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

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

When a collection agency authorizes a charge that isn't signed or dated, it's often referred to as an " unverified charge '' or a " phantom charge '' ; this is considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) as it lacks proper documentation to prove the debt is legitimate and could be considered a deceptive practice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2019 I applied for a loan. Once they have pulled my credit report they stated that there is a collection account from XXXX in the amount of {$630.00}. Which does not make any sense since I currently have XXXX. Contacted XXXX that day and they stated it is for an address that I do not live at. I submitted a dispute with them and I have also disputed this account with the credit bureaus. They did their investigation and because the account was then sold to a debt collection agency they have reported the account as accurate which is inaccurate.
Product: Bank account or service

This complaint regards to a undelivered account opening bonus promised and also confirmed by Citibank.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 1681s-2 they are suppose to 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 am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account. 

I have already reported this issue as identity theft on the XXXX website. 

I have attached the following documents as support : 1.PDF of the identity theft report from XXXX. 
2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct address.
Product: Credit card or prepaid card

On XX/XX/XXXX, it was my intention to fully repay the balance on my Bank of America Credit Card account. I initiated an online payment to pay the balance in full, with a payment in the amount of {$3400.00}. I had some issue making that payment, so I was not sure if the transaction was completed. I did not see the transaction in the transaction history, so, I initiated it again. 

The next day, on XX/XX/XXXX, I saw that two debits in that amount had cleared my checking account. I proceeded to have one of the debits in my account returned so that the - {$3400.00} balance on my credit card would be XXXX 'd out. 

The following day, that was completed, but upon inquiry about the availability of funds, I was told that there would be a 10 day hold on my accocunt, despite the fact that the amount had cleared my checking account, and, I had NO history of late payments or returned checks on the account. NONE. 

I had multiple conversations and emails with Bank of America. I explained to them that I wanted the availability on my account so that I could use a promotional 0 % interest rate offer that was listed on my account. The promotion stated that the offer was good through XXXX XXXX  so, I gave up and figured I would have to wait the 10 days, which would get me the funds available around XXXX XXXX  well before the XX/XX/XXXX expiration of the offer. 

Well, it was a mistake to mention this, because despite the fact that the promotion stated I had until XXXX XXXX  when I signed in today ( XX/XX/ ) the promotional offer was rescinded. I am certain this was retaliation for my complaining about the TOTALLY unfair and unwarranted hold that was placed on my account. 

I attempted to get the offer reinstated, but Bank of America refused. 

I have been a banker for almost 40 years. I have excellent credit and income. I understand how payments are processed, and I know that ACH transactions CLEAR THE NEXT BUSINESS DAY. Bank of America demonstrated VERY poor customer service by not immediately reinstating my availability. I welcomed them to verify with my bank ( where I work ) that the payment had cleared, similar to how XXXX XXXX handles this. They refused. 

I decided to live with it, but now that they PUNISHED me be rescinding the promotional offer, that was good until XX/XX/XXXX, I feel the bank should be punished and formally reprimanded. And, the promotional offer should be reinstated.
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 accounts 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 accounts 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. I found that under section 605b ( a XXXX XXXX XXXX and TransUnioin 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 than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX Date Filed XXXX XX/XX/XXXX. 

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 reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX 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 than XXXX business days after the date of receipt. It has been well over 30 days and you are in XXXX of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in XXXX. Under, XXXX XXXX Code XXXX Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card

I opened a Milestone credit card with Concordia Bank in XXXX. 

Two or three times they reversed payments I made from my checking account. My banking information was correct, and I had sufficient funds for the payments. I don't understand why they were reversed. 

They've since charged me almost {$200.00} in late fees and overlimit fees, in addition to a {$170.00} annual fee. I believe these violate the CFPB 's ban on excessive credit card fees. 

In addition, they are charging me monthly for a credit protection fee I didn't authorize.
Product: Debt collection

I have an account with XXXX XXXX and LVNV Funding LLC is illegally trying to collect on a debt that is covered by the arbitration clause in my loan agreement. 

In violation of the FDCPA, LVNV has posted the collection account on my credit reports.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXXXXXX 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company was having a system issue. when I first signed up for them I saw no interest so I sent a email to cancel months down the line they keept charging my card with out my knowledge after several email the reached out and said unfortunately I stuck paying for this credit builder loan I reached out again because I notice that they gave me a late payment when I cleary wasnt late theyve havent done nothing to fix it they are reporting a balance from three months and keep giving me the run around
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts on My XXXX Credit Report Dear Equifax, I am writing to formally dispute the following accounts appearing on my credit report, which are fraudulent and were opened without my authorization due to my identification being compromised : XXXX XXXX XXXX XXXX XXXX My personal and financial information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These breaches have led to the unauthorized use of my information and the creation of fraudulent accounts in my name.

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. As they are not mine, and their presence on my credit report constitutes a violation of my consumer rights, I demand that these accounts be permanently deleted from my credit report. 

Please complete your investigation promptly and provide written confirmation once these fraudulent accounts have been permanently removed. Thank you for addressing this matter and ensuring the accuracy of my credit report in compliance with federal law. 

Sincerely, XXXX XXXX
Product: Debt collection

{$94.00} was taken from my Wells Fargo account on XX/XX/18. I added my wife to my account. The banker did not inform us that she owed money or that Wells Fargo would be taking money. Wells Fargo could not tell me why they could not contact me at any time during this process and inform me that they'd be draining my account to XXXX They could not explain why they didn't give me the opportunity to settle the debt or how much more they would be taking. I asked them if it was typical Wells Fargo fraud to allow someone with a debt to be added to someone else account simply because they know I will always have money to pay them. I asked them if these are the types of tactics that have them in all these settlements or lawsuits. I asked them if this was retaliation for me adding my name to the settlement I was emailed about. They had no response other than go to the local branch and ask them.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$370.00} XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA AND TILA IN VIOLATION OF US AND STATE LAWS.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a XXXX XXXX XXXX debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above XXXX XXXX with a court hearing date of XX/XX/XXXX at XXXX am. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.
Product: Credit card

I used my Barclays issued Priceline credit card to made a reservation for a one week stay at a XXXX XXXX XXXX in XXXX, SC. from XX/XX/2022 to XX/XX/2022. 

We arrived at the hotel but the night clerk wouldn't even let me speak to her to show her I had a reservation she just pointed to the NO VACANCIES sign hanging above the office window. So we left and found vacancy at another hotel and stayed there for that week. 
I tried to notified Priceline about what happened but they apparently didn't get my message. Barclays wrongly alleges I owe them {$400.00} for the week of XX/XX/2022 to XX/XX/2022, I don't owe them nothing because I never stayed at XXXX XXXX XXXX, I had spoken to several customer service representatives, account managers but I was getting no where, so after I lodged my first complaint with CFPB an executive assistant to the president at Barclays responded to my complaint letting me know they were looking into my complaint, so I emailed her an invoice sent to me by XXXX XXXX XXXX showing they charged my card for one night, a cancellation fee of {$54.00} as proof that the {$400.00} plus late fees and interests the are trying to make me pay are bogus charges. This person told me she had forwarded the XXXX XXXX XXXX invoice to the financial office at Barclays but as today nothing has been done to right this wrong.
Product: Payday loan, title loan, or personal loan

I applied for a installment loan of {$1000.00} with AdvancedAmerica online XX/XX/2022 and was denied. They called me on XX/XX/XXXX at XXXX and left a voicemail, they called again on XX/XX/XXXX at XXXX and left another voicemail. I called them back XX/XX/XXXX at XXXX to find out why they were calling me because I was denied. I talked to XXXX XXXX and she said that I was approved for the loan that I just had to take her a photo ID, social security number and proof of income. I got to the office about XXXX and gave her all the information. She left in the process of my paperwork and let her co-worker finish. The co-worker said that I had been approved for a payday loan but I did not apply for a payday loan. I refused the payday and went home. I got an email stating my XXXX score went down by XXXX points and I never received a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are illegally reporting inaccurate information on my credit report.
Product: Debt collection

Frost-Arnett date of demand for payment XX/XX/XXXX. My medical debt was paid directly to XXXX XXXX XXXX XXXX and cleared the bank on XX/XX/XXXX. This debt has been sold several times and is a been falsely reported to the credit Bureaus.
Product: Money transfer, virtual currency, or money service

Scammer posed as family, and asked for money. So I sent it to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from XXXX stating that the collection was paid and it was going to be deleted form all three credit bureaus and it has not been