23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' FTC has been made aware that I was defrauded by all " creditors '' and " loans '' as I was deceived into believing I am/was the " debtor '' when in fact, I was the " creditor '' of the transaction by proof of their utilizing my SSN + autograph. Please explain the necessity of the utilization of my SSN + autograph upon the " promissory note? '' I can always issue an IRS-approved 1099A/OID to settle the so-called debt? All " lenders '' are also " Trustee '' and must accept all Trust " negotiable instruments '' as tender of payment, otherwise, to pay back a " debt/loan '' with " federal reserve notes '' are NOT a repayment of debt as " debt notes '' can not satisfy a payment of another debt. A Beneficiary is always the " creditor. '' The Trustee is always the " debtor. '' Commercial interaction with my SSN establishes a trustee-ship.
Product: Credit reporting, credit repair services, 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 XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX Also address and my name is wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I was never late on and 1 accounts that is not mine and 3 unauthorized inquiries, I also have a chapter XXXX listing that I didn't file, there is a letter attached for explanation.
Product: Checking or savings account

I've contacted SoFi after getting my dispute denied. I talked to their garbage chat support and they told me they would process my appeal and I was suppose to get the reason why my initial dispute was denied. I've waiting two weeks so far and haven't heard a XXXX thing. SoFi doesn't give a XXXX about the customers. They never did and never will. I don't even think they even processed the appeal. I've already had to contact this shady XXXX of an excuse of a bank on multiple accounts to try to get anything done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent XXXX  Inquires Inquiry Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Checking or savings account

I found several complaints with Wells Fargo in regards to my overdraft charges on both of my business checking account and personal checking account. I also then continued with the complaint to the XXXX XXXX XXXX. Wells Fargo offered me a low amount and asked me to not disclose the amount to anybody and they would not accept fault in the discriminatory way of processing my loan application. Wells Fargo refuse to look at our business assets to determine that we will be eligible for a small business loan. As direct result of my experience with Wells Fargo and denying our small business loan. Our company has going through financial XXXX disparities. Where we lost double or income as a result. We lost the inability to continue with our small business.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the accounts on my Report are Fraud I Never give Authorization to anyone to open these accounts I'm very stress out about this situation Please help me Resolve this matter
Product: Bank account or service

FACT # XXXX ) I have a secured credit card with US BANK. Every time I indicate to a " live representative '' he/she would ask " which savings account would I like to pay from ''. Oddly, because there 's ONLY ONE OPENED by me XXXX associated with only XXXX checking acct XXXX. 

So TODAY, I inquired with a live agent " XXXX '' about this. He says, " there 's XXXX and I 'll transfer over to the department that handles this. '' To our surprise, US Bank secured credit card dept. lol. Then when I ask them please clarify the XXXX XXXX XXXX XXXX savings accounts whenever I wish to make a payment. XXXX, supervisor, stated maybe when you do an automated payment ( but I NEVER do ) I always speak with live rep. So, she says " maybe they are confused. '' I forewarned her the suspicious activities with XXXX XXXX Bank opening up accounts without one 's knowledge is absolutely illicit. She concur.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax told me to send my information to them to verify who I am I have faxed my information as well as mailed it to them and still, they are telling me to send them the same information I have trying for the past XXXX years with them I am at the end of my rope I don't know what else to do please, please help me I don't know who else to turn too.
Product: Credit card or prepaid card

I purchased a " lie detector kit '' through PayPal, when the item arrived it had clearly been used ( even though it was listed as new ), the software did not work with XXXX XXXX ( registering the entire product unusable for me ), and lastly the website promoted 50 questions by a licensed, professional polygraph expert ( what I got was 42 questions that would never be on a polygraph test, perverse questions such as what I XXXX too ). I called the seller, and they agreed to refund the money if I returned the product. I sent the product back in the original packaging. A few weeks later USPS called and said the seller had refused the return due to foreign tax fees. I ended up paying {$1000.00} for the lie detector kit, which I returned, {$100.00}, for shipping back to the seller, and an additional {$58.00} to pay for the seller 's foreign fees. I contacted PayPal and asked for a refund for the product of {$1000.00}. I would accept the loss of shipping it back and foreign tax fees. I also sent PayPal the shipping receipts showing it had been returned due to " misrepresentation ''. PayPal claims if an item is misrepresented, the buyer has protection, they clearly do not honor this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THANK YOU FOR YOUR RESPONSE TO Complaint ID : XXXX Lease No : XXXX HOWEVER YOU RESPONSE IS INAPPROPRIATE, I SAY THAT BASED ON YOUR RESPONSE ADDRESSING CONCERNS THAT ARE NOT MINE NOR INQUIRED ABOUT, I ACTUALLY THANKED ACIMA FOR INFORMING ME THAT IRS FORM XXXX WAS NOT THE METHOD USED BY ACIMA THAT EXPLAINS WHY I NEVER RECEIVED IRS FORM XXXX. YOU ALSO ADDRESSED ME DISPUTING THE ACCURACY OF ACCOUNT INFORMATION BEING REPORTED, I NEVER MENTION ANYTHING ABOUT DISPUTING THE ACCRAUCY OF ANY ACCOUNT. PERHAPS THIS WAS A GRAVE OVERSIGHT OR SOME FORM OF ADVANCE GASLIGHTING HOWEVER SO THER IS NO CONFUSION ON WHAT THIS COMPLAINT IS ABOUT THIS IS NOT A DISPUTE ONLY A REQUEST FOR INFORMATION ABOUT LEASE XXXX THAT HAS A UNRECOVERABLE DEBT OF {$5800.00} SO THE QUESTION ACIMA SHOULD RESPOND TO IS ( DID ACIMA FILE THIS DEBT WITH THE IRS AS XXXX PROFIT LOSS TO GET ANY TAX BENEFIT OR HAS THIS DEBT BEEN FILED IN ANY INSURANCE CLAIM OR ANY OTHER FORM OF RECOVERY FOR THIS DEBT? ) PLEASE PROVIDE ANY SUPPORTING DOCUMENTATION SO I MAY FOLLOW UP
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/22 at approximately XXXX I called Cig Financial and was greeted my XXXX XXXX which is my agent over the account. I stated to him that I now have an informed use of credit as defined by congress and would like a old account removed because it was past the 7 year mark of reporting negative and was removed but put back on my report which is a violation. He stated the it Takes 10 years to be removed and that I should just pay my bills aggressively. Also he stated that I owed his company money and then fixed his wording to the company he works for money. Here are a few of my consumer rights that he violated and also the company CIG FINANCIAL. 
12 cfr 1006.18 ( d ) 12 cfr 1006.18 ( f ) Cig Financial is in violation of 12 cfr 1006.22 ( e ) 1 12 cfr 1006.22. ( f ) ( 2 ) 12 cfr 1006.26 ( a ) ( 2 ) 12 cfr 1006.26 ( b ) 12 cfr 1006.30 ( a ) 12 cfr 1006.30 ( d ) ( 1 ) 12 cfr 1006.34 ( b ) ( 1 ) 12 cfr 1026.23 ( b ) 12 cfr 226.18
Product: Debt collection

This attorney illegally took my state refund for a debt they purchased from XXXX. XXXX still sends me bills, This collection agency sent it to a XXXX, they went to court, had a writ of garnishment filed. I disputed it stating its credit card debt, they withdrew the writ of garnishment but still have my state refund. 
Original debt is. XXXX XXXX took XXXX saying I still owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Account # XXXX is a fraudulent account and has been reported multiple times to Capital One and XXXX telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again Capital One refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet Capital One claims it has been charged off. I want to see the evidence that you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Card Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX Bank 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documentation of Recorded Phone Call with Agents at Equifax On XX/XX/2022, I had a recorded conversation with multiple representatives as follows..these are the events that I attest to be true to my knowledge. 
XXXX -- transfer to XXXX XXXX XXXX -- according to XXXX this is the correct department to assist with this XXXX -- XXXX Dispute -- Spoke with XXXX and informed him of multiple complaints filed with the CFPB and identity theft. 
He says that he reviewed all the information, filed a fraud dispute for the companies, the company will remove the accounts says that the accounts are under investigation and takes 30 days. I immediately asked to speak with his supervisor, XXXX placed me on hold... 
XXXX intentionally provided false information stating that there needs to be a FTC report on file. 
and anything that deals with credit reporting, debt collection, credit card or banking deals directly with the CFPB. 
XXXX intentionally disconnected the phone call. I then called Equifax again and spoke with the following representatives XXXX -- says that he can not review the account, and says that he will transfer me to XXXX XXXX XXXX ... XXXX XXXX -- Explained to XXXX the history of what happened with the previous phone call, and my nature of the call now regarding the frivolous information being reported. XXXX informed me that he would get a supervisor, and would not disconnect the phone call, call placed on hold Recited codes from 611 and section 623. Says that he can still get me a supervisor, and gave me the option to transfer to the fraud department, even though he confirmed in the beginning that they handled fraud. 

XXXX -- Spoke with XXXX and explained the situation at hand. XXXX stated that they are able to use the CFPB complaint but kept insisting that FTC identity theft report be filed. I asked XXXX to please transfer me to her supervisor XXXX -- -Spoke with XXXX and informed her of all the inaccuracies under consumer profile XXXX, XXXX XXXX me that she would place me on a brief hold for two minutes, XXXX XXXX back in, and stated that she is going to finish the request to remove all of the information. 
no case number for escalation -- no direct phone number -- will call back to give me a case number..agent id : XXXX, says within one week all of the inaccurate information she will call me back, depending on the case, the items getting removed might take less time. Says that she will remove all the adverse information.
Product: Credit card or prepaid card

I am obtaining legal help in this matter. After receiving Wells Fargo 's response to my complaint, I have no choice. The original case # is XXXX. 
Wells Fargo states that being as all of my balances have the same APR, any payment I make in excess of the minimum amount will be split among the balances. This IS NOT in the Agreement and Disclosure that they sent me, and it was NEVER in any disclosure or information on the paperwork when I used their " Supercheck '' offers. It was only in the current letter that they sent me. It was not disclosed initially until now. 
I have been paying extra each month to pay off the balance that is due the earliest. Their practice makes this impossible and is only in favor of their institution. It is not in the favor of the consumer, quite the opposite. Also, as I said it was not disclosed initially. Please see page 11, 2nd paragraph. which states : " Generally, we will apply your Minimum payment first to lower APR balances before balances with higher APR 's. Payments made in excess of the Minimum Payment will be applied to balances with higher APR 's first before balances with lower ones '' I'm sure there are many other people who find this peculiar and downright illegal. I hope to bring it to the light.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent,. 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 All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Money transfer, virtual currency, or money service

I loaded {$200.00} into Coinbase with a Bitcoin Purchase. Within 10 seconds after the Bitcoin was purchased, the money was sent to an unknown address. They took the exact amount loaded, got around the 2 part authorization. Coinbase does not have a live person to speak with and has been evasive on the matter. Given how quickly it occurred and that it got around all of Coinbases security, including that I changed my password minutes before I made the purchase, leaves me to believe Coinbase is in on it. I can replicate the problem as this is the second time it has occurred, first time for {$250.00} and also happened immediately. Coinbase never got back to me the first time either, back in XXXX. If you can hook up to my computer, I can make it do it again and you can track all data being sent back and forth to help catch whoever is doing this.
Product: Credit card

I have XXXX credit cards with capital One that I have never paid late and the payment is paid before the due date and more that the minimum payment. However at one time was an authorized user on my ex fiances capital one credit card account. When we split, he and I both requested that I be removed and he removed off mine. However, even though Capital One removed from my report, they 're still reporting it under my account with them. I have XXXX credit cards with them that have never been late and I always make large payments as well, but when I recently called for an account upgrade, I was told it was denied because " XXXX of my accounts '' is past due. So even though they removed it from my credit file, they 're are still, as I feel, holding his accounts and how he manages his against me which is unfair, considering I was an authorized user on his account, that doesnt make me responsible for the debt. They are continuously holding my payments for 10 days, putting an account lock " fraud '' on my credit cards when I make payments and they said to " verify '' it was " my account '' since I had payments returned in the past ( that was not late ). The last straw was when I applied for a credit limit increase that showed online I was eligible for and how excellent of a customer I 've need, and it was immediately declined. I logged in to view the reason letter and it stated " due to too many inquiries ' so I called customer service and I was told it was due to several missed payments on my accounts. I told them I 've never been late and they started giving me his information that they 're still linking to my accounts. Then they tell me it was a mistake when I get upset for them still holding me responsible for someone else 's accounts. I feel like I am being held responsible for someone else 's debt since XX/XX/2016 till current
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now
Product: Debt collection

I ordered merchandise online from XXXX XXXX XXXXXXXX XXXX in XX/XX/year> that was going to be billed through Klarna. Within in XXXX minutes of ordering I called XXXX XXXX and canceled the order and called Klarna to inform them as well. The merchandise was shipped anyway and I did not accept the merchandise and it went back to XXXX as not accepted. Now Klarna has turned me over to XXXX collection XXXX for merchandise I canceled and did not accept. The merchandise was sent back to the sender 's address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX. I want Klarna to correct my balance to {$0.00} and XXXX to do the same. XXXX XXXX has contacted me through text and email from XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KS XXXX her email is XXXX. 

This has been haunting me since XX/XX/year>. I have called Klarna over and over to no avail. I will never use Klarna again because they have done nothing to rectify this situation. I don't owe Klarna anything. Your help is very much appreciated. 

I have all types of emails to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX who received the merchandise back. If you will contact me we can find a way that I can forward all of this to you. I have too much to attach here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX & XXXX XXXXBalance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXX****Balance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$2600.00} XXXXXXXX XXXX : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}