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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX  XXXX Balance XXXX {$140.00} 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: Credit card or prepaid card

On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX. 

A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm Acct XXXX XXXX XXXXXXXX Dispute XXXX XXXX I HAVE ALREADY DISPUTED THIS ACCOUNT WITH XXXX XXXX THIS IS A RE-INVESTIGATION. YOU HAVE 7 BUSINESS TO REMOVE THIS ACCOUNT. YOU MUST CEASE AND DESIST ALL REPORTING, IMMEDIATELY! 

XXXX is assisting companies with breaking consumer laws, by allowing them to make false, inaccurate credit reports. Affirm did NOT provide ANY documented proof that I requested or agreed to obtain a loan. More and more, XXXX is apparently going on these companies ' word, instead of documented PROOF of applications, loan agreements & purchase agreements. 

Because the requested documents DO NOT exist, I order you to CEASE AND DESIST reporting to my credit reports, starting TODAY, XX/XX/. Any further reporting is classified as harassment, breaking Federal and state & laws, as well as violating my consumer rights. 

In my XXXX Credit dispute report # XXXX, Affirm FAILED to provide the following requested documents, because They DO NOT EXIST : XXXX. The dated and signed loan application with my wet signature. 

XXXX. The dated and signed loan agreement with my wet signature. 

XXXX. The original purchase agreement that shows I am the legal owner of this alleged debt to include all terms and conditions that are included in this purchase agreement. 

Since you did NOT provide ANY of these documents, I requested that you remove this acct from my XXXX  credit report. Since you refused to remove this account, NOW I AM ORDERING YOU TO CEASE & DESIST ALL REPORTING TO MY CREDIT REPORTS IMMEDIATELY & PERMANENTLY.
Product: Credit card or prepaid card

I enrolled myself into XXXX credit card and my account got transferred to FNBO Bank which I wasn't aware of. I was then bugged by FNBO bank on late payments. 

My XXXX credit card was on auto-pay and I initially used to double-check to make sure my payments were going through. My bills were always paid on time by the auto-pay service and when the account transfer happened without my knowledge or my approval I started receiving emails from FNBO bank. I assumed those emails were spam like all other pre-approved credit card emails I get. I got emails about late payments and I thought that was a scam email trying to steal my money. 

I decided to call and check if they were legit and I realized that they used my XXXX credit card info and created an account with their bank and charged me a late fee. The charge was for XXXX $ so I did not feel like wasting my time trying to fight it. They did not transfer my auto-pay information nor charge my bank. They probably decided to make money out of the late fee I guess. I also asked them to close my account with FNBO as it was something I never signed up for. I was pretty much tricked into opening up an account with them. 

The only credit account that was indirectly opened with them was my XXXX credit card and if that would no longer work with the benefits that were advertised I did not see a point in banking with some sketchy bank After all the mess that they have put me through the bank reports that I was late on payments. With the bank trying to get customers to use their cards and trying to scam me I called them to dispute that and they hang up on me. After few more hours of wasting my time, they tell me that I would have to contact all three consumer reporting services and dispute the report. 

How exactly is this legal and how do they expect me to assume that they aren't scammers? If they had all other information about me why did they not have my bank info and why wasn't I enrolled in autopay? Why was I never informed about the change in cards and why was I not asked if I would be fine to switch my account to FNBO bank and lose my XXXX benefits? 

This is literally a stunt to get free customers because that bank is probably running out of business. Why should I be going through all this for a XXXX $ charge that they put on an account that I'm unaware of? 

I'm so mad at them for wasting my time and not doing anything about this. Now I have a card on my report that I never wanted and also a late payment report that would ruin my credit score. I never missed a single payment on any of my other cards and why would I not pay XXXX $ If their people were legit and told me what that was for. Worst part is I still don't know my bank account number at this FNBO bank. 

What are my options here? Doesn't the law protect customers from being scammed? My information was misused here.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company XXXX XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST HERITAGE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$220.00} Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$70.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on show up on my credit report that I didn't authorize or initiate. It seem to have taken place sometime XX/XX/2023.
Product: Debt collection

XXXX XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft theres tons of inaccurate information on my credit report and i cant get any help I have tried sending letters and making a complaint I HAVE EVEN CONTACTED SOME OF THE LSTED PARTIES WAS ADVISED WILL BE REMOVED BUT NOTHING HAS BEEN DONE. 

Please help me remove the several mailing addresses I only have this address ALL others should be removed ; Correct address XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a formal complaint regarding the sudden closure of my Citibank account without any prior notice or explanation. I found that the account was closed at XX/XX/2024, but I have no idea when it was closed. I have more than XXXX USD in the account. I have no idea where is the money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i do not know nothing about those companies i have those inquiries without my knowledge
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 TransUnion 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 collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a balance XXXX, a collections account XXXX XXXX account opened on XXXX, XXXX XXXX under the account number XXXXwith a balance {$860.00}, a collections account XXXX XXXX account opened on XXXX, XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached 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 # XXXX 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

As of today, XXXX  and Equifax are still reporting an fraudulent account and inquiries on my credit report, regardless of the fact that I sent in a police report, FTC REPORT as well as all supporting document to support my identity. Equifax has been giving me the run around stating that I need to supply multiple ftc reports with on " 5 '' items on each. much to my dismay, I did exactly as they asked and they are still reporting this fraudulent information. XXXX  keeps doing investigations and verifying this item as accurate. These companies are taking advantage of consumer by reporting this negative information during the worst time ever. I have included documents to support my complaint below.
Product: Debt collection

There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, Golden 1 Credit Union started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to Golden 1 Credit Union, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with Golden 1 Credit Union even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XX/XX/XXXX and explaining that no payment has been returned from any truck payment. Golden 1 Credit Union failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 Golden 1 Credit Union finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information. 
I have been harassed, ridiculed and have had this business destroy my credit without just cause.
Product: Debt collection

On XXXX I received notification that a new collection account from PROCOLLECT , INC for {$550.00} was placed on my XXXX and XXXX  credit file for an alleged debt to XXXX XXXX. I have no knowledge of this account or alleged debt. I never receiving a dunning notice from Procollect Inc informing me of the debt and that they were in possession of this debt. 

On XXXX I disputed the debt with XXXX and XXXX  and that the account is not mines and I have no knowledge of this account. I also explained to XXXX and XXXX that I never received a dunning notice from Procollect and that this account needs to be deleted from my credit file. 

On XXXX I sent a debt validation letter to Procollect , Inc. 

On XXXX I received notification from XXXX that the account was verified and will remain on my account. XXXX has not been able to produce to me what was verified and by whom. No updated from XXXX has been received, however the account still remains on my credit file.
Product: Credit reporting or other personal consumer reports

Recently the Consumer Financial Protection Bureau filled a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports, I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Checking or savings account

M & T locked my online access to my account, they indicated I have to go to the branch to resolve this issue. However, I have moved and is travelling outside of M & T foot print and could not visit a branch. 

I have spoke with their Fraud team, customer service, Branch, and Executive Complaint team on numerous occasions and no one is willing to resolve the issue M & T is illegally holding my fund and prohibit me access to my checking account.
Product: Credit card or prepaid card

I was hired by an employer under the name XXXX XXXX who was referred to me by a company called XXXX XXXX XXXX. I applied for that job on XXXX. When they said that position was filled they referred me to apply for XXXX because she needed a XXXX XXXX. I started Monday XX/XX/20 and she mailed me a check for {$2800.00}. She advised to deposit into my personal account ASAP and keep {$200.00} for myself. I confirmed it went through XX/XX/20. Immediately she had me go to XXXX to purchase XXXX USD of XXXX money orders and have them shipped to a address she provided for priority shipping for an additional {$52.00}. Now today XX/XX/20, the check has bounced and all that money was charged to my personal account. They scammed me. Ive spent countless hours on the phone with Bank of America and they will not file a claim and refund me my money since they do not deem it as fraud. Ive had a long relationship with this bank and they are holding me responsible for being scammed and wont reverse the charge. They are the absolute worst bank.
Product: Credit reporting or other personal consumer reports

Please remove the following inquires as they were not performed by me. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX  {$260.00} Not my account, no response from the bank. 

XX/XX/2022 XXXX XXXX XXXX {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy