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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My friend ( who has the same name but different middle initial and address as me ) notified me that American Express had linked my Membership Rewards account to his account, and that he had full access to use my point balance for purchases, as well as view what I was spending points on, what I was purchasing with them, the airlines I was traveling with, etc. 

It took him 3 days on the phone with AmEx to switch this back and they told him it was because they just used general name + location data to link his account ( despite both of us having different middle initials and addresses ). Furthermore, American Express never told me about this incident and incredibly, I had to find out from my friend - it 's unnerving to know that a ) my privacy data was unknowingly leaked, and b ) even after my friend had complained, I personally was not notified that there was a privacy leak on my account! 

This is completely unacceptable and am requesting American Express to provide me with a sufficient solution to this situation.
Product: Credit reporting or other personal consumer reports

Several late payments on my report seem to be mistakes. Kindly review and update my account.
Product: Prepaid card

*I am filing a new CFPB complaint as advised by a CFPB customer rep since the Resolution Specialist I was assigned, XXXX XXXX XXXX from the Bank of America regulatory complaints department XXXX a voicemail on XX/XX/XXXX stating that they were able to address my concern and that I would be receiving a written response from them. I have not received any written company response via mail. I provided my up to date address in my previous CFPB Complaint, but I don't know if they sent a response to my former address since they are not responding. I have called the XXXX at the number she provided ( and extension ) and left a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have not received a call back. I even sent an email to her on XXXX, but she did not respond. * I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America XXXX Prepaid Card Customer Service on XXXX and after entering one of the card numbers, it stated that the card had expired. 

When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. 

If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.
Product: Payday loan, title loan, or personal loan

I took out a XXXX title loan in XX/XX/XXXX. I paid XXXX a month for 3 years. I became XXXX and didn't make any more payments. I never received a default letter from the company but they sent a letter last month insisting I still owe almost XXXX. On XXXX, XX/XX/XXXX, I went the store and they drug my car out of my parking spot. I called the police to file a stolen vehicle report, not knowing it was titlemax. My purse and all my ID was in the car, cash, a disabilty check, my medical info. all in the car. I have XXXX  XXXX XXXX  XXXX XXXX and will be missing my treatments and they have my phone. They never called me or came to my house to try to tell me they were going to repo my car. I'm beyond devasted and don't know what do.They left me stranded at the store and I can't walk very far. I did get a ride. I need help because I need to go to XXXX and can't afford to buy a car. They got so much money out of me and now my life is being played with. If anyone can help me, I would greatly apperciate it. I know I never should have dealt with them in the first place but I was desperate. I am on disabilty and my life depends on my car. They said they are going to auction it off XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX  XXXX Balance Owed : {$2000.00}.
Product: Mortgage

Hi there, 1. I have contacted Guaranteed Rate ( XXXXXXXX XXXX XXXXXXXX or XXXX ) as I have made two payments to them in regards to my newly opened mortgage. The payment I made was was from a payment coupon I received from Guaranteed Rate however both my payments were not correctly applied to my mortgage. I have called in to have them correctly applied however they have only applied one mortgage payment. I've been trying to get a confirmation that both my payments have been applied.

2. My mortgage was sold to another provider - XXXX XXXX XXXX XXXX XXXX however when I call them ( XXXX ) they have no record of my mortgage being transferred to them from Guaranteed Rate. In addition, the mailer I received from Guaranteed Rate indicates that my mortgage has been transferred with the original principal balance meaning no payments that were made by me were applied correctly. 

3. After countless calls and emails, no one can tell me where my next payment is due. Guaranteed Rate noted to me that I can not make my XX/XX/2021 payment to them since my loan is transferred to XXXX. When I call XXXX, they have no record of my account with them even when I provide my name, SSN, or property address. I don't know who to make the payment to.
Product: Debt collection

The criminals at CAine and Weiner are using harrassment tactics and call several times a day on a private # when the " debt '' in question was that of an LLC not ANY individual. At no time did I sign an individual gurantee for the initial chargeback for a venue rental when the customer actually used our facility, damaged our property then filed a chargeback. There are several legal issues here .... where your agency has been contacted to stop ANY collection effort on me personally for an LLC debt that was not valid in the first place. The atty general in TX is filing suit against these criminals for numerous other illegal tactics as well. The Q is where is the federal help us tax payers need when these mafioso companies attempt to harrass, intimidate and threaten consumers? Are you going to take action???
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Checking or savings account

I received a piece of mail that indicated I have an investment account with Robinhood. I do not and have never had an account with that company. I have tried to contact them and there is no way to contact them unless you have an account. So, I'm stuck. I am a victim of identity theft and have cleared many fake accounts on my own, but this one I can not even contact the company to notify them that they opened a fictitious account.
Product: Debt collection

First attempt to collect a debt was in XX/XX/XXXX for a debt from XX/XX/XXXX. No collection attempt was made from the original company - first contact was thru the collection agency. They did not provide me with ANY proof of a bill for collections from the company. I requested certified mail and gave my address twice, no mail was sent to verify the charges. I contacted the original company directly and they could not verify the charges with a form or any proof of nonpayment from XXXX. I have not received any valid or certified form or statement of my debt - have only received calls asking for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that XXXX, Transunion and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
XXXX  notified them three different times. Finally in Mid XXXX the late payments were removed by XXXX and Transunion at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your help
Product: Money transfer, virtual currency, or money service

I'm XXXX XXXX my income taxes came to my cash app they closed my account an I have over XXXX XXXX  on my card ..I can't get in my cash app that is closed to transfer my money to my new cash app but someone needs to transfer my money to my new open account for cash app
Product: Debt collection

I XXXX XXXX XXXX on a debt with XXXX XXXXXXXX XXXX, even though there was a clouded issue of true ownership.  At the same time XXXX XXXX XXXX stated that it purchase a debt from Capital One N.A., so did The XXXX   state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now XXXX XXXX XXXX has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with XXXX XXXX XXXX. XXXX is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.
Product: Credit card

unknown person ( s ) opened a fraudulent credit card using my information with synchrony bank on XXXX XXXX 2016 and purchasing XXXX dollars worth of furniture, after learning of this I contacted synchrony bank on the XXXX of XXXX to make them aware of this and explained that not to allow this purchase to go through which at the time was still not delivered or picked up at warehouse, filed a Police report in my town. I also contacted the XXXX credit reporting agencies and placed a credit alert on my file. After placing the alert unknown Offender ( s ) with the help of synchrony bank opened a second account and attempted to open XXXX more accounts. I then placed a security freeze on my credit on XXXX XXXX 2016. After taking 2 months and 22 phone calls to synchrony bank I was able to get this account which was under mattress firm Account number XXXX closed. Then the task of getting synchrony bank to remove the XXXX fraudulent inquiries on my credit was a bigger nightmare. I have even contacted their fraud department which cant do anything about this. Finally on XXXX XXXX 2016 I received a letter from synchrony bank stating this account was closed and removed from my credit. On XXXX XXXX 2016 I received a credit card statement for the above closed account for the original amount of XXXX that as the fraud specialist XXXX stated " the store pushed the charge through '' this was after 6 weeks of freezing my credit.She also had no explanation of this account since it was closed a month ago and to dismiss it. Then on XXXX XXXX I received another credit card statement again for the same account with the exact amount of XXXX I then called synchrony bank and the " Fraud department specialist supervisor '' could not explain this. As a retired Police Officer the only way that the exact same charge went through after a month that this account was closed, after 3 months from the initial charge and my credit frozen is that whoever " pushed this charge through '' is either the person who stole my identity or working with the offender ( s ) Under your publication summary of rights under the FCRA of victims of identity theft synchrony bank refuses to release THE RIGHT TO OBTAIN DOCUMENTS RELATING TO FRAUDULENT TRANSACTIONS MADE OR ACCOUNTS OPENED USING MY PERSONAL INFORMATION. This is a direct violation of the law and my civil rights. This information is needed to help with the apprehension of the above offender ( s ). I am hoping that this is the avenue to protect me and the civil rights of the law of this land and not allow a supervisor fro synchrony bank make up them as they go along. I have had a total of XXXX accounts that were attempted to open in my name XXXX with synchrony bank and out of those XXXX the only XXXX that were opened were with synchrony bank. With the rise of identity theft it should be up to the companies that open these fraudulent accounts to clean up their mess and not make the VICTIM jump through a hoop to clean it up.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX - Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment of XXXX was posted and I made a full payment to cover my account balance and I was charged 10.77 interest and they told me that I didnt pay my bill in full and I had a balance left over and I was forced to pay the interest on XX/XX/XXXX ... and I told Capitol one if I get charged interest again I will close my account and on XX/XX/XXXX I was having trouble logging in to my account and I noticed there was Capitol one 360 bank was open in my name and it was linked and I never open this account and I still cant log in to my Capitol one account to check my balances
Product: Money transfer, virtual currency, or money service

Google Pay has offers for spending at specific merchants after activating the offer in the app. One such offer was 4.5 % cashback for spending at XXXX XXXX. I followed all the instructions and spent at XXXX XXXX on XX/XX/2021 but have yet to receive the credit to my account. I sent evidence to XXXX, including the receipt and screenshots demonstrating the offer was activated and my credit card was enrolled in the offer. It has been nearly XXXX months of back and forth emails in which XXXX has frustratingly asked me to re-send evidence and insisted that my card was not enrolled, not understanding the root cause of their problem. XXXX 's process is simply broken. Even though the terms say you have to " pay with enrolled card, plastic or contact less. You don't have to use Google pay '', the system is not actually integrated this way as the plastic/contactless transactions ( at least on XXXX ) are not registered in the app. Presumably this is why I was not automatically credited, but XXXX has instead insisted my card is not enrolled even though I demonstrated irrefutable evidence that it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect MY ONLY NAME AND CORRECT ADDRESS IS BELOW : DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF
Product: Debt collection

I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX XXXX {$2300.00} XXXX/DOFED - XXXX - XX/XX/XXXX - {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I mailed a debit validation letter via certified mail with return receipt, to Westlake Financial on XX/XX/2022, for complete accuracy and any billing errors. I have have the right to request and receive validation of the debt according to FDCPA.
Product: Checking or savings account

a girl i didint know well asked to use my account too transfer money from her account to mine. she didnt have i.d so i said it was ok she transfered money too my account she couldnt wait for the bank to open on monday so she asked if i could send the money to one of her friends i said yes. she sent more money too mu account and wanted me too pull the money and give it too her so i did.
Product: Credit card

XXXX XXXX XXXX is fraudulent loser hacker thieves a continuing ongoing XXXXXXXX since at least XXXX
Product: Student loan

My loans were transferred from XXXX to Navient in XX/XX/2018 and I have had a number of issues. The biggest issue, which is currently unresolved, is that my monthly payment does not seem to be calculated properly. 

I initially informed Navient of this issue by email on XX/XX/XXXX after receiving my statement. I followed up by email several times and did not receive a response until XX/XX/XXXX. At that time I sent the representative a number of documents illustrating why my payment amount seemed incorrect. 

I received a response on XX/XX/XXXX stating that my interest rate had increase by .25 % and that caused my payment to increase by {$35.00}. My loan balance is around {$11000.00} and I have 152 payments left - a .25 % interest rate increase should not increase my payment by more than a dollar or two. I followed up with the representative stating that the calculation still didn't seem correct. 

On XX/XX/XXXX I received a response from Navient simply stating that my concern had been addressed by the XX/XX/XXXX response. I've responded with a calculation and payment schedule based on the increased interest rate showing that the payment is not correct. While sending this response I logged into my account to discover that Navient has increased my interest rate an additional .25 %.