23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received a text message from Sezzle indicating that an order was not approved because my account was maxed out. When I immediately logged into the Sezzle mobile app I looked in the orders section and discovered XXXX transactions from XXXX  that I had not placed. I immediately locked my Sezzle virtual card and reported the XXXX transactions as fraud to Sezzle. On Monday XX/XX/2022 I received an email from Sezzle stating that I had a refund in the amount of {$200.00} coming to me. On XX/XX/XXXX I also received XXXX additional orders XXXX in the amount of {$100.00} and the other order was for {$100.00} dollars again from XXXX. I would like Sezzle to give me case number for my fraud claim as well as a contact phone number so that my financial institutions can conduct their chargeback investigations. I was forced to utilize chargebacks for these orders as Sezzle not only collected the first payments for these transactions but also continued to try and collect the other XXXX payments for each of these transactions prior to finalizing their fraud investigation in total Sezzle attempted to collect {$1300.00} for the XXXX fraudulent transactions from XX/XX/XXXX and XX/XX/XXXX. I have tried numerous times to get information from XXXX and they would only tell me that the transactions appear to be made in person. I was at my home on XX/XX/XXXX with my wife and child and at work on XX/XX/XXXX, neither XXXX nor Sezzle want to provide a city or XXXX where the transactions occurred. At the time of the orders being placed I had my Sezzle card attached to my XXXX account, when I checked my in person and online purchase history the XXXX orders do not appear. I have reached out to XXXX to get copies of the receipts for the XXXX transactions that Sezzle shows sent to me and they have not produced copies of the receipts for the transactions that Sezzle shows. I have XXXX orders that were placed prior to XX/XX/XXXX that my financial institution has been informed to cancel the chargeback that they inadvertently processed for those orders. Please note this company refuses to provide any information on my fraud case that I initiated on XX/XX/XXXX. There are XXXX transactions for {$100.00} total, XXXX transaction for {$100.00}, and XXXX transaction for {$200.00} dollars all of the orders were placed within a XXXX minute span of time as far as I can tell with the confirmation emails sent by Sezzle for each transaction. This company XXXX also use the term friendly fraud which is not the case here My phone is always in my possession and no one except me and Sezzle staff have my virtual card number. It should also be noted I have not left the state of California in the past 90 days. I suspect that my case is easy to solve once Sezzle or XXXX produce receipts or the location of where the orders were placed.
Product: Credit card or prepaid card

I have called Synchrony Bank/ Care Credit repeatedly 3 days in a row while I hold on the line for 3 hours and no success. I get online where they direct us to for live chat which responds to " online chat not available. Please try again later '' They claim they have heavy amount of calls as recorded while holding for hours. I do not believe they answer calls or concerned with customers. In the midst of this national pandemic coronavirus that is causing financial hardships, they are not helping customers.. We as citizens are reaching out for help to no avail to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block this file. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I do no recognize on my credit report from XXXX XXXX XXXX. reporting to all three credit bureau 's. I am requisition the original creditor and a full accounting from when the account was opened.
Product: Debt collection

*Stell ar Recovery Inc ,    XXXX   XXXX   XXXX   XXXX   XXXX   . ,  XXXX  MT  XXXX  (  XXXX  )  XXXX  has violated the law by continuing collection activities with  XXXX   of a disputed  alleged debt while failing to respond to consumer 's right to validation within 30 days.     Stellar Recovery has altogether failed to notify consumer and violated her rights to receive notification as mandated by law of her right to dispute.     Proof of the se two v iolations made by Stellar Recovery are legitimized in the attached documentation.   **Complaint made to  XXXX  via CFPB #  XXXX
Product: Debt collection

I got a notification on my credit report and it shows AMSHER COLLECTION SE is trying to collect {$160.00}. I contacted them and explained that I dont have any account with XXXX XXXX and I have been with the same Internet Service provider XXXX XXXX XXXX XXXX XXXX  for years. I told them that I can show my monthy payment bills but they refuse to accept and hangs up on me very time I call to make my case. I requested for them to remove this collection on my credit report but refuse to do so. I contacted all 3 credit bureau to dispute this but they said they AMSHER COLLECTION confirmed its mine. With this collection on my credit report it signifcally took down my credit score.
Product: Debt collection

I have received calls for several months XXXX saying I owe money from a debt, or old payday loan, or a bad check. They will not give me information unless I give them my social, and other information. I do not owe late/unpaid money to anyone, have never received any notice by mail, and my credit report is clean. They have threatened arrest, subpoenas, and are now calling my parents and siblings. They almost always have a different phone number to call or that they are calling from. They will not give me their address, or the company they are " arbitrating '' for. Their calls get increasingly hostile and their voicemails state that if I do not resolve it they will render a decision against me. I keep telling them to do that since I owe no money, but still they call stating the same thing.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to withdraw a {$1000.00} two times at Bank of America XXXX XXXX, XXXX XXXX, CA XXXX. It gave me an error message and did to allow me to withdraw money. 

On the same day I went to B of A XXXX XXXX. XXXX in XXXX, CA XXXX. I attempted to withdraw {$1000.00} and error message was I exceeded my daily withdrawal limit. 

when I checked my account online {$1000.00} was dedcuted from my account and it showed ATM withdrawal at XXXX XXXX. I called customer service of B of A and they issued a temporary credit of {$1000.00}. 

On XX/XX/2020, the temporary credit was reversed. On XX/XX/XXXX I called B of A spoke to XXXX employee # XXXX and he advise me that the findings was that the transaction I had at B of A in XXXX XXXX is valid and they took the {$1000.00} back. I explained to XXXX no money was dispense. I asked if he can send the full document and error messages and most importantly to send me the video that I took the {$1000.00}. XXXX advise me that as per B of A their case is closed and nothing they can do. If I want I can get my own attorney and file legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, Equifax and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ally platinum ending in XXXX was sold to Midland credit management a XXXX  party collection agency, the original balance is no longer the same. Please remove this account as it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report on XX/XX/2024, I saw some disturbing and harmful information. I called Equifax and sent in writing requesting that they please remove the inaccurate information and to please provide me with the original documents showing me where they received this information. Equifax, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX  all stated that they do not give out nor share my personal information. Once I tried to resolve the issue and they weren't cooperating, I was left with no other option, except to reach out for help.

5 U.S.C 552 a ( i ) ( 1 ) 5 U.S.C.552 a ( i ) ( 2 ) 5 U.S.C.552 a ( i ) ( 3 ) FCRA
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting a XXXX point for an increase in debt on card. The card debt was {$0.00} and increased to {$200.00}, which is about a 5 % use of the limit. There is no reason for XXXX XXXX. Unless you get a XXXX point just for using a card under 10 % of the limit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX XXXX  ) ( XXXX -cXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXX XXXX  ) ( XXXX. -XXXX  ) all listed has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, XXXX XXXX Credit Collection Servcices for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit reports I found that Telerecovery had placed an account in the amount of {$3300.00} on my credit reports. I then disputed this information with the credit bureaus as I believed the information was inaccurate and was not a valid account. Despite several attempts to validate the account the company has not produced any validation. The company closed the account on XXXX leaving it as a collection account and left the account as an active collection on my XXXX and XXXX credit reports. The company is reporting inaccurate information which is hindering my progression for better credit health. I would like this account to be removed immediately from all three major credit bureaus.
Product: Credit reporting or other personal consumer reports

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

in Furtherance to the contest of this information sent VIA  certified mail on XXXX XXXX Subject : Request for Method of Verification - Bankruptcy Information Dear LCI Consumer Center, I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by XXXX in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LCI Consumer Center verifies and validates such bankruptcy information.
Product: Debt collection

I was contacted by Grant Merchantile agency in XXXX regarding a medical debt that I did not recognize. After 4-5 attempts to get the information from the agency, they finally provided proof that the services were rendered to my daughter. When I received the information, I realized that the provider failed to bill my insurance and never contacted me regarding the debt. The provider then sent the account to collections XXXX  months after the service was provided. I am disputing that I owe the full amount of this bill, I had insurance which was furnished to the provider at time of service. I should not be held liable for the full amount of the service because of their inability to bill the insurance or contact me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you letter by certified mail, but you failed to remove accounts from my credit report that are unverifiable I'd informed you already they are not linked to any of my address, so how are they verified? You have neglected to remove and delete the items that I have disputed from my report, lists of the accounts are shown below. You should comply since XXXX did.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance XXXX XXXX {$12000.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Debt collection

While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''