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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( 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: Checking or savings account

Fidelity closed all of my accounts withput notice and refused to issue a check for yhe $ XXXX left in my account. The remaining funds were from a debit card refund from XXXX, who only refunds to the card used. Fidelity stated that they would send my money back to XXXX instead of to me, and claimed they needed to " review '' my balance, and offered me no answers.
Product: Credit card

Purchased accounting services and have yet to recieve the services fully completed. Was advised to continue to try to resolve with merchant and when I did that, The bank then refused to assist with the dispute because I was strung along for months with false promises.
Product: Credit card or prepaid card

Again ... .Wells Fargo is failing to address why a fraudulent signature is acceptable at their bank. They claimed a delivery receipt was provided to them ... which is true ... but it was fraudulent ... and did not contain my signature, which has been verified NOT to be mine by a Wells Fargo manager. 
I want to know why it was accepted? This has not been addressed in any of your so called letters or your THOROUGH investigation. I will keep filing complaints until this question is answered : " Why is fraud acceptable at Wells Fargo? ''
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice that I have 1 late payment that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best their ability with Maximum Accuracy I have never been late for payments for the account Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a 2 months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX  XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on XXXX XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I placed an order with Amazon.com on XX/XX/XXXX for approximately {$200.00}. I used my Amazon.com store card so the order was eligible for a 6 month promotion because it totaled over {$140.00}. Within the next day, I received an email from Amazon that they could not complete the order because the credit card company had denied the payment amount, and they asked me to use another credit card to fund the purchase. When I contacted Synchrony Bank, a rep named XXXX said it was denied because there was a hold on my account. She said sometimes this happens when a large order has been placed. I explained that this has never happened before and I routinely place orders with Amazon that are over {$200.00}, and sometimes over {$600.00}, as you will see that I currently have promotions for 6 months to 1 year. When I continued to question as to why there was a hold on my account, she asked me to wait while she removed the hold. She came back to the line and said not to worry, as she 'd removed the hold, but she either could not or would not provide definitive explanation as to the reason there was a hold on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$72.00} XXXX XXXXXXXX {$160.00} XXXX XXXX   XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

I am writing to formally dispute the validity of the account reported by your agency on my credit report, as noted on XX/XX/year>. I have no knowledge of this account and am not aware of any obligation to pay the debt you claim I owe. I believe this account is either a result of an error or fraud, and I respectfully request that you provide all documentation proving the legitimacy of this account. 

This account, which is currently affecting my credit, is causing significant harm to my financial standing and impeding my ability to thrive. The presence of this inaccurate information is creating unnecessary obstacles, preventing me from obtaining credit, securing housing, and pursuing opportunities that would allow me to move forward in life. 
In addition, I believe your actions are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under the provisions of 15 U.S.C. 1692g ( the right to dispute a debt ) and 15 U.S.C. 1692c ( the prohibition on certain communications with consumers ). You have failed to provide the required documentation in a timely and proper manner, and your communication practices have not adhered to the protections afforded to me under the law.

Given these violations, I am requesting the following : 1. A full investigation into the validity of the reported debt, including all relevant documentation.

2. The immediate removal of this account from my credit report, as it is incorrect and violates my rights under the FDCPA.

3. Compensation for the financial and emotional damages I have incurred as a result of the violation of my rights.

Please respond to this dispute in writing within 30 days of receipt of this letter, in accordance with the requirements of the FDCPA. Failure to do so will leave me with no choice but to pursue further legal action to protect my rights.

Thank you for your immediate attention to this matter.
Product: Prepaid card

Someone placed a card skimmer on the ATM machine by my house and stole my debit card info and made fraudulent transactions with my debit card online on XXXX XXXX XXXX. I called the police and made a police report about the whole situation. 

I disputed it, emailed back a fraud questionnaire on XX/XX/year> and Direct Express is lying claiming I never mailed it back on XX/XX/XXXX. before the 10 day deadlone to recuev the provisional credit so therefore I'm not eligible for the provisional credit. 

Last week on XXXX XXXX XXXX Direct Express XXXX they will give me the provisional credit for the {$300.00}, gave it to me then reversed XXXX of the credits and took it back. They just had a class action lawsuit for mishandling fraudulent claims.
Product: Credit card

I have a disputed charge for {$140.00} from XXXX for a purchase that I never received. I tried disputing it with XXXX first but after I waited the XXXX weeks and saw no refund, I contacted Synchrony ( PayPal Credit ) to dispute the charge. They collected dates and all the information I had. They then denied my claim twice. I've been using PayPal Credit for years and I've never not paid for a legitimate purchase. My credit score is almost in the XXXX so I don't want it ruined over this, but I will not pay for something I never received.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX  XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from Chase at XXXX. I called chase XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX and a XXXX card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.
Product: Vehicle loan or lease

A car warranty was added to my loan, even when I said I did not want it. When I discovered the mistake, I cancelled it. The warranty company sent the refund to the car dealership. The dealership issued a check to my lender, Capital One on XX/XX/2021. It was deposited by Capital One on XX/XX/2021. It has never been credited to my loan. I have made numerous phone calls and talked with two different Resolution Specialists. The car dealership has faxed a copy of the check, along with the proof of endorsement and deposit, three times. My last contact on XX/XX/XXXX assured me he would take care of the matter and call me to inform me of any updates. He said ( as the previous Resolution Specialist said ) to allow 3-5 days. I have not heard back from him, as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account ( finance ) # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

I had a fraud incident in XXXX of 2022. The Discover fraud was immediately investigated and the case has been closed with the funds refunded. There is no mention of fraud being reported, investigated, or closed anywhere on my account. I have attempted to get Discover to email or send me a letter saying I reported fraud for over an week and they are refusing to. I need this letter for the police and Discover is refusing to provide it. The only records I have is my statement showing initial purchase and later refund with no mention of fraud which the police have told me does not suffice.
Product: Credit card

I was charged by a third party without authorization. 
I disputed the amount but my credit card company still charged my for XXXX without any proof that I authorized the transaction. I spent hours on the phone with them but they are not giving me my money back
Product: Credit card

American Express sent a letter to me, dated XXXX XXXX, XXXX, stating that they were updating my address from XXXX, to XXXX ( I moved in XXXX ). However, I have not had any kind of relationship with American Express since I filed for personal bankruptcy in XXXX ; the balance on my old AMEX card was written off in the bankruptcy. On XXXX I called American Express Customer Service ( at XXXX ), spoke with XXXX, and asked him why they were trying to communicate with me via USPS. He told me I needed to call their " Special Handling Team '' at XXXX, which I did. I spoke with XXXX XXXX and asked her why they were communicating with me when we had not had a relationship in over a decade. She told me that they received information from " the USPS data base '' that my address had changed, and that is what triggered the letter. However, she refused to state why American Express had attempted to send a letter to me in the first place, and when I asked to speak with her supervisor, she hung up on me. 

American Express is harassing and haranguing me over an old debt that was discharged in bankruptcy. American Express needs to tell me why they are trying to contact me and why they are harassing me. If it is in fact because of this old debt, they are violating the Fair Debt Collect Act and they need to be sanctioned for this violation of federal law.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I reviewed my credit report and noticed that there was a collection account dramatically impacting my credit report and score. On XX/XX/XXXX, I immediately disputed with all 3 credit bureaus, as I have had no knowledge of this alleged debt. 

Under the FDCPA, I have the right to request validation of the debt that any collection agency states I owe. Further, when an account is in dispute, the collection agency is required to cease all reporting until debt has been investigated and validated. Capital Accounts has not only failed to do so, but has falsified the alleged amount owed, by altering the dollar amount month over month to in a fraudulent effort to collect on alleged debt that is clearly being disputed. 

While this may be minute to some, it infringes on consumers rights and needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, Equifax and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX  Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with XXXX.
Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My XXXX  Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.
Product: Debt collection

I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against FLAGSTAR BANK for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 

However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unnecessary personal information on my Equifax credit report, including my name, Social Security number, and date of birth. I requested that Equifax : Correct inaccuracies in my reported name to match my legal documentation. 
Remove my Social Security number and date of birth from the public view of my credit file for privacy and identity protection purposes. 
Equifax responded, stating that my information is accurate. However, they failed to address my request to remove the Social Security number and date of birth for privacy reasons. Additionally, they did not clarify what version of my name is currently being reported, making it unclear whether any correction is necessary. 

This lack of clarity and failure to address my concerns violates my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccuracies and ensure my credit file reflects only necessary information. 

I have attached supporting documentation, including my drivers license and Social Security card, to validate my claims and request.
Product: Student loan

I advised Navient that I wanted pay off my loan as soon as possible but was n't sure of future income. They advised me that if I place myself in a XXXX year program but make extra payments that I could have my loan paid off quickly without worrying about not making double payments every month. With a XXXX/month payment at XXXX years I was making XXXX/month payments but my principal was never going down. Multiple months they miscalculated how much was going to interest and how much was going to principal. 
I am constantly on the phone with them having them audit the amounts that go to principal and interest. After XXXX years and a total of {$26000.00} paid my interest only reduced by ~ $ XXXXXXXX6.5 % interest. When I consolidated my loans I expected a lower interest rate as a combination of my previous loan average interest rate. However, that does n't seem to be the case. I was never informed of any income based repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XXXX XXXX to CREDIT bureau ) to remove XXXXL XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after XXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,
Product: Credit card or prepaid card

Oopps I WAS WRONG thinking USAA PERMANET CREDITS XX/XX/XXXX {$170.00} XX/XX/XXXX {$75.00} ARE REALLY PERMANET even though they ARE INCLUDED IN TOTAL CREDITS THIS PERIOD & SHOW AS ADJUSTMENT PURCHASES CREDIT see XX/XX/XXXX statement attatched. See attatched statement XX/XX/XXXX XXXX USAA REVERSED THESE PERMANET CREDITS {$170.00} & {$75.00} XX/XX/XXXX. See attatched USAA Statement XX/XX/XXXX {$15.00} {$17.00} {$25.00} PERMANET CREDITS USAA ** REVERSED XX/XX/XXXX see attatched statement. USAA can view these statements on line. TWO YEARS XX/XX/XXXX FRAUD NEVER CREDITED WITH ANY USAA PERMANET CREDITS ** THAT STAY PERMANET. DOES USAA HAVE ANY PERMANET CREDITS PERMANET??? I HAVE BEEN THROUGH ALL TEMPORARY CREDITS then awaited them TO BE MADE PERMANET TWO YEARS LATER and after I. Have had to FIGHT USAA TO MAKE PERMANET CREDITS DUE cleverly at a later date USAA REVERSES USAA PERMANET CREDITS. AGAIN, DOES USAA HAVE ANY PERMANET THAT ARE PERMANET???????