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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, Wiht date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( XXXX XXXX XXXXXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached a settlement agreement with I.Q. Data International , INC on XX/XX/XXXX. Their representative, XXXX XXXX ( XXXX. XXXX ), confirmed that if I made two payments totaling {$5900.00}, the account would be settled and deleted from my credit report within 30-45 days. I fulfilled my part of the agreement by making payments on XX/XX/XXXX ( {$4500.00} ) and XX/XX/XXXX ( {$1400.00} ). Despite this, the collection agency has refused to instruct the credit bureaus to delete the account, and the credit bureaus ( XXXX, XXXX, and XXXX ) continue to report the collection, harming my credit score. 

I have sent dispute letters via certified mail to both the collection agency and the credit bureaus on XX/XX/XXXX, including proof of my settlement agreement, payments, and written disputes. The collection agency has been dismissive, and the credit bureaus have failed to correct the inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). This is misleading, unfair, and a breach of contract.
Product: Checking or savings account

Hello, my experience with Wells Fargo has been unsettling to me and many others. Theres been times in the past where Ive tried to return items, been victim to stolen packages, and have had my emails hacked and tried to reach out to Wells Fargo for assistance retrieving my funds and theyve been little to no help. XXXX often treats their customers as liabilities and dont do anything to rectify or prevent the situation. For context my brother has XXXX ( XXXX XXXX XXXX ) which can affect his mental state and his ability to understand certain topics. In the past Ive spent money for him to play games on his XXXX account but never more than XXXX or so at a time and they always be spaced out. He took it upon himself to steal my card without me knowing and spend all the money on it. As soon as I found this out I called the bank immediately and they said theyd be filing a claim. My XXXX main issues are how can someone spend {$770.00} within a XXXX hour period on the same service and I dont get a single sms or email asking if I approve the transaction. I dont ever spend that type of money in XXXX sitting. The only way I was even able to find out was when I got a notification that the card was declined and then from there I checked the account and moved forward. Companies need to be held accountable for their negligence as at XXXX point he stole {$400.00} in XXXX sitting from my account and I didnt get a single sms, email, or anything to verify the transaction. My second issue is how can my card be maxed out essentially under the account he uses for his games which is not under my name. I contacted XXXX and was told that they couldnt help me directly because my card was used under an account that isnt in my name. This makes no sense to me as you can use the card and take the money out of my account when it isnt in my name but when it comes to helping me rectify fraudulent transactions now you can no longer help me. Another complaint I have is shouldnt the bank be able to see XXXX not older than the legal age to gamble and reach out when over {$770.00} is taken within a XXXX hour window to ask if these are fraudulent or not. Sunday XX/XX/year> at XXXX PM EST {$160.00} was taken, {$160.00} was taken out again at XXXX PM EST, {$400.00} was taken at XXXX PM EST, and {$50.00} was taken at XXXX PM EST. I want to emphasize that I wasnt notified about any of these transactions, only when all the money was taken out of my account and it declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to open a secured Credit Account with XXXX XXXX / XXXX XXXX. XXXX XXXX ( also known as XXXX XXXX ) is erroneously trying to charge me multiple Late Fees on top of a {$25.00} Annual Fee, and is Threatening and Harassing me by wrongfully reporting to credit agencies that my account is 30-59 days Past Due. 

According to an email I received from XXXX XXXX  on XX/XX/2023, my XXXX XXXX Checking Account was charged on XX/XX/2023 by XXXX XXXX in the amount of {$100.00} for the opening deposit required by this secured credit card. 

Without any warning whatsoever, XXXX XXXX XXXX slapped a {$25.00} Annual Fee onto the secured credit card account, I swear or affirm under penalty of perjury I was never advised about this. XXXX XXXX XXXX then slapped two additional " Late Fees '' onto my credit card account, in the amount of {$25.00} and {$41.00}, bringing the total balance to {$91.00}. I called to complain about these erroneous charges and the fact that I was never alerted about this balance even one time before my credit monitoring service alerted me that my credit bureau scores had dropped 80 to 100 points and one of my accounts was being reported as Late. 

To be clear, I HAVE NEVER USED THE CREDIT CARD FOR ANY PURPOSE. NO BILLS OR CHARGES HAVE BEEN APPLIED TO THIS ACCOUNT SINCE I MADE MY {$100.00} Security Deposit. 

I have contacted XXXX XXXX XXXX and offered to pay the {$25.00} Annual Fee, they are refusing to accept this as payment in full, they want me to pay them {$50.00}, and is only willing to drop the last {$41.00} Late Charge. When I log into my account online, the XXXX XXXX XXXX system says Current Balance {$50.00} but when I view the Current Balance Due it still says {$91.00} and their system will not allow me to make any payment less than the " Full Balance Due '' so I can not even make a {$25.00} payment and dispute the rest. 

In addition, XXXX XXXX XXXX is using the credit reporting bureaus to try to Extort me for the payment, and as a result of their reporting, my credit scores have fallen XXXX to XXXX points in under 60 days, putting them in the range to where I can not effectively get a new car or purchase a home. This should be a CRIME. 

This is my account information : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX The XXXX XXXX XXXX XXXX  XXXX is issued by XXXXXXXX XXXX XXXX, GA, Member FDIC. 

As of XX/XX/2023 I have also filed Disputes with Credit Bureaus through Creditkarma.com and I Complained to my XXXX 's Office of Attorney General mediator, who advised me that the CFPB is the most appropriate agency to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX  NOTATION : I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.

I am a Victim of identity theft. The Information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. { Identity item ( s ) resulting from identity theft that should be blocked, by name of the source, such as credit card issuer or bank and type of items, such as credit accounts, checking account. Etc. } Please Block this information from my credit report, pursuant to section 605B of the fair c redit reporting Act, and send the required notifications to all furnishers of this information Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from Identity Theft within four busine
ss days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Identity Theft Report Proof of Identity Copy of Credit Report Fair Credit Reporting Act section 605B
Product: Payday loan, title loan, or personal loan

COMPANY IS A PROBLEM HAVE TRIED TO WORK WITH THE COMPANY THE STORE THAT I OPEN MY ACCOUNT EASY MONEY XXXX XXXX ARE VERY GOOD PEOPLE. BUT FOR SOME REASON EASY MONEY IN XXXX TN MANAGER XXXX COULD NOT GET HER XXXX NAME IS VERY IGNORANT AND RUDE. THE DISTRICT MANAGER HAS NOT CALL ABOUT THE COMPLAINT THIS PERSON AND HER WORKERS HAS DONE FOR HARASSMENT TO XXXX CUSTOMERS. THE XXXX STORE OF EASY MONEY HAS NOTHING TO DO WITH MY ACCOUNT. THIS XXXX CALLED ME 7 TIME IN A ROW HANGING UP AND SCREAMING AND I TOLD HER DO NOT CALL ME AGAIN OR HER JOB WILL BE IN JEOPARDY. I TAPE THE CONVERSATION AND RECORDING THE TIMES SHE CALLED. SHE IS NOT SMART NOR HER WORKERS BECAUSE SHE SHOULD KNOW THE LAW OF HARASSMENT CALLS EVERYDAY WHEN THE ACCOUNT IS WITH ANOTHER STORE. I FILED FOR BANKRUPTCY WAS CALLED BY A CALL CENTER WHO CALLED THEMSELVES CORPORATE SAID SHE PUT A NOTE TO SAY I DECIDED NOT TO FILE WHO TOLD HER THAT AND WHAT BUSINESS OF HERS I TOLD THE STORE I HAVE THE ACCOUNT WITH. THIS WOMEN NEEDS TO BE FIRED XXXX SHOULD NOT BE TREATED LIKE THIS!
Product: Debt collection

In XXXX, I was sued by XXXX XXXX XXXX XXXX XXXX XXXX for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX XXXX XXXX   XXXX, now XXXX XXXX XXXX XXXX XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to Levy were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of XXXX, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. I have not received any written notification from XXXX or XXXX XXXX XXXX, which they also mentioned on the phone.
Product: Money transfer, virtual currency, or money service

I reached out to Coinbase customer service because I am unable to access my Coinbase XXXX which holds just under one half of a bitcoin, a value of approximately {$30000.00}. While the customer service assured me they located my wallet and would be able to help me, they have since advised they will not provide me access. The below is from my conversation with the Coinbase customer service representative : '' Thank you for patiently waiting and for your cooperation, XXXX. I understand how crucial this is for you. I've identified your XXXX receiving address as : XXXX. Rest assured, I'm now preparing to forward all the pertinent information to our dedicated XXXX XXXX. They XXXX reach out to you via email if they require any additional information about your Coinbase wallet. As part of our commitment to transparency and resolution, I'll also provide you with an updated case number, which you can use should you need to file a complaint. 


This is your case number and I will close this case in order for you to file a complaint : XXXX and our XXXX XXXX will now handle your concern. Please stay connected while I am processing all the information that I gathered to our XXXX XXXX. I can not include the information from your XXXX since we are not supported to a third party. But rest assured that all your information provided is enough for our team to investigate and resolve your concern, XXXX. 
XXXXXXXX XXXX '' Despite the above, Coinbase has now stated they will not assist me with accessing my Coinbase XXXX and are improperly holding my crypto assets with no solution provided. This is conversion, bad faith, and theft. 


Request is made for the Department XXXX Consumer Affairs to assist with this Complaint. If you require any further information from me, or wish to contact me to discuss this further please do so.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts/inquiries in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts/inquiries are unknown to me. Also, the information you provided on some accounts/inquiries are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts/inquiries are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, CCR Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquiry Date XX/XX/XXXX.
Product: Mortgage

I discussed my huge increase on monthly payments with a loan specialist through the mortgage holder and when I done the math on the figures he gave me it didn't add up to the amount I'm paying monthly. When I asked about the extra charge they said the didnt have a specific answer to my problem. Also I have been receiving information on them continuously adding more to the total cost. They ask me to provide documentation to prove the unexplained increasing on my payments/total cost. The most recent monthly statement has a XXXX fee that doesn't explain what it's for.
Product: Credit card or prepaid card

I had an opened a account with JC Penny which is backed by XXXX XXXX. When I opened the account they credit limit was XXXX, my credit limit was lowered to XXXX they impacted my credit. My credit limit was lowered to XXXX that impacted my credit, now they have closed the account which has impacted my credit again. I received a credit alert that my credit had been affected by account closure. XXXX XXXXclosed my account without my knowledge.I have had an issued with this bank from day one. I paid the account off.I had n't used the account because I was in the process of purchasing my home and was told to pay the account off and not used the card. 

My account has always been paid on time and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit agencies need to do there job and give me the information I am asking for in the letter enclosed. I am disputing several items and they do not respond
Product: Credit reporting or other personal consumer reports

On XXXX XXXX2024, I received a notification from the credit bureaus that my credit score had decreased by 100 points due to a late payment on a credit card. I have never had a late payment on a credit card, or a late payment in general. I have 8 active credit cards, a mortgage, and 2 cars. My credit card bills are always paid on time because they are always on automatic billing. So when I applied for and received a XXXX XXXX card, I mistakenly assumed that the automatic billing for the first 2 credit cards would transfer to the 3rd one since all of the credit cards are in the same portal in the XXXX app. And since I signed up for paperless billing, I did not know that the bill was overdue until it was already past the 30-day mark, XX/XX/XXXX, 2024.This {$210.00}. I paid the bill immediately, but the damage was done. My credit score dropped 100 points and it will take years to recover. I immediately tried to contact XXXX and have been trying to reach customer service regarding this issue with no contact with a live human since XXXX XXXX, 2024. XXXX 's phone system makes it impossible to talk to a human. Today, XX/XX/year>, 3 months after the late payment, I finally reached a customer service representative, who was entirely unwilling to help. I requested a goodwill letter from XXXX stating my excellent credit history ( 0 late payments across several years ), so that I can show it to the credit bureaus and get the late payment taken off my record. In a world of increasing greed and deregulation of big corporations like XXXX, customers expect that making one mistake in 10 years of credit card history, won't ruin an entire lifetime of financial planning. 


Additionally, I was supposed to recieve 75,000 reward points from chase after spending 4,000 in the first 3 months of opening the account, but I never received that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im getting nervous I dont understand what to do. I never seen these account before. I believe someone knows my personal information
Product: Mortgage

I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Ive been working on this for XXXX months going on XXXX back to back.. Ive sent letters to bureaus for months and nothing has happened, Im struggling and get anything in my name Im being denied for everything. If actions are not taken immediately Im going to sue for every violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company got my background check done from you guys! And they said it didnt clear I would like to know why?
Product: Credit card or prepaid card

I have a direct express Mastercard that my social security goes on. On XX/XX/XXXX I had 4 an unauthorized transactions go through on my card. One transaction was for {$170.00} another transaction was for {$210.00} both of those transactions were made by XXXX   XXXX. Then there were two transactions both for {$65.00} and those were from XXXX XXXX, this resulted in {$520.00} being taken out of my account. I called Direct Express to dispute this transaction. I was put on hold for an hour and 45 minutes! At which time I could spend no more time waiting so I hung up and I tried again a few minutes later and heard " I'm sorry all agents are busy please try your call again later ''. I have just had {$520.00} taken out of my account, I'm put on hold for 15 mins before speaking to an agent and after relating the reason for my call am put on hold a second time for an hour and a half! Now I'm broke ( XXXX in my ) & have bills to pay yet
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX as well as Lexington law. From year XXXX.
Product: Credit card

CITI CREDIT CARDS WITH FRAUDULNT USE. CITI IS MANAGING AND HAVE NEW ACCOUNTS BUT IT WAS A RECURRING PROBLEM
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX XXXX : {$610.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX  XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023