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 items 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 of the following items 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 are the following items which do not belong to me or were opened without my permission. 
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 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 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: Debt collection

Your agency/agencies did not account for I being a man the XXXX XXXX as the XXXX XXXX is only visible on the limb of my person. They discriminated In refusing to apply equal credit opportunity act to accounts and I request assistance in doing so.
Product: Credit reporting or other personal consumer reports

Experian ( XXXX ) is failing to dispute information on my credit report. The credit reporting agency is claiming the letter is not valid because it was not submitted by me. On XX/XX/2024, I mailed a dispute to XXXX disputing specific items on my credit report due to identity theft. They received the letter XX/XX/2024. On XX/XX/2024 they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my dispute and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to XXXX. I need this matter honor per FCRA laws.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. 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 these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed a new account on my credit report that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a collection account with National Service Bureau in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.
Product: Payday loan, title loan, or personal loan

for the past 8 or 10 months Suntrust bank has either mismanaged my payments made by phone or can not give me a clear understanding of the interest charges on the loan. I complained to the NC banking commission about all of the issues but it seems they only refer it back to the bank to call or send me documents- not what I would expect from a regulatory agency. 
The latest phone call in response to my complaint came two days ago from this phone number XXXX XXXX. A female called to let me know she is sending a letter in response to my complaint, and when I pressed her to give me details about the letter she couldn't answer- another sign of a bunch of incompetent people posing as bank officials withouth having a clue what they're doing and certainly not serving their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019
Product: Credit reporting or other personal consumer reports

This account was paid. Ive contacted XXXX, XXXX and Continental Finance on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This formal complaint is presented to address the unlawful use of credit reports by financial institutions and credit reporting agencies, including but not limited to XXXX, Experian, and XXXX. Credit reports constitute private property owned solely by the individuals whose financial data they represent. The unauthorized dissemination and utilization of this information violate property rights protected by the U.S. Constitution and relevant statutory laws.

This document outlines specific legal violations, including the unauthorized dissemination of private financial data, the misuse of credit reports without consent, and violations of constitutional property rights. It provides supporting evidence and demands immediate corrective actions by the agencies addressed herein.

KEY POINTS OF CONCERN 1. Credit Reports are Private Property Legal Basis : The personal identity, financial agreements, and transaction histories contained within credit reports are private property as defined under Article IV, Section 3, Clause 2 of the U.S. Constitution.

The Supreme Courts decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), established that private property can not be taken or used without consent or just compensation.

Statutes at Large, Vol. 48, p. 112, further reinforces protections against the unlawful use of private property.

Violation : Credit reporting agencies and financial institutions have utilized and disseminated financial data without the explicit consent of the individual. This practice effectively appropriates private property for their gain.

Examples : Incorrect information on credit reports, such as accounts that do not belong to the complainant, is reported without verification.

Unauthorized inquiries from unknown sources are recorded without consent.

2. Unlawful Public Reporting Without Consent Legal Basis : Dissemination of financial information without the explicit consent of the individual is prohibited under statutory and constitutional protections.

Statutes at Large, Vol. 74, p. 451, outlines prohibitions against unauthorized data sharing and privacy violations.

Violation : The public and private sharing of personal financial information by credit reporting agencies without consent infringes on individuals right to privacy.

Examples : Incorrect personal information such as wrong dates of birth, addresses, or names is shared with third parties.

Improperly marked account statuses ( e.g., closed accounts shown as open ) cause harm to individuals ' reputations.

CERTIFICATION AND VERIFICATION I hereby certify that the information contained in this complaint is true and accurate to the best of their knowledge. This presentment is made under penalty of law and attested on this XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 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 Please note these are not the full account numbers. They contain **** at the end of each and will not be given here in order to protect my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to XXXX XXXXy credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : XXXX} XXXX XXXXXXXX Balance : XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Received a copy of the bill on XX/XX/year> from XXXXXXXX XXXX via email. I reviewed it and found that the tax/ssn on the bill is not mine and the birthdate is also not mine. I replied back stating that on XX/XX/scrub>XXXX Email communication to me stopped until XX/XX/year> they attempted to call instead leaving voicemails stating that communication by phone is better since XXXX is her second language ( I have that voicemail ) I continued to follow up via email. Received a reply email on XX/XX/year> saying there nothing she can do other than mark it disputed. Final email received on XXXXXX/XX/year> she states there are typos on the bill that cant be fixed. This is concerning. No government institution, financial institution, employment would accept that from me so how is it that its supposed to fine for them and I have to accept it. Admitted typos brings into question the validity of the amount on the bill. I have this email chain between us archived.
Product: Checking or savings account

In XX/XX/XXXX, Chase received a garnishment order to freeze my account from Texas. The takeaway. I am in California and have no ties to the state of Texas. My business account and personal were frozen. I am not a judgment debtor this was something about my XXXX XXXX who is a judgment debtor. Without delay Chase froze my personal and my business account. The business account had {$280000.00} in it and my personal was around {$420.00}. I asked Chase to unfreeze it, they told me handle it in Texas. I called a texas lawyer the lawyer told me not to appear because the court was biased and I would not get anywhere. If the court had no personal jursidiction on me by Texas law I dont need to respond. Instead I sued Chase in California and obtained a XXXX  in XX/XX/XXXX. The XXXX told Chase not to send my money to the Texas court but Chase said they were ordered to do it. This is a major issue because I am a California chase customer and my business account is also California. Chase ignored my XXXX  and sent the money in an out of state garnishment to Texas and now as I type this my money is being stolen out of state. Chase violated the law by doing this. My lawsuit for Chase is ongoing, but Chase has violated the law more ways than one. In the Chase terms of service it clearly says the governing law is the state I opened my accounts and that is in California. Chase ignored any chances to file Texas appeals and instead has robbed me and my business {$280000.00}. I now have to waste time and legal fees to get this back. This is absolutely a problem and I think Chase is doing this to others just as XXXX XXXX XXXX was caught in XXXX I think Chase is doing this now. Chase argued in their terms that if out of state issues arise that I authorize them automatically to use my funds as they wish. That's basically them saying they are getting customers to sign an agreement that breaks the law and takes away the protections a customer was given by the Governments. It does say if I have judicial notice and orders then I preserve my rights. The XXXX  I got was that right and Chase violated the XXXX  twice. They seeked a court order in Texas to control my California case as well. Again, Chase should have filed a Writ of Mandamus or an appeal about this to ensure California was the acknowledged jurisdiction.

The out of state garnishment case is XXXX in XXXX Texas at the XXXX XXXX XXXX .

My lawsuit in California against Chase and the Judgment creditors of my XXXX XXXX is CASE No. : XXXX in XXXX XXXX XXXX. 

This is a very serious issue and I am reporting this not only for my protection but I believe Chase bank is breaking the laws here on multiple occasions if this happened to me its going to happen to everyone. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP   insurance that I took out when I purchased the vehicle. Santander has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX Mortgage has been terrible to work with. My grandmother passed away in XX/XX/XXXX and she had an interest only HELOC since XXXX originally with XXXX XXXX. When she passed, her house was willed to my uncle and my mother. XXXX told us to continue to make the payments. Then in XX/XX/XXXX I went to make the XXXX my mothers behalf at a local branch and they told me the account was frozen and with an attorney and would not allow me to make the payment. I then had to hire an attorney ( which did nothing but charge me XXXX ) to try to help us. They told me that we were behind and made up all these charges we had to pay by XX/XX/XXXX. I paid them XXXX plus they want us to pay another XXXX in attorney fees plus we had to pay our own attorney fees. I thought we had everything worked out and the very next bill I received, has a default rate of 8.25 % on it which I was promised would be lowered by the time of the next bill and was not. Everything they have said or done has been false. They said my grandmother was late on all these payments while she was still alive. Well then why wasnt that handled while she was alive? Why wait so long. They are unfair and couldnt produce anything to prove this. I still did the right thing and paid what tgey asked and we are still having issues. They also made my mother solely sign a forbearance agreement and did not make my uncle sign or even agree to it.
Product: Mortgage

Hello, I Had a XXXX  XXXX  XXXX, and had to wear a XXXX  XXXX  until XXXX, lost my job, My mortage company sold my loan. the two new companys have more than doubled my payment, I have received a bill from both on the same day and was told that I owed them for my property taxes that they had to pay, that I paid for myself, my bills from them are always late therefore they can not be made on time, I agreed to pay my payment 15 years ago, and done so. but they want so much that it has got out of hand and all I ever wanted was to own a home. I could have paid what I agreed on or got everything caught up, and now I am employed fulltime and about to be XXXX, is this what everyone goes through? now someone is taking pictures, And said that if no one had been home, that they would have called contractors and changed all the locks on the doors, I'm afraid that if I go to work, I will lose everything I own and will not be able to get my belongings,
Product: Debt collection

i have been a victim of idientity theft the person using my socail security, my name and address lives in XXXX, i have contacted this collector which they requested i send all the needed documents which i have done so all my id, police report, leases, an affidavit, the idientity.gov attetation, but this debt collector has review my document and rejected it without sending me any letter i have provided everything that shows am innocent i cant do anything now, my life is a mess XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant even buy a car for me and my kids. i have provided evrything, a letter, prove of lease that i was staying in ohio
Product: Credit card or prepaid card

On XX/XX/2022 I called Discover due to declined charges. As I was shopping, I learned that my payment was past due {$230.00}. I asked the representative to process a payment of {$240.00}, where I was advised that even if there was a payment made, the card could not be unlocked until the next business day. I admit, I was quite frustrated because of the inconvenience of the denial and the embarrassment, considering my credit limit. Additionally, I was already in the store attempting to make a purchase. While speaking to a rep who was only able to assist to a certain extent. I then requested to speak to a supervisor. The supervisor did not come off very helpful. In that moment, I requested to speak to her superior. The supervisor told me there was no one higher than her. With more dissatisfaction overcoming me, I requested that the account be closed. I assumed that the lender would have some type of retention resolution in conjunction with regard for the relationship that has be established. As well as my proven payment history. However, that was disregarded. During said call, as the supervisor was reading her disclaimer the call was disconnected. I called back to learn that my account was already closed. In this complaint, the goal is for my account to be reinstated, with the exact limit in which was granted to me. My account can be reviewed to see that I have a great payment history. Furthermore, I would like a coaching opportunity to occur with the representative/supervisor. I do believe that there should have been some type of retention resolution which I was not granted. I believe that a seasoned/assertive representative/supervisor would have afforded me this in efforts to resolve this call with first time quality resolution
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNT : ( XXXX XXXX XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report.
Product: Credit card

I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.
Product: Consumer Loan

In  XXXX  o f 2016 Payment for card Lease did n ot get Properly credited and was reported as late