none of this is true
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX  Account XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with false information and credit bureau has not done proper and fair investigations despite providing evidence with my disputes. This applies to XXXX accounts that have been disputed and remained unresolved and incorrect. I will attach proof of previous disputes as well as evidence provided to credit bureau.
Product: Bank account or service

When I began gender transition, and changed my name, my bank began becoming more hostile to talking to me on the phone. They told me I did n't sound like a [ my name ], and would become upset with me. When I tried to get to the identity verification process, they asked me to email them court orders, drivers licences, social security cards, and I have done all of this, and they have sent me a token ( like an RSA token ), but they forward me every time I call them to an extension that drops the call. 

I have been unable to access my bank account via my phone or via my computer login now for over a year because they view me as being " suspicious. '' The only way I am able to access the money in my account is with my debit card and with direct deposit into that account. I only assume that purchases work. 

This bank does not have local branches so I can not walk into a branch and show that I am who I say I am. 

Compounded by this, I used this bank for my auto and renter 's insurance. I no longer have access to any of this, which I accessed through the app on my phone, and all of the above has lapsed, and I can not verify who I am on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, a dispute was submitted to TransUnion. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX  when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. Transunion records says that The Department of Education and the XXXX XXXX submitted to XXXX  XXXX University {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with Transunion and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX  and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an undergraduate, theres no way these amounts were given to me while at XXXX XXXX University. It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, Transunion is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This incorrect amount is a heavy burden on me, different if it was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out numerous letters. 

The Credit bureaus stated XXXX XXXX XXXXXXXX # XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given this account written permission to furnish this account on my credit report as well.
Product: Credit card

This process took place in XXXX of XXXX when I paid off such a credit card and requested to have this card closed upon my request. This company has tried some unethical events and stunts in claiming that I am liable and responsible for something that I did not consent to or authorize. I have requested many times for this company to produce such Loan Applications which they have failed to produce. I have requested all rules, regulations, policies, and procedures where I have to consent for this company to get my tax returns. This company called Discover has failed to produce and provide such information. This company has taken my rewards from such program, I was enrolled in which is a breach of any contract such company may wish or want to use or claim. I have all the records to support my act or action for immediate court action into the policies and conduct performed throughout these months. 

The company called Discover Card Services has made many unethical excuses or claims claiming to address issues or problems or other illegal events and tactics when I have disputed such charges as unauthorized and to cease any further business relations with such company due to these unethical events. 

Now since Discover Card Services knows so much now produces all the official and legal records from the attached records submitted in this complaint before the Consumer Financial Protection Bureau and its audience. 

I want ALL OFFICIAL AND LEGAL RECORDS and not just some statement made up to cover and conceal your acts or actions. 

Attached you will find records officially signed off on by people behind such records. Your ( Discover Card Service ) records should be the same.
Product: Debt collection

HOA debt. I received a letter dated XX/XX/XXXX on XXXX/XXXX/XXXX. they called my home phone and spoke to my husband on XX/XX/XXXX who has XXXX. When I finally received the letter of the debt which was not detailed. I found out it was for XXXX XXXX and XXXX XXXX HOA fees plus some accrued interest. I called on XX/XX/XXXX and was told now I owe {$420.00} more because of the time that passed and the fact that I did not return the phone call which my husband answered the phone and is not capable of writing messages. 
I then received a faxed copy of a letter that was sent out supposedly on XXXX XXXX, about 3 weeks from the FIRST letter and now the balance {$750.00}. 
They would not discuss and just said this was owed. I was willing to pay for the HOA fees plus interest and late fees BUT the {$420.00} for collection costs is ludicrous. 
XXXX was rude on the phone. 
I have paid the amount of XXXX which was the balance from the letter dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Trans Union not reporting accurate information on my credit report. On XXXX XXXX Trans Union stated that they would dispute the information with the creditor and they would provide me with an update 30 days after the dispute. Trans Union took longer than the 30 days to provide me with a status. On XX/XX/XXXX, they provided me with a status on my dispute stating that my dispute had been Updated. I disputed a late penalty that was placed on my Trans Union credit report by a creditor. The creditor responded to myself and all 3 credit bureaus stating that the late payment was an error and they removed it. Trans Union is the only creditor that is still reporting this late payment. I called Trans Union today XX/XX/2021 on a recorded line and spoke with XXXX. Per XXXX she stated the dispute was complete and the updated and deleted information. I asked XXXX to describe what was updated on my credit report and what was deleted because the late payment that I disputed for XXXX, 2021 still remained on my credit report. I expressed to XXXX that if there are no changes to my dispute it would say remains the same, however it says Updated/Deleted but Trans Union provided no information that was updated. I even asked what was the response from my creditor who placed the mark on my credit report and have uploaded the response from my creditor on their website and XXXX stated she did not know what was updated, she saw that the my credit reports remain the same but she failed to do anything about it and told me they did their part by notifying the creditor of the dispute. I expressed to XXXX that Trans Union is supposed to not only notify the creditor but to investigate and provide me with details of their investigation outcome. Trans Union has not provided me with any information showing that my credit report was updated, it is not and on one at their company can provide me with details on what was updated or a response from what they received from the creditor.
Product: Checking or savings account

I have had my Bank of America accounts since XXXX through all change of names. I had a Mortgage with them, in the XXXX. I would call BOA about catching my mortgage up and they would tell me repeatedly I was up to date, yet they continued to report me as 1 month late. I had many overdrafts. For every one I was charged {$35.00}. As each transaction came in, it was another {$35.00}. I had to change my account numbers because I was scammed. From then on in XXXX I was charged a XXXX XXXX  monthly maintenance fee each month. 
When I had my older accounts I was told I was never charged a maintenance fee because I had a banking with BOA since XXXX. They tried saying it was because I had deposited a large amount in XXXX. I was never charged any fees before the new accounts were open. 
I just had a checking and savings before that and never paid a maintenance fee, even before I had a mortgage with them. 
They explicitly told me it was because of the amount of time with them. 
I have had many overdraft charges over many years. They did refund some if I called but most were not. Once I had XXXXne overdraft they just built up for anything that came through. There were many things that went on with BOA. So many I can't remember.

If you are to look up my accounts, the one checking and savings had I to be closed in XXXX, due to a scam. 
To determine anything you would need my older accounts because I had that one from XXXX.
Product: Debt collection

The is collection agency noted on my credit report namely CAINE & WEINER who purchase account balances from various large insurance companies in this care XXXXXXXX XXXX XXXX 

Problem number XXXX : I do not owe money to XXXXXXXX XXXX XXXX company. I had cancelled the policy with XXXX due to unsatisfactory with their products and misleading advertisement. 

Problem number XXXX : I have not receive XXXX letter and/or notification from collection agency, CAINE & WEINER XXXX XXXX.