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

I am the victim of fraud. I first noticed this when one online credit card application was approved and instant credit granted to the perpetrator back in XXXX. Within a few days multiple online applications started to show up. Since that first time ( XXXX/XXXX ) I placed Fraud alerts on all of my credit report companies. I filed with police, filled out an identity theft affidavit and reported to internet crime complaint center as well as the department of the treasurer. On XXXX XXXX, 2017.An online application to XXXX XXXX  XXXX XXXX triggered a fraud alert to my email. I immediately called the XXXX XXXX XXXX XXXX told them that I did not apply for this and that it was a fraudulent application. XXXX XXXX XXXX CONTINUED TO DO A HARD INQUIRY ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I asked the bank to remove the hard inquiry from my credit report as it was fraudulent. They said NO that it was their right to pull my credit without calling me- as they send letters instead. They also said that people lie all the time about identity theft AND THAT THE XXXX XXXX WILL CONTINUE TO LEAVE THE HARD INQUIRY IN PLACE UNTIL I PROVE THAT I DID NOT APPLY FOR THE ACCOUNT. I asked for multiple investigations with Equifax and was told that Eqifax will not remove the credit inquiry XXXX says the inquiry is not fraudulent. My identity was stolen, name address phone and social, I continue to be victimized, the information is right there on my credit report and this bank is treating me as a criminal. They should have not pulled my credit like the alert advises, AND she were instructed on the alert to call me on the phone to verify the information before pulling my credit. This issue is still on going. This makes no sense- and we need stricter laws on how and what types of information can be stored. My information was breached by some company - and the only users of my information are doctors, hospitals and banks. People have access to information without even a core check. Your being asked for the last four of your social all the time. No wonder ID theft has gone viral. People need to start fighting back. I also called my attorney general office - their response " We know its a problem- you have to take more protection. WRONG_ I do n't use debit cards- I do not shop on line- I do not pay bills on line, I shred everything. SO TELL ME How did my credit get breached? ITs the holders of all this required information that 's how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX XXXX XXXX XXXX I researched on how to remove the fraudulent accounts and infroamtion in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX  XXXX Balance Owed : {$200.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$650.00} Medical XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged XXXX XXXX not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.
Product: Debt collection

To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX  XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you. 

XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Notified cash app. That it was stolen money and I dont use bitcoin they said they couldnt do. Anything about it
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX, IN XXXX.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit card

On XX/XX/XXXX I made a XXXXXXXX XXXXt gift card available to a scammer over the phone who pretended to be from XXXX XXXX. Shortly thereafter I verified with XXXX and XXXX that the transaction was a fraud. I filed reports with XXXX, FTC, FBI & local sheriff. 

On XX/XX/XXXX I called Bank of America and told them that I had been scammed. I asked them to refuse the {XXXX}. transaction on my XXXX card used to buy the XXXXXXXX XXXXt card. They flatly refused any offer to help me. I cancelled my XXXX card with them ( XXXX ) immediately. 
Later XXXX told me they would reimburse me. XXXX XXXX XXXX  offered no explanation as to their refusal at a time I had no idea of XXXX XXXX intentions. 

Copies of the reports available upon request.
Product: Mortgage

We have attempted 8 times to resolve a payment issue with Flagstar Bank. The problem is the bank keeps taking funds out of a XXXX bank account that is not supposed to be used for payments. We switched to a XXXX bank account for our automatic monthly payment, but Flagstar continues to use XXXX bank, causing overdraft fees, etc. We have a newborn baby and do not have the time to speak with Flagstar Bank over and over again, each time they promise the issue is fixed, each time the problem remains. We have spoke with management and the customer service representatives have been documenting all of this.
Product: Checking or savings account

Capital One sold me on a high yield 360 savings account. Ive had the account for years. When rates moved the account paid more/less interest. All of a sudden when rates increase. Their rate did not increase. I was never notified that there were any changes to my account. Today I learn via the XXXX that they changed the terms on my account and created a performance account that pays market interest. I have transferred my balance to the performance account but would like someone to hold them accountable. This is fraud plain and simple. You cant sell someone on a 360 high yield savings account and the when rates increase pay as if it were a savings account.
Product: Mortgage

My spouse and I applied for a home loan through USAA. I am a mobilized reservist currently on active duty. USAA issued a pre-approval letter and based upon that we looked for and found a home that meets our needs. We made an offer, which was accepted and currently are under contract to purchase the home. USAA had pre-approved us for {$250000.00}. The purchase price for the home is approximately {$230000.00}, well under the pre-approved amount. USAA subsequently rejected our home loan application and denied credit. However, during the application process, they provided a completed application form with incorrect data which we were advised by the loan processor to change and re-submit which we did. Also during the application process, the loan processor referred to us by XXXX different last names and provided a response that related to another person 's account, to include data related to that person 's home loan application. We provided all documents and information requested by USAA timely and completely. At the time of initial denial we raised concerns and asked for reconsideration. They reported to us that they re-looked at the loan then responded with a third reason for denial. However, at no time did they provide information with regards to the data they were using and whether it was correct. We have serious reservations as to whether they ever used the correct data to adjudicate our loan application. We also have concerns that they may have confused our account with another in light of the emails we received for other account holders. We also have yet to receive a written notification of denial, only XXXX informal emails. USAA representatives, to include management, are now unresponsive to any of our concerns despite professional and polite emails raising these issues.
Product: Debt collection

They called me repeatedly on my cell phone, left a message saying a potential claim being filed against me regarding a transaction that I previously authorized and if I want any outcome to be known to call XXXX and ask to be connected to the Pre Legal Department and reference XXXX. They proceeded to call a family member and demand my location. They keep calling my house, my place of employment and I do not know who they are. I want to be left alone.
Product: Checking or savings account

I sent a payment to my wife, as I do often, in the amount of {$1100.00} on XX/XX/21 The payment was allowed to be sent by Chimes online app, however it did not notify I had exceeding sending limits. So at this point I had sent the money, but the recipient was unable to receive it as it stated I was over my " {$1000.00} send limit '' despite Chimes own website advertising a {$2000.00} send limit. So even were I to have done the math prior to sending I still should not have been over the advertised limit. I spend well over 30 minutes on call, majority of which was in an XXXX or on hold, with foreign employees trying to resolve this. After requesting a supervisor the employee refused to let me speak to a supervisor. I informed her I would be filing a CFBP complaint. Ultimately I had to be refunded the transfer as otherwise my money would just sit in limbo. With other banks if I am over my transfer limit it is made clear and actively prevents me from sending money when that is the case. I recommend using a physical bank or credit union, and using XXXX to send money. Do not trust Chime. They don't have representatives who can properly handle your issues or stateside management to address your needs.
Product: Debt collection

A letter from Hunter warfield was sent to me and my daughter on XX/XX/XXXX stated that we owed {$6000.00} for rent on an apartment that I co signed for my daughter. On XX/XX/XXXX my daughter was told that the townhouse that she was renting at the time was being sold to another company and she had until the end of her lease to move. My daughter moved forward and found another place to move immediately then in XXXX the leasing company told her that the new company said she could stay after she found a place and put a deposit on it. My daughter respectfully declined told them that she didnt want to stay that she sound a place and put deposit. In XXXX of XXXX we staring receiving letters stating we owe the amount stated above. We refused to pay them because they said she had to move and she had less then 2 months to do so. They sold this debt to another company who has been harassing us since XXXX of XXXX maybe before then. Ive disputed multiple times asking this new company to send is proof we owe this debt and nothing or this day. Hunter wardield has never sent my daughter her deposit and I dont expect they will. I have uploaded document I have sent to Hunter warfield and collection agency with no proof I owe amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, Experian, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX Bank, is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX institution/ and data furnisher and the Consumer reporting agencies Trans Union, Experian XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Experian, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Experian, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

Through XXXX XXXX I was approved and received three ( 3 ) notifications for loans in the amount of {$5500.00}, {$7500.00}, and {$6800.00} but upon clicking through the emailed link for {$6800.00} I was subsequently denied at SpeedyLoan. For reference : XXXX : The firm listed below is ready to set up ( 1 ) large direct deposit ( By Saturday ). 

Please review the details below and then complete the process by following the link under this message. 

Direct Deposit Details Lender : 2023 XXXX XXXX To : XXXX XXXX : Up to {$7500.00} Estimated Processing Date : Saturday, XX/XX/XXXX by XXXX XXXX XXXX  Immediately pay for things like upcoming rent, last month 's electricity bill, take a trip this Spring, or pay for anything at all. 

This process is 100 % secure + confidential. 

Confirm Your {$7500.00} Deposit Here This newsletter is part of your recent inquiry at XXXX XXXX.
Product: Debt collection

I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
Product: Debt collection

Macy 's  DSNB /Citibank refu ses to honor a settlement they made via their collection agency,  XXXX   XXXX .   XXXX   XXXX   accepted a settlement of {$580.00} as full and final settlement on behalf of their client,  Macy 's  DSNB /Citibank  on   XXXX   XXXX   XXXX    . To this da te Macy 's ref uses to write off the difference thereby directly disregarding the settlement that was made. On multiple occasions I have contacted  Macy 's   DSNB /Citibank in which cases the rep had to m ake 3-way call s with me to   XXXX   XXXX   to confirm the account has been settled. On  XXXX  I placed a call to  Macy's/Citibank R ecovery at  XXXX  and I spoke to a rep who made  a 3-way call  with   XXXX   XXXX  . The result of this call was that   XXXX   XXXX   needed to forward documents t o Macy 's  of the settlement. I was advised to wait  1 week for  an update. This call took  49minutes  of my time. On   XXXX   I placed a call again to  Macy's/Citibank rec overy an d again  spoke to a rep who had to  3-way call to    XXXX   XXXX   because   XXXX   XXXX   had not gotten around to sendin g Macy 's DSNB/Citibank the information. I   faxed a copy of the account settled and paid letter to  Macy 's and t he rep concluded that this should be resolved by the next week. This call took 31minutes of my time. On  XXXX  I call once again and now  Macy 's DSNB/Citibank ha s no idea what I am talking about and that it is my responsibility to send them the settlement offer and letter to show that I settled the account. I advised that multiple times I had sent in the letters and multiple times I had called in to check on the status. The supervisor apparently could not be bothered to come to the phone and the rep rudely advised that they are not going to do anything until I waste more of my time getting more documents that they need from  XXXX   XXXX . I am sorry but  Macy 's DS NB/Citibank if you hire a collection agency to collect a debt for you then you need to be in control of what they are doing, you are responsible for the updating of your records and the accurate reporting of my credit file. As such they have violated multiple consumer protection laws including the FDCPA ( attempting to collect a d ebt that has been settled ), the FCRA (  reporting me late after the account has been settled ) and just overall terrible customer service.