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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$460.00}
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 account 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 account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX business days after the date of receipt.
Product: Credit card or prepaid card

KOHLS/CAPONE pre-qualification process states NO IMPACT ON YOUR CREDIT SCORE, which I found highly deceptive and should be illegal using by kohls/Capone, because ultimately it led me to apply for their credit card and it DID NOT SAY IT WOULD EFFECT MY CREDIT SCORE. I feel pre-qualify was a bait to trick me to apply for their credit card. If they didnt use this term approve Pre-qualify I would not apply for their credit in first place which adversely affected my credit score.  They should be accountable for using this term loosely to trick me and other people into applying and potentially denying their credit and lose 6 point in my credit score for their inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there are fraudulent accounts that were opened under my name and personal information. I am not quite sure as to how this happened but the last incident that I can remember goes all the way back to XXXX of 2008 when my wallet was stolen from me when I was at the XXXX XXXX complex shopping. My debit and credit cards, Driver 's license and Social Security card were in that wallet. I had to obtain new cards after this incident and have not had any other theft incidents thereafter. Please help me clear this up. There are credit account and collection accounts that apparently showed up on my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX ( XXXX XXXX/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XXXX XXXX Certified Mail Tracking numberXXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX 2.Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a 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: Money transfer, virtual currency, or money service

I have put a copy of the details in the attachment below.
Product: Credit reporting or other personal consumer reports

The items listed on my credit I don't know I was XXXX from XXXX to XXXX and never used credit they need to remove them XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$7200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hi, I am writing this email regarding a court case that was defaulted against me. I am a combat veteran who has been in 5 combat deployments and was blown up and shot. I suffered significant and life long disabilities. I have undergone over XXXX surgeries. I am honorably discharged and seek medical through the VA. 
In XX/XX/2017, I suffered a XXXX XXXX XXXX and lost all XXXX in my XXXX. I couldnt make the drive over an hour to XXXX  XXXX, VA. I called the VA to get approval to go to the emergency room at XXXX XXXX. I have the approval letter from the VA. After the approval letter, it says that the payment is agreed upon between the VA and XXXX XXXX . XXXX XXXX took partial payment for the doctor and rejected the payment for the emergency room. 
A couple years later, I received a summons from the California Business Bureau to go to court and they placed a lien on my house. After I was served I was told after contacting an attorney that I only had 30 days to dispute the case. I am on XXXX on low income and didnt have a way to hire an attorney to represent me. I then find out that the court made a judgement against me to pay the amount and the attorney. 
This is absolutely disgusting that business are doing this to XXXX veterans and I could only imagine how many veterans they are doing this to especially through injuries and approvals. 
If theres any assistance to help veterans or how to deal with this.
Product: Credit card or prepaid card

My direct deposit was made to my account and Bluebird has froze my account so that I can not pay any bills, take out cash advances and in addition to that, they have hundreds of my dollars on transaction holds from over a week ago.
Product: Debt collection

I received a credit report alert on XX/XX/year> that my credit score had changed due to a purported XXXX collection account. My XXXX account is not overdue nor has it been in the past ( please see current bill summary in attachment ). 

The company below is obviously engaged in deceptive trade practices, attempting to extort easy money by planting false information in individual credit reports. 

In this case, the company below is claiming I owe XXXX {$520.00}. 

The facts are : I have had the same XXXX account and phone number for approximately 13 years and have never co-signed on any family member accounts or knowingly allowed use of my social security number on anyone else 's account. 

The company reporting false information on my credit reports is : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX of {$200.00} cleared by my current checking account bank. Marcus closed my account after receiving the deposit. I gave them a call on the same day and was informed that they have made the business decision to close my account. I was told to get back to them after 3-5 business days. 

XXXX XXXX XXXX Called them again to check in on the progress for account closure. Provided all details all over again and was told someone will contact about it and I don't have to reach out. 

XXXX XXXX XXXX Called them twice. First time, gave them all the details and the call was disconnected by the representative midway through the query and the second time was again told by the representative that someone will reach out but since then there has been no communication. It has been more than a month. 

I continue to receive statements on my physical address about the interest I am earning but I do not have access to my account or the funds deposited.
Product: Debt collection

AMSHER COLLECTION SERV is attempting to collect a debt that was a result of identity theft, the account was fraudulently opened and the original creditor XXXX had already removed said account from the credit reporting system 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement NAVY FCU on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not Give Written Instruction to do and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with NAVY FCU. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with NAVY FCU for review or collection. 
Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Product: Money transfer, virtual currency, or money service

Re : Case # XXXX Transfer of USDT ( Tether ) from XXXX XXXX to Gemini I have an account with XXXX XXXX where I had {$25000.00} worth of USDT ( Tether ) stored and noticed some unusual activity going on in the account. It looked like it was being monitored and test transactions were being run to withdraw crypto funds. This was taking place while I was on vacation in XXXX for several months. Communication was difficult due to time differences and security issues. 

I my haste and panic I immediately transferred the money out of the account without converting it to ether, which is the currency accepted by Gemini where I was transferring the crypto to. Instead of rejecting the transfer which is done by my other crypto wallet ( XXXX ) they posted it to the blockchain but denied me access to withdraw essentially keeping my account at {$0.00} rather than the {$25000.00} that was transferred to it. 

They asked for information regarding this transaction such as : the transaction hash the date and time of the transaction the amount etc I supplied them this information ( screen shots of the transaction info ) multiple times and they kept asking for the same info over and over. Never to acknowledge they received the info I communicated with them regarding this matter on : XX/XX/22 ( first contact day in XXXX which is a day ahead of the US ) XX/XX/22 ******Initial response back was inaccurate and DID NOT pertain to the same transaction, had to correct them several times. 
XX/XX/22 contacted XXXX XXXX Gemini on XXXX Forums XX/XX/22 XX/XX/22 XX/XX/22 contacted XXXX XXXX also on the XXXX forum XX/XX/22 XX/XX/22 More than a dozen times! 

The account was also hacked so an additional {$1000.00} of USDT was removed from my account. 

Total amount of loss : {$26000.00} I contacted a Law firm in the XXXX ( XXXX ) that specializes is this type of recovery and they said this was recoverable. 

I would like to have this crypto returned to me ASAP as this is my funds and not to be held onto by Gemini because they would like to keep it for themselves and have it locked up on their blockchain.
Product: Credit card

1 ) Applied for a Capital One credit card online. 
2 ) Received a notice by mail requesting that I call them with additional information. 
3 ) Called them with additional information and was told a card account had been approved. 
4 ) Received Card. 
5 ) Attempted to enroll card online so I could see statements, etc. Blocked from doing so. Advised to call them again. 
6 ) Called them again. Forwarded to a " Fraud Supervisor '. Asked many intrusive questions. Wasted nearly half an hour. Advised that card had been successfully activated. 
7 ) Received two letters stating that they thought account was opened fraudulently. Ignored letters because I believed the matter had been resolved during the excessively long phone call. 
8 ) Used card several times. 
9 ) Card stopped working. 
10 ) Today, XXXX, became concerned that first payment may be due, but have not received a statement yet. Attempted to enroll card online again to see statement. BLOCKED. Advised to call. 
11 ) Called. " Fraud Supervisor '' wasted about 8 minutes of my time jerking me around. I advised her that I would cancel the account if the problem was not resolved in the next couple minutes. She asked for my cell #, which I absolutely will not provide to an entity that shares/sells my personal information, as they do. 
12 ) Became frustrated and cancelled my card. 
I HAVE NOT RECEIVED A STATEMENT and I am concerned that this account will become delinquent because of Capital One 's actions.
Product: Credit reporting

I have XXXX tax lien via the state of Georgia on my Equifax credit report. I have attached documents that provide proof that the following should be deleted from my report.
Product: Debt collection

i recieved a letter from this vace and huffman saying i owed for something i never got or recieved of XXXX i disputed it on my XXXX it came back verified and i could not disput it again call the they were rude and had no explation of the company that financed it went out of business said i need to pay or it going to be on all of my credit reports and it is they needs to reomve this bogus account from all credit bureas i never got or recieved anything the company went out of business in XXXX and this collection got this is XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is not in compliance with the Fair Credit Reporting Act, IRS regulations and my Consumer Rights Act while being inaccurately reported by XXXX, XXXX and XXXX. These violations are unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Product: Mortgage

I asked a customer representative on XXXX XXXX how much I owed to get my home mortgage out of default. I was given an amount and I asked if the method of payment was acceptable. The payment was returned two weeks later. I was told today I had to pay the late fees and could not repay them later ( as told by previous rep ). The delay increased the amount I owed to more than a thousand, catching me in complete dire straits. I do n't understand why I can not get out of default paying the months I missed alone. I should be allowed to pay fees ( which are egregious ) later. Please advise!
Product: Mortgage

Wells Fargo held our mortgage from XX/XX/XXXX - XX/XX/XXXX. In that time we tried to modify our mortgage and was guided by Wells Fargo to do certain things. Wells Fargo never modified our loan even though we complied with all criteria and foreclosed on our home in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with "  XXXX   XXXX   XXXX  '' on my credit that does not belong to me.     Currently, the unpaid debt that is reporting totals up to {$10000.00} and the account number is "  XXXX . '' My report suggests it was opened sometime in  XXXX   XXXX .     The only account I have ever owned from  XXXX  was back from  XXXX  and it has already been paid off for years. The account number for that account was "  XXXX  ''.     I have called  XXXX  numerous times, at  XXXX  point even speaking to a supervisor and they continuously tell me that they are not reporting a charged off account to my credit. The only account in their database is the one I already paid off in  XXXX . They told me that the error in reporting is with Experian and they have to be the ones to fix this.     I am getting  XXXX  response from Experian but something completely different from  XXXX  themselves, which are the actual company Experian is claiming to get their information from. How can this be possible?     I feel stuck and do n't know how else to address this issue.     I am taking my complaint to the Consumer Financial Protection Bureau because Experian 's blatant disregard of the law in reporting someone else 's account on my credit is illegal and unacceptable.
Product: Debt collection

This compliant revolves around the collection agency XXXX and XXXX, XX/XX/XXXX of last year, I settled a debt with Kabbage on a business loan, and worked with XXXX XXXX from their Lien division. She was sending emails advising, a lien was going to be placed on my assets, and I had 24 hours to respond. I was initially contacted on XX/XX/XXXX regarding XXXX ( USD ) debt with Kabbage, which I settled for XXXX with the payment clearing on XX/XX/XXXX. 

XXXX XXXX on behalf of XXXX and XXXX, sent an email on XX/XX/XXXX, attempting to collect XXXX ( which XXXX ). I signed in to their website, and also see an open balance of XXXX, with my XXXX prior payment. Essentially, XXXX and XXXX never cleared in their system, or closed out the debt, and reflected the accepted settlement offer. 

Starting on XX/XX/XXXX, I sent several emails ( one to XXXX and XXXX and XXXX support ), advising this was settled and offering to provide documentation. No one from the company has responded. On XX/XX/XXXX, I sent an email to XXXX XXXX from their XXXX division who I negotiated the settlement with XX/XX/XXXX of last year. I requested that she close this out, and stop any collection activity, since we settled this last year. I'm currently awaiting a response. 

This is the XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

This dispute addresses multiple inaccuracies on my XXXX, XXXX and XXXX credit report, specifically related to late payment reporting on several accounts, including XXXX XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX. Upon reviewing my credit history, I have identified errors where consecutive late payments have been reported inaccurately, unfairly impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX, XXXX and XXXX is required to investigate and correct any inaccuracies within 30 days. The continued reporting of these errors constitutes a violation of federal law and causes unjust harm to my financial standing. If XXXX does not take corrective action, I intend to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

As a resolution, I have requested that XXXX, XXXX and XXXX remove all improperly reported late payments, update my account history to reflect accurate information, and provide written confirmation of the corrections. This ensures that my credit report accurately represents my financial responsibility and complies with federal regulations. I have also provided supporting documentation, including payment records, to substantiate my claim. 

This dispute seeks a fair and timely resolution, ensuring that my credit report reflects accurate and lawful reporting.
Product: Mortgage

In XXXX we closed on a home using Prime Lending that had tax exemptions for XXXX or older and home stead. Prime lending sold us on a {$2400.00} mortgage payment with a 12 month total of approximately {$2400.00} of escrow going towards taxes and failed to notify us that a significant increase in taxes could occur due to the exemptions losing validity. As a result of this our taxes have increased by {$5000.00} in XXXX and created a significant shortage in escrow resulting in an {$800.00} increase in monthly mortgage payment to make up for the shortage in addition to standard increase in insurance. The total increased payment is almost {$1200.00} per month. A payment shock notice nor an opportunity to increase our input to escrow was presented at or prior to closing. For this reason we feel as if we were deceived with a lower payment when in reality the lender should have done the due diligence to at a minimum notify us of the potential for significant monthly payment increase. 

Since closing our mortgage has moved from Prime Lending to XXXX however we feel prime lending is responsible for the deception and poor practice since they worked the loan through closing. 

We now have a total shortage of {$9600.00} as a result of the shock increase in tax. {$3500.00} of the total is due to insurance reasons and not being considered as part of this complaint.