23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I received an email from XXXX informing me of an Amazon store card online credit request that I DID NOT make. I have dealt with identity theft before, so I called Synchrony Bank directly. They informed me that someone tried to open the store card with my name, address, email, but with a different social security number. The staff member informed me that the application was not opened yet, and they did request additional identification. They informed me that they would alert the credit bureaus that the application was fraudulent. They also told me that if this issue continues, I may need to change my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to TRANSUNION. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

Macy department sto re has allowed other people beside me to make purchases in  XXXX  dollars after I informed them many times that I have been victim of identity theft. I have talked to frauds, frauds analytic, and many fraud department managers and so far they just promise that they are investigating.. I have a documentation of all the above the names of macys employee and a copy of my statements. I have also informed them the history of the theft, the police report, the detective name and her number and the prosecutors office in  XXXX   County  and the name of the prosecutor with the case number and months have passed and they are still sending bills and nothing has been done with the investigation and we have been receiving letters in the mail every month requesting that I pay and I believe they sent my name to collecting agency and I have been verbally abused due to their negligence.
Product: Debt collection

On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted XXXX which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XX/XX/XXXX ; the second one was onXX/XX/XXXX, and the last one was made onXX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send TransUnion evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. TransUnion sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
Product: Mortgage

I have had a home mortgage with XXXX XXXX ( Loan servicer is LoanCare ) since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with XXXX XXXX was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call XXXX XXXX and Loancare the servicing company used by XXXX XXXX and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of XXXX XXXX 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 XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number:XXXX  has 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
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 XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 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, credit repair services, or other personal consumer reports

The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my Equifax credit report, I noticed a collection account from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX. The amount was for {$150.00} from original creditor XXXX XXXX  XXXX. As I did not recognize the account nor original creditor, I filed dispute with Equifax. 

Equifax 's dispute resolution was to add comment " Consumer Disputes This Account Information ''. 

I then wrote the XXXX XXXX XXXX directly stating I have received no information regarding the alleged debt nor did I recognize the alleged original creditor. Requested them to provide written documentation of the debt. It has been 35 days since contacting them and I have received no information yet this remains on my credit report.
Product: Checking or savings account

XX/XX/XXXX, Bank of America recently closed my account without any reason while I am XXXX, I reached out to them they refused to tell me the reason. I had this account with me for over XXXX  years.
Product: Debt collection

Hello My name is XXXX XXXX and I attend XXXX XXXX XXXX XXXX in XXXX XXXX mi in XXXX and completed the school it was a good program so I went forward and went out and got a job at XXXX XXXX 6 months passed I paid the owner of XXXX XXXX XXXX in person and in full now its XXXX and XXXX XXXX is harassing me saying I owe the debt again its been paid to the previous owner I never made any agreement with XXXX XXXX this is false accusations I have paid everything in full Ive reached out and tried resolving the issue nobody at XXXX can help the collection agency is agresive and make threats Im very upset and this is taken a toll XXXX I want this resolved please and thank you its been 8 year since I paid this debt off in full why am I being harassed now
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I filed a dispute against Mobiloans. On my credit report which at that time they're supposed to stop contacting me until the dispute was resolved. They did not they continued to call me three or four times a day on the XXXX XXXX and XXXX of XX/XX/2023 which is in direct violation of fcra U.S.C-1681.

And should be subject to a {$1000.00} payout because at this point is considered harassment they only stopped contacting me when I contacted their legal team myself to let them know of their violation ... when speaking with them before they claimed because they were a tribal group they were virtually Above the Law and they didn't apply to them. But when it comes to fcra laws they are held accountable
Product: Payday loan, title loan, or personal loan

In regards to complaint number XXXX, the company has yet to respond satisfactorily or resolved anything. They have not yet allowed us to make a principal only payment and is unresponsive.
Product: Checking or savings account

On XX/XX/2023, Chase Bank closed my accounts, which included both my college accounts and a joint account with my boyfriend. At the time of closure, the total remaining balance across these accounts was {$17000.00}. However, as of today, 157 days after the account closures, I have only received a partial refund of {$3500.00}. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. 

This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I have made numerous attempts to contact the bank for updates, only to be told repeatedly to wait. 

I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$14000.00}.
Product: Checking or savings account

Please see the attached documents. A phone call from someone claiming to represent Bank of America contacted XXXX XXXX on the evening of XX/XX/XXXX. She was fraudulently convinced to supply information which allowed a transfer via XXXX from her checking account in the amount of {$3400.00}. Bank of America was notified via a phone call the next day, XX/XX/XXXX. Bank of America issued the denial letter attached dated XX/XX/XXXX. On XX/XX/XXXX, a letter ( attached ) was sent to Bank of America indicating the transaction was fraudulent and is covered by the Electronic Fund Transfer Act. No response has been received from Bank of America. 

I am sending this in hopes you can further pursue the matter. 

Respectfully, XXXX XXXX ( daughter of XXXX XXXX ) I am a signature on the checking account at Bank of America.
Product: Checking or savings account

XXXX, someone tried to file taxes using my name Bank of AmericaXXXX XXXX, XXXX someone opened a banking account in my name Unemployment Compensation of XXXX XXXX XXXXSomeone tried to open an unemployment claim in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX/XXXX along with a notarized affidavit claiming fraud. XXXX/XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX/XXXX   to close their files which have any information with my name & social on it ...
Product: Checking or savings account

Refilling complaint due to inappropriate closure of complaint without allowing for further resolution. 

Original complaint : Discover financial services phone line is repeatedly inappropriate and rude with me and refuses to provide appropriate customer service. Unfortunately as an extension, they have projected their inappropriate behavior onto me and wrongfully blamed me for problems that they caused by mistreating me. Unfortunately, they have denied me phone access and restricted me to written communication only which is not accessible to me as I am XXXX XXXX and XXXX XXXX 


Update to complaint : Company responded and once again falsely accused me of being inappropriate and refused to address the issue : Discovers customer service is repeated extremely inappropriate and rude and they repeatedly refused to help me and hang up on me when I get onto them for not helping me at all. Recently, they put a communication restriction on me that is inappropriate and illegal. Discover needs to address their bad customer service and not blame customers if the restriction is not immediately removed, I will be pressing charges as well as filing a XXXX figure lawsuit against the company. Discover has no right to refuse to talk to someone because they refuse to address their bad customer service. I am XXXX  so I do come off very direct however recently they have been extremely empathetic rude and just unwilling to serve the customer and for simple issues it often takes 10 to 15 calls just to get something done because they keep rudely hanging up on people instead of helping them, customer service representatives are to serve the customer. End of story. 

Please stop falsely blaming me for an issue you caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my equifax credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from equifax reporting and im missing five credit accounts on my equifax report and i contacted XXXX XXXX they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on equifax equifax didn't have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I registered for a XXXX XXXX and a XXXX XXXX card in XX/XX/2022. My company 's plan with Optum Financial began in XX/XX/2022. I was going to use the card to pay for a very expensive dental procedure. 

Optum assured me the card would arrive within 5-10 business days. I have called Optum Financial approximately once per week for the past 2 months, and they have kept saying that the card will arrive in 5-10 business days, but it's been over 2 months. They keep rejecting my request to speak with a manager, they do not provide any additional information, and I still have not received my card.

XXXX  is over, and I have not been able to use my XXXX, which expires at the end of the year. Further, Optum won't let me log into my online account without having a card, so I can't log in and request them to stop debiting my wages to fund my commuter benefits card. So they refuse to send me my XXXX XXXX card, but keep taking money from my wages each month while they do so. 

This is completely unacceptable. I want Optum to send me back every single cent they have stolen from me. I consider this theft because they have taken my money and refused to provide me with a payment card. I want the money sent back to my wages.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$510.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED New Inquirie Date XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX AN # XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto XXXX, New XX/XX/XXXX CHAMPION XXXX Auto Dealers, New XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX  Personal Loan Companies XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Mortgage XXXX - Finance XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX Mortgage XXXX - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX Late Payments XXXX XXXX Late Payments 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to them and told them i paid off but they keep try to charge more and we had worked out a deal if i paid what i paid it would be closed but they are just greedy and keep wonting more and more and i told them every time they call they are paid off
Product: Credit reporting

I am challenging a Public Record Information on my current credit profile as inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit profiles under their procedure of reporting as a derogatory for 10 years. The credit bureaus have stated that the information is " verified by it 's origin '', the origin is the Bankruptcy Court. I have contacted the Federal Court to confirm this information and they have confirmed, by documentation, that they did not and do not verify to credit reporting agencies. This is misleading and false verbiage on behalf of the reporting agencies. This discrepancy has prevented me in my personal life 's pursuit and I am requesting CFPB to advocate for me in this challenge. I have a consumer right to know the identity of the " VERIFIED ORIGIN '' that is reporting this negative.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, In XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX XXXX I amrespondingtoyourcontactaboutadebtyou aretryingtocollect. 
I recently received a mail dated XXXX/XXXX/2017 from XXXX XXXX XXXX XXXX to collect a debt in the amount of {$180.00} that just appeared on my credit report on XXXX/XXXX/17 which has grossly lowered my credit score. the information provided in the letter is grossly inaccurate. I do not know the nature of this collection nor am I aware of any unpaid bills from XXXX XXXX XXXX XXXX. I have medical insurance and always pay any copays.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all XXXX credit reporting agencies Equifax, XXXX, and XXXX If the dates are coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. Please delete all accounts from my credit report immediately. The accounts are listed below with all relevant information. 

Account name : XXXX Account # : XXXX XXXX : Date last XXXX Equifax : Date last XXXX, XXXX XXXX : Date last active, XXXX Account : XXXX Account # : XXXX XXXX : Date last XXXX Equifax : Date last active, XXXX XXXX XXXX Date last active, XXXX Account : XXXX Account # : XXXX XXXX : Date last active XXXX Equifax : Date last active, XXXX XXXX : Date last XXXX