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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; Bankruptcy XXXX XXXX-Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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.
Product: Debt collection

I have contacted Capital One about two accounts that they have been reporting and they continue to report and even try to settle with bills. These accounts are not mine, I never had capital one credit cards. It is obvious what accounts I am aware of because I pay them and Capital One is not one of them. They will not provide applications or security agreements that was completed for me to even try and investigate where they received my information from.
Product: Credit reporting

The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.
Product: Mortgage

Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to LEXISNEXIS RISK SOLUTIONS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

I paid this account in a settlement I was told in exchange for the settlement the account will be removed from my credit report but it is still reporting I have tried to resolve this issue with the company directly and they refuse to talk to me by hanging up the phone.
Product: Checking or savings account

On XX/XX/year> I accidentally disputed a transaction. When I realized I knew what the transaction was, I contacted cash app and asked to remove the dispute. I was told it could not be done. When I received an email stating that the dispute was resolved and I was credited, no credit was actually given. When contacted customer service on XX/XX/year> an advocate told l me I was credited on XX/XX/year>. It was never put on my account. So I called and spoke to a manager named XXXX who was unprofessional and sent me a bogus statement. Now nobody on the staff has helped.
Product: Mortgage

My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need TransUnion to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from TransUnion. 

I dispute this account under 15 USC 1692g validation of debts.
Product: Credit reporting or other personal consumer reports

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. The relentless denial of my identity theft claim has subjected me to prolonged anguish and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on my financial stability and emotional well-being. XXXX XXXX XXXX XXXX. Please delete these account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single month I have to file a complaint with transunioun for not updating my credit card accounts, this time it's my XXXX XXXX acct the balance is {$5.00} and has been updated on the two other bureaus since the XXXX, I have attached screenshots of credit report from XXXX and XXXX  showing my XXXX card, again transunion is the only credit bureau every single month that is not reporting my balances on time, this is very very frustrating and time consuming and needs to be resolved this month for good it does not keep happening, I have also attached my transunion report, again every single month there are reporting issues with transunion, I should not have to do this complaint every single month, my XXXX card may also be labeled XXXX XXXX XXXX, the balance is {$5.00} report date XX/XX/XXXX the XXXX of every month as u can see on the report, past and present
Product: Debt collection

They keep calling my number. I NEVER identified myself, but I have asked them several times NOT to call my number anymore. They call from different numbers and area codes.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts rae DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My savings account was involved in a Wire Fraud amounting to {$4900.00}. I contacted Citibanks branch office in person to alert them of the situation. They told me they will investigate and return my money back in 90 days. I patiently waited even though I never heard back from them. Upon the 90 days period ( XX/XX/XXXX ) I went into the branch and I was told they have no money for me. I either get a lawyer or forfeit my money. I closed my accounts right away. My own bank meant to protect my lifes saving showed no form of responsibility and totally is trying to take advantage. I am on the verge of homelessness because of this.
Product: Debt collection

The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ Equifax & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Product: Credit reporting or other personal consumer reports

An unknown individual has used my personal information to obtain mobile service and personal loans without my knowledge. 
XXXX XXXX XXXX  {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$760.00} XX/XX/XXXX As well as inquiries from these companies. 
XXXX XXXX XXXX I have filed a FTC report on these fraudulent activities.
Product: Student loan

As a claimant in XXXX XXXX XXXXXXXX, my federal loans were discharged and am awaiting a full refund of funds spent owing to fraudulent practices of the for-profit law school which was forced to close. 
Navient ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) refuse to discharge my private loans, citing the loans were to me and not the school, I XXXX  before the school closed, and that I passed the XXXX. 
I explained that I passed owing to purchasing prep courses from third parties, and that the diploma was worthless, hence the school 's forced closure. 
I am a veteran, XXXX XXXX XXXX ( XXXX when I enrolled ), wife and I retired. The above loans ( our only debt ) are damaging our credit ( my wife co-signed ).
Product: Debt collection

Debt collector called my mother, they then proceeded to discuss my account information with her. Told her how much was owed, what was owed and tried to collect payment from her thinking that she was me despite her telling them her name. 

Ive never had any contact with them prior to this and they were threatening her with legal actions- assuming that she was me.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.
Product: Payday loan, title loan, or personal loan

ON XX/XX/2019, I APPLED FOR {$800.00} LOAN AND WAS APPROVE, REQUIRES 200 CREDIT INSURANCE SSCAM.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. This occurred in XX/XX/year> where my split check of just over {$300.00} didn't deposit. It's currently XXXX  days later, late evening and still no deposit. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it 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: Credit reporting, credit repair services, or other personal consumer reports

3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : National Credit Adjusters Acct # XXXX* {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation.XX/XX/XXXXThey responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( National Credit Adjusters ) To date ( XX/XX/XXXX ) The Furnisher has not complied with the FCRA. They have refused to respond to my request for  information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXX I filed an identity theft report XX/XX/XXXX I called XXXX  to resolve and was told there is no way to fax documents. I was told to use their upload site.

XX/XX/XXXX Attempted upload via XXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXX I attempted to submit the dispute online at eXXXX the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute.

XX/XX/XXXXI sent a third certified letter to XXXX requesting the information be deleted. and including the identity theft report. 
Both XXXX and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both XXXX and the furnisher are in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I was scammed by a consumer, I paid the consumer for a service thinking it was legit and it was a scam ending up getting a charge back on my account and immediately disputed the charge through cash app and let them know this person was scamming others as well. I know at least 3 other people who were scammed by him. I tried to make them aware to shut down his account and explained I was scammed. My dispute was denied and my case was closed. I have tried several more times to dispute to no avail.
Product: Bank account or service

Paypal/ XXXX, signed me up for paypal credit when I wanted to use my credit card. They claim its my default ; however, that day I added my card and tried to use it. I did not put my social in or anything. I happened to look on ebay and it stated thanks for using paypal credit.
Product: Credit reporting or other personal consumer reports

I MADE A COMMPLAINT VIA CFPB ABOUT MY EXPERIAN REPORT ON XX/XX/2024. EXPERIAN RESPONDED WITH " THE DISPUTED INFORMATION HAS EITHER BEEN REMOVED OR DO NOT APPEAR ON YOUR CREDIT REPORT '' I HAVE REACHED OUT TO EXPERIAN FOR AN UPDATE AND RECIEVED NO RESPONSE. I HAVE CHECKED MY CREDIT REPORT ON MULTIPLE SITES AND NOTHING HAS BEEN VERIFIED. I REQUEST THAT EXPERIAN SENDS ME AN UPDATED REPORT WITH MY RESULTS FROM MY DISPUTE.
Product: Consumer Loan

I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice.
Product: Checking or savings account

On XX/XX/XXXX of XXXX. I had received a call from a chase phone number with caller ID that my debit card was compromised, and I had to receive a new card. I had a card from another financial institution that was compromised through a skimmer in XX/XX/year> while on vacation that had to be replaced. I thought this could be in relations to of this. The so-called clerk on the phone requested that I would receive a 1-time pin texted from me and I should read back to them to confirm. I confirmed the one-time pin and my card was requested. Little did I know that this was actually scammers since they we're able to order a debit card and using my phone number and we're able to request a debit card overnight. 

On XX/XX/XXXX, they we're able to go to a XXXX XXXX location in XXXX and withdrew 2 sets of {$300.00} per transaction. They also went to a teller and withdrew {$3900.00}. Because they had my debit card and pin, the branch did not ID the person. Once the transaction was complete, the manager of that branch called me and asked if withdrew {$3900.00}. I said no and he said to go to the nearest branch location and talk to them. I went to a XXXX branch, and I was able to get my 2 transactions of {$300.00} refunded immediately but not the {$3900.00} since the transaction was still pending. I talked to the claims department on the XXXX of XXXX giving them my details of what happened. They said I should get a response within 5 business days. I called a week later asking for a status and they said they would escalate my case, and nothing was needed would receive an answer within 3 business days. I 5 days later and was told by the claims department my claim was denied, I requested to talk to a manager, and he looked deeper and said that my claim needed a verification of my phone provider. I never received any information from chase that requested this information. I sent an email provide by the manager on XX/XX/XXXX to the fraud department with my phone carrier information. I called on the XXXX of XXXX to see what was going on and they said they would get an answer back to me within 2 days. I called XX/XX/XXXX and they said that what I was sent was not correct and needed to send a validation from my phone carrier that my phone number was duplicated ( I tried to get this to no avail ). They said without this my claim would be denied and not reopened without this information. 

I had not received any official correspondence from XXXX requesting information to help with my claim, and when I requested from XXXX to let me know where the debit card was sent, they refused to give me the address where it was sent so I can file it for a police report. The claims department did not even investigate the branch on where it happened to, because I stated to their claims department the branch manager called me to notify me someone withdrew {$3900.00}. The claims department refused to call or interview the branch on where this occurred.
Product: Debt collection

I have went back and forth with this company about a collection supposably from a health club that i did not attend. This account is a direct result of identity theft. ALDOUS AND ASSOCIATES is refusing to remove the collection from my credit. report per 605b of the FRCA. Also this company is also sending harassing calls on a daily basis. I have filed a police report as well as now ALDOUS AND ASSOCIATES is asking for a idenity theft report ( Attached )