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

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Money transfer, virtual currency, or money service

International Wire Transfer Request Date : XX/XX/XXXX Amount  sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/year> I purchased a {$100.00} VanillaGift card from XXXX. Upon opening the card I discovered that the card was tampered with and the third block of numbers was scratched off so I could not use the card nor check the balance. I immediately notified XXXX who told me to call the number on the gift card. 

I did and explained the situation and received a case number XXXX and they told me to send my personal information along with a copy of my driver 's license, some pictures of the gift card, and the XXXX receipt. This was all sent on XX/XX/XXXX. I was told this usually takes XXXX days but could take up to XXXX to resolve. I kept checking the status at vanillagift.com They would not tell me any status of the funds on the card. After XXXX days I called back and they told me it was still processing and to wait. I called once per week and got the same story until XX/XX/XXXX when I called and they told me they are waiting for my documents and to send them again. Which I did. Now we are at the XXXX and they emailed me and told me to send the documents. Each time I have sent them I get an email response that my documents were received. 

Your next step wants the full card number which I do not have. The serial number of the card is XXXX From their website : Vanilla Visa Gift Cards are issued by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. or XXXX XXXX, pursuant to a license from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Members FDIC
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.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 800 LOANMART XXXX Date Opened : XX/XX/2017 Balance : {$13000.00} 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. 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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

This company by the name of Velocity Recoveries is reporting fraudulent account information to XXXX. The date that this account was reported by their company was on XX/XX/2023 showing a balance of {$630.00} with an account number attached to it as XXXX.
Product: Money transfer, virtual currency, or money service

My Trust Wallet Mobile App containing XXXX XXXX disappeared from my tablet and is not available in any app store or on the web. 
I believe they were absorbed by XXXX but unable to find an email address to contact them for resolution and payment of my XXXX XXXX 
I was not notified that this wallet was going to disappear or changed names or company. 
So I was unable to transfer my money out before trust wallet was deleted. 
this is the seconf complaint i have with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX XXXX, Account XXXX, Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and anxiety due to your abusive and unfair practices. 

It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 

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

Equifax is not offering the identity theft protection for minors, this is n't right. 

This complaint is regarding the recently revealed Equifax data breach. In response Equifax is advertising " We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. ". I went to https : //www.equifaxsecurity2017.com/ and entered last names and last 6 digits of social for myself, wife, and 3 kids, the instruction came back and requested to enroll at a later date. I came back on the date stated and enrolled my wife and I but was gated from enrolling my kids, stating the person had to be older than 18 years old. This is n't right, the kids data is apparently on the sight, and the offer was to all US consumers, but the kids are not included. 
I called the Equifax call center number XXXX on XXXX XXXX, 2107, was offered no useful assistance, and was not provided with any type of contact information to appeal the issue farther up the chain of command. I was told I could " XXXX '' the contact info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com constantly asks me to validate my address by providing them my driver 's license and tons of information to even speak to me over the phone as a way to not handle a problem. I have emailed, mailed and uploaded sensitive information to them countless times and will not do it anymore. They use it as an excuse to not properly handle complaints and disputes and don't investigate the disputes properly. For example, XXXX sent me proof in writing they've notified all credit bureaus of updates to balances and payments yet Experian STILL has not fixed the problem even after filing a dispute which I can NEVER review online.
Product: Checking or savings account

Hi, my name is XXXX XXXX. I work at XXXX XXXX  XXXX Banking XXXX in XXXX XXXX, California. This morning at XXXX I received a unknown caller that said he was calling from XXXX embassy that they have two certify mails from XXXX XXXX police department addresses to me about this case, reference no XXXX. Then I got transferred to speak with the supervisor XXXX XXXX XXXX XXXX. She told me that the police in XXXX had caught this lady named " XXXX XXXX '' and find out she has XXXX - XXXX debit cards under different names and one of the card is under my name. XXXX XXXX told the police she bought this debit card from me that she paid {$3000.00} to me. " The Police '' in XXXX also found out in XX/XX/2018 I was opened an account at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX branch, New York. I haven't been to New York for more than XXXX years. The embassy even transferred my call to have me spoke with " XXXX XXXX '' in XXXX XXXX XXXX police station. " XXXX XXXX '' wanted to take my statement by asking first my phone number, and I answer him that how do I know that you are the policeman. He said " understood '' then hung up. After half an hour I received three different numbers phone calls XXXX XXXX, XXXX and XXXX ). I block all those numbers from calling back and I block my caller ID and called those number back, so the calls are ringing and went to voice mails. I left messages for them said that I need more information for police record. I really think these are scam and would like to have someone look into those phone numbers and prevent it happening again. Thanks a lot and much appreciate.
Product: Credit reporting or other personal consumer reports

I have been dealing with Midland Credit Management. I received an email to pay a lower amount to pay in full by XX/XX/XXXX. I paid that amount. I was told it would process and within 21 days would show balance paid in full. On XX/XX/XXXX it shows I have a balance of what they removed for me to settle the account. I called them XX/XX/XXXX and was told it will take another 21 days for that balance to show paid. I dont have a balance.
Product: Credit reporting or other personal consumer reports

this account is not mine, they keep calling me and harrasing me over and over, i have submitted countless FTC reports, police reports, disputes you name it, this account is not related to me, it needs to be deleted immediately, it is harming my life at this point not being able to get approved for things for this one account delete it asap. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting erroneous lates on my credit file. They are reporting a late for XX/XX/20. This late happened at the very beginning of COVID. I had been laid off for a few weeks as most people were. I called and made this payment as soon as i could to avoid the late notation and i was advised that since there was a pandemic this would not be reported to my credit file. I recently checked my credit and noticed that there was a late notation added to my credit file. I need this late removed. I was told the late would not be reported to my credit file because it was due to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.
Product: Debt collection

Company called MCCarthy Burgess - Wolff contacted me about debt with XXXX XXXX on XX/XX/XXXX. I sent email on XX/XX/XXXX asking for validation of the Debt instead of mailing this to me they reported it to the credit bureaus. Please help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with all 3 credit bureaus ( XXXX, XXXX, TransUnion ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the daughter of XXXX XXXX XXXX, an XXXX XXXX XXXX senior that has XXXX and who is unable to XXXX and care for herself. She does not drive and has to be transported by XXXX at all times. 

I currently have an Order for Guardianship of my Mother, who I have been denied access to her health and medical records and visitation as of XX/XX/XXXX. In the court of XXXX. Case #, XXXX XXXX XXXX, Probate court. I have been going to court every month, driving from XXXX, Illinois to go to court because as daughters, we should access to our mother. My sister, XXXX XXXX who has been living with my mother, since I moved away, in XX/XX/XXXX.to XXXX. I never left my mother, but my sister, due to my Mother 's inability to understand manipulated my Mother and constantly fought against me to have a relationship with my Mother. My Mother was denied access to outside of her home, she was held a prisoner in her home and has had multiple XXXX. As of XX/XX/XXXX, XX/XX/XXXX, my Mother became severely ill due to neglect of my sister and then my sister denied access to me on behalf of my mother. 
I had an illegal order of Protection placed on me by my sister, because I wanted to have the Right to Visit with Mom, as her health began to decline. It has declined drastically over the last 6 months. I had to have police there twice today, XX/XX/XXXX, but because the Order, failed to Allow Visitation, because my Sister, XXXX is failling ot open the door, So that My Mother can be Served by the Court. My mother has no Knowledge of whats going on, even though my oldest sister ( XXXX and I ) tried to tell her before, she got into this bad situation.Health, mental declining. 
My sister had a Salesman to come to the house to sign an AutoContract for this XXXX, by my mother, XXXX XXXX XXXX XXXX who has no Knowledge of what she is doing. This is Fraud and abuse of an Elderly Person, My Mother. 
Please help, I want to see my Mother and I want access to her, before, she leaves this Earth. My Mother does not deserve this, and she thought my sister, XXXX was coming to help her, not Harm Her and other Family Members, Her daughters. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received an offer letter to make a settlement payment of a debt of {$310.00}. 
I called the number on the letter and spoke to a rep. I requested a proof the debt belonged to me along with original creditor. 

I never received the requested information but the agency continued to call me. When I asked the rep to provide the information I requested so that I may verify the debt, she yelled at me and stated they have the right to sue me. 

I never received proof the said debt belonged to me. 

I spoke with two reps the second rep I spoke to was in XX/XX/2020.
Product: Debt collection

this account is a collection account or being reported as a collection account but yet i have a balance that i have to pay because the account is still open on my account. 

why are they trying to keep this account open on my credit report, why are they reporting this as an open live up to date account where i have active debt instead of reporting this as collection debt. 

why are they trying to deceive my future creditors by listing this account as active like i have the car and paying a car note, while saying this car is repossed. 

this is a XXXX tactic to force me to pay whatever amount they list. 

thats why we have the truth in lending act to prevent collection agencies from doing just what they are doing right now. they are trying to hold my correct information XXXX for a fee to them for XXXX they are really trying to XXXX  money from me to get me to pay to get this off my credit report.
Product: Debt collection

Capital One Bank {$660.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX