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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX called from this number ( XXXX ) XXXX telling me they are suing me for a debt they acquired from Citibank. The debt is very old and was discharged in bankruptcy over 10 years ago
Product: Bank account or service

On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.
Product: Debt collection

They did not give me any information or a letter on what is the total amount but asking for to always say my social security number
Product: Debt collection

Valley Credit Services Inc. and its lawyer XXXX XXXX are trying to collect a judgement that doesnt meet the statutory requirements, nor does the writ of garnishment. Theyve circumvented areas of the law that govern government judgments, summonses, and collections. 

The judgement form itself has most fields blank, and the docket has inconsistencies and missing information to validate the judgment. 

Valley Credit Services Inc. and XXXX XXXX XXXX try to extract revenue from judgment-proof individuals on social security. This company and its lawyer have no ethics or moral compass.
Product: Credit card or prepaid card

Home Depot does advertise 6 months deferred interest if paid in full but on the actual printed bill it says No interest for 6 months.
Product: Credit reporting or other personal consumer reports

Fraud & Identity Theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the XXXX, Experian, XXXX 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 XXXX, Experian, & XXXX agency submitting inaccurate information ( file attached that was sent to them ) I've attached a lists of the late payments in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, negative accounts, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, negative accounts, and late payments are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX  ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are usual get my credit report without my consent and cause it my credit score to decrease ( hard inquiry ) I need these to be removed from my credit score
Product: Mortgage

In 2010 my husband and I were struggling financially due to an accident that left my husband unable to work at that time. Consequently, we obtained the services of an attorney. We were given a loan modification at the same time we were filing bankruptcy-which Wells Fargo was aware of as the documents were sent at the XXXX hour of our filing. We have in good faith made all payments. At one point in time we received notice that a payment was not made -- to which a letter was sent to the mortgage company XXXX XXXX XXXX requesting what payment they showed missing. We were able to provide payment information and then were told it was a different payment that was missing, as all payments were made were able to provide all payment information. This pattern continued with us being told we were missing payment and us writing letters to get this corrected. This continued until our loan was sold to XXXX XXXX XXXX -- who started with statements showing our account in arrears -- again with us asking about what month was missing, etc. only to be told a different month with every contact made. The first question we had was how could any loan be sold to another lender in arrears? Again, this pattern continued with letters being written to no avail and no resolution. Then the loan was sold -- once again in arrears to XXXX XXXX. It was then that we once again went to where this seemed to begin -- with Wells Fargo and requested a loan payment history and a request for dates of any missing payments. It wasn't until this inquiry was done that I was told that the loan modification we were given would have meant nothing as we had filed bankruptcy. The attorney we used for the bankruptcy has since passed away so we have no way to know what correspondence may have transpired between Wells Fargo and him. I do know that we have in good faith continued to make payments on this mortgage -- without the benefit of it being recorded or recorded correctly. Any help you could give us in this matter would be greatly appreciated.
Product: Checking or savings account

On XX/XX/XXXX. 2021 my car was vandalized my backpack and wallet holding my driver license, is bank cards, credit cards was stolen! I called both my banks as soon as I saw my cards were missing on XX/XX/2021 it was a Saturday but I called the customer service center for both banks!! 
Even though I told them about my incident, they still slowed the thief to walk in bank not once but multiple times and this person enticed my accounts!! Both my banks!! Its been so long now that I havent had access to my money! Im being treated like Im the thief! They asked me to get a new driver license number and that was so difficult to do but I showed the fraud to dmv and they helped me with new dl! I took my new dl thinking this was all needed and I would get my funds and no! They wont tell mr whats going on they keep me on hold they act like Im bothering them specially XXXX at XXXX branch for XXXX XXXX! And the XXXX lady at bank of the west she has made me cry! The woman had no right telling me if Im sure it wasnt me!!! The nerve!! Of course it was not me!! Its not my fault ur tellers are guck g away {$2000.00} then {$2800.00} at bot west!! Only with a driver license the one they stole from me! Its been months now I have no money my car is going to be repo and Im about to get eviction!! I havent been able to pay my rent Im scared! I need help they need to return my money I have no idea whats the hold up dont they have cameras??? Its clear its not me!! I filed police reports!!
Product: Checking or savings account

They were allowing companies to still take their payments out and overdrew my account every month. Then i was hit with a {$35.00} over draft fee for every over draft. I was also being charged {$10.00} a month to have an account with them. I closed my account down a couple months ago after being a loyal customer for over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

Hi, I have a KOHL 'S store credit card the I used onXX/XX/2017 and another statement received was payment due on XX/XX/2017?? I was contacted by Kohl 's that may account is going to be 60 days late and paid {$210.00} which was for all including statement due on XX/XX/2017 Being close to XXXX years old I have been forgetting thinks and all they did was send e mail regarding bill which I thought was spam. A rep from Kohls called in regards to past due account and said if I pay bill I will not be charged a late fee nor will they report me to any of the credit bureaus. I apologized and payed past due explaining that I forgot and asked for wireless billing to be stopped. I then checked my credit report and the did report me to the bureaus bringing my credit score down XXXX points. 
I was in the process of a refi on my mortgage and now I am not eligible unless I want to pay higher fees and interest rates. This is not right what they do to people. Kohls now said it will be on my credit score for 7 years and refused to remove it. I contacted XXXX XXXX and XXXX and the said I have to file a dispute which may take up tp XXXX to 45 days. 
XXXX was closed today due to XXXX XXXX. We are now basicly XXXX by what Kohls has done. Maybe this is something the government needs to look at. It 's no wonder the housing market is the way it is since a simple mistake cost people a chance to advance in home ownership and refi there mortgage to save on monthly payments. 
ALSO WHY IS IT WHEN YOU CALL THESE PLACES THE SEND YOU TO PEOPLE IN THE XXXX THAT YOU CAN NOT UNDERSTAND. 
WHAT HAPPENED TO JOBS FOR THE PEOPLE OF THE UNIITED STATE OF AMERICA. GOVERNMENT SHOULD GO AFTER THESE COMPANIES AND PUT THE MONEY IN THE POCKET OF AMERICANS NOT XXXX. 
Please help us if you can and stop us from being a victim of society.
Product: Credit reporting or other personal consumer reports

Summary : hard credit pull from credit card I did NOT apply for Company : XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX Credit Card : XXXX  XXXX Received an email on XX/XX/year> ( from XXXX ) saying my application for their credit card was denied. I did NOT apply for this credit card. Checked my credit and there has been a hard credit inquiry from this company. When I tried to call the company for more information the automatic answer requested my social security number before I could talk to a person. I was not comfortable sharing that information and was not able to talk to a company representative. 

Note : I have not lived at the address used for the application in over 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$2900.00} in form of XXXX XXXX money orders into my bank of America account XXXX. I was advised at that the time my account would be credited the next business day by the teller at the XXXX tx branch office. On XX/XX/XXXX the bank risk department decided to close my account without warning. 
The reasons give me was I had two return checks on my account from closed account. Now I have been a customer of bank of America since XX/XX/XXXX and hadn't one return check prior to these two items. 
Then I was advised that may deposit will not be release until XX/XX/XXXX. I demanded my money be released. After few hours on the phone the bank decided to release {$340.00} of the {$3200.00} dollars that was in the account. 
I need help to get the rest of money release from Bank of America. Help Help!!!!
Product: Checking or savings account

I told my bank I was scammed but they said there was not proof, if someone else taking my money, I was scare to share what happen, because was scare by the person who scammed, saying it was an investment. 
The manager number is XXXX ( XXXX ) XXXX He contacted me, saying to send XXXX so I can get my money back, they stole XXXX from me but the bank couldnt get it, XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Basically I was scam on Zelle for a good and service purchase
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MY NAME IS WRONG ON MY CREDIT REPORT
Product: Debt collection

The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. 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 XXXX XXXX XXXX, 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. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting another request for the removal of items from my credit file attributed to alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than four business days after XX/XX/XXXX. I have previously addressed this matter in the report enclosed with my prior letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, the information provided on these items is unfamiliar to me and has been expunged from other bureaus, raising doubts about its accuracy. This complaint serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2300.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXTRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX. I am issuing another warning. Please remove the items resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX REMOVE LATE PAYMENTS, UPDATE TO PAID ON TIME
Product: Credit card

Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to update a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$0.00} ;