23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm filing this report because I have been an identity theft victim. Earlier this year, I discovered that I'd been an identity theft victim after I requested a credit check to be conducted because I was interested in home purchases and wanted to know if I would qualify for a mortgage loan. Unfortunately, my realtor told me the terrible news that several accounts on my credit report are either delinquent, late, charge-offs, or collections. Therefore, I requested that he re-run a credit check to ensure he has the correct file or if he made an error because I know I do not have credit card accounts or any outstanding loans. After my realtor re-runs the credit check, he shows me the credit report and several accounts the credit bureaus are reporting on my credit report. Therefore, I assessed the damages for the first time, which was approximately {$71000.00}. 
Consequently, I filed a police report with my nearest police station, the XXXX XXXX XXXX. However, after filing for the police report, I re-assessed all the damages, which was over {$170000.00}. I discovered that there were more accounts than I anticipated. I informed the police detective working on my case and asked her to add all of them together on her report after I discovered the other accounts, which she did, and it is added to my police report. So far, I have found 11 accounts fraudulently opened using my personal information, such as my social security number, name, date of birth, etc. The reason I'm filing this report is that some banks are refusing to investigate, refusing to initiate sending the requested documents so I can share them with the police, and are refusing to remove the fraudulent accounts from my credit report and are refusing to remove my information from their banking records. Some banks continuously reflect these fraudulent accounts under my name, and I never conducted any business or transactions with them. This is unlawful, and I do not want my credit report tarnished because of their inadequacies. These accounts do not belong to me, and I do not want fraudulent accounts to report on my credit report.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX I got an email from paypal : You can no longer do business with PayPal ( Ref ID - XXXX ) That was after 30 minutes from receiving a payment via PayPal. I was shocked because my account was in a good standing since almost 2 years, I have not received one single dispute because I'm not seller at all. I'm using paypal only to receive money from some making-money websites. They didn't even ask me to submit documents to confirm my identity. I tried to contact them but i'm just getting replied from bots maybe. I tried to phone them but I'm stuck in the queue for many minutes until my phone balance runs out. I have now {$180.00} stuck in my paypal account and I'm unable to withdraw it until XX/XX/XXXX. I have bills to pay and I can not wait for 6 months. Everything is ruined now and I'm asking paypal to restore my account or at least releasing my funds so I can withdraw them and if they need any documents, i'm ready to submit them. Waiting for PayPal reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Account : CAP ONE XXXX. If you claim this account is XXXX XXXX accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Mortgage

USbank, with whom I have my current mortgage at almost 5 % rate, sent me emails saying I could refinance with them for a better rate. I responded, and asked for a 15 year refinance at XXXX by the time I got a loan officer, somehow, I was talked into a 30 year at a higher rate. After 6 months, fulfilling all document requests, having an appraisal, and paying fees and making a {$350.00} improvement to the home ( to add a railing where none was really needed ) I was denied the refinance. They based the denial on my outstanding credit, which was the same throughout the period of my attempt to refinance. I feel that they knew, from the beginning, that I was not a good candidate but they put me through the process anyway. Now I am out roughly XXXX dollars, and, no refinance.
Product: Checking or savings account

On XX/XX/2019, I gave a check of {$1800.00} for a contractor and stopped the payment for the check later. 

On XX/XX/2019, no money was deducted from my account for the check excluding the stop payment fee of {$30.00}. I then called up Bank of America customer service and inquired them about the stop payment of the check, they confirmed that stop payment was on the account and the check was not cleared. I then asked them what happens if the contractor tries to cash the check again, they said it is going to be declined. 

On XX/XX/2019, I noticed that {$1800.00} was deducted from my account with the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '', I called up the customer service as soon as I saw that and asked them to dispute the transaction, they said the transaction is in " Processing '' status and can not be disputed. One customer service representative was saying, it may be an electronic check or may be from the bank for any credit that was already given. 

On XX/XX/2019, the transaction description of " DEBT FOR UNPAID ITEM, FDES NMO '' was completed and the money was deducted from my account. So, I called the bank again and requested them to dispute the transaction, then they told they can not dispute the transaction because the check was cashed before the stop payment was requested. They asked details on what happened and how the check was given to the contractor, and they told they can not do anything other than refunding the stop payment fee of {$30.00}. If they knew that the check was cashed before the stop payment was requested, the system shouldn't have removed the cashed check transaction from my account. I would have reacted fast to recover the money. Its unfair to make customers responsible for glitches in their system or any wrong information given by customer service representatives, especially the system involves money. I have been a customer for Bank of America for more than 7 years and they were talking as if there was no mistake from their end. 

I also received a mail from Bank of America stating that " We've completed your stop payment request ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year> DEAR EXPERIAN I.XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY i request removal of addresses listed below with immediate affect XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. 
Delete inquiries done by XXXX XXXX XXXX XXXX XXXX, ON-SITE MANAGER
Product: Debt collection

I bought a pre-paid XXXX phone ... ..NO CONTRACT and NO AUTHORIZATION to auto-deduct payments from my checking account. XXXX was the XXXX number assigned to my device. Again, this was a PRE-PAID cell service. I had paid PRIOR to every month using my debit card. After a while, I noticed on my bank statement that XXXX was illegally auto-deducting money from my account WITHOUT my knowledge or approval. In addition, the amount that XXXX began illegally auto-deducting from my checking account was significantly more than the advertised, quoted, agreed upon monthly pre-paid payment. After noticing, I tried several times to cancel my service via the XXXX app. The app was not working correctly, so I called XXXX and spoke with a lady ( XXXX representative ) about my unfortunate experience. I was very upset and made it clear that I would no longer use XXXX because of the illegal auto-deductions and overcharges. I made it very clear that I wanted a refund for the overcharges, my Sprint account ( phone number ) to be closed immediately, and the illegal auto-deductions to STOP. Per our conversation, she agreed to close my account ( phone number ) immediately, but couldn't authorize a refund for the overcharges. She then stated that another XXXX representative would call me within a few days to talk about the 'refund ' part of my request/statement. I never received that call. I did however notice that XXXX stopped making the illegal auto-deduction withdrawals from my checking account. Unfortunately, many months later, I discovered via XXXX XXXX that XXXX sent my account ( phone # ) to collections with a bogus balance. I do not believe I'm the only victim.
Product: Debt collection

my apr is 0 % when i opened this account i sent letter via ua mail tracking # XXXX. letter stated i dont agree with the apr increase to 22+ % and the monthly payment increase and i will continue my monthly payment {$60.00} a month. i dont agree with the monthly payment increase when i 1st got this account the payment was under {$60.00} and the apr was zero 0 %. the letter i got back said my apr is 22+ % and my payment has increased. it is not fair they can increase a payment any time they feel like. at this point i refuse to pay anything more then {$60.00} a month and dont care what they do to this account. i 'm not refuseing at my free will i just dont have the money to pay.
Product: Debt collection

I contacted ENHANCED RECOVERY COMPANY after seeing a bill from them on my credit report. They stated that I had a debt with XXXX, I initially asked about paying the debt, but then they stated they don't own the debt and will try to update. So I decided to contact XXXX where my account is closed and paid in full. 

The amount that enhanced recovery company is claiming was already paid to XXXX directly the payment confirmation number from XXXX was # XXXX
Product: Credit reporting or other personal consumer reports

I have APPLE CARD/GS BANK USA and they reported late payment for XX/XX/year> to XXXX. The company suspended my account without my consent and blocker access to view or pay the balance. They also did not send out notification on balance and reported to credit bureau. I have opened the dispute with XXXX 4 times and they said it is accurate. I am unable to reach them or make them understand the reason. The information may be accurate but the reason for the late payment is XXXX. 

Since, I have called XXXX up and repaid the full amount they are not incentivized to correct their mistake. XXXX is unwilling to do the right thing and am unable to reach human dispute specialist as the XXXX  won't connect the phone. The late payment was XXXX XXXX and this has decreased my score by XXXX XXXX. This is unfair, though the other Bureau initially agreed with my dispute, they have all added XXXX XXXX results now.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 30 day late payment was added in XX/XX/XXXX frivolously. As noted in the attached letter, nothing was stated that the loan was near the 30 day mark. Payment was made promptly in XXXX and the 30 day late payment should be removed from ALL credit reports. 

Additionally, the company changed the amortization schedule which breaches the terms of the original contract. The company made me pay all interest up front which deviates from the amortization that they provided upon signing the docs. in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX FIN XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} BEST XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX CO XX/XX/XXXX XXXX to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I spoke to a representative of XXXX XXXX XXXX XXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account charged off in XX/XX/XXXX and is also being reported as a collection through XXXX and XXXX. It has been over 30 days and I have not recieved and sort of credit validation documents nor has any inaccurate information been updated. This account is unverifiable and is reporting inaccurately on my credit report. Therefore, should be deleted/removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

This is my second attempt with capital one. I opened two savings went through a very discriminating process to which every other day my card would get shut down for fraud. I verified per their request and have made over the amount of payments, required for an increase over six months. As soon as Covid hit, and the bank returned not one but two for their own reasons, I quickly tried explaining but received a letter stating fraud again. I have a fraud alert on my reports because of someone Using social for a job, since having them again, it was a nightmare, stressful and makes me overwhelmed as if this was an intentional issue. This was not my fault, they didnt even call to question or ask what happened. I closed all banking, and feel very discriminated on, or put into a box of candidates to which they treat some kinda of way. I just received a notice offering auto financing?!!!! I pray the next person is advised appropriately or considers another institution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ALLY, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and XXXX, and ALLY with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Account charged off. {$960.00} written off. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX account FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I received my credit report from Experian that reflects the last 4 digits of my ss # XXXX and that's a very bad error that I thought XXXX was making. 

My legal and actual last 4 of my social security number is XXXX. 

Their error is placing me in the most uncomfortable impending unknown danger and has already harmed my social security earning record statement which is missing valid earnings that has been altered by decrease for some years of my employment reported to XXXX  tax filings prior to me living off of my social security XXXX now that I'm XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.