23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reported to Chase Amazon Credit Card member service, then filed a complaint to XXXX Police Department, filed a consumer complaint with the Texas Attorney General 's Office of Consumer Protection, and notified FTC that someone has stolen my credit card information and placed unauthorized charges on my CHASE, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I have sent to XXXX XXXX XXXX XXXX XXXX XXXX, AND CHASE all collected evidence that proves I was a victim of identity theft. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AND CHASE have launched an investigation into my identity theft incident. XXXX, XXXX XXXX, and XXXX  XXXX XXXX have found that I was a victim of identity theft. Therefore, I am not liable for the unauthorized charges. 
However, CHASE AMAZON force me to make payment for XXXX Furthermore, CHASE is not able to send me any copy transaction invoice of unauthorized purchase tracking. Except, for the XXXX invoice saying the item was delivered to my address and was signed for. This is untrue because I did not receive or signed for any item from this unauthorized purchase. XXXX  can not provide a copy of the signature for this unauthorized item. Amazon has deliberately erased all of my purchased histories to support that the unauthorized charges were made from whom, email notification to whom, and tracking information to whom. Since Amazon erased all of my purchased histories there are no traces for me to see the unauthorized item was sent to whom to what email for notification tracking. 
There is no denying that CHASE and XXXX  have not been able to prove and send me a details copy of the unauthorized purchase of order containing the start of order notification invoice, shipping order notification invoice, expected delivery date notification invoice, tracking, and delivery. All genuine and authorized orders are always received notification in the email for tracking purposes from XXXX or Amazon. There are no notification traces from my email, or text messaging from Amazon purchase histories of this unauthorized purchase because someone clearly has stolen my credit card information and committed the crime using my identity. This strongly proves that I was a victim of identity theft and the unauthorized charges must be dissolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 a 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 purpose
Product: Checking or savings account

XXXX XXXX has been appointed a 3rd party service provider for the refund of unauthorized add-on products ( Identity theft ) from Wells Fargo XXXX I called XXXX XXXX after receiving a letter from Wells Fargo regarding add on fees I incurred from Wells Fargo unauthorized. I was informed I would be mailed a check in the amount of {$460.00} plus an additional {$250.00} for fees I had incurred. Unfortunately, I have not been compensated as promised. I was only mailed a customer satisfaction check for {$250.00} and not the {$460.00} in fees I had incurred. I was initially told I would be reimbursed within 20 days. I was then told 30 days, then 45, and finally 60 days. I was also, told my case would be escalated yet still nothing. I requested a mediation form to be mailed so I could fill that out while I awaited payment and unfortunately XXXX has refused to adhere to the timeframe to reimburse. This is not acceptable & even more frustrating because Wells Fargo has caused financial hardship to me due to overdraft fees, add on product fees, etc. This has resulted in account bank account closures and a tarnish on my banking report. My reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/XXXX  when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX. Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Product: Debt collection

National Credit Adjustment Balance {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB For past 10 months now I been trying to dispute unverified items on my credit report file. I have not got any results of document verification that account belongs to me with my signature and social security number. according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), THEY ARE REQUIRED BY FEDERAL LAW TO VERIFY through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it's my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the account listed below. they have failure to positively verify these accounts has hurt my ability to obtain credit. UNDER the FCRA, UNVERIFIED ACCOUNT MUST BE REMOVED AND IF THEY ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, they must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX
Product: Checking or savings account

Below are the cases # that Citizens Bank has neglected to reimburse me. 

These were all wire transfers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2019, a check was cashed by the mortgage company I was then charged a late fee stating the check was not received, was informed they put it a holding account. The next month I sent two checks one for the payment and an additional one with instructions to apply to the holding account to have those funds taken out of hostage. On the back of both checks and on statement the were informed on what was to be done. They cashed the checks but did not follow instructions and continue to hold my money hostage. I refuse to send additional funds to remove my hostage account because they do not follow instructions. My payment has been made several times and they won't apply it to the account and continue to charge a late fee, when it was NEVER late. Also, not being told I've been called, I DO NOT have to answer calls I do NOT recognize the number Of!!!!!!!!!
Product: Bank account or service

Deposited {$13000.00} into account from my retirement service and they are holding the funds for 11 days even though the check issuer, XXXX bank says they can clear immediately if they contact them. I called my bank USAA and they said there is no way anybody can release anything that is an automated process and it determines itself the time to release funds. Are we not human anymore? I am facing eviction and that is the only reason I took money from retirement. This is abusive and it clearly shows how wrong the system is. They will keep that money until they legally can even though they got the funds cleared. That is stealing money from me and gaining interest or whatever works for the banks advantage. The laws should protect the consumer and the money you deposit should be released to you once it clears not when they say Please help us in amending these rules that clearly favors the banks and not the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, The information you are reporting to the CRA 's is wrong. The charges you all are reporting for over mileage are not accurate. You are required to prove what you are claiming against me. You can not invent charges and then try to force me to pay for them when they are not accurate or valid. Please respond with photos with timestamps of the odometer and contact details with the person at the dealership who took them as proof of your claim that I was over mileage. The vehicle was returned nearly 3 months before you all decided to present me with these scam you created to try and get money from me. 


Provide proof of custody of the vehicle and surveillance that can prove that someone else did not take the vehicle and drive it to add the alleged extra miles during the 3 months you had the vehicle before you started trying to rob me of more money! If you can not do this, you need to drop this and stop trying to bully a XXXX XXXX XXXX or this will be on the news! XXXX my name XXXX XXXX and you will see that I am a public figure with access to media. I am tired of this game you all are playing with me. You are a bank, You got more money than the car is worth, and you are so greedy that you will keep resisting doing what is right for months? Why is this so important for you all? Just drop this and save some dignity and decorum for you brand! 

You are NOT owed the money you are requesting and you can not prove that I am responsible for whatever mileage number you have recorded. I was told at the turn in appointment that I owed nothing, that mileage was under, and that the extra warranty and insurance I purchased at the dealership covered anything else. It is unfair and wicked to come attack me for money 3 months later!
Product: Debt collection

On XX/XX/XXXX. I received a written notice from I.Q. Data International stating  they were a debt collection agency and we're attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. This was the first and only written communication I have received from IQ Data International and have never received any communication from XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX, I called the account Representative at IQ Data International, XXXX XXXX, for an explanation of the debt. Mr. XXXX explained that the debt is a result of additional charges due that were not covered by the security deposit upon termination of a lease at XXXX XXXX XXXX. I explained to Mr. XXXX that I formally disputed the debt. Mr. XXXX provided me the name and email address of his supervisor. And instructed me to email a dispute letter to her. 

On XX/XX/XXXX I emailed a dispute letter to the IQ Data International manager,  XXXX XXXX at the email address provided to me by Mr. XXXX advising IQ Data that I disputed the debt in its entirety. 

On XX/XX/XXXX, a derogatory entry was made on my son 's credit report. On that same date, I emailed Ms. XXXX demanding the entry be removed as the entire debt was in dispute. On XX/XX/XXXX, a derogatory entry was made on my credit report for the same debt. 

Currently, and as explained to IQ Data International, this debt has been disputed in its entirety and is working its way through the Civil claims court process.

I believe that I Q Data International violated the FDCPA law 809 ( b ) by entering derogatory remarks on both my and my son 's credit reports despite having been notified this debt being disputed in its entirety.
Product: Credit reporting or other personal consumer reports

I have requested from XXXX, XXXX and transunioun signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect
Product: Credit reporting

this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying
Product: Mortgage

My father passed and I the property has been left to me, The mortgage has matured out and the mortgage has ballooned out. I need this mortgage modified for a mortgage payment to be affordable and the mortgage fixed for 30years. I don't want to lose the property my mother resides in the property and I also stay there to assist with her care.
Product: Prepaid card

My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.
Product: Credit reporting or other personal consumer reports

I deny the accounts below are my debts, I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. 
Equifax, XXXX, and XXXX are reporting two accounts with XXXX XXXX that are not mine, evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me and XXXX has not been established disclosure creating credit or specific information such as the original contract with my signature for XXXX XXXX XXXX XXXX, supposedly agreeing to the account or payment terms. As a result, this reporting fraudulent accounts and information on my credit report provided by XXXX XXXX via Automated Customer Verification Information only. The credit report they are reporting under my social security number is inaccurate and procedures were not done to ensure maximum possible accuracy per FCRA 607 ( b ) 15 U.S.C. 1681 et seq.

I admit that I am victim of identity theft, thus filed an incident report with my local Police Department XX/XX/XXXX case number XXXX, Federal Trade Commission Identity Theft Report, and 605 ( b ) identity theft report all which have been disclosed to XXXX, XXXX, and XXXX. 
I admit that this has caused me mental distress because of humiliation and embarrassment ( court date XX/XX/XXXX ) good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and physical stress as she is a XXXX XXXX XXXX XXXX  for health treatment during these correspondents with XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ). I have no knowledge of the account below or contractual agreement with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NY XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is reporting a lien on my XXXX and Transunion credit reports. I went on the XXXX XXXX XXXX XXXX 's website and searched my last name to see if it was any information, there isnt.