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

I've been in a communication tag with Bank of America for over 4 months. In XXXX, I was the victim of identity fraud, I called BOA immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from Bank of America to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX Balance : {$260.00} Medical XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are fraudulent on my credit XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX.
Product: Checking or savings account

I opened a Barclay Savings account, ending in XXXX, in response to a offer for XXXX card members for XXXX bonus points, it has been more than 60 days since meeting the $ XXXX balance requirements and 8 weeks since the promo ended on XX/XX/XXXX - I have still not received my points. I have contacted Barclays via secure email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - each time promised points would be added to account, they have not been.
Product: Money transfer, virtual currency, or money service

Can not access my Cash App ( XXXX XXXX ) account. My bank account that was connected to it was hacked ( XXXX ) and the hacker used Cash Apps name during the hacking. After seven to eight attempts to get cash app to assist me in getting into my account they have not given me any assistance. I have responded to their request for helpl and continue to do so till this day and continue to do so. The hacking occurred on XX/XX/XXXX or XXXX when i checked my account that morning. I had over {XXXX} in stocks, Bitcoins and cash in the account prior to this hacking. You can only communicate with them through email I have called lthelm and there is know way to talk to a live person. Each time I contact them through email they send the same reply from a different person response. My email is the same XXXX I have only used this email address since dealing with Cash App. they will not take the time to research that email to see if it is connected to my old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an XXXX XXXX XXXX XXXX member for over XXXX XXXX. I've never been late on payments and have paid down balances in excess of {$8.00} XXXX. My account has been reported XXXX XXXX overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XX/XX/2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but XXXX informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all XXXX  agencies ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but XXXX XXXX XXXX won't remove this from my 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently sent in report expressing to the XXXX major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself. 

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

1. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

2. XXXX XXXX XXXX XXXX. The XXXX XXXX 4. XXXX XXXX 5.XXXX 6. XXXXXXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX These accounts should be removed and blocked from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and Apple Card were used to make many unauthorized transactions ( approx {$6000.00} ). I notified Apple/Goldman Sachs within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

Apple/Goldman Sachs disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted Apple/Goldman Sachs to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, Apple/Goldman Sachs actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of Apple/Goldman Sachs rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and XXXX ( the reporting agencies at this time ). They both opened investigations and apparently Apple/Goldman Sachs continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance Apple/Goldman Sachs alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Product: Money transfer, virtual currency, or money service

Unfortuntly due to a hack we were trying to purcahse a puppy by a person we thought was the original person and we were scammed by sending a XXXX doposit. 
I havr contacted zelle about the hackers and have not had no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to ask them to remove/correct the inaccuracies of my personal information on there site. I gave them my name, current address, current employer, and current phone number.

About 2hours later I got an email indicating the dispute was finished. Reviewing the report ; I noticed they had not deleted a po box which is not my current address and did not remove the multiple names they have listed.
Product: Credit card or prepaid card

I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.
Product: Credit reporting or other personal consumer reports

I checked my credit report and it have been ran by serval creditors that I was unaware of
Product: Checking or savings account

Banked with wells fargo. Money was taken from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX  XXXX Balance : {$9800.00} 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 Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX XXXX Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove XXXX XXXX XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX from my credit reports.
Product: Debt collection

There is a XXXX bill that has shown up by a credit agency and they continue to call me even though they know it was my ex-husband that opened the account. This is not my debt it was opened fraudulently and I want it removed from my credit report without further harassment. 

I should not be treated this way for something that I did not purchase or get the benefit of.
Product: Credit card

On XX/XX/XXXX, I initiated a payment to the credit card from my savings account. I did not mean to pay from this account, but it was the default listed and I forgot to check. The payment amount I sent was {$220.00}. 

On XX/XX/XXXX, the payment was returned and I was charged {$220.00} to my credit card for this. 

I was then forced to pay {$490.00} total on XX/XX/XXXX to bring my account back up to date.
Product: Checking or savings account

I am filing a complaint today with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues which violates the ETFA which requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Debt collection

On XX/XX/2021 I sent a letter to CAPITAL ONE AUTO FINANCE requesting information on a debt they allege I owe and I haven't received any correspondence back yet in regards to that. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXXXXXX credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX
Product: Money transfer, virtual currency, or money service

I initiated a {$1000.00} money transfer to XXXX using through Wise on XX/XX/2023. Wise withdrew the {$1000.00} from my XXXX XXXX account. They charged {$18.00} fee. 
The money was supposed to be available to the recipient on XX/XX/XXXX and today is XX/XX/XXXX and the recipient still don't have the money. 

I made several attempts to get hold of Wise customer service and every time they keep saying they will get back to me within 2 days. Still no resolution. 

Thanks,
Product: Debt collection

I have filed XXXX disputes with Equifax in regards to a medical collection debt on my credit report. I have attempted to dispute with creditor first then filed dispute with Equifax, in XXXX of 2023 they came back and stated the debt was valid. Upon my request for the means in which they validated the debt and the information provided they declined and advised I reach out to the creditor which will not respond. Equifax is in violation of my rights as a consumer to accurately prove validation of debt as well as failure to provide accurate creditor information. It is shown on there website to be as a consumer as XXXX XXXX yet they have it on there end as XXXX and XXXX. XXXX and XXXX did there legal obligation to protect me as a consumer and appropriately and properly investigated my disputed and protected me from invalid debt and have since removed this debt from my credit. I am requesting that the debt for XXXX XXXX or XXXX and XXXX in the amount of {$890.00} be removed from my credit immediately.
Product: Money transfer, virtual currency, or money service

I reached out to CFPB XX/XX/2021 out of desperation for help with this serious matter, I gave my feedback in hopes I would receive some type of compensation in a refund, XXXX logo states ( We Are on your Side ) but the response I received didnt say that It only said my complaint will be put in the database.But that doesnt make this wrong right nor make me whole.what is the process of getting a one refund as I have noticed in some others complaint when they have a victim of scams I had been seeking to find a emotional dog for companionship, I looked into adoption.After searching I came upon what I thought was a legitimate organization on XXXX  called XXXX reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my XXXX XXXX  app and sent the {$380.00} through Zelle which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to Zelle refused to help they stated they could not help me because I sent the funds on my own, And so I called Zelle and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.I have reached out to Both banking institutions only to be told we cant you.I have done all I know to do the law enforcement can only do so much as scammers use fictitious names so its hard to track them done..I really need your help Im on a fixed income, I thank you for taking the time from your busy schedule and look forward to hearing from your Team.warm Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Product: Debt collection

On XX/XX/year>, I received a debt collection notice from Harris & Harris , Ltd. regarding an alleged debt. Following this, on [ insert date of first letter ], I sent a certified mail request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation of the original creditor, proof of my liability, the amount owed with an itemized breakdown, and other relevant details. Despite allowing sufficient time, Harris & Harris failed to provide a response. 

On XX/XX/year>, I followed up with their office via telephone to inquire about my validation request. Their representative acknowledged the call but did not confirm that they would provide the requested documentation. To date, I have not received any validation of the debt, nor have they ceased collection activities, which is a violation of the FDCPA.

Their non-compliance has caused undue stress, and I am concerned about the legality of their collection practices. I am seeking CFPBs assistance to investigate Harris & Harriss handling of this matter and ensure compliance with federal laws. Copies of my correspondence, certified mail receipts, and a log of phone calls are available upon request.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I asked the credit Bureaus to do a reinvestigation into this XXXXXXXX XXXX XXXX account and if it wasn't 100 % accurate and verifiable, I asked for this account to be deleted from my credit report. I requested that XXXX close my account around XXXXXXXX XXXX XXXX XXXX XXXX I believe. The comment by XXXXXXXX XXXX on my credit reports now read closed at consumer 's request with XXXX late payments on XXXX. However, even though this account is closed, they continue to report new late payments and activity when that is inaccurate if this account is closed. This is a direct violation of the FCRA. I also previously asked for valid proof showing when all payments were received into the account at XXXXXXXX XXXX and if it couldn't be provided, I requested that the account be removed from my credit reports.