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

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, An account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account 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 of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Despite my efforts to address the issue directly with the credit bureaus, I have not received a satisfactory response I am filing a complaint with the CFPB to request assistance in resolving the matter.
Product: Credit reporting

While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Debt collection

My brother XXXX XXXX used my name to apply for a credit card from Capital one and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is Capital one Now bought by XXXX  XXXX XXXX
Product: Credit card

XX/XX/XXXX, someone applied for two Bank of America credit cards using my information. I received a credit notification from XXXX ( my current credit card provider ) as a part of their included credit monitoring program. I was able to take a look at the details last evening XX/XX/XXXX and it was a hard inquiry vs. soft which concerned me. I have not applied for any new credit in some time. As I currently have no business with BOA my concern led to a call to XXXX this XXXX  The rep at XXXX informed me the inquiry was valid and advised me to 1. call BOA to report the issue ( which I did ) 2. report to the XXXX site which forwarded me to you based on how I answered their online questions, and 3. to create a police report which I plan to do next. They also placed a fraud alert on my record and told me that alert would also notify XXXX and XXXX. I did obtain the application numbers from BOA and they will investigate and may/may not provide me resolution per their rep. I did request they remove the hard inquiry from my account as each can affect credit score. If there is further information I should share or actions I should take, please let me know.
Product: Mortgage

I went onto their website because I had been sick for several months to see if they could help me. They have made absolutely no attempts to work with me or help me. I received a voicemail from XXXX at the end of last week. I called back but didnt get connected with anyone. I called back today and finally spoke to her and was pretty much ridiculed about my payment I told her that I could make a payment today and make two more before the end of the month but that wasnt good enough. I was supposed to be in loss mitigation but she demanded a date for two payments which I gave her this coming Friday XX/XX/year>. Instead of helping me during my time of illness, they have tacked on almost a XXXX XXXX  dollars for me to pay without even starting the mitigation process. There should be a law against all of these extra fees especially when consumers are in contact with them asking for help. This company is a complete scam. I had XXXX  which put me in a very bad place illness wise because I have XXXX  XXXX, I was taken out of work for XXXX XXXX months. I just went back to work and Im trying to get on my feet but all they are concerned about is taking my home.
Product: Checking or savings account

XXXX XXXX XXXX XXXX me {$1200.00} and {$97.00} and I didnt recognize that transaction because my wallet was got stolen and Chase said thats my authorized transaction and denied my claim
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The reason Im writing this letter is to dispute my most recent late payment. This is my XXXX account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with XXXX   many years ago and I had a negative experience. I said I would never bank with XXXX again. However, my XXXX  account as switched from XXXX XXXX to XXXX. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking XXXX to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because XXXX switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with XXXX  to be a negative experience is frustrating.
Product: Checking or savings account

In XX/XX/2023, I opened a M & T Bank checking account ending in XXXX. On XX/XX/2023 my direct Deposit payroll was deposited in the account. When the account was opened, it was offering a {$200.00} bonus when {$500.00} was directed deposited and I have met the requirement already. According to the M & T Bank Representative, I spoke with on or about XX/XX/2023, the bonus should have been given within 90 days from the date the direct deposit reached the account. 

She advised she would escalate this case to someone for them to review it and give me my bonus. Advised there would be a resolution in 1-2 weeks. On XX/XX/2023, I spoke with XXXX, XXXX and was advised the case is still open and I need to talk to sales to find out the status of this. I am not doing this run around thing like last time, with my M & T Bank mortgage ending in XXXX. I am demanding that M & T Bank pay out my bonus of {$200.00} that I am rightfully owed within 5 business days.. It's passed the 90 day timeframe provided in the offer terms. 

Enclosed : XXXX XXXX Monthly Account Statement
Product: Payday loan

For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash. 

I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products. 

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissappointed with the Credit Bureuas choice of actions as they decide to not remove the disputed accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I previously sent a dispute letter to the Credit bureaus dated XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I was a victim of identity theft and my Personal information was stolen and used to open these fraudulent accounts. I have read that the Credit Repporting Agencies are required to remove any accounts and information that resulted due to identity theft under the strict provisions of the Fair Credit Reporting Act section 605b. However, in my case, the Credit Bureaus refused to remove the disputed accounts and information as they even claimed that the disputed accounts and information were verified by the Creditors! And yet they have failed to send me copies of proof of verification or proof of ownership to support their claims. I am now submitting this CFPB complaint as a follow up to my previous CFPB complaint I submitted last XX/XX/XXXX. Please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

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. 
And Ive never had a diploma or GED to sign up I quit school in the XXXX grade but XXXX XXXX Told me that I didnt need anything to XXXX  from XXXX XXXX  so I enrolled not knowing 20 years later Im still having to pay a loan I wasnt supposed to pay because it closed down due to fraudulent charges against XXXX for taking people money and giving them a lot of debt
Product: Checking or savings account

Bank of America withholds deposits and other transactions in order to assess fees. They just did it to me again, I was alerted immediately when my account became overdrawn. I then immediately transferred funds from my XXXX account into my BOA account, which usually hits immediately, but if didnt, then I was alerted I was assessed a fee so I went back to XXXX and transferred more money thinking maybe it will go through and it did not either. So now the money is out of XXXX and is not in Bank of America its being held by boa, meanwhile they are charging overdraft fees to my account. Im sick and tired of this shady business practice by boa
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 any purpose
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2014 with a balance of {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries for XXXX XXXX XXXXXXXX and XXXXXXXX XXXX were fraudulent and need to be removed from my credit report
Product: Credit reporting or other personal consumer reports

Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the XXXX XXXX Data breach I've been trying to figure out how to freeze my accounts at Equifax, XXXX and XXXX. In the case of XXXX, I'm unable to sign in or create an account due to 'error 16 ' while both Equifax and XXXX are requiring U.S. details. The last straw was when I tried calling XXXX and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( XXXX, I believe ) which might have gotten me in the door of at least one of them. 

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are XXXX XXXX SSN holders then that would be the limit of attempts to change a status instead of XXXX XXXX not even including myXXXX for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to XXXX XXXX SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right? 

BTW, I'm not angry... frustrated and mildly irked, maybe. XXXX  about getting ahead of a serious problem down the line, definitely. I spent 20-25 years in IT and mastered my craft. I understand the problem but I also understand the solution. 

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ***** XXXX, XXXX XXXX XXXX, XXXX 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.
Product: Vehicle loan or lease

I purchased a used car in XXXX a XXXX. and unfortunately, it was repoed in XXXX and sold by the tow yard for {$3000.00}. Lobel Financial has been garnishing /wage attaching my paycheck since XXXX. I currently been with my new employer since XXXX and here comes an attachment from Lobel Financial again, filed XX/XX/XXXX. what the heck I recently saw on google that the had a class action lawsuit filed against them in XX/XX/XXXX. and lost. So now why are they coming for me again with a vehicle that was reposed and sold from XXXX this can't be legal. I need help! they trying to get 25 % of my check.