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

According to my research about FCRA 605, Credit Bureaus 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 are 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX  I XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$530.00} 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 XXXXXX/XX/year>
Product: Checking or savings account

I OPENED A CHECKING ACCOUNT WITH USAA ON XXXX AND THEY CLOSED IT THAT SAME DAY IF NOT THE NEXT. HOWEVER I HAD ALREADY GOT MY XXXX XXXX BENEFITS CHECK TO GO INTO THAT ACCOUNT. THEY WONT RELEASE MY MONEY TO ME AND ITS BEEN 60 THAT THEY TOLD ME IT WOULD TAKE TO CLOSE THIS ACCOUNT. NOW EVERY TIME I CALL THEM TO FIND OUT WHATS GOING ON I GET THE RUN AROUND. I HAVE SENT THEM ALL THE DOCUMENTS THEY ASKED FOR AND I STILL GET THE SAME RESULTS. THIS IS MY MONEY FROM THE GOVERNMENT THAT IS THAT IS DUE TO ME EACH MONTH. MY HUSBAND DIED WHILE SERVING THIS COUNTRY IN THE XXXX AND NOW TO HAVE THIS BANK NOT GIVE ME MY MONEY IS JUST WRONG.IF I HAD KNOWN THAT I COULDNT OPEN AN ACCOUNT WITH THEM I WOULD HAVE NEVER EVER DONE SO BUT BECAUSE THE EMPLOYEE DIDNT DO HIS JOB CORRECTLY NOW THEY ARE PUNISHING ME.PLEASE BEWARE OF THE XXXX LEARN FROM MY # THEIR MISTAKE.
Product: Mortgage

My mortgage was sold to Mr. cooper and the result was this month my credit score was impacted and went down XXXX points. I have not missed any payments and have done nothing other than continuing automatic payments. I believe they made some type of error that has resulted in my credit being impacted and I would like them to be held accountable. I am unable to reach them as their automated system will not allow me to speak to a representative.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I have proof someone got a mortgage loan private student loans and I want the too be prosecuted before a judge my names and phone numbers found on my XXXX  account belong too I know people and I have lots of auto loans and XXXX entities I have never filed for please correct my credit the fraud person last four digits too XXXX is XXXX please take care of this matter I have lost so much
Product: Credit reporting, credit repair services, or other personal consumer reports

showing errors on my credit report b/c of the XXXX breach
Product: Payday loan, title loan, or personal loan

I was treated with respected and professionalism, until I uploaded a copy of my ID. The sales rep and manager both grossly discriminated against me for being XXXX. I was told my ID and paystubs were fraudulent so my loan was declined. XXXX informed me that he and XXXX both saw red flags after receiving my ID. They both questioned the amount of income I made. XXXX requested that I prove my income by sending over my year end paystub. XXXX said, MainOne Financial fraud department reviewed the file, pulled a SSN background report, among other reports and based on what returned they informed XXXX to decline my loan. I was never asked to bring in a copy of my ID. Once I discovered my loan was declined and the reason why, I insisted that I stop by and bring in a copy. I met face to face, with XXXX the manager, who said my ID was still fraudulent. I have a previous loan with OneMain that Im currently paying on. Ive been paying on this loan for 2-3 years. My payments are on time and deducted by ACH from my personal checking account. They have a previous ID on file and they have my previous paystubs from the same employer. Ive been with the same employer ( XXXX XXXX ) for 10 years. The only red flag was my XXXX XXXX, they saw on my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.
Product: Debt collection

I did not sign an agreement with this company. The debt collection company is attempting to collect a debt that is past the 7 year statute of limitations.
Product: Credit reporting or other personal consumer reports

Ive disputed this information on my account several times and they failed to comply with the law and they keep just updated everything and they fail to provide me a written description of the message they use and instead they sent me a computer computer generated stall letter
Product: Credit card

On XX/XX/year>, I was charged {$99.00} for an annual fee on my FNBO Amtrak Preferred Mastercard. I had intended to cancel the card before the fee was charged, but lost track of it. I called FNBO to cancel the card and seek a prorated refund on my annual fee on XX/XX/year>, but they said they don't offer refunds on annual fees. Every other credit card issuer I've dealt with has offered prorated refunds ; it seems preposterous to me that FNBO is allowed to operate this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the is account completely from my Credit Reports : XXXX OF XXXX XXXX
Product: Mortgage

XXXX, you are so dishonest and a liar. you called and left me a message only XXXX time, I have called you twice and left messages with no response. 
You did not give me the recast payment of {$430.00} ; you gave me the payment of {$460.00} which is not the recast. I understand the increase of my taxes and insurance, but I am talking about the {$430.00} recast. The {$86.00} escrow monthly is based on the increase from XXXX to XXXX monthly. my monthly payments with my recast should be around XXXX monthly. I 've earned this and you have no right to deny me. Please address why I did not receive the incentive of {$430.00} monthly payment? This is an incentive and I want what is due to me
Product: Debt collection

I dont have an account with XXXX XXXX XXXX is also no longer in business and jefferson capital is trying to say i owe money when i dont owe and they will not send me any proof I have request to validate the account and they still have yet to send me any documentation. I have requested that they remove this account from my credit since it cant be verified and i dont owe anything.
Product: Credit card or prepaid card

I have talked to American Express two separate times attempting to explain that I have been XXXX and have not had a XXXX in 6 months. Every time they talk to me they ignore what I have to say until the point that I agree to receive a payment to an account that I have made clear is empty. I feel pressured to agree to this and have been given no alternative by American Express. American Express also has harassed my family from a phone number that I have made clear to them is not a number I want them to call from. They frequently call as often as three times a day.
Product: Mortgage

My mortgage company is XXXX XXXX XXXX serviced through LoanCare. They were experiencing outages of their newly renovated website. I made a payment, and they withdrew two payments from my checking account. One of those withdrawals was without my authorization and an error on their end. My checking balance is now negative {$2100.00} and I have no access to money. Orders Ive placed have been cancelled due to insufficient funds and I have no access to cash. I spent two hours on the phone and they refuse to expedite the refund. My complaints are that they took money from my account without authorization and they will not refund it in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2019. Covington credit has called my job twice and was told not to call my job and the young last I spoke with was XXXX. They are pretending to be collection agency and when I told her not to call my job she said she wouldnt have to if I answered my phone. The amount was XXXX I believe. I told them several times that I will pay them when I get my money in order and didnt give them a time table.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to Carmax Auto Finance, There are several accounts opened via Identity Theft that XXXX refuses to remove : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please remove these accounts.
Product: Credit card or prepaid card

I am writing to raise a complaint about my Citicard. The details are laid out in the attached XX/XX/XXXX letter. In short : o I replaced my credit card ending in XXXX in XX/XX/XXXX as advised by a Citicard customer service representative to prevent an exorbitant charge of {$500.00} by Events XXXX XXXX from being made. Despite this, {$500.00} was charged to my new credit card ending in XXXX, without my authorization. 
o I have twice been promised by Citicard customer service representatives refunds of the {$500.00} charge. These promises were made in late XXXX and in late XXXX, but these refunds were never provided. 
o I wrote to Citicard Customer Service detailing my complaint on XX/XX/XXXX, but have never received a reply. See attached copy of letter sent to Citicard Customer Service, po box XXXX, XXXX XXXX, SD XXXX. 
o I canceled the card ending in XXXX ( and permanently closed my credit card account with Citicard ) on XX/XX/XXXX, explaining the reasons to Citicard, but again got the run-around from their customer service. 
o I hereby request that you request Citicard to refund to me the amount of {$500.00} charged to my credit card ending in XXXX without my authorization. In addition, Citicard should provide some compensation to me for the hours I have spent trying to resolve this problem. 
o In addition, I request that you ask Citicard to take steps to ensure that promises made by their customer service representatives are honored ( Citicard should check and provide their recording of my numerous conversations with them ). Citicard should also take steps to ensure that written complaints receive a response. 
I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to place a security freeze on my SageStream report. 

I sent a signed letter on XX/XX/19 to : SageStream , LLC Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. In the letter I stated that I was requesting a security freeze. I included my full name, address, phone number, social security number, and date of birth. I also sent a copy of my driver 's licence and recent water bill. This request complied with the criteria outlined at https : //www.sagestreamllc.com/security-freeze/ After approximately 30 days, I began calling. I called on XX/XX/19, XX/XX/19 and XX/XX/19 but the company only has a voice message. I attempted the number listed on Sage Stream 's website : ( XXXX ) XXXX. 

A consumer can request a security freeze by 1 ) mailing in a compliant request, OR 2 )  calling the number listed on the site. I have attempted both and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Spring Oaks LLC Capital LLC In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

In accordance with the 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions No other adverse items of information should be on my report other than records of convictions of crimes according to 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.
Product: Checking or savings account

Greetings My name is XXXX XXXX XXXX On or about XX/XX/2022 PNC Bank opened a business account under my sole signor For co name ; XXXX XXXX XXXX XXXX Acct XXXX There were multiple unauthorized charges to my account for a loan payment and or Line of credit/ credit card from my ex husbands delinquent loan accts which were Charged to my account some appear to be telephone ACH withdrawals In addition most recently i was charged for stop pmt fees and other unknown account fees I am unable to recover the unauthorized ACH debits due to PNC stating that over 60 days any bank stmt containing errors can not be recovered if I understand correctly. 

In addition there are withdrawals ACH unmarked providing no account to link them to Basically PNC bank has allowed this to continue. 

Because i do not have check images i am unable to view checks marked as XXXX Dates of unauthorized deductions include XX/XX/2022 unauthorized ACH Telephone Pmt to PNC There are unmarked checks as XXXX on XX/XX/22 for XXXX may be check i wrote XX/XX/22 XXXX - these may be checks i pd to contractors however i am unable to retrieve Check images XX/XX/22 Ch XXXX XXXX again i can not see check images may be a ck i pd but have no manner of seeing check images on my cell phone device XX/XX/22 XXXX for a check printing fee is excessive On dates XX/XX/22-XX/XX/2022 There were a total of 9 checks pd i am unable to view check images on my cell phone device checks paid from my acct total XXXX- I need to ensure these were checks That i paid to contractors or how i can determine the checks were written by me which May be the case but need copies of cancelled check images On XX/XX/2022- i was charged XXXX for check printing bank fees On XX/XX/22- was charged XXXX for an unauthorized ACH telephone pmt to PNC ON XX/XX/22 Was charged XXXX even though stmt says fee for mo maintenance is XXXX On XX/XX/22 i was charged XXXX an unauthorized ACH Telephone pmt to PNC In addition PNC charged me XXXX for the stop pmt fee even when it was an unauthorized ACH and two charges for XXXX not sure where these come from On XX/XX/22- was charged XXXX for bank service charges, again another inconsistent Bank charge On XX/XX/22- Another unauthorized unmarked ACH charge to my account from my XXXX XXXX XXXX XXXX checking acct with no marked account number but it Is an ACH debit with a ghost unmarked pending withdrawal. 

I need PNC Bank to cease charging me for my ex husbands delinquent debts This is causing stress as i need go in and they keep transferring me to recovery dept When i do not owe anything for XXXX XXXX XXXX XXXX accounts my ex husband XXXX XXXX was a smoke signor for previous XXXX XXXX XXXX XXXX business accts Please help me recover unauthorized ACH initiated from this account without my Consent. 

In addition PNC needs respond why they continue to do so. 

Please help me. 

Thanks in advance for your time and consideration XXXX XXXX XXXX XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the terms that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report.I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacyI ask that these be deleted so my credit report only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company uses multiple numbers and calls 6-10x a day. I have tried to tell them to stop calling but they barely speak English.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT EDXXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX  XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX  XXXX XXXX XXXX NJ XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX and TransUnion on XX/XX/year> after reviewing my credit report and asked if the items listed on my report to please be removed due to its inaccuracy. On XX/XX/year> I followed up with the same XXXX reporting agencies to find nothing had changed. And upon following up on XXXX other avocations over the past 15 months I would like to file a complaint.
Product: Credit card

Hello, synchrony bank closed my account despite the fact that I sent them all documents. Please help me to reopen card I need it for my XXXX XXXX