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

This is my formal complaint to FACTUAL DATA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
US DEPT OF EDXXXX U.S. Department of Education XXXX XXXX XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/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 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: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$250.00} These are all fraudulent transactions. I never authorized these transfers on Cash App. 

My case number is XXXX. Please refund the money thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already submitted a complaint to CFPB, for the company Early Warning, about an error in file with them. Early Warning then emailed me admittance of the error and they would remove the error once I submitted my valid ID : The early warning response to me in email on XX/XX/XXXX : We are in receipt of your request, however, we are unable to process your request because a copy of one form of identification ( Driver? XXXX License, ID Card, Passport, or other government issued identification ) has not been provided, please provide us with a copy of one form of identification. Thank you for your assistance. If you have any additional questions, you can reach Consumer Services at XXXX You can also send the item ( XXXX ) to Early Warning by mail, fax or our secure transfer portal. Upon receipt, we will continue the process. 

Early Warning Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX FAX : XXXX Then behind the back of CFPB they slipped me an email stating : " after the reinvestigation ... the information in the file is accurate etc, exploiting to consumer 's intelligence that the email mentioned ID for a reinvestigation. They reinvestigated and the sent result to me by XX/XX/XXXX which was the above email. I'm complaining of an early warning scam and suspected substance abuse. 



see the attatchment : The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. 


Account opened : XX/XX/XXXX Account closed : XX/XX/XXXX Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$10.00} see the attached file I'm complaining about a stolen ID and identity theft by early warning and complaining that they should process the removal request as stated in email to me on XX/XX/XXXX to avoid criminal charges. Beware that some substances or drugs are to " numb '' an individual or party from facing themselves or criminal methods and attempts, causing them to become suicidal and terroristic about stealing a person 's information and ignoring it. Awareness gets down to a minimal. And CFPB should contact early warning in caution with this complaint that they should finish the removal request now that they have my Valid ID. I am not accusing them of substance abuse but am aware of the symptoms of possible substance abuse in such matters
Product: Checking or savings account

On or about XX/XX/2018, I filed a complaint with the CFPB, case # XXXX against Wells Fargo Bank. 
I received a response from Wells Fargo in the form of a letter dated XX/XX/2018 stating their remedy would consist of a refund of overdraft fees in the amount of {$170.00}. 
Some time passed and I noticed I had not received a check in the mail or a credit to my checking account in the amount of {$170.00} or any credits totaling {$170.00}. 
In the month of XXXX, I contacted Wells Fargo Bank through the Customer Service Department line for checking accounts and was told by the representative that there are no notes or indication that Wells Fargo had made regarding my complaint or the refund of {$170.00} and because there were no notes, I would need to contact the CFPB to resolve. 
I called CFPB and was told I would need to open a new case to resolve the matter.
Product: Credit card

I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter dated XX/XX/XXXX they would close my account and if the account was still reporting to the credit bureaus it would be updated to XXXX  balance and paid in full for less than full balance. I paid the account in full on XX/XX/XXXX. I then called on XX/XX/XXXX the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX I received a call from XXXX XXXX with advance collections bureau in regards to account XXXX creditor XXXX XXXX {$1700.00} I was very confused when I received his call I had no idea what he was taking about I asked XXXX to please provide documentation for what he was taking about he later sent me an email with a move out invoice a lease agreement from XXXX XXXX apartments after I review the information I recognize the account o signed 6 months lease for apartment number XXXX XXXX XXXX with XXXX XXXX apartments in XX/XX/XXXX. 2 weeks into the lease the apartment upstairs cought on fire and I was ask to move out because my apartment had water damage and the roof could collapse. Now a year later I receive a call from a collection agency claiming I have a past due balance with XXXX XXXX apartments for apartment number XXXX please note I never signed a lease for apartment number XXXX. The lease I sign was for apartment number XXXX. Today XX/XX/XXXX I received another email from XXXX with a different amount of {$1000.00} but again no lease agreement for apartment number XXXX. He sent me a copy of the lease agreement for apartment XXXX where it shows clearly that someone changed the number XXXX to a XXXX. Please see images below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Transunion XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXXXXXX 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: Mortgage

We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

Since XX/XX/2018 Allied Collection phone XXXX XXXX is attempting to collect on a debt that Ive already satisfied/paid in full.

To Whom It May Concern : On XX/XX/2018 I paid {$520.00} to XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX and they emailed a confirmation of payment to me confirming same. 

Actions I have taken : I explained this to XXXX at Allied and have provided to him the email receipt from XXXX XXXX XXXX. 

On XX/XX/2018 I emailed proof debt paid in full along with XXXX   address and phone number and reference number to XXXX On XX/XX/2018 I called Allied said they didnt receive my email and asked me to email it again to them at XXXX Today, XX/XX/2018 XXXX from Allied called attempting to collect the debt. I told him Ive sent proof paid 2x and he said he hasnt received it and asked me to email proof paid to XXXX. 

I just spoke to XXXX at Allied and now he wants a bank statement from me showing the payment of {$520.00} clearing my account. 

Im uncomfortable with this request. 

Please advise. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Product: Credit reporting or other personal consumer reports

The company inaccurately reported my data. This has harmed my credit and my ability to purchase a home. Please remove all of the information on file for it is inaccurate.
Product: Credit card

I was assessed a {$37.00} late fee when the company posted my payment the Monday after the due date ; however, the payment was mailed in plenty of time to be posted before the due date. This isnt the first time this has happened. 

I sent them a message through their portal and they acknowledged receipt, but never resolved the issue. 

I have attached proof to this complaint.
Product: Credit card

We have a Sams Club Credit Card ( Synchrony Bank ) and they have a practice of lowering your credit limit after running random credit checks. Doing this continues to negatively impact our credit. For example, we may have a credit limit of {$1800.00} with a balance of {$1600.00}. After a random credit check, Synchrony lowers our credit limit to {$1600.00}. To those looking at this account, if now looks like we are over our limit, which can negatively impact our credit score or be seen negatively to someone if we were looking for credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : XXXX Bank open XX/XX/XXXX XXXX XXXX. Open- XX/XX/XXXX {$1800.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX XXXX. {$750.00} XXXX XXXX Bank. XXXX. {$1600.00} A copy of an FTC report listing the products opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the XXXX Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Billed for services/products not received. 
XXXX XXXX, XXXXXXXX XXXX  {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Previously filed for credit. No response except for reverse billing. No evidence, documents, receipts or product provided. 
Clearlky, FRAUDULENT charges but Citibank is in control and the card holder is at their mercy, charges, and penalties in disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to NATIONAL CREDIT ADJUSTERS , L.L.C. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.