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

My name is XXXX XXXX, and Im writing to file a complaint about several fraudulent accounts that have been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life. Heres a list of the fraudulent accounts and information Ive identified : XXXX. XXXX, Account Number : XXXX, Balance : {$990.00} XXXX. Address : XXXX XXXX XXXX XXXX, Fl XXXX Ive already taken the necessary steps to address this issue. Ive filed disputes with Experian, submitted an FTC Identity Theft Report, and even filed a police report. Despite all of this, these accounts are still on my credit report, and theyre continuing to harm me. UnderFCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block and remove fraudulent information from my credit report once Ive provided proper notice and documentation, which I have. Im asking for Experian to comply with this law and immediately remove these accounts from my credit report. This situation has had a devastating impact on my life. Because of these fraudulent accounts, Ive been denied the ability to secure an affordable home, purchase a reliable car, and improve my financial situation. Its incredibly frustrating to know that my credit report is being weighed down by accounts that I didnt open, and Experians failure to act is only making things worse. Im asking for the CFPBs help to ensure that : XXXX. Experian immediately blocks and removes all fraudulent accounts from my credit report. XXXX. Experian notifies any parties who accessed my credit report in the past XXXX months of the corrections made. XXXX. Experian complies fully with its obligations under the FCRA to resolve this issue and prevent further harm to my credit profile. If Experian doesnt take the necessary steps to resolve this, Im prepared to escalate the matter further, including pursuing legal action to recover damages caused by their inaction. I am expecting quick compliance in the required time frame, I appreciate your full attention with respect to this matter. 
This is NOT a repeat dispute, unfortunately EXPERIAN wont update any information until a NEW report is submitted every time there is another account to be disputed. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal - negative {$7300.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7300.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7300.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting

EXPERIAN WANTED TO RESPONSE TO YOUR INVESTIGATION THAT YOU CLAIMED TO HAVE FOUND. # 1 YOUR investigation were and is incomplete because I never Got any of the original sign documents from you in which the FCRA 609 STATES CAN YOU PLEASE SEND ME THOSE THE LAW STATES THAT YOU SHOULD HAVE THOSE ON FILE WHEN THE CONSUMER REQUEST THEM. SO HOW DID YOU COMPLETELY VERIFY THE ACCOUNTS # 2 THE LAW SAY NOTHING ABOUT ASKING THE ORGINAL CREDIT FOR THE FRCA 609 ACT PLEASE EXPLAIN? THE LAW STATES IF THE REPORTING AGENCY CAN NOT VERIFY THE ITEM HAS TO BE REMOVE SO MY MAIN QUESTION TO YOU IS DO YOU HAVE THAT OR NOT?
Product: Credit card or prepaid card

A charge appeared on XX/XX/XXXX on my statement for {$220.00} from a company called XXXX. They are a delicatessen near where I work where I often get a salad and soup for lunch. They are a high volume place around lunchtime and just cycle you through without giving a receipt. They just take your card and run it. 

When I saw the charge I informed Citibank that the charge was incorrect. They deigned my dispute because : " We have reviewed the information you provided regarding your dispute. 
Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' By that standard, I would still be responsible if they had input {$22000.00} instead. I can't prove a negative. The merchant, however does have a cash register record and could see if a {$220.00} charge occurred or not. They won't even contact the merchant to see if they dispute the charge.
Product: Credit card or prepaid card

XXXX OWNS SEVERAL PREPAID CARDS e.g. XXXX/NETSPEND/XXXX ETC..

I JUST FINISHED MY TAXES ON XXXX XXXX AND WAS GIVEN THE OPPORTUNITY TO GET A NETSPEND ACCOUNT WHICH WAS SEND 3 DAYS LATER! USED THE ROUTING A ND ACCOUNT NO TO HAVE TAXES FOR STATE AND FEDERAL TAXES DEPSOIT INTO NETSPEND, ON THAT DAY I TRIED TO ACTIVATE CARD AND WAS TOLD I COUNLD'T HAVE A NETSPEND CARD. AND NOW HAVE MY REFUNDS GOING TO THIS ACCOUNT.

ROUTING NO.XXXX

ACCOUNT NO.XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit report and saw an account opened in my name. XXXX XXXX ( {$300.00} ) opened XX/XX/year> on XXXX, and XX/XX/year> on Transunion. The bureaus are also in violation for not accurately reporting this account. I am a victim of the data breach and according to 15 USC 1681c-2 ( a ), I'm requesting that you immediately block this account from my credit report.
Product: Debt collection

I have been receiving calls and text messages since XXXX for a different person. I have told them that they have the wrong number and they continue to contact me. The dates I have recorded are XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Product: Mortgage

XXXX XXXX XXXX & XXXX XXXX account XXXX. Address is XXXX XXXX XXXX XXXX XXXX  TXXXXXand the social security or XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America closed my account in relation to their deposit policy. However ; they stated they would mail me a cashier checks but did not state why my account was closed. 

The sum of money was rather substantial and they did not allow me to withdraw funds in person. This puts a strain financially on me and my family.
Product: Credit card or prepaid card

This Company advertises its credit products and solicits applications to consumers then makes it near impossible to actually use the card. After spending 3 weeks and over 15 hours on the phone trying to get them to remove fraud blocks on a brand new card just received in the mail and verifying everything except XXXX XXXX XXXX XXXX XXXX XXXX, I was finally able to actually use the card for the first time. 

My current issue is now that I have reached my credit limit, I made a payment to pay my entire statement balance on XX/XX/XXXX, almost 10 days before the bill was due, via my own ACH checking account. So that I can continue to use the card. It's now 6 days later and while Citi shows my payment was accepted and credited to the account, they will not release the available balance and allow me to continue to use my card. 

In contacting customer service they told me that my payment has to go through a 2 week Fraud review to ensure the payment is not fraud and I can not use my card until this clears. 

So I spent 3 weeks with a bunch of stupid fraud blocks from the first day I received the card. Now I submit a payment to pay my charges and you block my card again for fraud review. How the heck is a consumer ( in this case a business with a business card ) expected to use the card you advertised and solicited for business purposes when they won't even allow you to use the card as intended. 

This is the WORST Credit Card merchant ever. I've never in my life had this much trouble with a credit card and I have perfect credit score.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

BYL collections, XXXX XXXX and XXXX XXXX XXXX, Representative XXXX, contacted me reguarding a bill with XXXX XXXX XXXX. The bill is due to identity theft. The spelling of my name is incorrect, I never lived in XXXX XXXX, NV. XXXX XXXX XXXX informed me the bill has a contact person being XXXX XXXX. Neither company can provide me with any documentation containing my signature, only a computer printout. This company is requesting me to fill out fraud papers with my signature, but I refuse because I am afraid to give any information to this company to give them identifying information to pin this bill on me. I sent the paperwork to the three credit bureauls with a police report. This is an attempt to collect a debt not owed by me. this is not my debt. I tried to resolve it with the company but they insist on making me pay this bill but IT IS NOT MY BILL! I want proof of validity of this account and when it cant be provided I want a deletion as well as for them to lose my information and stop harassing me.
Product: Credit card

I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor XXXX
Product: Debt collection

You have failed to provide me with proper documentation to prove that this account in fact belongs to me. Billing statements do not suffice as proper validation, and you have refused to send me anything proving that I entered into an agreement with this company. I demand this collection be deleted from my credit report as it is a direct violation of my consumer rights under the Fair Debt Collection Practices Act. I have already turned this matter over to my states attorney general, and Im prepared to seek litigation for monetary damages. 


Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Checking or savings account

At Capital One 360, I opened a Kids ' Savings Account for my son, XXXX XXXX, on XX/XX/2020. The website for this account type advertises, " {$0.00} To open or keep the account '' and " No Fees or Minimums '' ; " Kids Savings Accounts are fee-free and dont require a minimum balance. '' ( https : //www.capitalone.com/bank/savings-accounts/kids-savings-account ). I received a letter dated XX/XX/2020, from Capital One to advise that they have closed the account. I called today and spoke with XXXX, and then supervisor XXXX. They advised that the account was closed because it was not funded within 60 days. I was not aware of this requirement. I noted that the web site advised that there was no minimum balance. I also pointed out that I had 1 phone interaction about the account before today and had received 2 printed statements, but that none of those interactions had advised that the account would be closed if not funded within 60 days. XXXX admitted that the advertised information contradicted the terms. I asked if they could please reopen the account and I offered to fund it immediately. XXXX advised this was not possible, but I could apply for a new account. I asked to escalate the matter. He took my phone number and said that I would receive a call back, but that this process was delayed due to COVID-19. I asked if the 60-day window to fund my account could similarly be delayed, but he said no, that only the bank -- and not the customer -- was being given COVID-19-related extensions.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Reference # : XXXX DateFiled : XX/XX/XXXX XXXX  XXXX Bankruptcy Dismissed Reference # : XXXX DateFiled : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against Axiom acquisition ventures for committing identity theft. I have never Axiom Acquisition Ventures any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ).

I have not validated any alleged debt Axiom Acquisition Ventures Inc and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, Axiom Acquisition Ventures any right to collect on this alleged debt. 

I have never received any documentation requesting validation from Axiom Acquisition Ventures, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Axiom Acquisition Ventures can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financia reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Axiom Acquisition Ventures continue its collection efforts, I will file for litigation for actual damag caused and Axiom Acquisition Ventures will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to XXXX XXXX  the payment was reversed due to insufficient funds ( See attached screenshot from XXXX online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. XXXX XXXX  made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have XXXX reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this XXXX XXXX  does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to XXXX never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

LVNV funing llc or Resurgent capital services Reference ID XXXX Balance {$590.00} Account holder XXXX XXXX I've already told them this was a XXXX XXXX account which was paid in full or XXXX Balance then account was arbitrarily just closed by XXXX. It has a balance of {$0.00} before the account was closed. this is Fraud it is fraud it is fraud.
Product: Debt collection

I recently discovered this collection account on my credit report. I have no idea what it is about and never received a letter of right to dispute. Credit reporting laws require that I be given proper notice and time before any collection activity is started against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my Equifax credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Equifax or any one else to run my credit, i did not apply for loans or any credit cards. Equifax gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Product: Debt collection

I received an email on XXXX from Bell Global Services about the debt letting me know it was their first attempt to reach me. I emailed back immediately requesting information. Per their email if I was to write them within 30 days they were to stop collection until the provide me with that information. Today on XXXX I received a phone call from them, however, I couldn't answer because I was at work. A Lady working for them named XXXX XXXX, then called my ex-husband and told him that they were with a legal department trying to get in contact with me. She requested my phone number but he wouldn't provide it so she told him her number along with my case number. He then called me freaking out think I was being sued. When they are not a legal department they are a debt collection agency. I immediately called them back and asked them why if their email states after receiving my request they have to wait 30 days before contacting me she said there was a 72 hours hold period before the process my request I tried to tell that is not what the email states and she began yelling at me about the 72 hours hold which I began yelling back telling her she will not speak to me that way and she will no longer contact me or my friends and family and to consider this a cease and desist. She misrepresented herself as a legal force and made some think I was in legal trouble and then proceeded to yell at me when I was just trying to figure out why they were proceeding with the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.