23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

About a week ago ( XXXX XXXX XXXX ), my phone number got hacked. My friend 's phone who had also gotten hacked and called my number ( I did not yet know at this time that his phone got hacked ) and immediately after I pick up, there is a silent call and after it hangs up my phone goes to SOS. I lost service thinking that I did not pay my phone bill, so I pay it and service still doesn't return. Turns out all of my accounts were hacked ; my email, my bank account, my XXXX account, my social medias, everything. On top of this, new accounts are made using my information on XXXX and XXXX, neither of which I had before linked to those emails and phone number. My bank account was drained entirely through these unauthorized transactions on XXXX and the hacker even tried to transfer more through XXXX on my XXXX account. After making many calls and checking XXXX login history, it is seen across my accounts that the account was accessed from another state using a different IP. They even link an unfamiliar XXXX XXXX to my XXXX and XXXXXXXX XXXX ( making it impossible to recover my XXXX XXXX ). Upon seeing all this, I opened a claim with my bank and they gave me a claim number. Several days pass and I return to the bank to receive status update on my claim. To my shock they don't even have my claim number and they couldn't even find my claim and say I will not receive any of the money that was stolen from my account. They even went so far to say that I had authorized the transactions which did not happen.
Product: Credit card or prepaid card

On XX/XX/2020 I authorized a charge to my Barclays Mastercard by Frontier Airlines in the amount of {$880.00} for two round trip air flight tickets from XXXX to XXXX XXXX to attend the XXXX XXXX. Our departing flight was scheduled for XX/XX/2020 and our return flight was scheduled for XX/XX/2020. Subsequent to the booking the XXXX XXXX was cancelled due to the Covid 19 virus, so I cancelled our flight reservations and attempted to obtain a refund for our flights with Frontier. I was unable to reach Frontier via phone as their lines were understandably constantly busy, and they offered via email only a credit that had to be used in a very limited timeframe, which we would be unable to use. On XX/XX/2020 I sent via certified mail a dispute letter to Barclays, requesting a reversal of the charge for {$880.00}. Approximately XX/XX/2020, I received a letter from Barclays, dated XX/XX/2020, beyond the 30 days allotted for their acknowledgement letter, stating they were looking into it with Frontier. On XX/XX/2020, I received a further letter from Barclays stating that the reversal of the charge was declined. No supporting documentation was provided by Barclays. I am requesting a reversal of this charge of {$880.00} due to Barclays failure to provide responses within the timeframe required, and for not providing any supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/2021.
Product: Debt collection

Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.
Product: Debt collection

A fraudulent account was created under my name with XXXX XXXX XXXX in XXXX XXXX XXXX which went to collections to XXXX XXXX XXXX. When this showed up in my credit report I disputed it, locked my credit profile, and the debt of {$280.00} was eventually removed from my credit report. Now it appears that the same debt is showing up under a different collections agency, Online Information Services, for the same account/ amount, with the same company XXXX XXXX XXXX XXXX which I have never used for any type of service as I do not live in Texas XXXX I have again disputed this with the credit bureaus and have submitted a dispute with Online Information Services and again with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been followig my credit score monthly for years. It has always remained XXXX since XX/XX/XXXX. I have been following it through XXXX XXXX XXXX. On XX/XX/XXXX, I checked my credit score after receiving a notification, and it had dropped from XXXX ( XXXX ) to XXXX. In an attempt to understand the very precipitous drop, I obtained credit reports from all 3 bureaus on XX/XX/XXXX - all indicating that i had exceptional payment history ( with no late payments ), with a credit utilization rate of <30 % on total credit and no recent inquiries, etc. I contacted XXXX on XX/XX/XXXX which was unable to inform me of why the sudden drop. I contacted XXXX  on XX/XX/XXXX but they were reporting that my credit was still XXXX on their website. I then contacted transunion- which informed that the likely reason my credit score had significantly decreased was due to my XXXX  loans ( XXXXDepartment of Education loans ). They stated that : " The balances on your accounts are high compared to the original loaned amounts, lowering your scores... the balance amount paid down on your open installment account is too low '' - TransUnion Credit Score & Analysis ( XX/XX/XXXX ) This is despite me being on a REPAYE plan by XXXX based on my income. After research, our concern is how the rollout of the CARES Act, suspending student loan repayments, might have been misreported by XXXX, leading to a negative event to credit bureaus, and subsequent unfair drops in credit scores ( as reported in Sass and Hounanian v. Great Lakes Education Loan Services, et al ). 

The only other concern they had was that one of the credit cards was utilizing >50 % of the credit utilization rate- but they did not believe this accounted for the significant XXXX point drop in my credit. Also, since XX/XX/XXXX when I saw the credit drop, we have paid a significant portion of that credit card off, as to remain <30 % utilization. 

We are in the process of applying for a XXXX  loan to buy our first house and, with no answers why from the credit bureaus, this has singificantly impacted the process.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

I am disputing the account with XXXX XXXX XXXX, account number XXXX, which has been reported on my credit report. I have taken XXXX  actions to resolve this matter, including : XXXX XXXX XXXX XXXX by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a XXXX  letter to XXXX XXXX XXXX, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from XXXX XXXX XXXX. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.
Product: Checking or savings account

Unable to open new account for SSI beneficiary XX/XX/2020. Literally all branches in zip XXXX were closed to branch traffic. This violates Federal Banking Regulations that protect consumers
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, EQUIFAX, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT PARK ROW APARTMENTS # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Citi Bank N.A, to XXXX, XXXX  and XXXX. I discovered 12 Errors on Each report. Which indicates that Citi Bank N.A. broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Citi Bank N.A. via Certified US Mail, inquiring about the loans reported to my XXXX and two letter XX/XX/2019inquiring about the loan on my XXXX. They responded XX/XX/2019 Informing me that there were three loans, ( XXXX, XXXX, and XXXX ) that they were responsible for reporting on. I myself only discovered two loans reported to XXXX  and XXXX. What and where did this loan third loan come from and what is the information on it. They seem to very secretive. I wrote XXXX and XXXX  but certified Us Mail With Retuned Receipts on XX/XX/2019. These accounts have been removed from my credit since they were brought and consolidated. They need to be held accountable for breaking the laws.
Product: Credit card

Over the course of the last year Capital One has reduced my credit due to not using the card enough even though I pay a {$95.00} a year fee to {$1000.00} from roughly {$10000.00}. Due to this reduction in credit, I have had to resort to paying my credit card off multiple times per month. I have done this over the past year and have used the same bank account which is attached to my capital one account. I have not been late on a payment in years. This month right before the XXXX season capital one restricted my account due to me paying the credit card off twice in a week. They are refusing to open my card back up for usage until I connect them with my bank and let them have access to my bank account in order to " verify, '' I have the funds to pay off the {$700.00} balance. This is after my payment already cleared and shows a balance of zero on my capital one card. I have verified this with my bank XXXXXXXX XXXX I spoke to my banker, and they have never heard of this and advised me to look further into the situation. Needless to say, with the credit reductions happening multiple times even though my credit is good, and I have no late payments Capital one has systematically reduced my credit and now has restricted my account. I personally feel like I'm being targeted and attacked by the credit card company and do not believe they have the ability to gain access to my bank account if I have done nothing wrong. The payments have not been late, and my income and credit are superb. I recently asked for a copy of the transcript of my conversations with the credit card company and I was denied access to those documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been discharged for over 7 years and should not be on my credit report any longer. Also, I pay all of my bills on time but there are XXXX collections that are very harmful to my rating. I paid over XXXX dollars to cover my deductible, co-pays and max yearly out of pocket, yet these collections are destroying my credit. Please look at my credit report and fix all of these areas. I can provide documentation supporting my claims. What is happening to me should be illegal if it isn't already. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from my bank about possible fraudulent charges on my debit card. I called my bank and discussed the charges in question. One of the charges seemed suspicious it was for {$9.00} to XXXX. The person I spoke to at the bank suggested I call XXXX customer service to see what the charge was for. I googled XXXX customer service and I found an XXXX website with a phone number. The phone number I called is XXXX. A man named XXXX XXXX answered the phone and said thank you for calling XXXX how can I help you?. I explain I may have fraudulent charges on my debit card and one of them was to XXXX and could he help me see what the charge is for. I explained that my debit card was linked to Venmo and PayPal. XXXX said he was a specialist for these apps and he was going to help me secure my accounts. XXXX told me I had to download a sharing app so he could get into my Venmo and PayPal accounts and look for fraudulent charges. I downloaded the app he suggested and XXXX took control of my phone-this did not seem unusual to me because my companies IT department does this all the time and I had been the one to call XXXX to XXXX for help. XXXX told me I had multiple charges showing as pending on my Venmo account. He said he was showing fraudulent bitcoin and crypto currency charges pending as well. He told me not to worry and he was going to clear these fraudulent charges. He asked me who I trusted that he could send a dummy transaction to in Venmo. I told him to use my husbands Venmo account He said this wasnt real currency being transferred he was just testing to see if he had fixed my account and making sure it was still active. XXXX then did what he called a dummy transfer for {$4500.00} to my husband. The balance didnt appear in my husbands Venmo acct I believe XXXX XXXX transferred it to his own account. He titled the initial transfer XXXX limits. He removed the amount in 2 transactions -one for {$2900.00} and one for {$1500.00}. He told me not to worry and this money would still be in my account-this was just a test dummy transaction. 
I removed my debit card from my Venmo account, on XX/XX/XXXX or XX/XX/XXXX because I thought it was best to get a new card just in case. I called my bank and cancelled my debit card. 
Monday morning I woke up and looked at my checking account and notice the Venmo payment of {$4500.00} had subtracted from my checking account and I knew at this point I had to contact my bank. I explained what happened to the assistant branch manager and she was able to transfer the money back into my checking because it was an authorized charge. The assistant branch manager also told me to call Venmo ( and paypal ) and explain what happened. I called Venmo when I left the bank on XX/XX/XXXX. I filed my case with them over the phone. My case ID is XXXX XXXX I received an email later in the day on XX/XX/XXXX telling me my case was denied and said based on review they found the transaction consistent with my payment history. 
Now Venmo wants me to pay the negative balance on my account. 
I called life lock to have the help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been working with XXXX in regard to clean up my credit report I'm a victim of identity theft I'm also having the same trouble with Equifax both these companies refusing to clean my credit even after proper documents have been provided to the company I currently have a dispute with your company consumer finance my number is XXXX-XXXX same information I faxed over today pertain 's to XXXX right now I'm asking this company to fix my credit XXXX XXXX last XXXX of social XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX
Product: Credit reporting

According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

a third-party collection agency is attempting to collect a debt that does not belong to me and is potential a result from identity theft. I have requested from the collection agency to provide me with a copy of the contract and all documents on file that verifies my identity such as proof that I provided a government issued driver 's license, social security card as well as my signed legal signature. None in which has been provided to certain that the claimed debt belongs to me. Instead, I was provided with a bill that does not validate claimed debt.
Product: Credit reporting or other personal consumer reports

Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https : XXXX, screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}
Product: Checking or savings account

Ref : XXXX XXXX XXXX XX/XX/XXXX I have called KeyBank to report fraud transactions. The two transactions were cash withdrawals from XXXX Bank in the amounts of XXXX on XX/XX/XXXX and another from XXXX bank XXXX on XX/XX/XXXX. I informed KeyBank that my whole wallet was stolen. KeyBank denied my claim due to an internal decision based off of IP address logins during the fraudulent transactions occurring. As well as other transactions that had occurred during the fraudulent activity had occurred. I reached out to XXXX bank on XX/XX/XXXX spoke to a rep in the fraud operations unit at XXXXXXXX XXXX The rep name was XXXX. He explained that a provisional credit would be issue either by the end of the business date of XX/XX/XXXX if not the credit would be issued XX/XX/XXXX for sure that it was noted on the account to be credited. When I called the second time on XX/XX/XXXX at XXXXXXXX XXXX eastern standard time spoke to XXXX XXXX in the fraud unit she had advise me that it was denied the claim she was unable to provide what information was used internal to denied the dispute. I requested for the bank to honor the credit due to an employee error. I also requested to capture a complain on my case to higher executive unit to review my issue. The bank has a lack of resources and communication among it internal staff to better help and resolve client issues. I really want KeyBank to help me gain back my money taken fraudulently.
Product: Credit card or prepaid card

On XXXX, Avant LLC charged the entire statement balance to my checking account without any correspondence or account statement after they had canceled my card without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX
Product: Debt collection

Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR. XXXXXXXX DEPT OF ED Please see comments. 
This account has never been in dispute. I never had problems paying and paid it off early.