23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

That company is called National Credit system. They have put a collection in my name and the amount almost getting into {$6000.00}. I have been in contact with this company for almost a year now I have provided documentation to prove that this is an identity theft I have been a victim of identity theft, but this company still insist I am the owner of this amount which is false based on the documentation I have given them. I have another amount almost {$12000.00}. I just fought with the collection company for this amount to be taken off my credit this National Credit system in for greed, and dont want to help anybody. Im at the verge of being XXXX, they are to do investigation you call them. They tell you to call back in XXXX month or XXXX months. I am sitting here in my bed. Dont know what to do because I have XXXX little children due to identity theft I am almost about to be XXXX please I need help. I am a citizen of this country. I work hard. I am a XXXX. I help people. I have a good job, but I can not get a place to rent because of identity theft and National Credit system is failing to do their work.
Product: Credit reporting or other personal consumer reports

I notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. experian and transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. XXXX XXXX XXXX, XXXX  FINANCIAL, XXXX  XXXX, XXXX
Product: Credit card or prepaid card

XXXX is withholding ACH deposits due to a supposed glitch in their system, there are thousands of people who worked hard for their money and are not receiving their paychecks, myself included. This has been going on since Friday XX/XX/2018 with no timeframe in sight as to when we will receive our money. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX.. DOB is XXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a medical debt in the mail that was not mine. I wrote the collection agency Grant & Weber, to inform them the debt was n't mine and I was a victim of identity theft. They never responded to my request or even replied " and again I disputed the debt because it was n't mine and was a result of ID Theft. 

This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt nor did they reply to my dispute as law directs them to do so. 

I applied for a credit loan and was denied due to their frauudlent reporting. 

I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional credit. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
This a defamation of my character, malicious intent and a violation of my FDCPA, CA Rosenthal Act and California Identity Theft Act
Product: Mortgage

I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to  XXXX  in  XXXX    XXXX  . I spoke with the account  specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.
Product: Credit card

I recived a letter from XXXX XXXX XXXX ( Office of the President ) XXXX XXXX, 2016 about an unathorized rebill on my account. In the letter, she refused to help me. She claimed that I could call to have questions answered. I have called repeatedly and have not been assisted. I have tried to leave messages. I have sent her a letter asking for a call. This is a fraudulent rebill.
Product: Credit card or prepaid card

Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17
Product: Checking or savings account

My husband and I both had checking accounts with BBT ( branch banking and Trust ) now known as Truist. I noticed that for both checking accounts {$30.00} was deducted each month, totally $ XXXX  monthly since XXXX. Apparently the bank had signed us up for accounts that require $ XXXX minimum balance. We have NEVER had that amount in our checking accounts. Once we refinanced in XXXX, the bank started charging us as we no longer had a mortgage with the account. Neither of us noticed this charge as the amount was so small each month and it was listed as " maintenance fee '' online. We both assumed if was for our son 's apartment at school. Truist calls me weekly to offer new products and not once were we informed about this fee. 

We met with branch manager XXXX XXXX on XX/XX/XXXX. We requested an investigation and he stated he would have to file it on our behalf and someone would reach out to us within a week. I have been emailing XXXX weekly and have yet to hear back from someone at the complaint department. 

When we met with XXXX on XX/XX/XXXX, he informed us the type of checking account we had that charges the XXXX XXXX monthly maintenance fee is no longer being used by Truist. We have concerns if that is true, then why were we still be charged monthly for an account they no longer utilize. It is very shady practice. I am sure we aren't the only people who are being charged and have no idea.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit card or prepaid card

In mid-XXXX, XXXX, after conducting significant research, I applied for and was approved for an American Express ( AMEX ) Everyday card with a {$36000.00} credit limit. I chose this card because of 2 advertised provisions - 1. {$150.00} rebate after spending {$1000.00} ( not at issue at this time ) and the ability to balance transfer with no fee and no interest until XXXX, XXXX ( this is the provision at issue ). There was no indication that the transfer amount was limited to a dollar figure, but rather depended upon a review of relevant credit-worthy factors. It was the key provision I relied upon in securing the card. 

On XX/XX/XXXX, I contacted AMEX, to begin the process of transferring a balance. I had hoped to transfer @ {$35000.00}, but was told that my limit was {$7500.00}, based on a policy that was in effect until XX/XX/XXXX, but was changed as of that date. I eventually spoke/chatted with 4 separate AMEX employees and none could show me on their website or in the material they sent me notifying approval of any mention of a {$7500.00} limit. In fact, 2 acknowledged that the policy starting XX/XX/XXXX was in fact the same policy I relied on, that is - that any transfer amount would not be capped by an arbitrary number but by an analysis of my credit worthiness. I will provide the photos of the relevant portions of website and docs received from AMEX. 

In the best light for AMEX, they made a mistake by advertising a balance transfer policy that did not take effect until XX/XX/XXXX. To me, this is a classic Bait and Switch - Induce a financial decision based upon a promise that they never intended to comply with.
Product: Credit card

In the month of XXXX, my XXXX card provider stated that my credit card was max out. When I checked, I found that it was unauthorized used successively by out of state merchant. I told Citibank that it was fraud but no response and with follow up calls, they said iI have to pay for the amount first, and I have to go after the merchant to pay back to Citibank, then the XXXX will credit back to me. I contacted the mrechant who stated it was a mistake but till date I am still responsible for this fraudulent charges as well as the accrued interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a inaccurate account for {$1000.00} which isn't my account it's reporting on Equifiax it must be deleted enclosed here is a copy of a police report that hasn't proven this is fraud.
Product: Checking or savings account

Respected Team, I have an issue with wise bank. issue details are as per below in the followings I am unable to reset my password I dont know what is the reason that my account is not showing to log in although I have entered the all details correctly I have provided the all data which was needed by wise team Furthermore, I am requesting kindly review my case and give m opportunity to provide me all the record to rectify my account. otherwise, if you will not support me positively and will be remained silent ..... I will approach to other institutions to highlight my case, because I am at right page, thanks Wise Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times with Equifax to get them to correct information on my report due to XXXX XXXX and despite all efforts Equifax still states that I need a victim determination document despite me sending them documents from numerous federal and state governments.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) credit reporting agency , 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.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO EXPERIAN credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 2 credit cards, 3 auto loan accounts, and 4 hard inquiries : XXXX  XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above with late payments and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I was approached and had my phone taken by 3 men who started CashApp multiple transactions to XXXX XXXX and XXXX XXXX for a total of {$1800.00}. By the time Id gotten my phone back the transactions hadnt been completed so I immediately reported the issue to CashApp. Instead of preventing the transactions they authorized them and allowed them to go through. I brought the issue to my bank who brought it to XXXX and gave me temporary credit. Upon XXXX investigation and communication with CashApp they were told by CashApp Id given clearance. But I have photo evidence that was not the case. The bank took the credit back and then some to cover deficit funds leaving me nearly penniless.
Product: Debt collection

Fraudulent Bills from beginning to end, Fraud, HIPPA, Privacy, Criminal Mischief Cease financial harm on purpose, it costed be about {$4000.00} to pay credit repair services to fix this, they hire XXXX  like XXXX XXXX who act like they are jealous of XXXX XXXX, all parties should make apology letter. My legal secretary will be calling and transcribe their inconsistency. Make them report full names, and social security because they all have Mr. XXXX Social Security Number and they will never respect privacy. 

Look at The Bills Attached Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , La . XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 removing 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.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Your failure to mark this account as disputed within the required XXXX period violates 15 U.S. Code 1681s-2, which outlines the responsibilities of information furnishers to consumer reporting agencies. This oversight constitutes a breach of the provision.
Product: Credit reporting

This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing XXXX XXXX day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XX/XX/XXXX and was informed by them that these late were not verifiable and no longer on record an that the bureaus will remove the account completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance XXXX {$640.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6900.00}
Product: Credit card

I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately & incorrectly on my report. I have the same account reporting as PAID with no balance and positively however they have reported a DUPLICATE account that is reporting with balance & charged off. This account is severely impacting my scores and needs to be removed as soon as possible. 

I have reached out to the bureaus & creditors MANY times but have reached no resolution. They are violating my rights under the FCRA. And definitely adding up to the burden of the COVID 19 pandemic to my life. I feel disheartened knowing that I have been trying to resolve this and get no resolution at all, Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called XXXX saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.
Product: Vehicle loan or lease

I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). 

All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. 

The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? 

The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. 

I am attaching a copy of the letter from XXXX XXXX.