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

Im resubmitting 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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: Vehicle loan or lease

I made a payment of {$550.00} online on XX/XX/22 for my XXXX payment. I then made a payment on XX/XX/22 of {$550.00} online for my XXXX payment. When I received my XXXX statement it still showed a payment due for XX/XX/22. I called them and they said it was because I made the payment before the statement came out and they could fix it. When I checked today they changed the payment date from XX/XX/22 to XX/XX/22 so that I paid {$80.00} more in interest. I called them again and they are refusing to fix it. I can prove the dates the payments were made as they would have come out of my bank account the following day.
Product: Money transfers

I am a US citizen and I am currently in XXXX, XXXX XXXX. On XXXX XXXX, 2016, I had my sister to send me {$3500.00} via XXXX XXXX, which she was denied. She was told due to the high scams in XXXX she was not allowed to send me the funds. On XXXX XXXX, 2016, my sister went to Western Union ( WU ) to send me {$1500.00}. 
The money was sent, however, the money was intercepted by someone. She was told someone picked up the money in XXXX, XXXX at XXXX. This is impossible because banks do not open in XXXX until XXXX and these types of transaction are only conducted at banks. Not like in the US customers can go to service stations, retail stores and grocery stores to send money via WU, money gram and other entities. 
My sister filed a complaint, investigation reference number XXXX. WU informed her they will send the information to their agent in XXXX, XXXX XXXX to investigate and it will take 10-20 days to complete the investigation. WU asked her if she wanted the money refunded or resent. My sister informed WU she would speak with me first and get back with them. I instructed her to resend the money. Once she contacted WU and informed them to resend the money, she was told they could not resend the money until the investigation was over. 
My sister attempted to send money via WU to our nephew in XXXX, MO and WU blocked her from sending money within the US. My nephew in XXXX has sent me money on several occasions via WU without any problems. WU also prevented her from sending any more money to me here in XXXX. WU completed its investigation and informed my sister they were NOT refunding the money because " I '' picked up the money. This is an outrageous and outright LIE. 
I did not pick up any funds at XXXX in XXXX , XXXX as WU has alleged. As previously stated banks are not open at that time of morning in XXXX. The questions are who did WU give my money to ; who signed for my money, what identification was used to receive my money and most importantly what bank in XXXX, XXXX released the money? My sister has filed a police report concerning this matter and I have instructed her to contact her representatives of Texas and the FBI. 
WU have crossed the line, I do not appreciate being lied on, I am not a criminal or thief. I am a retired XXXX who has worked for the XXXX for 30 years. If scamming is going on it must be within WU. We have asked WU for all documents from their investigation in which my sister was informed she should receive them in 24 to 48 hours. 
WU has now told her she was misinformed, WU do not release their investigation documents, and she would have to file a subpoena to receive the documents. WU is giving her the run around concerning the address to send the subpoena for the documents. Your attention in this serious matter is greatly appreciated. Since I am currently out of the country I can be reached at my email address. 
Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that I had a fraudulent account on my credit report. This have been heard in my credit report. Am I ability to purchase a home at this time please fraudulent account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been constantly emailing this company since XXXX or XX/XX/2019 ... ... .each time I contact them I am given the run around. Its been 6 months already and I have provided them with every document they requested from me. This company is awful and is not doing the proper investigation in a timely matter. I have filed a police report and the bank account that was used has been closed. I went back to the police department because this company claimed they couldnt verify the police report was accurate.
Product: Checking or savings account

My Chime Credit Card had been taken and used and make purchases that I did not make on my credit card, they ere unauthorized transactions I reported it to the Chime member services hen it happen and they are refusing to refund and pay back the money that I didn't use on my account.
Product: Checking or savings account

I had filed a dispute for a charge of {$110.00}. Chime issued a provisional credit for the amount. On XX/XX/2022 I showed a debit for the same amount by the same company. Called chime and reported it. Nobody could give me an answer as to who, why or where this charge came from. This charge left my account negative. Today, I finally am told that that was supposed to be credit to my account and not a charge? I waz told they made a mistake. 

How do you mistake a credit from a debit? I don't need mistakes of {$110.00} being made with my money! I had payments bouncing and it causes many problems. 

This isn't the first time chime has screwed up my account. Something needs to be done to this place for what they do! 

I am now told that they will escalate this situation to get it straightened out. 

I've been told this since I first reported the problem on the XXXX!
Product: Credit reporting or other personal consumer reports

This message is to follow up regarding the ongoing presence of fraudulent items. As we enter the many attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

The persistent existence of fraudulent items not only undermines trust in our organization but also poses significant risks to our stakeholders and customers. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these fraudulent activities. 

Together, through collaborative efforts and decisive actions, we can overcome this challenge and ensure the integrity and security of our systems. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF ED/XXXX  XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6500.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I recovered a {$50.00} American Express XXXX XXXX for XXXX and I can not use it. Ive tried XXXX, XXXX and XXXX XXXX.
Product: Debt collection

Demand to Cease and Desist Collection ActivitiesPrior to Validation of Purported Debt XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I would like to request the suppression/ Delete of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 

XXXX 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 ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX  This constitutes legal notice under federal law that regulates the activities of collectionagencies and their representatives.You are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and allattempts to collect the above debt.Pursuant to the Fair Debt Collection Practices Act.

15 U.S.C.A 1601.1692 et al.

thisconstitutes timely written notice that, I decline to pay the attached erroneous purported debt whichis unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, onthe grounds of false representation and fraud. No judgment has been entered on this matter.15 U.S.C . 1692 ( e ) states that a " false, deceptive, and misleading representation, inconnection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt.Said Notice contains, false, deceptive and misleading representations, and allegationsintended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. Toact upon this Notice would divest me of my property and my prerogative rights, resulting in alegal injury to me.Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, if you have evidence to validateyour claim that the attached presentment does not constitute fraudulent misrepresentation and thatI owe this alleged disputed debt, this is a demand that, within 30 days, you provide such validationand supporting evidence to substantiate your claim. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

I received my XXXX XXXX statement that showed a {$290.00} penalty fee. In XXXX, I didn't receive any notification paperwork that the XXXX was up for renewal. When it was renewed, XXXX had assigned a low ball interest rate to it and was offering a much higher rate at a branch. I had them stop the XXXX  so we could create XXXX with a higher rate that was offered at a local XXXX XXXX. 

XXXX XXXX XXXXXXXX. My checking account ends in XXXX XXXXXXXX. XXXX ends in XXXX XXXX 

I was NEVER notified or told in either writing or verbally there would be a penalty for changing this XXXX  while this transaction was active. 

I am a XXXX XXXX XXXX senior with a XXXX and I am on a XXXX XXXX XXXX. This is elder abuse by low balling an automatic XXXX  renewal. 

I want the {$290.00} interest that I am entitled to returned to my account. The funds were with XXXX the entire time. 

I was on the phone with XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) with XXXX people who couldn't answer my questions or provide any answers on the best way to resolve this. When I asked to speak to superviser I was transferred into a queue that had a XXXX minute wait ; I was already on the phone with the XXXX people for close to XXXX minutes trying to get answers.
Product: Student loan

I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF
Product: Debt collection

Global Client Solutions is contacting me on my job when my employer strictly prohibits calls from debt collectors or third party entities. I have already warned them call my office, currently I am working with XXXX  to settle my debt.
Product: Credit card

JCMCB Card Services denied a Chase Sapphire card and sent me a denial letter. I did not apply for this card and transunion did a verification with them. They provided transunion my info with the phone number XXXX which is not my phone number and has never been. I called that number, its not a valid number. I can not get an accurate number for JCPMB that gets me to a representative to file a complaint. Its fraudulent, was not me and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Over the past several months ( XX/XX/XXXX to XX/XX/XXXX ) I have sent in dispute letters to Equifax, XXXX, XXXX  regarding XXXX XXXX XXXX XXXX account that is on my Equifax report. The most recent dispute I sent in was for inaccurate information to ALL 3 Credit Bureau 's. My reports show ALL inaccurate dates, balances, high balances, date of last/first delinquency, last payment, and estimated removal date of this account along with some other inaccurate information ( I will attach a copy for your viewing of this letter ). Each time this account is under dispute I only receive this account was verified, but No documentation from the 3B 's was provide in reference to whom he/she spoke with or any paperwork he/she received from this company. Or even how this account was verified, In fact each time this was disputed the dates on my report would change which were inaccurate. ( I also will provide my credit reports showing this inaccurate information ). Even after the most recent dispute I sent, it was completed still did not receive anything via US Mail, I only receive notification through my credit monitoring app that remarks had been added to my report. The information still shows as inaccurate on my Credit Report, to this very day. Equifax & XXXX  did not properly review this dispute, any other disputes I may have had with them would show up on MyEquifax.com or XXXXXXXX and show the dispute status along with an estimated turn around date when the dispute would be complete. Neither one DID NOT even show up as in dispute stage on my Equifax or XXXX  account online. XXXX  did notified me via email that my dispute was received and it was being processed. Yet still after a week the dispute was completed and information that was changed on my report and did not reflex what my previous report showed. Such as On Record until was changed, recent balance DATE was changed, and first reported was also changed on XXXX  by a 3 month timeframe. I have this right as a Consumer Under the Fair Credit Reporting Act ( FCRA ) to dispute this information, this also violates the provisions of the FCRA. This inaccurate information is also hurting my credit score, this account is also listed as a " Charge off ''. I have the items that are reported inaccurate highlighted on the attachments for your viewing. The disputes just keeps being updated, I have not received a dispute completed form for XXXX  since XXXX. So I have not received any from the disputes that have received. 

XXXX  has the following inaccurate info : HIGH BALANCE ( Amount & Dates ), DATE OF LAST PAYMENT Equifax has the following inaccurate info : DELINQUENCY OF FIRST DATE ( this date keeps changing ), CHARGE OFF AMOUNT or anything Highlighted. 

XXXX has the following inaccurate info : ON RECORDUNTIL, FIRST REPORTED, DATE OF STATUS, WRITTEN OFF AMOUNT, or anything Highlighted. 

Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I settled an account with Regional Acceptance third party collection agency XXXX. I spoke to Regional Acceptance to request them to update my credit report showing that the account has been settled. As of today it has been updated that I still owe a balance of XXXX after they agreed to settled for XXXX. I spoke to XXXX in the charge department who ensured me that they will fax me over proof that the descrepancy has been correct. As of today it has not and has caused me not to obtain a professional license. I would like the CFPB to investigate this matter with Regional Acceptance and their third party agency, XXXX.
Product: Debt collection

Ive tried telling them this was not mine due to identity theft, I have no knowledge of this or when so when this did appear on my credit report I asked if they can work with me or help me find the right source to remove this off my account. very rude, hung on me. forced me to try and pay a debt that was not mine.
Product: Vehicle loan or lease

I am XXXX XXXX Military and I leased a VW XXXX on XXXX XX/XX/XXXX. XXXX VW told me there was a XXXX update and they couldnt release the car until it was done. " it wouldn't be longer than XXXX weeks though ''. I made the first month payment when I leased the car, but by mid XXXX I had called multiple times wondering where the car was ... " Should be anytime '' was the first answer, then " probably within the first XXXX weeks of XXXX '' was the XXXX answer. XXXX VW told me to bring a copy of my bill into the dealership and they would cut a check and pay VW themselves. I brought a copy of the bill in XXXX, and thought the matter was settled. Then on Monday, XXXX XXXX when I called VW it said my bill was XXXX and I was over XXXX  days late. I paid my bill instantly, then I asked to speak to a customer service to explain the situation. The customer service agent was not helpful. I asked to call the dealership and we did a XXXX way call. The dealership admitted this was the policy, but then " it was too difficult to cut the checks '' so they told clients afterwards to pay the bill and the dealership would reimburse them. However, no one told me of this change. Regardless of the conversation the VW credit just repeated their boilerplate statement how it was my fault. XXXX VW admitted fault but that didnt sway VW Credit from still blaming me. My credit score has fallen from nearly XXXX to barely XXXX because of this XXXX. I was about to get pre-approved for a home but with the hit to my credit I now need to wait. TERRIBLE customer service, TERRIBLE POLICY. Oh and by the way, HOW IS IT EVEN LEGAL TO STILL CHARGE FOR A PRODUCT THAT HAS YET TO BE DELIVERED! I am considering legal action.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had made a few purchases at XXXX with my 5th/3rd debit card that showed cancelled but the transaction was still pending. 

They assured me that the money would go back on my card once the transaction was no longer pending. But the money is still not returned to my account. 

I filed a claim to get my money back but they say it may take 100 days! 

Claim # XXXX
Product: Credit card

This account was opened on XX/XX/2023. I received statements and immediately faxed and mailed every statement stating that this was not my Account, please forward to the Fraud Department and/or provide documentation to substantiate this account. I also filed a Dispute online on their website on XX/XX/2023. They never responded to that dispute. All they did was continue to send statements. They in turn sold the account. 
Now I have received 4 Fraud Letters and to contact the XXXX XXXX XXXX and to put a statement on my Reports.