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 how to remove the fraudulent accounts 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 accounts 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, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit card

A timeshare company opened a credit card in my name without telling me, and they used it to make a down payment on my behalf. I never used this credit card ( for anything ) and started getting statements for payments. A third party debt collection agency called " Midland Credit Management '' started trying to collect on this debt. When I asked for proof of contract and proof of signature, they were unable to provide it, and unable to provide any recordings or records of the repeated phone calls regarding this matter. They have been calling and harassing me for the debt, and have threatened to sue and have ignored my requests to only contact me in writing.n This debt has also been negatively reported on my credit report despite my dispute and their inability to provide any proof of debt.
Product: Credit card or prepaid card

On XX/XX/2018 and XX/XX/2018, I noticed that my Bank of America Credit card account had unauthorized charges from XXXX " XXXX ''. There were total 7 transactions, totaling {$32000.00}. 

This was part of a much larger issue of my account being hacked and charged fraudulently for about {$100000.00}. When I noticed all the transactions, I found out who the merchant was and called them ( I dealt with the merchant prior ). The merchant said he did not put any of the charges on the card. He called his credit card processor-XXXX and almost all of the charges were refunded to my account. 

The 7 charges from XXXX were never refunded and XXXX could not refund them. I immediately called Bank of America and told them these were unauthorized/fraudulent charges. Bank of America, however, did not reverse the charges and never refunded them. They are still on my account. 

I am making this very clear. The charges by XXXX on my account were fraudulent and in no way authorized by me. I have not in any way ever authorized these charges on my account. These were not " disputed transactions '', they were simply erroneous/fraudulent transactions that should be removed from my credit card account.
Product: Credit reporting or other personal consumer reports

Incorrect use of my credit for a hard inquiry pull from these companies FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report that I have no knowledge of. I believe that I was the victim of fraud. 

I have no knowledge of the following inquires. 

XXXX XXXX XXXX XXXX XXXX COAF XXXX
Product: Credit card

Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact me.
Product: Debt collection

A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX Police Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my California Drivers License / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.
Product: Credit card

On XX/XX/XXXX, I applied and was approved for a Venture X Business credit card. The next day I received a phone call from a Capital One representative asking for a call back. I called back and was connected with a representative in the XXXX asking me to provide a lot of personal information. I wasn't sure if this was a scam, so I refused and called the number on my credit card and got another representative stating the same thing. 

I uploaded copies of bank statements, utility bills, photos of my driver 's license and even a 1099 I received from Capital One for tax year 2023. I have been a Capital One customer for years. Prior to applying for a business credit card I had multiple bank accounts and a personal credit card open with them. All my accounts have been locked or restricted, and I can not even use the points I've previously earned. 

I called Capital One a third and fourth time and asked for a timeline to resolve my case and again I reached representatives in the XXXX. They said they could not resolve my case until I provided an image of my social security card. That is not a safe or reasonable request! 

I asked who made that determination, and I was told it was their fraud team and it was non-negotiable. I asked to speak to someone on the fraud team and they said they are a back office team and don't talk to customers. I then requested to be transferred to a representative in the United States. I was transferred to someone named XXXX who when asked gave me her employee ID as XXXX. She said she is a complaint supervisor for fraud disputes. 

I told her that I could not provide Capital One with an image of my Social Security card even if I wanted to because I did not physically have the card. I asked why they needed it, and she could not tell me anything other than the system required it. She said until I provided Capital One with an image of my Social Security card all my accounts would be restricted and I could not use my previously earned points, all because I applied for a business credit card and was flagged for some reason. I asked what the reason was, and how having my Social Security card would resolve it, and she said she couldn't tell me. 

I am willing to provide Capital One with numerous bank account statements, state issued photo identification, utility bills, tax documents, and the company already has my social security number on file. However, I am not able to provide the company with my Social Security card, and that is not a reasonable nor safe request. Numerous employees around the world can see and print off that information and along with all the other information could rip-off my identity. Furthermore, restricting my personal accounts unrelated to this new business card application amounts to theft of the benefits I've previously earned. 

I would like to amicably resolve this issue, but I need to be connected with someone at Capital One who has the authority to do so because their customer service team is unable or unwilling.
Product: Debt collection

XXXX XXXX XXXX XXXX is currently reporting this collection as open and still attempting to collect on this debt after written verification was sent via email. XXXX XXXX was the customer service representative who informed me that I they do no provide documentation to verify a debt and that it can only be by payment only. I contacted XXXX XXXX on XX/XX/23 and have the email conversation still on file. Spoke with several representatives over the past week and when I ask for verification to be sent they either hang up the phone, transfer the call to a long cue hold or act like they cant hear what i am requesting and disconnect the call. The email sent to XXXX XXXX demanded all communication to cease but they still continue to contact me and deny they can not provide me with documentation.
Product: Credit reporting or other personal consumer reports

I received a report of Bank of American looking at my credit. However, I did not issue that and when I called they could not give me the answer as to what happened.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA.

Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.
Product: Debt collection

I sent a certify mail requesting that this negative item be remove from my credit file being that it was unverifiable on several occasions. XX/XX/XXXX, XX/XX/XXXX and I have yet to receive verifiable information. It is hurting my XXXX XXXX and I would love for it to be remove from the XXXX credit bureaus such as XXXX, XXXX, experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from XXXX that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX  and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I had been with paypal for few months using it solely for Swappa.com. I did a pretty good volume for the past few months. Even with having a XXXX XXXX linked with my account and Ive done everything right and legally, I wasnt even given a chance to appeal my case. All the documents they asked for were submitted and even having a XXXX XXXX didnt even matter to them and they just shut the account down permanently which is totally unfair. Im just doing everything to keep my family afloat during this trying times by doing reselling business. 
My email linked to my PayPal is XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT Educational Credit Management Corp.. ECMC was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default. 
Not only did XXXX XXXX never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I had a breakthrough case of XXXX recently and was sick with flu-like symptoms and had to quarantine. During that time, I was not able to move money in time, or make physical deposits, to cover several scheduled payments that slated to be deducted from my account. Since the merchants in question did not charge late fees, and I didnt want to outright cancel autopay for this account, I locked the debit card associated with these transactions and shut off overdraft protection on my account to avoid the {$34.00} overdraft fee per transaction ( particularly since the bills in question were only $ 20-30 themselves ). These were not ACH transactions and were strictly linked to my debit card only. Despite doing this well in advance, Chase proceeded to clear all these charges to my debit card, over drafting my account over {$400.00}, more than 1/3rd of which came from overdraft fees on transactions I did not authorize and for overdraft coverage I declined. I understand paying maybe one single overdraft fee, but now Im looking at close to $ 170+ in fees alone for a few small transactions that I blocked! I am a 100 % XXXX veteran and survive on a fixed income. These outrageous fees are clearly predatory and will only continue to accumulate as they continue processing payments and the account remains overdrafted until my next XXXX payment from the VA in a few weeks. With cost of living already so high, it is wildly unfair that people like me should continue to be preyed upon by big banks that rake in billions of dollars at the expense of XXXX, poor, and working class Americans.
Product: Credit reporting or other personal consumer reports

according to the IRS an unpaid charge is income and according to the FCRA income can not be reported on a credit report, I received a 1099-c ( cancellation of debt ) for the following charged off accounts listed below after checking my mist current report the updated information stated this account was still being reported. this account can not be reported as a charge off on my credit report please cease the reporting and delete this account XXXX XXXX ACCOUNT NUMBER : XXXX Despite the cancellation of debt, I noticed that this account is still being reported as a charge-off on my most recent credit report. This is in direct violation of the FCRA, which mandates that income can not be reported on a credit report. 

Therefore, I kindly request that you cease the reporting of this account as a charge-off and promptly delete it from my credit report. Failure to do so may result in legal action.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, ( Intro Banker, ( XXXX ) XXXX, NMLS # XXXX ), a banker with QuickenLoans followed up on a request for a refinance. On this follow-up call XXXX informed me of a special that was ending this month ( XXXX ) that would waive closing costs however we would need to at least tart the application process today ( I was at XXXX XXXX for a short holiday and he assured me it would just be 10 minutes and we could finish the following day ). I recall the credit being XXXX or so which they consider excellent. All seemed fine until the next day when XXXX and I were meant to finish the applications process. On this call XXXX informed me that the cost of the loan would be {$6200.00} which included, title ( not sure what this was about - I already had a title ) and escrow however, {$5300.00} of this I was told were government mandated closing costs which could never be waived. With wavering confidence i continued with the process until getting to a pre-filled form with still higher costs, near {$12000.00}. In response to my concern XXXX stated that this was just an estimate and final numbers would only be known after underwriting. At this point i am very uncomfortable, hang-up with XXXX and bring in my attorney XXXX to clarify a few items. I have posted the email exchange into a word document as supporting documentation. You will notice that when responding to XXXX, the previously mandated government fees are now not mandated but its up to underwriting which is deceit number 2, the first being the fabricated special on closing costs which appears to only exist in the fraudulent mind of this banker. You will further notice the response from QuickenLoans when i reported this behavior. Complete deniability. The deceptive business practices of this company and their employees need to be exposed.
Product: Credit card

MIDLAND FUNDING has been harassing me also for this debt of {$310.00} i ad them i was a victim of identity theft and this card was open by someone who stole my identity. i have called them many times and asked them to remove this from my credit report. i have even sent them the police report and fraud fraud affidavit, as a consumer i hve rights and this is not fair. they call my phone at all hours of the day trying to collect this debt that is not mine. this has to stop
Product: Consumer Loan

I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Loan XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX BANKRUPTCY Docket Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX INQUIRIES : NXXXX 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