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

I opened a Macy 's store card in XX/XX/XXXX I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. Macy 's account team did not help me as they kept me reverting back to some collections agencyMacy 's posted many months of late fees on top of the ~ {$110.00}. the late fees added by Macys, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. Macy 's horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with MAcy 's customer service then Citi Bank ( macy uses for their store Card ) and spent hundred of hours trying to resolve. Macy 's customer service has been giving me different numbers each time I call. I filed a fraud claim with Macy 's explaining that my card was stolen but no support came in from Macy 's at all. It's XX/XX/XXXX and I still do not have any support. Macy 's customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX Macy 's gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

Macys has harassed my XXXX  and XXXX  with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as Macy 's have constantly failed me and I and begging for relief.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC 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 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 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 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 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 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 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 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 Inquiry : 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 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

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer 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. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : THE XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX XXXX, XXXX. # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX, XXXX. # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened o XXXX  XXXX, XXXX Unauthorized Inquiries : A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following shows up on my report, XXXX, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/2020  but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information Syncb/tjx XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized XXXX XXXX account was fraudulently opened in my name. After an investigation, XXXX confirmed the account was opened fraudulently, closed the account, and removed the balance. They also notified the national credit bureaus to remove the account from my credit report. 

However, despite this confirmation, TransUnion continues to report the account with negative remarks such as " charged off '' and " account closed by credit grantor. '' I have disputed this multiple times with TransUnion, providing them with documentation, including the official fraud confirmation letter from XXXX. Despite my efforts, the account remains on my report, negatively impacting my credit. 

Attached is the letter from XXXX confirming the fraud and their request to remove it from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan opened in my name that I did not open. I am assuming my identity was stolen. The collection date is XX/XX/2019 2019
Product: Debt collection

Notice of Dispute. 
On XXXX Midland Credit Management defamed my character, slandered my Credit and Invaded my Privacy to all the main Credit reporting agencies and several of the junior credit reporting agencies. I don't have a contract with this company, nor do I owe them any alleged debt they claim to be owed. I have been injured by this company and demand full redress from this unlawful act.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was issued from my title company via check in the amount of {$8400.00} to Macy 's Credit Card services. The check was to pay-off my account balance from a refinance on my home. Macy 's received the check and posted it ( cashed it ) on XX/XX/XXXX. The money never was posted to my account. After calling Macy 's customer service they can not find my money. Macy 's misappropriated the payment. I provided them a copy of the transaction from the bank to confirm the payment belonged to me with my account number and filed a dispute with Macy 's. To this date, XX/XX/XXXX, no one will provide me any information. They only say that it is being investigated and can take 30 days or longer! I have asked them to credit my account for the amount I paid. I can never speak to a manager, no one provides me any information! PLEASE, I NEED HELP with this issue. This is a lot of money!
Product: Mortgage

I have two issues : 1. Mortgage company has not provided a statement for 2 months. I have not received a required periodic statement for 2 billing cycles. The statements are also not available online.

2. Mortgage company does not apply payments timely, and I am concerned they are overcharging interest because of this. Almost every single payment I have made has been received timely by my mortgage company, but not promptly applied. My payments are put into 'unapplied funds ' or 'in suspension ' and not applied until weeks after they are received. This means extra interest is charged, because my principle payments are not applied upon receipt. It may not be much money per person, but it is still stealing, and it nay add up to a lot if they are stealing from many customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are nit mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX   XXXX {$18000.00} XXXX XXXX  XXXX {$25000.00} XXXX XXXX   XXXX {$3400.00}
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect and false information on an account that is currently charged. The account with XXXX shows charged off on XX/XX/XXXX and that is incorrect and should report XX/XX/XXXX. I have contacted the FTC, Attorney if need to be for them to remove or correct the incorrect data.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX  XXXX. XXXX BALANCED {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Sending money via XXXX with no explanation or disclosure regarding confirming recipient and money not arriving on other end
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

SEVERAL ACCOUNTS THAT ARE ON MY REPORTS THAT ARE FRADULENT
Product: Checking or savings account

I found out after attempting to open an account for my family trust that someone also opened a fraudulent account in my name with XXXX. The account according to Chexsystems have a balance of {$4000.00} in which I had nothing to do with. I've been overwhelmed in my attempt to rectify this with Chexsystems, I've sent chexsystems numerous reports proving that I had gotten the Police involved as well. My identity was compromised and chexsystems have not taken the steps to remove this fraudulent account despite me showing them that I did NOT open this account. I've taken extensive measures for this account to be removed and have been compliant with the lawful requirements in order to obtain the full lawful remedy that is available to identity theft and fraud victims. The address, phone number, etc, associated with the account is inaccurate and have never been my personal information. Please fix this and remove this fraudulent account from my chexsystems report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}
Product: Credit reporting or other personal consumer reports

I have inaccurate information as being reported to the credit bureaus such as accounts that were not created by me old addresses, old phone numbers and aliases that I do not use or no longer have. Im experiencing a hardship in life right now and having to write marks and information on my credit is impacting me very much, Im asking to have these accounts that are fraudulent and all the incorrect information being reported to the bureau removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a bill in XXXX forcing us to pay an extra {$830.00} that we was not made aware of as this was not part of our monthly payment obligation when we lease the vehicle in XXXX. As a result of this additional amount has put our account in delinquent status. We have always made our payment since XXXX on time. KIA Finance could not fully explain why we received a bill in XXXX as we did not receive any notice in XXXX or XXXX. This has caused a major headache and impact to our credit rating. When we lease the vehicle in XXXX, no one ever informed us that this would occur.
Product: Debt collection

I've repeatedly told company and showed proof that this was identity theft and its not my debt. They are trying to force me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a thief : ( 1 ) fraudulently accessed my Wells Fargo online accounts by using an unauthorized and unknown device, ( 2 ) enrolled my account into online wire transfers, and ( 3 ) fraudulently transferred by wire all of the available money from each account ( checking, savings and brokerage ), {$22000.00} in total. More specifically, once the thief accessed my online account, the thief made an unauthorized electronic fund transfer in the amount of {$9000.00} from my brokerage account to my checking account. Then, the thief fraudulently transferred by wire the {$9000.00} to another bank. The thief also made an unauthorized electronic fund transfer from my savings to my checking and then fraudulently transferred by wire the entire balance of {$13000.00}. This fraud was reported in real time to Wells Fargo, by both myself and my wife, within minutes of the fraudulent transactions. Despite real time notice of the fraud, Wells Fargo failed to : ( 1 ) recover the fraudulent transfers ; ( 2 ) failed to conduct an adequate investigation ; ( 3 ) failed to have adequate safeguards to identify, monitor and detect fraud despite its commitment to do so ; ( 4 ) open a Regulation E investigation despite its legal requirement to do so. Instead of complying with its legal duties, Wells Fargo simply blamed me without any adequate investigation and declined to return the stolen {$22000.00}. Please see that attached letter to Wells Fargo which goes into more detail.
Product: Credit reporting or other personal consumer reports

Requested information freeze to protect from unwanted inquiries, improper use of my information, etc. Inaccurate information reporting.