23daVinci/CFPB_Complaints huggingface dataset:
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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

. 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. ) The following report included this language but Equifax and XXXX  are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... 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 accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

Business contacting me deceptively claiming to be in business with another individual ( that I do not know ). I believe they thought I did know the individual and were trying to get me to reveal contact details so they could contact them. I do not have any dealings at all with this company. They lied on the phone about who they were, and I thought at first they were a scammer trying to get info from me about people I might know to hack some account of mine. After XXXX the phone number I traced it back to this business and called directly and it was the same person that had contacted me lying about their identity.
Product: Credit card

Last year someone got a credit card in my name and made unauthorized charges to my account at Chase. When I got my monthly bill I noticed those charges and informed Chase that I did not make those purchases and didn't want to pay for them. Chase " investigated '' and said that I did have to pay for them. 

I contacted several departments at Chase, including XXXX XXXX and their investigations unit, and explained that I had never been to the places where the card had been used, and that if they had diligently investigated they would have checked surveillance tapes to see who did use the card and when they used it. 

I am now getting letters from a collections agency. The amount is a little over {$330.00}, which does not seem like much to Chase but is a lot to me. I thought part of the monthly fee I pay to Chase for my credit card includes insurance for theft, but Chase apparently disagrees. Can you help me get these charges reversed? 

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

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service representative.
Product: Checking or savings account

Three total transactions taken from my account on three different dates starting in or around XX/XX/XXXX totaling XXXX. 
I am in the US military and my account was hacked. 
No permission was given for these fraudulent XXXX transactions nor do I know who the recipient or sender was. 
I am requesting my money back in full immediately. 

Police reports have been made
Product: Debt collection

This Event was one of the Most Challenging experience in my life regarding XXXX XXXX XXXX, Burglary and False Reporting in order to get more money after they allowed their Maintenance men to enter my home while I was at work and the Babysitter step out with my 2 year old son at the time to grab valuable items along with changing my locks because the Judge from My domestic violence case Granted to permission that I was allowed to break my lease due to safety reason that happened prior. On XX/XX/XXXX There was a domestic assault that on the complex which the XXXX XXXX was notified that my safety was at risk. I reach out to the Apartment Rental Office XXXX XXXX XXXX to inform them of the situation because the Police was involved they continue to ignore my communication regarding my safety and using my security deposit for relocation. I got grant from the State showing I was approved for relocation money documents on file showing this event. With no warning or 30 day notice on XX/XX/XXXX I got a call from my frantic Babysitter XXXX XXXX that she was locked out and cant get in. I immediately left my job upon arrival I called a locks smith got into my place we immediately notice items was stolen before my items was even remove from the apartment. My security deposit was in the amount of XXXX which I uploaded they kept. To insult to injury after being XXXX from previous event that took place on XX/XX/XXXX I had to deal with getting robbed by the apartment complex maintenance men along with them covering up their actions in keeping my deposit, ruining my credit, stole all of my electronics has I provided in my documents. I have submitted police reports and they continue to try to hide the corruption. XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Fl, XXXX phone # XXXX. This Company Goes by several other names such as XXXX XXXX. I have sent several emails to them and they just ignore they fact that their lying and I don't owe any money to them. Not only did they ignored my plea they stole many valuable items from home in the process in trying to destroy my credit .When I contacted the collection agency they sent me letter Stating the Creditor stated I owe money because of Soda Damages? Just so they can accumulate a fake debt to cover up what they have done. The apartment had no damages at all because I was not in there for that long. Please look at the dates on everything they send because it doesn't add up. They know I'm a struggling mother and they want to take advantage of that during a time I was assaulted.
Product: Debt collection

XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
Product: Debt collection

In XX/XX/2021 I was informed by the American Express that I was being canceled. I was never told why I was just sent to a collection agency. Immediately I talk to the lawyer/collection agency and I explained I would send him the {$3800.00} that American Express says I owe. 
They gave me no reason to cancel my account and immediately I sent the {$3800.00}. Then they said that I owed a 60 day late. I believe theyre Being vindictive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE  XXXX  BUREAUS SHOW IT.   XXXX    SAID IT IS N'T SO.
Product: Debt collection

XX/XX/2022, I received a phone call around XXXX XXXX stating that I had a debt with XXXX XXXX XXXX, Reference number is XXXX, I do not have any responsibility for the debt youre trying to collect. XXXX XXXX XXXX If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX Equifax and XXXX regarding the incorrect information being reported on my credit file it has been well over 30 days and I have not been given any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that was not made by me or authorized by myself could be related as fraud Transunion XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I fully paid my Bank Of America credit card account. On XX/XX/XXXX, Bank of America charged me {$170.00} interest on a fully paid account. By the way, I paid Bank Of America the amount they listed to pay the account balance. There was no option other than to pay the total account balance. 

I called and asked for that interest charge to be removed and was told that they would respond in a couple of days. On XX/XX/XXXX, I was sent an email saying the request was denied. No reason was given, other than saying the decision was final. 

I feel it is pretty rotten of a company to charge me {$170.00} on a FULLY PAID account and then not even bother to give me a valid reason why the request was denied. 

I've been a Bank of America customer for over 10 years and this really frustrates me.
Product: Credit reporting or other personal consumer reports

Starting on or around XXXX, XXXX, current consumer information has been inaccessible via my online account at www.service.transunion.com. Additionally, each time I have attempted to log on, it required a live customer service agent and/or was escalated to supervision within the technical support/dispute areas of the organization. Lastly and most importantly, when requesting to view my credit report online, the dashboard states the message : " credit report has not been updated since XXXX, XXXX. '' The lack of attention to my requests to dispute the same issues repeatedly even after my attorney and I provided relevant documentation supporting the requests more than one as well as Transunion 's inability to provide current updated online credit reports that are readily available for download access is very disappointing, and life altering because of the countless credit denials I have received that is affecting my livelihood. 

I want all dispute requests regarding corrections to accounts such XXXX XXXX and all XXXX loan accounts that should both indicate XXXX balances due to documentation submitted and federal XXXX  loan forgiveness completions completed immediately. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXXd, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

in XXXX XXXX XXXX during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and Pen Fed did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from Pen Fed Credit Union regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it.

It been 6 years now. and Pen Fed said they will never take it off
Product: Credit reporting or other personal consumer reports

Equifax has determined to continue to impede, furnish information without my consent and choose to NOT provide the proper determination and option to resolve a matter which I have reached out to them on numerous occasions. My progression has been halted due to the insufficient details given by the Equifax representatives who are basically not inclined to give proper direction. 

XXXX XXXX XXXX  documentation is still being rejected unlawfully! 

Sent my information via certified mail ( received on XXXX XXXX ) and on the website due to resolve this matter immediately. Equifax responded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX repeating the same information which AGAIN does not give details as to the documentation that is missing and why they need ADDITIONAL information. 

As per the CFPB, Victim determination is generally defined as documentation of a determination that a consumer is a victim of trafficking, made by either : a Federal, State, or Tribal governmental entity, a court of competent jurisdiction, which includes certain documents filed in court ; ; a non-governmental organization or human trafficking task force, including victim service providers affiliated with these entities, authorized by a Federal, State, or Tribal government entity ; or a self-attestation by a consumer who identifies as a victim of trafficking that is signed or certified by a Federal, State, or Tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. 

https : //files.consumerfinance.gov/f/documents/cfpb_XXXX I have provided the Self attestation which is signed by a Court Judge and they are still rejecting my documentation.
Product: Debt collection

All my medical bill should have been sent to Attorney XXXX XXXX not to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : 1. XXXX ( Miscellaneous ) 2. XXXX ( Miscellaneous ) 3. XXXX XXXX ( Miscellaneous ) 4. XXXX XXXX  ( Miscellaneous ) 5. XXXX XXXX ( Miscellaneous ) 6. XXXX XXXX ( Miscellaneous ) 7. XXXX XXXX ( Finance ) 8. XXXX XXXX XXXX  ( Bank ) 9. XXXX XXXX XXXX ( Miscellaneous ) 10. XXXX XXXX ( Miscellaneous ) 11. XXXX XXXX XXXX ( Finance ) 12. XXXX ( Miscellaneous ) 13. XXXX XXXX XXXX ( Bank ) 14. XXXX XXXX ( Miscellaneous ) 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Money transfer, virtual currency, or money service

Cash app took money out of my bank account undersquare.com so Im assuming my information was sent to another person and it faked as cash app and was able to take out money on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.
Product: Student loan

A few years back, I kept getting emails from XXXX/XXXX advertising forbearance as an option for me, I was never given information about income driven repayment.
Product: Credit card or prepaid card

On XX/XX/2020 I registered my daughter for the XXXX XXXX XXXX XXXX scheduled to take place on XX/XX/2020. I paid {$420.00} for the camp via one of XXXX websites, XXXX ( see attached [ XXXX XXXX XXXX ] ). 

On XX/XX/2020 XXXX XXXX cancelled the in-person camp and moved it online ( see attached [ XXXX XXXX XXXX ] ). XXXX XXXX gave the option to move to an online camp, but no option for refund of the service they were not going to provide. 

On XX/XX/2020 I declined XXXX XXXX offer for the online camp ( see attached [ Online Camp XXXX ]. 

On XX/XX/2020 I initiated a chargeback against XXXX for {$420.00} since XXXX XXXX never provided the in-person camp I paid for and did not issue a refund. 

On XX/XX/2020 XXXX XXXX of XXXX via email asked me to confirm that the {$420.00} charge was accurate, and to sign a letter of non-dispute. I responded that same day declining to do these things. Again on the same day XXXX XXXX responded back Thank you for letting us know. This entire email thread is attached [ XXXX email XXXX ]. 

In their response to Citibank regarding the chargeback, XXXX claims Cardholder likely did not recognize the charge. Despite multiple emails and phone calls, cardholder has not responded. ( see attached [ Citibank dispute resolution.pdf, page 3 ] ). This is a lie. As the email chain referenced above shows, I responded to XXXX and they acknowledged my response. Additionally in the documentation XXXX sent to Citibank, XXXX also included a copy of these emails ( see attached [ Citibank dispute resolution.pdf, page 6 ] ), further evidence of XXXX lie. 

On XX/XX/XXXX, believing XXXX 's lie, Citibank closed the dispute. 

On XX/XX/XXXX I send Citibank a letter and attachments via Priority Mail detailing the above asking them to reopen the dispute ( see attached [ Reopen dispute letter.pdf ] ). 

On XX/XX/XXXX Citibank responded ( see attached [ Citibank investigation closed.pdf ] ) that they received the letter too late and could no longer assist me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FIXXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00} XXXX XXXX XXXX  ( Original creditor : XXXX  ) XXXX Balance {$290.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX {$3000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX