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

I am filing this FTC Identity Theft Affidavit to report thirteen fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts consist of credit card accounts opened at various creditors on different dates under specified account numbers and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.
Product: Checking or savings account

Problems with U. S Bank- I own a construction company and bank with US Bank . I have been a customer for less than 1 year. I have been very satisfied with the services until the day I requested to with draw a large amount. I walked into the branch here in XXXX, OH. I was notified by a male MGR. that I wasn't allowed to with draw such a large amount from my own account. I work hard for my money and felt my right was taken away. No explaination was given to me. I then went over the second US Bank and requested to with draw a large amount of money I was told she will have to order it and it will be in a certain day. That day came and I was told I that it wasn't going to be possible. I called customer service and they gave me the run around. On XX/XX/XXXX, at XXXX XXXX  a lady by the name of XXXX XXXX from US bank located at XXXX XXXX XXXX and told me I have 2 choices. Choice number 1- I can pick up my check for the full amount the next day XXXX XXXX and my account will be closed and walk out or choice number 2- my account will be closed and the check will be mailed to me. I was speechless. No explanations was given to me on why my account was closed. I called customer service. They told me no notes were provided that I was talking to XXXX XXXX on how she was going to close my account. I did not show up this morning XX/XX/18 at XXXX XXXX  at that branch. I called customer service to seek for answers. My results were none. My account is now closed and my bank card doesn't work. My account is closed for the fact that I requested to withdraw a large amount. I feel very discriminated and racially profiled. I have check stubs to back my funds up. I will never bank with US Bank. Terrible bank to bank with. I will tell my colleges, family, and friends about my situation, because I don't want what happen to me to them.
Product: Credit reporting or other personal consumer reports

Equifax has some accounts I never opened showed on my credit report. These records make some trouble with my background check when I want to open checking account with some banks.
Product: Checking or savings account

Am. Express Personal savings sent a letter to inform me that a deposit account was opened in my name at American Express National a Bank. It was opened without my authorization. As a result, Am Express closed this account. My account # ends with h XXXX. I was informed by Am Express that the applicant had access to my name, address & Social Security number.
Product: Debt collection

XXXX I started receiving unsolicited calls from XXXX XXXX XXXX XXXX XXXX  ( new collection agency ), I explained I wasn't sure what either one was talking about, and please stop contacting me. That my information and credit reports was part of a MAJOR Breach here in Texas. I request from each Bureau EXPERIAN, XXXX and XXXX to remove this information because I don't have any knowledge of this account, AND or send information with my signature, proof of residency at that location, and to no avail they did not and ALSO, they added stuff to my report that is not true.
Product: Credit card

I have tried for over 30 year to apply for a simple credit card. Either through my banks or XXXX. I have applied for XXXX to Kohls just for school clothes for the kiddo 's, I get a denied. 
I made {$72000.00} last year and still denied. I paid off my 5 year car loan with 97 % on time My payments were through XXXX XXXX in XXXX XXXX. I received my pink slip and the purpose was to Build Credit. Its at XXXX?
Product: Credit reporting or other personal consumer reports

I was notified that all of my personal information was leaked in a recent credit reporting agency data breach.
Product: Money transfers

I bought my item on the phone through paypal, told me he will deliver it next day. Next day comes tries to get more money out of me.
Product: Mortgage

In XX/XX/2021, our mortgage payment was {$1500.00} instead of the normal {$1100.00}. I paid it and thought it was the difference for insurance. XXXX came around and it was high again. After tons of call and inquiring, they filed my property tax incorrectly. I got the necessary paperwork to them. They told us to use the 15 day grace period to allow them to correct the numbers and pay our mortgage. They say we will owe {$1500.00} this month. We should get a lower payment plus last months overpayment reimbursement. Ive called 29 times. Ive been told to shut up, Ive been hung up on 5 times. I get told different things every time. No one knows what to do or how to help. They just say pay the {$1500.00} and they will fix it. I need to know what happened to the {$600.00} escrow check they sent out, when it will be fixed, and to be certain it wont reflect on my credit score. Most unprofessional company Ive ever experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with the reporting of a company called XXXX XXXX XXXX DBA XXXX XXXX XXXX. They continue to inaccurately report things on my credit, causing hardship. The 1099 shows that the debt was cancelled as of XX/XX/XXXX, yet it is still being reported negatively on my credit past that date, showing I have a negative payment history from XX/XX/XXXX until now. How is it negative if it is cancelled? I have also attached the certified mail letter I sent to the finance company, which they refused and returned to sender. I would like this account completely deleted from my report as they refuse to cooperate and / or report accurate information.
Product: Debt collection

On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA.
Product: Checking or savings account

XXXX  XX/XX/XXXX my employer attempted to send my payroll via direct deposit to Juno which is the financial service where I have a checking account and digital wallet. The funds still havent shown up in the account. I reached out directly and received an email stating that the accounts are frozen unbeknownst to Juno as the bank that backs them is a partner and didnt provide them with notices as to why. They also said that my direct deposits will be returned to the source. To date ( XX/XX/27 ) my HR department has not received the funds back.
Product: Credit card

XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed?
Product: Checking or savings account

First issue : Following an advertisement I saw online for a new bank account bonus at Citibank, I opened an account on XX/XX/2022, signed the new client documents with docusign, and deposited {$50000.00} in the account writhing XXXX days of opening the account ( as required by the offer ). XXXX  days after that XXXX day post account opening, I earned the {$700.00} bonus. The agreement said I would be paid the bonus within XXXX days after I earned the bonus. I submitted a XXXX as required by the offer to receive the bonus. XXXX  days was around XX/XX/XXXX. It is XX/XX/XXXX and I still have not received the bonus. I have spoken to Citi and used their chat function many times in the last few weeks. The customer service reps have provided conflicting information and also information that contradicts the paperwork they sent me and the advertising disclosures ( which I have ). Most recently, a rep told me on the phone on XX/XX/XXXX that I would be paid the full {$700.00} bonus on the XXXX. I still havent received the bonus. 

Second issue : A previous rep on their chat system said I had not earned the {$700.00} because my account went below {$50000.00} for a month. This is false. I had moved {$10.00} from the savings account to the checking account so it would not be closed. The term of the deal said the amount on deposite is the aggregate if both accounts. However, I noticed that Citi has been deducting federal tax withholding from the savings account every month. They should not be doing that. I provided my SSN when I opened the account so they should give me a XXXX after they pay the bonus but there is no justification for them witholding. Additionally, they started withholding BEFORE they paid any interest into the account and they apply the witholding before they debit the monthly interest on the account. If theres no interest income, how can their be tax withheld? And wouldnt the interest income always exceed the withholding such that the balance in the account would never go below the initial deposit? When I asked a Citi employee about it, he could not provide a reason why they were witholding taxes. Seems like a ploy to disqualify people from the bonus they earned. 

Third issue : just an FYI to anybody else who does a CITI offer. If you ask customer service reps whether you can withdraw your funds after youve earned the bonus, some of them will say you have to leave it with Citi until the bonus is paid ( clearly wrong and not required by the agreement but nice for CITI to hold your money XXXX ). Others will say its totally fine to withdraw the funds after youve earned the bonus.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I seen a bunch of inquiries that I do not recognize I asked for all the items to be removed. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquries are misleading and there is inaccurate information associated with them. There is unauthorized use of my name and likeness, and i would like these removed
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I disputed it with XXXX and Experian they both denied the claim stating XXXX XXXX Provided proof. I had legal service req proof and the submitted a ledger from XXXX XXXX which was a former property manager for The XXXX XXXX in XXXX TX. 

I sent proof I didn't owe the full amount to XXXX XXXX and the bureaus. The Bureaus responded " we are not required by law to dispute a second time '' My complaint is against the Bureaus, XXXX XXXX and XXXX XXXX. They are holding me up from buying my house.
Product: Debt collection

XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of XXXX Bank of New York Mellon ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The Bank of New York Mellon on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The Bank of New York Mellon is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Product: Credit card or prepaid card

XX/XX/19 - I made an online purchase to place credit on an Uber card for {$48.00} XX/XX/19 - Additional charges started appearing on my charge card ( {$48.00} + {$24.00} + {$24.00} + {$24.00} = {$77.00} ) XX/XX/19 - I attempted contact Uber. Received a recording that saidn I needed to go to their online service ( XXXX ). I sent an e-mail ( XX/XX/19 @ XXXX XXXX ) requesting assistance to resolve the above matter. 
XX/XX/19 - Additional charges started appearing on my charge card ( {$24.00} + {$24.00} = {$49.00} ). I called my bank, had my charge card cancelled and requested they investigate the fraudulent charges. 
XX/XX/19 - no response from Uber. No phone numbers to contact them. Totally unacceptable for a business in the US to have no means of contact with the public to resolve such matters. No excuse for them not to return a requested call for this type of problem -- it's as if they don't care about the {$120.00} fradulently charged to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on two occasions and simply asked for a Transunion affidavit victims assistance form mailed to me and the same woman tells me that shes not sending one to me and I can get it at the FTC website triple www .FTC site to get a Transunion identity theft assistance form I know the FTC would not have this because its the FTC not TransUnion Im being denied of getting a simple form and I feel this is a violation Im reaching out to get this correct form that Im being denied of Please advise Thank you sincerely XXXX XXXX. 
Last XXXX of my as is XXXX
Product: Vehicle loan or lease

Hi, We are a repair facility and XXXX XXXX and Westlake Financial Services have denied to pay a claim that was under their policy. They sold the XXXX  XXXX Warranty product knowing the vehicle is lifted and have oversize wheel and tires. Later when we submit a claim for customer, they declined the claim and said they can not cover the claim. 

Westlake is under the supervision of the CFPB. The CFPB has broad enforcement authority to prevent unfair, deceptive, and abusive acts or practices ( UDAAP ). ( 12 U.S.C. 
5536 ( a ) ( B ) ( 1 ). ) We believe that Westlake and XXXX XXXX took money from customer and still haven't paid the claim we are entitled to.