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

I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the following accounts were fraudulently opened in my name without my knowledge or consent : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I did not authorize these accounts, nor have I ever conducted business with these companies. Despite disputing these accounts with the credit bureaus, they remain on my credit report, negatively impacting my credit profile. I have provided an FTC Identity Theft Report and a government-issued ID as proof of the fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Between the years of XXXX and XXXX I was enrolled in the XXXX institute of XXXX  I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXX of Washington. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. XXXX institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following XXXX XXXX reporting agencies also I have collateral damages from this lowered my beacon score my credit score of my FICO score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is stating incorrectly by XXXX and Equifax. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX Equifax Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while Equifax report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with XXXX charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with Equifax. This is a total mistake itself dates do not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX  # XXXX, 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 an account without 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, other than records of conviction 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.
Product: Debt collection

LVNV Funding LLC- I've repeatedly asked that this debt be removed from all credit agencies, as I do not know of this account. They continue to report and defame my name and credit worthiness causing serious personal harm.
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, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Original creditor XXXX XXXX  XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX  Inquired on 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Yes after reviewing my 3 consumer reports I saw some inquiries I didn't recognize. So i call these companies and ask them to be removed or provide me with information that itv was me that made these inquiries and I never received the information.
Product: Credit card or prepaid card

My credit card with Barclaycard had fraudulent activity on XX/XX/XXXX. At that time I took the steps necessary and notified Barclaycard. In the meantime I returned merchandise to the following vendors : {$190.00} to XXXX XXXX, {$330.00} to XXXX, and {$130.00} to XXXX on XX/XX/XXXX. On XX/XX/XXXX I returned merchandise to XXXX XXXX {$52.00} and XXXX for {$310.00}, {$32.00}, {$48.00}, and {$12.00}. I received a new credit card to replace the one with the fraudulent activity. In the past when this occurred transactions between the accounts was seamless. I have called/chatted with Barclaycard on the following dates and there has been no resolution : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX for 5hese credit amounts to be posted to my account. Their solution is to dispute the original transactions, however, one of the items purchased was on XX/XX/XXXX but the item was returned XX/XX/XXXX. They will not resolve this transaction because it was purchased more than 60 days ago but the transaction I am inquiring about is XX/XX/XXXX. I believe this is a Barclaycard issue and was told their credit policy changed and I needed to wait 7-10 business days to see these credits on my account by one their representatives.None of the credits have been posted. I have hardcopy receipts for all of the returned items. I am frustrated with their response to my inquiries.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and got approved for the XXXX XXXX XXXX with a one time bonus for {$200.00} upon spending {$500.00} within the first 90 days of account opening and a 1.5 % cashback. I made my purchases in the next couple days and when I logged in again on the website I did not see the XXXX XXXX bonus while another account showed up ( XXXX ). According to the CapitalOne Agent I called on XX/XX/XXXX, she confirmed that the activation actually brought up a card I approved years ago ( XXXX ), and I won't get the bonus but the other account that recently approved would be. Hence, I made another XXXX XXXX purchases but eventually I didn't get the {$200.00} bonus on that either. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX confirmed the bonus. When I called in again, CapitalOne denied it. Since their phone call is all recorded. Please tracking with the provided info. 

Case XXXX, Agent name XXXX, XX/XX/XXXX -- requested to invest on the phone call I made on XX/XX/XXXX which confirmed the bonus. 
Case XXXX, Agent name XXXX, XX/XX/XXXX -- illustrated the previous requested case number and rejected the adjustment and telling me the rejection was made on XXXX. 

I personally feel I was taken advantage of due to CapitalOne 's systematic issue. I have tried to straight this out for some time. In general, I am manipulated. I followed their instruction while they failed to redeem what they promised to do. As of now they are ruining my credit score.
Product: Credit reporting or other personal consumer reports

I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. The following accounts and requests only you can see information currently listed and showing on my Innovis consumer report is fraudulent accounts and not my requests only you can see information : XXXX XXXX, {$190.00}, XXXX XXXX XXXX XXXX {$470.00}.
Product: Checking or savings account

XXXX XXXX cashed a {$17000.00} check I made payable to and mailed to the IRS for taxes. 

XXXX XXXX got the funds from US Bank ( my bank ) and charged my account. When I received a notice from the IRS that my taxes had not been paid, I requested a copy of the cancelled check from US Bank and the bank teller told me it looked like the endorsement appeared to be forged. 

Apparently, someone acquired the check, forged the endorsement, and was able to cash the check at XXXX XXXX XXXX. Since the check was payable to the IRS, XXXX XXXX XXXX should not have cashed the check. I suspect an employee of XXXX XXXX and the person who cashed the check conspired to commit fraud and steal my funds. 

After many months of arguing this position, both banks have denied the claim. 

There is no possible way I could have known that the IRS did not receive the check until they notified me that they never received my payment. It would not occur to any reasonable lay person that the check was fraudulently endorsed when the payee on the check ( IRS ) was not scrubbed and my bank statement clearly showed it was cashed as expected. 

This has resulted in me being in a {$17000.00} hole. 

The section below is not allowing me to attach any files but I have a copy of the cancelled check I would like to include as part of this complaint.
Product: Checking or savings account

I was contacted via phone by someone claiming to be from my baking institution : Citibank the Friday of XXXX XXXX  weekend. It was a call in response to a text I received ( presumably ) from citi saying my XXXX card was compromised and I would be getting a call to secure my account. While speaking with this gentleman I provided no information as I thought he was in fact a citi customer service rep. The hold music was the same. His script was theirs and he was listing transactions that I had made. He ordered me a debit card which was delivered the next day at XXXX. He then put me on hold. While I was holding I noticed funds were transferred from my savings to my checking and a wire transfer was authorized. As I was in the middle of an oil change I assumed we lost connection so I called citibank back. I told them money was wired from my account without permission. They told me I authorized it however they couldn't tell me how it was authorized. I was on the phone with them when it was authorized. So the woman I was speaking to immediate transferred me to the wire fraud department. While on hold the original citbank gentleman who I now knew was a scammer applied for a loan ordered me a new debit card and moved money and wired money to a person I don't know. When speaking with a teller at the XXXX NY location I showed her the emails and texts the original call instigated and she confirmed that they were real citibank correspondence. When I tried to tell them this on the phone they blamed me for authorizing transactions I in fact did not. The loan is now on my credit score. Citibank told me no other accounts were opened in my name but I kept receiving emails from them saying I had for 72 hours after the scam. I tried so hard and quickly to resolve the issue and between wait times and citi employees not believing what I was telling them the scammer had access to my account and compromised it within the 2 hours it took citibank to close and block the account. The tell I referred to before called her supervisors and other higher ups and they didn't belive what she was saying about my case. I was told the money was gone and my account was frozen but that I can open a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago
Product: Credit card

We purchase kitchen faucet, garbage disposal, and vanity from the XXXX on XX/XX/year>, and we received the items by XX/XX/year>. Due to the home construction space configuration change, we had to return the items, and requested a return, and the merchant authorized the return, and we returned the items back on XX/XX/year>, which was within the merchant 90-day return policy.

After confirming the returned items were successfully returned and return status " returned '', we contacted the merchant for the refund status several times, but we did not receive any response from the merchant. So we contacted our credit card company, Bank of America, to
dispute the charge on XX/XX/year> because Bank of America Dispute Department customer service reresentative once confirmed that we had about 180 days to open any disputes if our attempts to resolve any issues were not successful.

To my surprise, the representative I spoke with on XX/XX/year> said that 180-day was incorrect information, but she confirmed that we still had rights to open the dispute for the credit refund not received for the returned items. So I spent some time to provide all the details of the transactions along with return tracking numbers. She confirmed that she successfully filed the dispute for the XX/XX/year> {$1900.00}. 

After opening this dispute, since we usually received an email, but we have not received any letter from Bank of America to confirm the dispute, I called Bank of America dispute department back on XX/XX/year>. A new representative said the dispute claim was denied due to the time. I explained to her that Bank of America Dispute Department advised that we had 180 days to open any dispute, that's why we tried so hard to resolve the issue with the merchant by waiting and waiting. She understood, and told me that she would file an internal complaint about the dispute decline decision.
Product: Credit card

In XX/XX/XXXX, a charge of {$2000.00} from XXXX XXXX XXXX appeared on my Apple Card, which is managed by Goldman Sachs Bank USA. I did not authorize this charge, nor did I receive any services or products from XXXX XXXX XXXX. I have been disputing this charge with Goldman Sachs since XX/XX/XXXX. Despite providing evidence that no services were rendered, Goldman Sachs has repeatedly denied my dispute without providing sufficient justification or proof that I agreed to this transaction. This issue has caused significant frustration and inconvenience over an extended period, as I have spent considerable time and effort trying to resolve this unauthorized charge.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I opened a PayPal account and i became an American citizen about 20 years ago, so my XXXX name is very difficult to pronounce. I made a PayPal account to receive a few payments and when I did, I didnt think too seriously about the name since it was digital and since the bank that would be verified would be under mine, so I used my daughter and sons name as " Name '' section when I opened the account. I received about {$700.00} into my Paypal and even upgraded to a Business account. They put a limitation on my account and said that I needed to send in all these documents to confirm my identity and my business. I sent them ALL the documents needed. They denied my request and will not let me close the account or withdraw my money. The email account linked to the paypal account is XXXX. It has been about 2 weeks since they put a limitation and I do not know what to do anymore. Please help
Product: Credit reporting

I discovered my identity had been stolen. I added a fraud alert and requested my credit report from Equifax on XXXX/XXXX/15 online. I never received it. I attempted again via XXXX to request my credit report from Equifax on XXXX, but a prompt appeared advising me that I had to request my report in writting along with identifying documents. I sent immediately, but have not received my free credit report as of this date. I really need my report because I found some items on the other XXXX credit reports that did not belong to me - I believe to be fraud. Its virtually impossible to get through the voicemail hell to get a live person on the phone so this is my last option.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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 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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REPORTING HARD INQUIRIES ON MY ACCOUNT THAT ARE NOT MINE! 

I CONTACTED ALL THE CREDITORS AND THEY CONFIRMED THAT THOSE INQUIRIES ARE FRAUD! 

FOR SOME REASON EQUIFAX IS REFUSING TO REMOVE THEM!