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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$3300.00} ; US DEPT ED XXXX XXXX : {$1500.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1900.00} ; US DEPT ED XXXX XXXX : {$1400.00} ; US DEPT ED XXXX XXXX XXXX {$1900.00} ; US DEPT ED XXXX XXXX : {$1200.00} ; US DEPT ED XXXX XXXX : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX US DEPT ED XXXX XXXX : {$1200.00} ; US DEPT ED XXXX XXXX : {$4100.00} ; US DEPT ED XXXX XXXX : {$1100.00} ; US DEPT ED XXXX XXXX : {$5800.00} ; US DEPT ED XXXX XXXX : {$1600.00} ; US DEPT ED XXXX XXXX : {$3600.00} ; XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Money Lion allowed a fictitious account opened with there company. They used my stolen Social Security number. Then the fake account withdrew funds from a online Bank Account at XXXX XXXX. I contacted Money Lion and spoke to rep about the Fake account and the clerk disconnected call. I also advised XXXX XXXX fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

per phone conversation with this company they agrred to remove the collection from my credit report after my account was paid off.they have not done so an have violated my rights as a consumer.
Product: Checking or savings account

As of XXXX XX/XX/XXXX, the state of Connecticut mandated Payers ( Banks ) who had business in the state to withhold Ct state tax from Pensions, Annuities or Retirement account distributions of maximal 6.99 %. 
Connecticut residents could tell the Payers ( Banks ) the correct amount of Connecticut income tax to withhold by filling in " Form XXXX '' and sending this to the Payers ( Banks ). 
When I send to my bank what is ALLY BANK the forms for my Required Minimum Distribution ( RMD ) I included also the " Form XXXX '' with my instruction to withhold {$0.00} for state tax withholding. My income is low and the last 2 years I had only to pay a minimum amount of CT state tax. 
Ally bank did totaly ignore to what I had filled in on my " Form XXXX '' and took out 6.99 % from the amount of my RMD. 
It seems very strange that while the state of Connecticut let ALLY Bank thru my " Form XXXX '' not withhold CT state tax, ALLY Bank insist in doing this against my wishes, and in a way ALLY Bank forces me on XX/XX/XXXX, to give the state of Connecticut a loan that I can get back in XX/XX/XXXX after I have filled in my CT State income tax. 
Attached is a file with 3 forms that I send to ALLY Bank to request my RMD from my IRA.
Product: Checking or savings account

My Paypal debit card gets declined at XXXX and customer service told me that there is a security block placed by the system which can not be overridden. It was declined when I tried to make grocery purchases at XXXX and XXXX XXXX and I was forced to use other methods of payment. 

I can not use my debit card anywhere and it is frustrating that the company does not care or want to help me get my account working.
Product: Money transfer, virtual currency, or money service

I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts 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. 

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

Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 XXXX, XXXX, and Experian is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up fo r a Mastercard Gold Card through Barclaycard 's "  Luxury Card '' brand in   XXXX   XXXX    . Prior to signing up and activating my card, I called and verified that  Barclaycard  waived annual fees and granted  SCRA benefits to active duty servi ce members, which they did. Less than a yea r later, Barclaycard has   mailed me a notice saying they have changed their policies and rescinded the portion of  SCRA benefits that allow service members to have their annual fees waived if they were already on active duty when applying for their credit card. They will now charge an annual fee amounting to {$990.00} for myself and {$290.00} for my wife as an authorized user. The balance on the card must now be transferred to another card prior to cancelling, creating additional fees due to balance transfer. Barclaycard 's policy chan ge is unethical and forces service members carrying a balance to either pay a balance transfer fee to another credit card or pay an excessively high annual fee they were not anticipating.
Product: Checking or savings account

My mother had a Chase account and she was a victim of fraudulent activity. 
She then had me put on her account since she was XXXX years old, the fraud was committed by her daughter and XXXX grandchildren when she lived in the XXXX. Chase closed her account and seized if I remember correctly over {$2300.00} or more. I called the fraud department and the guy was extremely nasty. 

Since this all happened my mother moved into my house she can't be alone and I am her son and legal guardian, my name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've pulled my credit reports and notice alot of inconsistency so I submitted a letter to have all the three credit bereaus investigate and subsequent removal. I have not heard back from them. I also submitted a letter correcting wrong information and have not received confirmation. As of today its been four weeks and have not resolved anything.
Product: Mortgage

Today I have paid {$920000.00} for my house I borrowed {$210000.00} in XXXX. 
I paid off an {$82000.00} line of credit in XXXX XX/XX/XXXX payoff {$250000.00} This is {$920000.00} interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a Comenity/XXXX XXXX XXXX credit card that was opened under my name on XXXX XXXX XXXX. However, I never opened this account. 

I contacted the Comenity Fraud department, and they told me that there was indeed an account opened under my name. 

Comenity told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I recently paid down a line of credit, and my credit score with TransUnion dropped substantially ( XXXX points ). This happened on or about XX/XX/2024. As a consumer, I have worked hard to maintain my credit rating. I have taken the recommendations from the credit reporting agencies, to try and increase my score by paying my bills on time. Why then after doing so, am I being penalized because I have paid off my debt? It would appear that this is working against consumers and not for them, regardless if the debt is being paid on time and according to the agreement set forth by creditors. I submitted a complaint to TransUnion when this happened with another loan, that I paid in full, and the only response was a written copy of my credit report. This does not explain why when paying in good faith the debt according to the agreement, a consumer receives a negative impact on their credit report, as opposed to receiving a positive one. This has nothing to do with income-to-debt ratios, because I also received an increase in my credit line with a different creditor, due to paying on time, which would have balanced out the loss of that credit line, the amount of credit was within dollars the same. Even if debt-income ratios were a factor, then I should have had an increase not a decrease in my score, because I now have less debt.
Product: Debt collection

XXXX XXXX XXXX XXXX has not send any documentation from the request for production of documents send on XX/XX/year>. His firm has filed a calm on XXXX to pursue a debt which I deny.
Product: Debt collection

After reviewing my credit profile XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete AS EXPENSES ARE NOT SPECIFIC AND ONLY DOCUMENTED AS CLEANING FEES. LATE CHARGES ARE NOT ACCURATE ACCORDING TO LEASE AGREEMENT AND DEPOSIT IS NOT INCLUDED IN THE ITEMIZATION THAT WAS PROVIDED and are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. As of XX/XX/XXXX I still have not received the complete requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter out to Experian asking them to reinvestigate this account : XXXX XXXX XXXX XXXX XXXXXXXX and remove inaccurate information. Here is my tracking number : XXXX XXXX. 

They sent me their investigation on XX/XX/2024 stating this account is complete and accurate. I looked at my report and everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 1681s-2 this is suppose to happen ( A ) reporting information with actual knowledge of errors 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.

( B ) reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, accurate.

Experian really did not reinvestigate, they lied on an official document saying they did something they didnt do and I have the evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX  the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 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 resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS 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 right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXXXXXX XXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed XXXX XXXX to help deal with my XXXX about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my XXXX  and XXXX.