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

I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report that have resulted from a recent data breach, in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.
Product: Credit card or prepaid card

Sometime in the middle of XX/XX/XXXX, I, XXXX XXXX, got a letter from Chase, stating that my card was shut down, since they have information that it was lost. I informed my wife that to use different credit cards, because Chase Freedom Card was deactivated. While using other cards, I was waiting to receive a new Chase card, but never got one, which I didnt pay attention to. I just asked to have a transaction approved by XXXX, which was used prior to closure, but charged only when shipped. 
Over a month later, I saw a balance on the card that I have not used in a while and was deactivated, as per Chase Bank. I contacted fraud department and had charges removed. Another month later I received a call from Chase fraud department and told since I have used those merchants in the past they verified my signature and putting back the charges on my card. 
I am pretty sure that I do NOT have split XXXX XXXX and never signed for those charges. I asked a simple request ; please send me the images of the signatures on those receipts. A month later, 7 to 10 phone calls to fraud department, 12-15 phone calls to corporate office, I was told that I have never requested those images. Chase has recording of my conversations, as do I, requesting the images, but they refuse to provide them and stole {$2200.00} from me. 
I would take them to small claim court, but I dont have free time between my job and my family, and I dont want to gift them over $ XXXX Please see the list of transactions below. 

Thank youXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX a purchase of a XXXX XXXX was made by XXXX XXXX on Amazon with his Amazon store card owned by Synchrony bank in the amount of {$970.00}. 

On or about XX/XX/XXXX Amazon then delivered a product not matching the description of the product ordered. The picture of the product didn't match, nor did the stated features. Shipment was rejected and not accepted by XXXX XXXX upon inspection that same day. Proof of non acceptance attached. 

On or about XX/XX/XXXX Seller of Amazon offered a {$50.00} discount to resolve the non acceptance/wrong item. 

On or about XX/XX/XXXX Amazon picked up the item and stated they received the item and would processed the refund in 3-5 business days. 
Proof of Amazon stating they received the goods attached* On or about XX/XX/XXXX XXXX XXXX XXXX a dispute with Synchrony Credit per their guidelines pertaining to the XXXX XXXX 

On or about XX/XX/XXXX Synchrony Credit sided with Amazon due to Amazon making fraudulent statements in their rebuttal which can be disputed with proof. 
Amazon lied and stated that we never rejected the shipment.

However, since Amazon owns Synchrony bank no fair consideration was given to factual proof.
Product: Checking or savings account

On XX/XX/2021 I filed two unauthorized transactions reports totaling to XXXX.I was told my banco popular that it takes 10 working days to recieve the provisional credit and that both of my disputes qualify for the credit.After 10 working days on XXXX XXXX I called banco popular customer service and as speaking to a representative I was informed that the bank made an supposedly error when I filed my report and yesterday when the 10 day finished to give me my credit they said they fixed the problem and I have to wait another 10 working days which when including the weekend is almost 15 days ( half a month ) and that it is not guaranteed that they will give me a credit.This bank lies and does many illegal practices to there customers here in Puerto Rico all the time.Ive called over 50 times within the 1 year that I've had my bank account to complain about different illegal stuff the bank does and the horrible customer service representatives it has that argue curse and hang up on people.this is constantly happening and needs to be stopped.Please investigate this banks practicing and the horrible customer service agents they have who treat the customers badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital end of XX/XX/XXXX thru mid XX/XX/XXXX And XXXX XXXXXXXXXXXX XXXX XXXX with is XXXX XXXX XXXX. I also use a service they offer Called stand by cash and I have since they started it. It lets you borrow money and pay it back over 3 months. I have had 3 Checking accounts and 2 savings accounts with XXXX during the whole time I have used the standby cash feature. I only qualify based off of 1 of the 3 of my Checking accounts.

When I was in the hospital with XXXX  I couldn't do much or was I coherent very much .But Still out of all of my 19 credit cards, car loan, 3 personal loans, stand by cash loan, cell phone bills, insurance bills ect. The standby cash loan is the only thing I recieved a late payment from.

As I said I only qualify with 1 of my 5 accounts with XXXX. If I closed that account and kept the other 4 I would no longer be able to use it but I can deposit it in any of my accounts and also repay it from any of the accounts. The account that I qualify with always has a few XXXX dollars in it plus the linked savings account had around {$30000.00} in it at the time. But they tried to pull the monthly payment from one of my other accounts that did not have enough in it and this is how the late payment came about. But if it would have pulled from the account it's paired with it would have been paid. Even so on 3 other occasions XXXX has took money from 1 account for another if it was negative or something. I wrote a letter by Email to XXXX XXXX on XX/XX/XXXX, seeing about getting the late payment updated to paid as agreed or removed. I got a reply on XX/XX/XXXX from a customer advocacy response person saying they would look into it and I never heard back. In my letter I had I had stated that under codes 15 USC 1666 & 15 USC 1637 that a statement is due 21 days before the payment is due and they have only ever sent out a 5 day reminder. If a 21 day would have been sent out then things could have worked out differently. I don't remember much of XXXX or XXXX but It could have maybe reminded me before I got sick and became incoherent enough even before I was admitted into the hospital. 
On another part They have changed rules & maximum amounts around multiple times since they started this service and every time they have lowered the max amount my credit score would take a hit because the amount i owed then would end up at the top or above what they changed the new limit to then making the utilization on that account be at a 100 % or over the limit. 
But my efforts trying to get there help to straighten it out didn't work. I have the documentation of what I sent to them and I also the letter they sent back saying they would look into it and get back to me. Like I said that was XX/XX/XXXX and we are now end of XX/XX/XXXX and it's still on my XXXX, Equifax & XXXX credit reports drastically hurting my score I would just like to finally have it fixed to paid as agreed never late or removed completely from my credit reports Thank you for your time
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX BALANCE {$8400.00}
Product: Credit card or prepaid card

XXXX cash advances were made on XX/XX/2022 to my Citi XXXX XXXX, both to XXXX, XXXX for {$550.00}, the other for {$740.00}. I did not authorize either charge and immediately called Citi. I told them that my computer was hacked on XX/XX/2022, taken over by scammers, there was possible identity theft, and my credit card information was obtained directly from my XXXX account, where it was stored. Citi told me that the charges and fees would be deducted, and I then paid the amount shown on my XXXX statement minus the fraudulent charges and fees. I canceled my Citi XXXX, my XXXX XXXX XXXX XXXXXXXX card, and my Macys card. Because of the possible identity theft I notified Social Security, the FTC, the XXXX XXXX XXXX and froze my credit at XXXX, XXXX and XXXX, My XXXX, 2022 Citi statement showed that the charges and fees had been reversed. 
When checking my Account Summary online on XXXX XXXX I saw a pending charge for an unauthorized cash advance of {$64.00}. I called Citi and was told that the charges were related to the XXXX cash advances that were placed back on my account. I asked for a supervisor and spoke to XXXX XXXX, a XXXX XXXX XXXX at XXXX. After explaining that the scammers had obtained my Citi account information directly from my credit card account information stored at XXXX she assured me that the charges would be reversed. I received a letter, dated XX/XX/2022 saying the dispute has been closed and the charges would be rebilled to my account. I again called the fraud department at Cit and was advised to send a letter asking them to re-open the case. The letter is in the mail, addressed to XXXX XXXX XXXX in XXXX XXXX, SD XXXX. 
Citi is basically calling me a liar and I want to alert the CFPB to this issue in the event that Citi fails to reverse the charges and associated fees and interest as required by law.
Product: Checking or savings account

I received an email at XXXX today saying if I do not call my account will be shut down because its under suspicion. I called at XXXX asking why my account is under investigation and was given no reason. I drove to the branch. I was there for over two hours. We finally got some clarity. Its because XX/XX/XXXX my email address for my personal and business account did not match for a XXXX I received from my boyfriend. Why would they match? Its XXXX  different accounts one is personal, one is business. Ive been asked why I received a XXXX, first of all it none of their business and its because Im allowed to receive money from my boyfriend to purchase a home. The money is in my business account are from my business and my credit card processor deposits money almost daily. I dont understand how theyre even legally allowed to just shut down your accounts with no good reason. 

Nobodys giving me a timeframe on when the money will be released, the lady said it could be in perpetuity. I asked her what if I die tomorrow where is this money going to go? Im a single mother of XXXX kids. Im paying for college. the money supposed to come out of my account any minute now to pay her tuition. 

I have no access to money and nobody knows when its going to be assigned to an investigator on when these funds could even be temporarily release so I could get a cashiers check and bring it to another branch. Its becoming a financial burden, not be able to access my money. And dealing with Capital One and their customer service has been atrocious. They not only froze my personal account, but my business account and savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION -- -allowing falsified information on my account, and not allowing me access online. First, the falsified account is for {$4000.00} entered by XXXX XXXX and this debt does not exist ; XXXX can not prove or show a contract because there is no contract. I have asked multiple times for this to be deleted and Transunion is not enforcing any honest guidelines for reporting. Second, on Transunion 's online dashboard, I am locked out because my last name changed. I have faxed in my proof of name change and called multiple times. They have changed my name internally so that their phone reps can see the change, but have not changed the website to give me access to the dashboard and be able to see my personal information. Multiple requests and extremely difficult to get Transunion to respond to me as a consumer. 

XXXX XXXX -- - has no contract for this supposed debt. I have been disputing this debt for a long time, and they are repeatedly closing the disputes by simply re-entering the same information. ( Why does the credit bureau allow this? Very corrupt. ) Please DELETE this debt for {$4000.00}, as the entry is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were forgiven under TEPSLF program. I was never late and never delinquent. My original balance was {$34000.00} in 2004 and around $ 16K was the amount forgiven. I recently noticed my FICO score had dropped 100 points! 

Transunion was reporting that I had a $ XXXX balance within the past year, that I was over 90 days delinquent, and that the loans were written off as a bad debt. All of this is wrong and I disputed it. They corrected the bad debt part, which so far has changed nothing about my credit score. 

Transunion still lists me as 90 days delinquent. They also show the $ XXXX as a recent high balance. XXXX, the student loan servicer, does not show these errors. 

XXXX  dinged my FICO score with similar errors to Transunion. However, they have corrected my credit report and are no longer reporting a false delinquency. 

I have now spent hours online, on hold, on the phone trying merely to introduce written proof that this is information is erroneous. The phone person refers me to the web page, the web page tells me I have to use the mail. It's all set up to make a dispute impossible.
Product: Vehicle loan or lease

I had a car loan with USAA credit Union and car was insured with USAA XXXX The car was stolen and was supposed to be paid off. But the USAA insurance did not lease the payment because they thought I was in bankruptcy. So they said the funds would have to be paid to the trustee. My attorney informed USAA that I chose not to proceed with the bankruptcy. But USAA insurance refuse to pay the balance of the car loan to USAA credit union and me the remaining {$1500.00}. I spoke with USAA corporate office about the matter, which corporate was suppose to resolve. Instead of the matter being resolved USAA Credit Union keep turning the account over to different collection agencies.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. My identity was also stolen in a datat breach via online which resulted in several fraudulent inquiries being made without my permission. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I had a representative from National Budget Planners call me explaining that they could consolidate my loans if I pay a $ XXXX monthly payment every month with the implied purpose that that would be the lowest payment I could pay based on income. I initially paid a {$200.00} registration fee and since then I have been making {$40.00} payments for over 2 years. Recently I received a bill from XXXX XXXX and my loans were the exact same amount as two years ago! When I called and asked why this way, they said some third party has been receiving payments from me while they make sure I stay on an income-based payment plan, all of which I could do for free from XXXX XXXX. The National Budget Planners have been taking hundreds of dollars from me and not reducing any of my student loans, which was the their promise. They have renewed my yearly " service '' without my consent which I was also unaware that I had the option to renew the services or not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX misuse of down payment, etc & XXXX XXXXXXXX data breach had many inquiries and my other credit card and accounts being hacked and resulting in multiple credit repair costs and credit monitoring etc.
Product: Checking or savings account

I was XXXX on a thursday XXXX of XXXX. On Friday the XXXX of XXXX I released my property to a friend vehicle keys cell phone wallet ect. An unauthorized withdrawal from an ATM in the amount of {$1000.00} was made late friday XXXX of XXXX with multiple attempts at withdrawing more but my max was reached at {$1000.00} that day.the following day another unauthorized withdrawal was made on the XXXX of XXXX in the amount of {$700.00}. I was released on Sunday the XXXX in the morning. These were unauthorized withdraws. I filed a fraud claim. Wells Fargo the credited me the money " I was under the impression that they acknowledged my claim '' so I paid bills and what not with the money. Days later the come back to say that my claim is closed and stated that " Either it was me who made the withdrawals or it was someone I gave permission to, consider this claim closed we will be withdrawing the credited {$1800.00} in 10 days from your account '' I have no idea how I could have made these withdrawal when I was XXXX and I gave no one permission to do so either.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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.
Product: Credit card

My phone number ( XXXX ) XXXX XXXX and my email XXXX where used to open account with Klarna and made purchases. I have never had Klarna account or never used Klarna in the past. 

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

Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.
Product: Student loan

XXXX is constantly calling and sending letters to me over a student loan from XXXX I dont recall its been almost 20 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help
Product: Mortgage

Received my payoff quote from my lender, Nationstar Mortgage. There is an unusually high " other fee '' amount for {$1700.00}. Called Nationstar, talked with a rep. They said my account was tagged with a " referral fee '' back on XXXX XXXX, 2013. I asked what this " referral fee '' was for. They have no information for me. But it is on my payoff quote. Now, they are sending my request of disclosure to their research department and will get back to me in 7 business days with the details of this " referral fee ''. 
I am 5 weeks into my refi and this throws the breaks on it. This fee can not be rolled into my new loan and I will have to pay it in full at closing and prove that I have the money to do so with bank statements.