23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files.

1. Account : XXXX XXXX Account Number : XXXX Balance : {$1500.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX XXXX- Account Number : XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Account Number : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX Credit - Account Number : XXXX Balance : {$5700.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Debt collection

On XXXX XXXX in a pre-recorded conversation with Toyota Financial Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my XXXX XXXX Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, XXXX and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and Toyota Financial Services didn't want to take the offer from the dealership. 

So Toyota Financial Services sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a US XXXX XXXXXXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to XXXX XXXX XXXX XXXX in XXXX, Idaho, and spoke to a rep XXXX XXXX  and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX Toyota Financial Services and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$24.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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: Credit card

I am submitting a complaint regarding a dispute filed with Apple Card concerning a transaction with XXXX. I purchased a machine from XXXX, but the software consistently malfunctions despite numerous attempts to resolve the issue with them. Apple Card 's decision to side with XXXX was unjust, as they claimed I had agreed to the merchant 's unspecified terms and conditions. However, Apple 's decision lacked clarity and failed to specify which terms and conditions I supposedly agreed to, which were not adequately disclosed at the time of purchase. As a result, I am left with a defective machine that XXXX refuses to support, despite their advertised warranty of up to 2 years on their website. This situation has caused significant financial and operational disruption, and I believe Apple Card 's decision overlooks my rights as a consumer under fair dispute resolution practices. I have diligently attempted to resolve this matter directly with both Apple Card and XXXX to no avail, and I now seek the CFPB 's assistance in achieving a fair resolution to this dispute. 

I have filed the dispute twice with Apple Card and both time they didn't resolve in my favor. I have contacted XXXX customer service multiple times and they couldn't resolved the defect. When asked to return the machine, XXXX refused. Apple Card looked at the case lightly and always responded " Please resolve with merchant '' even though I have submitted numerous evidence that couldn't resolve with the customer service. Apple Card also did not provide any explanation to why they close the dispute. This is lack of transparency and also violating consumer rights. 

Claim Number to Apple Card ( Goldman Sachs ) : XXXX Thank you for your attention to this matter. I am prepared to provide any necessary documentation and details to support my complaint.
Product: Checking or savings account

Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the 800 number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX Bank ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified a few days ago of the issue in writing by BOA after I expressed the concern ( by the way the letter from BOA is not even dated ) Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.
Product: Credit card

In XX/XX/year> I discovered that my online bill pay account to my husband 's Citi account of {$250.00} was credited to MY Citi account XXXX, giving me a credit balance of {$250.00} and hitting my spouse with a late payment of {$35.00}. It happened again in XX/XX/year>, so I called Citibank customer service with my spouse to rectify the issue. I asked if my balance of {$500.00} could be applied to his credit card balance via a transfer. They said yes. In XXXX, we both received our statements, and I now had a balance of {$1100.00}, and he had another late charge. We called Citibank back. Citibank had refunded ( sent me a {$500.00} check ) and did not transfer any monies to his account. Instead, they charged me {$550.00} for the transfer and {$500.00} for my refund. 
I've called each month since to correct this problem, sometimes on hold as long as XXXX hours. I've been through the customer service department, XXXX XXXX department, supervisors, and client focus customer accounts to no avail. Each time I've spoken with someone, they said, " Oh, I see the problem, '' and no one has known how to fix it. Someone even gave the account credit of {$200.00} for abandoned property, and then the following month, when I mentioned it, they took it away. The account is still showing that I owe $ XXXX of which is overdue, and I receive harassing phone calls XXXX  times per day. This is unacceptable harassment, which takes a considerable amount of my time. Each time I call I am told the call is recorded, so this should all be on record.
Product: Debt collection

I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.
Product: Mortgage

XXXX XXXX present sent multiple certified letters requesting loss mitigation options and if there is a sale date ; I have reached out the phone number listed on letter and it is not working ; other times, I have reached out to the lender and I am transferred about three or four times ; some days, they verify my information or call me directly to verify the information and drop the call. I think they are only recording the verified part but then hanging up so we cant address the issues. 

XXXX XXXX XXXX to date options mentioned in the preliminary loss mitigation affidavit from VP of Loan documentation were not accurate ; XXXX XXXX present I was never given the option for a payment deferral, forbearance or repayment plan ; I have submitted a new application several times and was offered a partial payment plan program which never was processed.
Product: Credit card or prepaid card

Hello CFPB, I am checking my credit today because I looking into buying a home someday and came to see all these fraudulent activities on my reports. I am very upset because these fraudulent accounts open in my name without my authorization or knowledge. This has caused tremendous damage to my credit rating. 
These are the fraudulent credit card accounts and the fraudulent inquiries BELOW. 

fraudulent inquiries : 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: Debt collection

XXXX, XXXX, XXXX & OTHERS INCLUDED You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Yall are out of lawful playground. congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). JEEFERSON CAPITAL SYSTEM AND XXXX XXXX XXXX XXXX If This transaction even took place it should've been held confidential! are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you wouldnt know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Must I remind you this the second time disputing this matter and Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. Also these false & inaccurate debts should all be removed from My consumer report PERMANTLY AND DELETED pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST OF ADMINISTRATION PROCESS FEDERAL LAWSUIT WILL BE FILED!
Product: Credit reporting or other personal consumer reports

I am submitting this communication to Comenity Bank under the Provisions under FCRA 623 ( a ) ( 8 ) ( E ) .I am requesting once more the actual Date of Last Payments that you have on file regarding accounts ending in 7940. 
Again, I do not care that you sold this account that has nothing to do with the fact that I believe you may be complicit in RE-AGING this account and I find it hilarious that you continue to state the month and year in which you charged off the accounts. This is interesting because you refuse to provide XXXX that I requested. 
Since you state accounts belong to me but in all actuality they DO NOT. You say you charged off account then give me XXXX. 
Again, the Date of First Delinquency is what triggers the 7 year reporting period. I do not care when you say they were charged off. 
Under FCRA 623 you have 30 days to respond or I will take note of your illegal failure to reply in a timely manner and add that to my list of your violations that you have committed thus far. 
The basis of my dispute is that this account DOES NOT BELONG to me in the first place and is too old to be reporting DELETE It and or send the TRUE Date of Last Payment on account ending in XXXX that you alledgedly have on file.
Product: Checking or savings account

I was walking home from work & dropped my cashapp card it was unlocked & somebody found it & spent money off my card sent to me a while back this happend in XXXX  around XXXX  time
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience ond financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from US Bank stating " Thank you for contacting Cardholder Services about recent changes of address. This letter confirms that your address change request has been processed ... ... '' " If you did not make this request on your account, please contact Cardholder Services by calling the number on the back of your card to speak with a live customer service representative. '' On XX/XX/XXXX, I called US Bank and they would not tell me what had been changed. I then called XXXX ( XXXX XXXX XXXX ) and they told me my street address was changed from " XXXX '' to the post abbreviation " Ter ''. US bank told me that they would call me back to provide the information once it was investigated but they did not call me back. On XX/XX/XXXX I logged into the US Bank website to transfer my unemployment from the prepaid card to my bank account at XXXX XXXX XXXX but found that my account at US Bank had been locked and they would not tell my why. They told me I would have to call XXXX. I called XXXX on XX/XX/XXXX but they had no knowledge that the account had been locked. I am attaching a copy of the letter I received from US Bank. XXXX already confirmed my identity when I filed for unemployment on XX/XX/XXXX. There is no valid reason for US Bank to lock the account. XXXX asked that we call them back tomorrow to talk with a specialist in regard to this matter. Their so busy that it is hard to get through to them and talk with a specialist. They were not notified by US Bank that the account had been locked and neither was I.
Product: Mortgage

XX/XX/XXXX Ocwen XXXX Department PXXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Re : Mortgage number XXXX This letter is to reiterate a challenge with the taxes on our property located at : XXXX, XXXX, New Jersey XXXX. 
We have XXXX lots of land with this property. When purchased in XXXX and since the inception of our mortgage, we have always had our taxes, insurance and premium combined in one payment. I realized a couple months ago that one of the properties taxes has not been paid for quite some time. We did contact the XXXX borough and Ocwen and we can not decipher where the problem began, what changed or more importantly how to rectify the problem. 
Seemingly, something happened ( not initiated by me or my husband ) where the taxes has not been paid or received by the city borough. Therefore, we feel it 's incumbent upon Ocwen and the XXXX to figure out what went wrong, when and resolve the matter. We have paid the mortgage amount given us with the all cost included and there is no way for us to figure it out. Since the XXXX and Ocwen have been exchanging funds, maybe you can find out when the amount changed and why. If there is something we can do to facilitate your research, we will be more than willing. This letter is being sent to all parties concerned, the FTC and CFPB. 
Please let 's all get together in some manner to figure this out without putting the full responsibility on my husband and myself. 
Respectfully yours, XXXX
Product: Money transfer, virtual currency, or money service

Tried to contact someone and never could get in touch and my transaction didnt get disputed