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

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXXXXXX Balance XXXX XXXX {$690.00} ; XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I went to get gas for my car. I tried using my Bank Of America Debit card and it did not go through. I get to work and it takes 45 minutes to get alive person on the line. Once there is a human another 10 minutes to verify yet again, such an inconvenience to the customer. 

I speak to an individual that told me that my card did not work because my current card expiration date expired. I stated how can that be when it expires in XXXX and we are in the year XXXX. Totally ignored my statement and stated that. The company sent me another card that was activated. I asked how can that be I never received it. I am getting irate and there is over 20K on my card activated and the card is not in my possession. I am feeling like this is fraudulence occurring within the company. 

I hung up the phone as I was at work. I called back and spoke to a supervisor whom stated that they have no idea why my card was cut off. They advised that there are no current cards activated and the other representative misinformed me.I said I have no access to my funds she stated that the system glitches and cut my card off. I have no access to funds. I state this is suspicious and I feel like fraudulent activity is occurring, on my account. No response no assurance none whatsoever, just dead silence. 

This manager stated that they would expedite and overnight my new debit card, which is still not here. Supposedly it was ordered XX/XX/XXXX and it is XX/XX/XXXX still no access to my funds.. The most incompetent individuals that I have ever spoken with. No one knows anything. If I was not in the process of purchasing a ( n ) investment, I would take all my funds and go anywhere but Bank Of America.
Product: Debt collection

LVNV FUNDING LLC Open status {$790.00} XXXX XXXX XXXX XXXX Open status {$430.00} XXXX XXXX XXXX Open status {$360.00} XXXX Open status {$640.00} XXXX XXXX XXXX Open status {$280.00} I don't believe these debts being reported on my credit report are valid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXX Account # 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: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
<P/>
In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX
Product: Credit reporting or other personal consumer reports

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX
Product: Debt collection

In XX/XX/XXXX, I sent a letter to Johnson Mark LLC, acting on behalf of Capital XXXX, informing them that my sole income is derived from XXXX XXXXXXXX benefits, which are protected under federal law ( 38 U.S.C. 5301 ). I included a letter from the VA to verify my benefits and requested that they cease all collection efforts. Despite this, on XX/XX/XXXX, they filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX Utah to collect {$6100.00}. They never acknowledged my letter or verified the exemption status of my income. Their actions violate federal law and constitute unfair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to discover incorrect accounts on my credit report this evening, and I can't explain why theyre there. Ive always checked my credit report consistently without issues, but tonight, I was hit with these strange discrepancies. I even refreshed my browser to see if it was a mistake, but the inaccurate accounts persisted. Its really distressing, and I would appreciate it if the documents I sent are closely reviewed so I never have to face this again.
Product: Credit card or prepaid card

Synchrony charged me {$28.00} late fee on XX/XX/XXXX. I paid my full balance only two days later ( XX/XX/XXXX ) and wanted to set up autopay. I've talked to them about auto pay ( which is now set up ), but they refuse to refund the fees. Please refund the fee - we've had all kinds of coronavirus issues, it should be OK to pay 3 days late during these times. 

I've tried talking to Synchrony recently, but XXXX ( the automated assistant ) says : " I want to make sure I am giving you correct information about late fees, please log into your account and I can help you. '' - when I'm already logged into the account, and unable to reach a live person for that reason.
Product: Credit reporting or other personal consumer reports

I was billed {$29.00} for a service of credit monitoring by a company called TransUnion Credit Monitoring. I have never heard of this company. Their statement showed that they had billed my VISA card. This came in my Email. I called the company XXXX XXXX to cancel the charge. 
Before I could cancel, the woman asked for my XXXXXXXX XXXX which I reluctantly gave her. When I told her I wanted the charge off my VISA account, she asked me for the last 4 numbers. That was when I knew it was a scam. I then asked her where the company was located and how long they have been in business. She did not answer me. I told her I was going to report the company as a scam. When I logged back into my Email there was a notice saying my account was cancelled.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$260.00}
Product: Debt collection

I checked my credit report on XX/XX/24 and see that I have a collections on my report. 

1. I have knowledge about this debt 2. Its a medical collection I have insurance that covers me 100 % 3. I need validation regarding this debt 4. I need proof this collection company have the right to collect on this debt 5. I need the agreement that authorize the creditor to sell my debt 6. Who is the company that sold this debt because you left this off my credit report
Product: Credit card

In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee.
Product: Money transfer, virtual currency, or money service

Contacted PayPal to halt a recent and still pending transaction that was fraudulent. PayPal refused to cancel XXXX and opened a case and told me to have my bank cancel it, which I did. Once funds were rejected PayPal, despite having a case, charged my credit card due to the rejected bank funds which they told me to do. PayPal supervisor told me they don't screen for fraud and pass that onto consumer. PayPal is violating Know Your Customer requirements under the XXXX XXXX, as in this case a foreign person/entity from XXXX opened an account on their platform under a US company 's name to carry out their fraud. Upon my request PayPal confirmed the user is in XXXX which should have raised flags as they registered under a company name. I'm addition PayPal allowed this foreign user to compromise my private banking info as the debit came from the XXXX source and not PayPal. PayPal had made the process harder on me as a victim of fraud then on the fraudster themselves. They also confirmed that if my case is successful, which it will be as the legitimate company has informed me it's fraud, I am allegedly covered by their buyer protection. I asked if they also then refunded all others defrauded by the user I reported and they said no and that anyone else would have to file their own claim. Essentially when PayPal is made aware of fraud they keep the money and pass responsibility onto the user rather than act on information they have. As they get a cut of transactions they are a sponsor of fraud on doing so
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXXXXXX XXXX XXXX XXXX  {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/2016 XXXX : [ XXXXXXXX XXXX XXXX XXXX  {$15000.00} ACCOUNT XXXX OPEN XX/XX/XXXX XXXXXXXX : XXXX XXXX DATE XX/XX/
Product: Mortgage

- We opened a home equity loan with TCF in XXXX. 
- We have never missed an on time payment. 
- TCF has been taking the monthly payment of {$630.00} automatically out of my account for years. 
- TCF cancelled that automatic monthly payment with the XX/XX/XXXX payment due without my knowledge or consent, causing TCF to default. 
- We've received a recent loan statement with an amount due of {$7400.00} XX/XX/XXXX. 
- There is no basis for this bill. 
- I've repeatedly tried to contact TCF at the phone number provided of XXXX. 
- You are left on hold for more than an hour. I've tried multiple times to get through. 
- This loan has been in place since XXXX, the initial amount approximately {$86000.00}. 
- After 13 years, the outstanding principle is showing {$81000.00}. 
- We've made {$94000.00} of payments on time, never a late payment. 
- This amount doesn't include the additional {$32.00} insurance that we've paid for the 156 months as well. 
- In this 13 years, only approximately {$5000.00} has been applied toward the principle. 
- Now we are seeing on this loan statement that the maturity date of the loan is XX/XX/XXXX. 
- We are seniors. The length of this loan is ludicrous ; 41 years. We wouldn't even be alive that long to pay it.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Credit card or prepaid card

Or or about XX/XX/2021, I was alerted by Bank of America that it flagged several charges as potentially fraudulent. I immediately responded that the flagged charges were indeed fraudulent. The charges in dispure are : XX/XX/2021 {$10.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$100.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$21.00} XXXX  XXXX XXXX XXXX CA XX/XX/2021 {$88.00} XXXX XXXX XXXX CA Bank of America refused to reverse the charges. 

I have written to Bank of America on three occassions advising that neither I nor anyone authorized by me used my credit card in XXXX CA on or about XX/XX/2021. Indeed I was in XXXX, ID on that date. 

I have filed a police report with XXXX XXXX Sheriff Department. 

Notwithstanding my assertion that the charges are fraudulent, Bank of America ( by form letter ) replies : " we confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

Bank of America in in error.The charges in question were not incurred by me or anyone authorized by me. Demand is hereby made that Bank of America reverse the charges.
Product: Prepaid card

I was sent an American Express gift card as a birthday present containing {$250.00}. When trying to use it I found out it doesn't accept most stores/companies and will decline even though I had enough money. I tried logging into the account with the info I was given and the website would say there was an error which ended up happening everytime I tried to log in. I called customer service to explain the problem and they were very quick to tell me there was probably insufficient funds, but when I told them there wasn't, they just said it probably just doesn't work on the website and didn't even try to help with the problem I had when logging in. So now I have no info on how much money is in the account as I can not log in, as well as money just sitting there that I have no access to.
Product: Debt collection

I have disputed with credit reporting company, but have not yet received a response. 
Financial Credit Network has reported on my credit report for a debt that I paid directly to the creditor. I had never heard of this company and when I saw this on my credit report I told them I paid the creditor directly and never heard from them. They claim to have sent me information ( to a wrong address ) and call me ( they did n't have my phone number correct either ). After I told them I was going to dispute and file complaints, I received a call a few hours later from them stating they could n't find my file on the credit report. I had to provide the woman with more information before she could find it. They refuse to remove themselves from my credit report even though 1 ) I have never owed them anything and 2 ) the debt they claim to have collected was paid directly to the creditor before ever hearing form Financial Credit Network. The only reason I heard from them was to call them to because they are tarnishing my credit report that I have been working diligently to keep clean and rebuild.
Product: Checking or savings account

My checking account/debit card has had fraudulent activity within the last week. Someone had stolen my information for my online account and stole {$2000.00} from a local ATM. I filed two claims with Wells Fargo and the company said they performed an investigation on my behalf. They came back and said they denied my claim. Which is absurd since I was nowhere in the location of the ATM where my money withdrawn. I filed a police report with detailed information on this matter.
Product: Bank account or service

My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, on the same day of realizing, I reported that my vanilla gift cards were stolen from my office by either one of my employees or one of my customers. I called the company who distributes the card on XX/XX/XXXX. They stated The entire cycle can take 45-90 days, however, some cases are resolved before then. 

The Electronic Funds Transfer Act states that they : - Must investigate the error and resolve it within 45 days ( which is be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

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

FIRST, I WAS PAYING LEXINGTON LAW TO HAVE THINGS THAT WERE COURT ORDERED IN MY DIVORCE XXXX TO B OAID BY MY EX-HUSBAND THAT WERE NOT PAID AND REPORTED ON MY REPORT TO BE REEMOVED. THAT NEVER HAPPENED THEY NEVER TOOK CARE OF IT AS THEY STATED WAS DONE. 

SECOND, I WAS PAYING THEM TO NOT HAVE MY REPORT RUN EVERY MONTH TO REPAIR MY REORT NOT CONTINUOUSLY RUN IT OR ALLOW IT TO BE RUN RANDOMLY RUNNING INQUIRIES CREATED THE SCORE TO DROP. 

THIRD, WHEN I HAD A NEAR FATAL ACCIDENT AS A XXXX XXXX XXXX XXXX AND WAS SICK WITH XXXX I INFORMED ALL CREDITORS AND THE JUDGE DECLARED ME TO BE COVERD UNDER THE FEDERAL ORDER OF COVID TO BE RELIEVED OF FINANCIAL OBLIGATIONS. THIS WAS ALSO PRESENTED TO LEXINGTON LAW AS WELL AS MULTIPLE CREDITORS BY ME AND THEY WERE NOT REMOVED. I WAS DECLARD UNDER THAT DUE TO NOT BEING ABLE TO WORK FOR ALMOST A YEAR. AGAIN I WAS FEDERALLY EXCUSED BY COURT ORDER XXXX. 

LAST THERE ARE MUTIPLE ITEM AND ADRESSES THAT ARE NOT MINE AND AFTER GETTING ROBBED OF {$120.00} A MONTH BY LEXINGTON LAW AND GETTING IGNORED MULTIPLE TIMES EVEN WHEN WRITING LETTERS AND HAVING ALAWYER WHO IS NOW RETIRED WROTE A LETTER., THEY HAVE YET TO TAKE CARE OF THIS. 

I AM TRYING TO PURCHASE A HOUSE AND BUSINESS, I HAVE TO WORK NOW 80 HR WEEKS AND I AM STILL GETTING NO WHERE WITH THIS CREDIT. 

THERE ARE MUTLIPLE ITEM THAT NEED TO BE REMOVED ENTIRELY. THAT LEXINGTON LAW SHOUD BE IN A CONSUMER GROUP COMPLAINT. THEY REFUSED TO RETURN ANY MONEY AND IGNORED ANY REQUEST I MADE.
Product: Credit reporting

TransUnion allowed an individual ( criminal ) using my SSN to setup an online account and purchase my credit report using a stolen credit card number. Only when the account holder for the stolen credit card complained about a fraudulent transaction did TransUnion permanently block online access to my credit file. At no time did TransUnion notify me of the credit breach nor has TransUnion offered any protective services. The individual ( criminal ) has a complete copy of my entire credit history.