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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$58.00} XXXX  XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$56.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

! 5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit card or prepaid card

Citibank-I have several cards with this bank-Recently they have attached with my invoice that they are increasing my current interest rates ( old customer ) from XXXX percent to XXXX a XXXX percent increase which I feel is excessive-They claim they do credit reviews and that is the reason-Totally bogus reason! was based on this. # 1 I have an excellent credit report-Credit score is XXXX and I only use XXXX percent of my total available credit.Never late so exactly what kind of client are thy looking for if not a good one.My other cards with the same bank have also increased but different amounts all together.If it were about the prime rate plus why is the same bank charges different rates on different cards? 
My answer to this is that because I pay my balances in full they are penalizing me because I don't give them any interest money. 
These banks are preying on people with balances and using the market as an excuse to get additional monies. Really shameful. 
Comes XXXX when these increases become effective they are about to loose a XXXX + year client.
Product: Debt collection

There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States that I have a right to privacy.

15.U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Contacted Bayview Loan Servicing, my mortgage lender on XX/XX/XXXX or XX/XX/XXXX to request a 12 mos payment history. Rep advised me it would take 48 hours. It was right before XXXX XXXX weekend so I expected it may not be done till Monday or Tuesday. I called in on XX/XX/XXXX and was advised by the rep that it would be available on the client portal XX/XX/XXXX. It is not and I have called in 4 times and been put on hold and hung up on. 

My financial adviser needs a copy of it for a refinance and I have a limited number of days on the rate lock.
Product: Credit card

I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that 's how the interest rate was, that 's more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System reported an account that belonged to someone that with a similar name that does not belong to me. I have never lived at this property called " XXXX XXXX XXXX XXXX XXXX  '' in XXXX, Texas and I have never signed a joint contract with XXXX XXXX ( I've never heard of that name before and it is not even closed to my wife 's name ). 

I have tax records and a lease contract copy that proofs I was living in a different state at the time. 

I disputed with XXXX last year and they removed from my report but now this collection is showing in my XXXX credit report. I disputed with XXXX but they came up with the resolution below : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I demand that this account be removed from my XXXX  credit report immediately.
Product: Payday loan, title loan, or personal loan

I have attempted to dispute this debt on multiple occasions, dating back to 2018. This account was sent to a collection agency, XXXX XXXX. Each time XXXX  refused to remove the information from all credit reports and provide sufficient proof the debt was owed. I have since learned there has been a data breach of my information by XXXX  XXXX  including my highly sensitive social security number which opens me up to a realm of identity theft.
Product: Credit reporting or other personal consumer reports

There was a freeze on my account, and I did not authorize, and then the freeze was took off my account without me, knowing or my knowledge and the report that I reported when I talk to some of the companies, some of the companies does not do hard inquiries, and they told me to report it fraud when it was not fraudand is still out and will not be removed and when they took the freeze off my report, but without me, knowing all of these business was doing hard inquiries on my report and they still havent fixed it
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX send me a PDF format file regarding a complaint true the CFPB portal ( see Attachment ) and in this letter they stated clearly they bought the account # XXXX from XXXX XXXX  and stated the follow paragraph in the letter, " With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, however, the Current Owner is not reporting the Account to the credit bureaus '' ( see attachment letter ) .... 

Experian in their own portal inform me they had updated the status of this account and the validate the account under XXXX XXXX with a Balance of {$1700.00} .... ( SEE ATTCHMENT ) 1. HOW TWO CAMPANIES CAN HAVE THE SAME ACCOUNT IN THEIR HANDS WITH THE SAME BALANCE????

2. WHAT METHODE DID EXPERIAN USE TO VALIDATE THIS ACCOUNT STILL UNDER THE NAME OF UPSTART AND WHERE ARE THE DOCUMENTS OF THIS VALIDATION??.

3. I REQUESTED SIGNED DOCUMENTATION AND BILLS FROM ALL COMPANIES AND ALL FAIL TO PROVIDE THE REQUESTED DOCUMENTS
Product: Checking or savings account

Charged numerous overdraft fees Wells Fargo was manipulating dates to charge fees and also charged an overdraft fee on a transfer of funds between my two checking accounts with them. I called and they Claims I didnt have the money to transfer. Which if I didnt, I wouldnt have been able to transfer the funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX appeared on my credit report as an inquiry on XXXX, Immediately calling them, I was advised that there is an account In my name with an active balance. I asked to have the account closed and marked as fraud and was advised that literature will be sent to me in the mail, I provided them with my address, as of yet I have not received anything from this company and they will not assist with rectification. I am unsure of how to prevent my credit from being damaged. The company name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, Experian, XXXX and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High.

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.
Product: Debt collection

I believe that I am the victim of a scam or at the very least my rights pertaining to a past due debt. I reached out to Credit Bureau  Systems  on  XXXX / XXXX /  XXXX  . I was trying to make payment on a  XXXX -old   XXXX   XXXX   with  XXXX   XXXX   XXXX  that totaled {$1000.00}. I wrongly assumed had been covered by the hospitals   XXXX   XXXX   department as I was unemployed, a full-time  XXXX , and   XXXX   XXXX   at the time of the service. I spoke to someone who was extraordinarily forceful and threatened me with legal action time and again. We could not come to a payment arrangement as she wanted me to make the payment in full. I was and still am not able to make a one-time payoff. I repeatedly asked to be able to pay a portion of it and at first she talked in circles then she agreed to let me make a payment, then she told me that she would mail me the information that I needed to make the payment ( password, pin, etc ). The first week of  XXXX  I received a letter from a law office regarding said debt. Now I not only owe the amount due but also the legal fees which total {$120.00}. I feel that CBS violated the law by not providing me with information that I asked for and that they agreed to send me, on   XXXX   XXXX  . For what I understand I should have received something from them within one week of our conversation, I did not receive anything. They claim to record every single phone call so record of these events should be attainable. I feel like I am being taken advantage of. Please advise me on how to handle this without obtaining further charges and overwhelming frustration. I am still a low income,   XXXX   XXXX  . I have full-time job but my net income is only {$25000.00}, this amount is barely enough for me to make my ends meet as it is. I am doing my best to correct my past and protect my future. Looking forward to hearing back from you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is not reporting that my accounts are all paid in full. I have three cards. One is with Victoria Secret, one is with XXXX and the other is with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inuaccrate information on ACCOUNT MANAGEMENT SER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I have not received any bills and do not know what this collection is for. It just showed up on my credit as a collection. It is for {$360.00} from Asset Care LLC. Opened XXXX XXXX 2022. No phone number for them is provided, only an address. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
It is not fair that this can ruin my credit score and I dont know what it is for and have never received bills or calls.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my profound frustration and concern regarding the continued presence of fraudulent items on my credit report, which is maintained by Credit Bureaus. Despite my persistent efforts to address and rectify these inaccuracies, they persist on my report, significantly impacting my financial well-being. 

The fraudulent items in question include [ describe the nature of the fraudulent items, such as unauthorized accounts, inquiries, or transactions ], and they have been erroneously reported on my credit file. I have attached copies of supporting documents, including [ include copies of any evidence you have, such as identity theft reports, dispute correspondence, and any other relevant documentation, to substantiate my claims and provide proof of the fraudulent nature of these entries. 

I have diligently followed the appropriate procedures to dispute these fraudulent items with your bureau and have provided all necessary documentation to support the legitimacy of my claims. However, to my dismay, these fraudulent entries continue to tarnish my credit report, affecting my credit score and causing me financial distress.

I kindly request that you take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough and comprehensive investigation into the fraudulent items listed on my credit report, verifying their inaccuracy and fraudulent nature. 

Promptly remove all fraudulent items from my credit report to restore its accuracy and integrity. 

Implement robust security measures to prevent the recurrence of fraudulent entries on my credit report and protect my credit information from further misuse. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of maintaining a precise and reliable credit report for financial stability and trust in the credit reporting system. Therefore, I request your immediate attention and timely resolution of this matter. 

I appreciate your prompt attention to this serious issue and your commitment to resolving it to my satisfaction. I look forward to the swift removal of these fraudulent items from my credit report and the restoration of my financial integrity. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
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 ). Specially, 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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am filing this complaint after attempting to resolve this issue with customer service on multiple attempts, and an unanswered XXXX XXXX XXXX complaint. 

On XXXX XXXX XXXX, I received a special offer with a code to open a Wells Fargo checking account, and receive a {$200.00} bonus after {$1000.00} in total direct deposits within the first 90 days. After 90 days, Wells Fargo promised to deposit the bonus within 30 days. I met the conditions, and received an email after opening my account that I qualified for the {$200.00} bonus once I met the direct deposit requirement. On XX/XX/XXXX, I filed a XXXX  complaint, but Wells Fargo hasnt responded with a resolution. Instead, I received a letter in the mail stating that they would resolve the issue within 10 days. That has passed as of today. 

My conversations with customer service at the end of XXXX ended with me being told to give it a few extra days because of the holidays or call us back. On XX/XX/XXXXXXXX XXXX XXXX I again reached out to customer service, and was told that any account bonuses are handled by branches - even though I opened my account online.
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.