23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.
Product: Bank account or service

bank fees for insufficient funds could not transfer money from Savings to checking to cover debits because the wells fargo app was not working. called to transfer money, was told by wells fargo that they could not do that over the phone and to go to the ATM. ATM was not working and i was not able to transfer money in time.
Product: Checking or savings account

On Friday, XX/XX/XXXX at approximately XXXX XXXX I went to BMO Harris bank on XXXX XXXX XXXX in XXXX, WI to deposit {$240.00} into my checking account via ATM. At that time {$120.00} was recorded but was not placed into my account however {$240.00} was the amount deposited. The denominations were one single  XXXX dollar bill and seven XXXX dollar bills. The ATM logged off and shut down, and at that time I saw an employee exit the building as they were closing for regular business hours. I asked her if she worked at the branch and she replied yes. I quickly explained what had just happened and the employee stated that the only way she could help me was for me to come back the next morning. The next morning I went back to the branch to discuss this with the same employee about the issue I had experienced at the ATM. She called the corporate office and filed a dispute to rectify my {$240.00} deposit. I was told ATM would be balanced and my money would be deposited at a later date. However my rent was due and I needed the money placed in my account immediately. My boyfriend stepped aside to take a phone call, the employee proceeded to offer me a credit card so I could take a 26.4 % cash advance on the credit card in order to pay my rent. I had no intention of opening a credit card, I did not believe this was the only option to obtain my funds however felt forced into opening a credit card with BMO Harris. Due to my age I felt that opening a credit card was not a reasonable option. After I had opened up the credit card, I called the BMO Harris customer service phone number to explain the issue that had occurred and the lady on the phone would not help me as she was stating that I was being " coached '' by someone in the background during my phone call, the lady proceeded to state that she could not help us due to this fact and hung up. To date my funds have not been deposited into my account. On XX/XX/XXXX, I called the bank manager to see how this situation had progressed and was told that it was not even on record but would look into it the following monday, XX/XX/XXXX. I am not in a position to be without this much money and need this rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; SOC SEC ADMIN OFFICE O, XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

There were fradulent ATM transactions from my accounts when I was travelling to Alaska. All the transactions ( 5 of them ) were in and around XXXX XXXX while I was in Alaska, were ATM withdrawals of {$300.00} each. The ATM card was with me and the pin number is very secure and nobody other than me knows the pin, including my spouse. I raised a complaint with Wells Fargo bank online and they mentioned that since my card was secure and my secret pin was not used, this is some fraud charges and took my case. after making me wait for 2 weeks the bank got back saying I made the withdrawals myself and held me liable for these charges. This is a case of low security on my card and the account was supposed to be {$0.00} fraud protection premium account. I park majority of my liquid funds in this account with this trust. My card is already blocked and the online account is disabled, but more than me wanting to find who did the fraud I want the {$1500.00} back. The bank did not ask me any proof for alibis and my card usage outside the area where the fraud took place, not sure how they came to a conclusion that this is an authorized transaction by me
Product: Debt collection

Commenity Bank - Victorias Secret Credit Card has been repeatedly calling me. Call log below for today alone. 

XXXX Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX Call 3 at XXXX XXXX Call 4 at XXXXXXXX XXXX Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX Call 9 at XXXX XXXX Call 10 at XXXXXXXX XXXX  This IS harassment! I have screenshots of the call log and will continue to do so until it stops!
Product: Vehicle loan or lease

I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated 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 reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was looking for a business loan so I filled out application. Once the application was filled, I started getting call from different lenders. So I received a call from this XXXX XXXX, who was calm and not pushy. This made me so comfortable that I did not think otherwise of his talks. 

He mentioned because I did not have an established good credit, I will have to secure the loan with a security bond, which is going to cost me like {$6000.00} and some change. I asked for documentation from the security bond but was told they will only provide that once money is paid. 

So to initiate the transaction, they will credit my business account with XXXX and will debit 3 times. On the XXXX  day, I will wire the balance plus the cost of the security bond. The XXXX was credited into my business account on the XXXX. The debits was taken out of my account on the XXXX, XXXX and XXXX. and as agreed, on the XXXX of XXXX I wired ( {$9400.00} ) the balance of the XXXX plus the XXXX and some change. Once the money was wired on the XXXX, he stopped picking his calls, his emails started coming back undelivered. It was when it dawned on me that I have been scammed. To my surprise, on the XXXX and XXXX, they continued to withdraw from my account. which I have reported to my bank. on the XXXX of XXXX to recall the wire and also disputed other charges. 


As of today, XX/XX/2022, 53rd bank has not updated me as regarding the status of this recall. I have made several attempt to call them to no avail. Every time I call, they said the other bank has not replied to them. They give me same excuse everyday up until today. This is why i am reporting that 53rd is not doing enough to help me get my money back from XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( XXXX XXXX XXXX / XXXX XXXX ACCOUNT NUMBER XXXX I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( XXXX XXXX XXXX / XXXX XXXX ACCOUNT NUMBER XXXX XXXX SENT TO XXXX XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft. suffered due to not being able to obtain credit.
Product: Credit card or prepaid card

I had only made  one or two purc hases on the credit card. Then a few weeks later I noticed the credit limit on it was all gone. And I had not made these purchases. I have proof because I do not have the receipts for them. You can check the camera where the card says I bought it. Or you can check with the cashiers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, transaction ( s ) that I have not made. it is the result of identity theft.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification.

According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 
According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. XXXX XXXX {$31000.00} XXXX. XXXX XXXX  {$15000.00} XXXX. XXXX XXXX  {$11000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$0.00}
Product: Debt collection

I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 


However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt. 


A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties. 

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law. 
" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested. 

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both. 

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me. 

Kind regards,
Product: Payday loan, title loan, personal loan, or advance loan

What happened here is that First National Bank of Omaha wronged me as a customer by violating the terms and conditions of my personal loans agreement. Back in XX/XX/XXXX Ive signed a XXXX personal loan agreement with First National Bank of Omaha XXXX FNBO ) for {$3500.00}. Ive signed up for automatic ACH payments on my account, which made automatic payments to principal and interest at a cost of {$91.00} per month. The first such payment occurred on XXXX XXXX, XXXX. The final payment should have occurred on XXXX XXXX, XXXX, under the terms and conditions of the loan agreement. But FNBO breached the contract by extending the loan term without my consent beyond 48 months. Theyve sent me a XXXX billing statement saying I owe XXXX cents on the loan. An automatic payment of XXXX cents is scheduled to occur on XXXX XXXX, XXXX, and FNBO is still reporting my loan account as active to the national credit reporting agencies. My problem here is that I should have never been sent a XXXX billing statement demanding more payments, and FNBO shouldnt be attempting to collect a XXXX payment from me as it violates the terms of the XXXX loan contract. FNBO deceived me and gave me the false impression that they would report my loan account as paid in full once Ive made XXXX on-time monthly payments. But my personal credit monitoring service records show my FNBO account remains active with XXXX years and XXXX month as an FNBO personal loans customer. My status as an FNBO customer should have ended in XX/XX/XXXX with the XXXX payment that contractually was supposed to be the final payment. Ive contacted XXXX on XXXX XXXX, XXXX, voicing my complaint and requesting they rescind the XXXX billing statement and waive the XXXX fee. The individual named XXXX said he could only convey my complaint to his XXXX. So XXXX making this CFPB complaint to report FNBOs unfair and deceptive trade practice. The fact that XXXX is charging me XXXX cents toward principal in a XXXX payment suggests theyve unjustly enriched themselves. Their calculations for the loan amortization harmed me as a customer for their own gain. They shouldnt be allowed to get away with this blatant breach of contract, and the damages theyve inflicted upon me is greater than XXXX cents. XXXX demanding justice and accountability. Thank you for taking my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the  verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX  XXXX # XXXX, ***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 My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

1. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts is written as a charge off on my credit report and I never received any of the 1099 cancel of debt forms from original creditor and because of that this account is inaccurate and needs to be removed immediately if the account was written off by the creditor this means that the account is an taxable income and is paid off and that there should be an XXXX balance on the account and it should be removed from my credit report immediately thanks
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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