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

Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
Product: Checking or savings account

I've had a year-long wrestling match with Wells Fargo about a business savings account. 

The accounts I opened for The XXXX XXXX XXXX in XXXX are : XXXX XXXX The prior accounts for the same LLC opened in XXXX are : XXXX Last week, Wells Fargo informed me that the XXXX accounts were opened correctly -- not requiring signatory from The XXXX XXXX XXXX, XXXX XXXX member of the XXXX. 

They informed me that the XXXXXXXX  accounts were opened incorrectly -- and did NOT require signatory from The XXXX XXXX XXXXXXXX XXXX XXXX member of the XXXX. 

Throughout XXXX, I was informed by prior Wells Fargo reps it's the law Wells Fargo get signatory from members who hold more than XXXX XXXX 

I need copies of the law which prove what they're claiming is legally accurate.
Product: Credit reporting or other personal consumer reports

My credit report was not accurately assessed by your company. The following companies are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX XXXX, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my XXXX  business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My account was limited for 180 days.
Product: Credit reporting or other personal consumer reports

Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, Equifax and XXXX has ignored my requests and I would like this account to be removed from my file.
Product: Debt collection

I am a victim of unfair debt collection practices. The company ABSOLUTE RESOLUTIONS CORPORATION is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized and fraudulent inquiries on my credit report made by the following companies : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX
Product: Debt collection

This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.
Product: Payday loan, title loan, personal loan, or advance loan

Paypal has been giving me late fees for paying 3 -4 days late. I have never gotten late fees that fast. I am paying payments but the balance is not going down. It is steadily increasing. Also, if I pay over the minimum amount it says next month I have a {$0.00} payment. I feel that they are charging excessively on interest and late fees keeping me from paying this card down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous creditors send me results XXXX  XXXX explaining that my credit score is XXXX the dates are XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX and XXXX XXXX, on XX/XX/2022 from XXXX XXXX ; I use 3 credit monitoring services, all 3 report the XXXX score at XXXX for the last 4 months ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the XXXX  Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
Product: Debt collection

Around XX/XX/2024 I received two letters from Credit-Control and/or XXXX about two alleged Collection accounts. On XX/XX/2024 I requested Validation, disputed it, and Asked for Purchase agreement between Credit-Control and XXXX XXXX XXXX On XX/XX/2024 they responded " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. '' Around XX/XX/2024 no correspondence or email had been received from this alleged collection agency and collection activity had been reported to all 4 credit bureaus. A direct violating of all Collection Law. See Attachment.
Product: Credit card or prepaid card

Not to mention that when I did call, the XXXX on the other line asked me every verifying question there was. It got to the point where I asked them '' do you want my blood type too. '' I bring this up because I feel this was XXXX. You are only supposed to ask for 2 verifying questions if someone comes in unverified. I feel they did this because I'm XXXX and I guarantee they don't do this to everyone or they would have many more complaints.My dispute is with Capital one credit card. I signed up for a free trial with XXXX and when I went on their website to cancel the subscription I could not because the page was no there. So I called capitalone and they gave me the phone number. I called that number and the number was non working and that number directed me to the website for issues. So after that, I called capitalone to dispute the charge. I called in multiple times and finally got it fixed. Then the next month I received another charge from XXXX. This was not supposed to happen because capitalone should have blocked the merchant. I called capitalone one again several times to complain then I received a notice stating that I will be charged the XXXX for the XXXX purchase that I did not make. I canceled. The I called a few more times and had to wait a half hour or more for a representative. Then they told me that another letter went out saying that I do not have to pay this charge and I have yet to receive this letter. This is ridiculous I should not have been charged again. I had to get a new charge card and block the merchant again. XXXX is the charge made on XX/XX/XXXX an XX/XX/XXXX. I called several times and received this treatment from several agents.
Product: Checking or savings account

My brother passed away XX/XX/2021. He was born, lived, and died in Colorado. As the Administrator for his Estate, I opened probate in Colorado. His IRA with Bank of America was closed as part of the settling of the Estate. Bank of America withheld money from the account for tax purposes, but instead of sending the funds to Colorado, they sent the withholding to California. I had to take money from estate funds to cover the amount owed to Colorado, as they wouldn't wait to be paid. Bank of America tells me it's my problem, and I have to retrieve the funds from California. California says Bank of America needs to correct their mistake. The amount is {$1300.00}. It's not a lot of money, but I can't close probate until the money is returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX
Product: Mortgage

Currently, I am making a formal complaint against XXXX XXXX from Rocket Mortgage. He was disinterest in what I had to say, fail to give me any paperwork for home equity loan, and he had poor communication skills. Personally, we had several personality clashes and felt like there's some ageism on his part as well.
Product: Credit card or prepaid card

I bought two sofa sleepers on XX/XX/XXXX for XXXX at zero percent interest for 5 years. I then bought a desk on XX/XX/XXXX for XXXX at zero percent interest until XX/XX/XXXX. They added some kind of account protection that cost a little over XXXX a month and that payment was paid from the monthly amount due for the promotional pricing. I set this up as an auto payment with electronic statements. I did not realize I was being set up for a huge 29.9 % finance when only half of the promotion was set up to be paid at zero percent interest. I chatted with XXXX and he said everything was calculated correctly and then said it was an error because of the exorbitant fee associated with the protection plan.He said I should ask for a refund for the protection plan. I called on XX/XX/XXXX at XXXX XXXX   CST and got hung up up and then called at XXXX XXXX  CST and finally got a manager who made fun of me for not catching it on the online statement. He then lied to me and said that the purchase would still carry at zero percent interest after the promotion ends because that is what I bought it for so it doesn't matter-this is not what is printed on the statement. He also told me that he can not add the protection plan costs to the balance because that would incur interest and cost more. So I am stuck with bad furniture that did not hold up and really dishonest financing. They intentionally set up my monthly minimum so that it would not cover the promotions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4700.00} XX/XX/XXXX XXXX  XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITICARDS CBNA, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouris consumer protection and identity theft laws. 

It has come to my attention that CITICARDS CBNA has engaged in unauthorized reporting of my personal information to credit agencies without obtaining my explicit consent. Under federal law, specifically Section 1681b ( a ) ( 2 ) of the FCRA, consumer consent is a legal requirement for the reporting of such information. 

In addition to federal law, Missouri law under the Revised Statutes of Missouri ( XXXX ), Section 570.223, defines identity theft and fraud as the unauthorized use of someones personal information, including in relation to credit reporting, and provides for penalties in cases where unauthorized actions result in harm to the individuals creditworthiness. Missouri statutes also support the fair and accurate reporting of credit information and offer legal recourse for consumers affected by fraudulent or unauthorized activities. 

I affirm that I have not given CITICARDS CBNA any consent to report information to my credit report. This unauthorized action constitutes a violation of my rights under both federal and Missouri state laws and has the potential to damage my creditworthiness. 

I demand that CITICARDS CBNA immediately ceases all reporting of information to my credit report without my explicit consent, in accordance with Section 1681b ( a ) ( 2 ) of the FCRA and Missouris identity theft and consumer protection laws. Failure to comply within the specified XXXX period will be considered willful noncompliance, which is subject to penalties under both federal and state laws, including Missouris identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri laws protecting consumers like myself from unauthorized and harmful credit reporting. I expect CITICARDS CBNA to take immediate corrective action to rectify these violations. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The last letter I sent to Transunion was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Transunion is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. I also reach out to the furnishers and they agreed to not report the accounts on my file BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having these accounts with these companies so please DELETE these damaging accounts from my file IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXX and it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.
Product: Debt collection

Date XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX XXXX Not only did they not Validate the debt but they did not respond within a sufficient amount of time.
Product: Credit card or prepaid card

I am a victim of identity theft. The Fraudulent Activity happened XX/XX/2013 with a balance of {$13000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts appear on my credit report