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

I am writing to notify you that I am a victim of identity theft due to a data breach, which has resulted in several fraudulent accounts and unauthorized inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report.

Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because TransUnion is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. It is my right to get this account deleted from my report. This is affecting my financial and emotional life. 

TransUnion must stop reporting this account as soon as possible. Please see attached proof of case won.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, all have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.
Product: Money transfer, virtual currency, or money service

I was unable to access my Citibank savings account for several days due to an expired debit card ( XX/XX/2022 through XX/XX/2022 ). But I had never received a debit card from Citibank in the first place and didn't know I was supposed to have one. I had to request a new debit card be mailed and get the associated card numbers before I could log into my account. Then, I was unable to complete a wire transfer and still am unable to complete it. I am trying to transfer {$50000.00} to my lawyer in order to purchase a house. I continuously get an error on the website : " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' I called customer service and spoke to four different people, none of whom have been able to help me. They said the only thing I could do was wait until their system refreshes and the security flag is cleared. I have been waiting and trying hourly but am still getting the same error and can not access my funds.
Product: Money transfer, virtual currency, or money service

In a troubling turn of events, my husband has fallen victim to a sophisticated check fraud scheme, raising serious concerns about Chase Bank 's security protocols and their responsibility in safeguarding customer assets. 

The incident began when an insurance company ( XXXX XXXX ) issued a {$50000.00} check to the lawyer ( XXXX XXXX ) on behalf of my husband. The lawyer, acting in good faith, mailed the check to us. However, before the check could reach us ( intended recipient ), it was intercepted by an unknown party. The thief then altered the check and managed to cash it under his/her own name at a Chase Bank branch without any apparent verification of the identity of the individual cashing the check. 

Despite standard banking procedures that require thorough verification of the payee 's identity, the fraudulent check was processed, and the funds were handed over to the criminal. This breach highlights a significant lapse in Chase Bank 's security measures and poses a serious question about their commitment to protecting their customers from fraud. 

My husband & I are devastated by this experience. The check was intended to cover property damage, and now we are left without those funds due to the negligence of the bank. It is unacceptable that a reputable institution like Chase could allow such a blatant fraud to occur and not take responsibility and have us end up with this huge loss.
Product: Debt or credit management

I have been paying {$470.00} a month to the Law Offices of Derek Williams LLC ( formerly Infinite Law Group ) to help with debt I accrued, for the last 15 months. While with them, I have been sued ( they failed to appear in court ) and now have both a lien on my home and my entire paycheck has now been garnished as of today. I am out XXXX of dollars, and have only had one debt settled. I have begun handling all the repayments on my own, but am still out all of the money I have paid them, and am still waist deep in the debt they didn't help resolve. Their service is outright fraudulent.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My account was closed back in XXXX and was making payments through collection. I paid my account in full in XX/XX/XXXX. When I spoke to representative I asked for payoff amount and the balance was paid in full. I confirmed with representative that my balance was paid and no longer owed a balance to XXXX. My account was closed and I no longer had a balance as of XX/XX/XXXX. XXXX apparently did not include back interest when quoting me my payoff and I was completely unaware of anything owed because I was told my account was paid. XXXX continued to charge me and is now reporting 30+ days late on my credit report and a balance of {$48.00} which include 2 months of late fees. I have called in to XXXX XXXX department and the representative that I spoke with on XX/XX/XXXX confirmed that I paid my balance on XX/XX/XXXX and should not have kept getting charged and it was their mistake. All fees were waived by rep and my account balance now shows {$0.00}. Because I was under the assumption that my balance was paid in full and my account was closed there were no payments sent to XXXX. My score has now dropped 30+ points because of their deceptive practices. If I am requesting to pay off an account in full I should have gotten the complete payoff and if there was residual interest I should have been told by the representative that I would need to make a payment the following month. I am currently trying to buy a house and this has impacted my score negatively for something that was their error.
Product: Debt collection

XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$2.00} Balance MEADE AND ASSOCIATES XXXX, OH XXXX XXXX {$54.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Collection account Remarks Meade and Assc. have added debts to my credit report that have been paid and agreed to remove from my credit report. Aside from the above example from my XXXX there are XXXX closed collections that were to be removed from my credit report those debts do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is not mine on my Transunion that shows as a collection. When it is fact not mine. I never opened up this loan and I never received any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hard inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA dated XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX After contacting, I received no information or deletions from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened up an account with Crypto.com. They have different debit cards you can choose from, all having different requirements to receive their respective benefits. 

I accidentally chose the lower tier, blue card when I was actually attempting to choose the Ruby card where you had to stake {$400.00} worth of CRO, which is Crypto.com native token. 

Upon realizing my mistake, I immediately reached out to support to determine if I could eliminate the request and simply make another request for the Ruby card. The representative told me the only way to do this was to purchase the {$400.00} worth of CRO and have them " stake '' it for me without issue. 

I went ahead and did so, providing screenshots and evidence of the purchase. 24 hours later, I was notified that because there are market changes in price, that I would have to purchase the amount needed to bring the amount of value back to {$400.00}, because in the time it took for them to get back to me the market had shifted. Obviously, I know that there are market fluctuations. However, I was not told that if the market did indeed shift that I would then have to purchase more tokens. In the 24 hours it took for them to reach a conclusion, the market had shifted negatively. 

The lack of customer service and practicality is almost criminal in nature. There was no reason that they could not have simply understood it was a mistake from the outset and offered the ability to stake the funds normally again. Instead, they mislead me and then proceeded to a 24 hour turnaround time before letting me know what their " decision '' was. No one was going to win or lose anything by just making the situation resolved without asking me to spend money without being provided all info regarding the steps that would be taken to reach a potential resolution. 

If a company like Crypto.com ( sponsor of the XXXX ) is going to be acting recklessness and impractically like this, the public should be aware of it. I thank you in advanced for your prompt attention to a space that is clearly not all fun and games. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc
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/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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX : {$2800.00} 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

You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

U.S. Department of Education - {$1100.00} U.S. Department of Education - {$2000.00} XXXX LA XXXX NO BALANCE XXXX XXXX - {$200.00} XXXX XXXX XXXX - NO BALANCE XXXX XXXX - NO BALANCE Security Finance - {$380.00} XXXX XXXX XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$220.00} XXXX XXXX XXXX XXXX NO BALANCE XXXX XXXX XXXX - {$260.00} By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. I'm looking forward to the correction or removal of the following accounts ASAP. Thank you. 
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

This is my several requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma promised me money if i got denied for any credit card that i could've qualified for. Never got the money but they have all my information. Now I'm getting all kinds of spam mail I've never received before that's happening now. There were hard inquiries made on my account through them because of this.
Product: Debt collection

I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.