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

Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.
Product: Debt collection

American Express continues breaking the FDCPA laws established for debt collection. With a balance around {$800.00} and a past due amount of {$38.00}, American Express called both my cell phone and home phone On a SUNDAY after the legal time frame of XXXX per FDCPA. This is the second week in a row that American Express has called past XXXX.
Product: Credit card

I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for. 

My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this and get back to me when you can. I appreciate your assistance in this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX - This charge-off account shows a {$380.00} balance. The balance should not be reported after it was a charge-off. Also, the dates last activity is shown differently on the report ; XXXX shows XX/XX/XXXX, Experian claims it was XX/XX/XXXX, while XXXX shows XX/XX/XXXX. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian are reporting incorrect information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding adverse information present in my consumer report with Chex Systems. I hereby demand a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws
Product: Checking or savings account

I received a check from a user with {$2800.00} on XX/XX/XXXX and made the deposit to my Chase checking account. The status becomes from pending to deposited on XX/XX/XXXX and balance increased by {$2800.00}. After I saw the amount came to my account, I made a payment {$700.00} to the user too by Chase XXXX quick pay within the Chase.com. On XX/XX/XXXX, the check shows returned, the bank deduct {$2800.00} from my account, and I tried to contact the user, the user doesn't reply the message/phone/email. So I contacted the Chase bank, they just tole me nothing they can do from their end. The chase continues to deduct the amount from my account, and can not reverse the following payment I did. Chase has very misleading information which is a high risk for all the customers. It shows the money came to my account then reverse it the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

This law office revealed to me that a named third party has a debt in collection. This may be an attempt to harass me because I filed a CFPB complaint against another debt collector a few days prior. 

On XX/XX/XXXX, I got a message on my answering machine from a representative of the Brett M. Borland, P.C. law office about a debt. Today, on XX/XX/XXXX, I called that representative, and she confirmed via transparently evasive language, that someone else has a debt in collection. 

The timing seems suspicious to me, because a company called XXXX, in response to my complaint # XXXX against them, stated on XX/XX/XXXX. that my " telephone number has been removed from our system. Additionally, we have placed the telephone number on our internal Do-Not-Call directory ''. Note, their language does not exclude passing my number on to a third party. Two days later, I get a call from a law office, looking for the same person to collect a debt. 

It seems reasonable that XXXX passed the collection file to a law office as a means of harassing me in retaliation for filing the complaint. The Borland law office representative told me specifically that they are not associated with XXXX in any way. She also had no interest in finding out her firm had possibly been used as a harassment tool, and hung up on me when I tried to enlighten her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected conusmer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.
Product: Debt collection

On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to portfolio recovery. I made an offer to settle the 2 accounts for less and they contacted Portfolio Recovery and the offers where accepted and agreed to remove the accounts. 
XXXX account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my bank account on XX/XX/2020. 
XXXX account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. Portfolio recovery has gone and instead of zeroing out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by portfolio recovery and instead of fixing the problem Portfolio Recovery wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
Portfolio recovery also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.
Product: Student loan

I applied and was approved for a loan to refinance my already refinanced student loan on XX/XX/XXXX. Both my original loan and the new refinance loan are through SoFi. The newly refinanced loan was dispersed on XX/XX/XXXX. SoFi made an error and used the new loan to pay off itself on XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX, they were charging me interest on both loans. In addition, they have been charging me at the higher interest rate since XX/XX/XXXX because of their mistake. This is the definition of theft. This extra interest money that they have stolen from me could be going to pay down my principle. In addition to their egregious error, after many hours on the phone because their customer service sucks ( I once spent XXXX hour and talked to XXXX different people without getting any help ), they magically have not been able to fix the issue. How convenient. Now they get more interest money out of me. 

Times I have contacted them with minutes spent on the phone : XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes I was promised a call back 2 times, never came. Got hung up on once because the customer service agent 's connection was bad once. Every time I call I am told that the last agent did not submit the right request.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!
Product: Checking or savings account

PayPal is charging, without permission, checking account, when credit card is declined. It puts it's customer at risk of running into financial problems, with the bank which it's charging without a permission, due to unexpected event with the credit card security check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.
Product: Credit card

This is regarding dispute XXXX opened with American Express against the XXXX merchant for XXXX order # XXXX. 

the issue is quite simple but I think American Express is discriminating against me because I am XXXX and not taking my word for honest word. I did not receive any of the items I ordered in this order, all the XXXX trackings say the merchandise is missing from the packages, and even the XXXX merchant via email acknowledged the items were lost in transit and i am OWED a full refund. 

I don't know how american express could deem the charges valid when the merchant themself says the items were lost in transit and I am owed a refund ; further, ALL the XXXX trackings for the order state the merchandise was missing from the package. Thus I am owed my money because i did not receive any items i paid for..quite simple.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was due to receive my paycheck by direct deposit to capital one checking account on XX/XX/XXXX and as of XXXX XX/XX/XXXX ; my paycheck has not been deposited causing me XXXX to miss payments and now my account is in the negative. I have made multiple calls to capital one and received many false and misleading responses regarding resolution to this issue.
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy on my credit file tact is more than two years old. The Bankruptcy in question is listed on the credit bureaus website as Discharged. My case was discharged and closed at the same time. I have certified court documents stating that the estate was closed. I asked the credit bureaus to update the information they have listed on my bankruptcy status from discharged to closed. I included copies of the court documents in my request. Transition and Experian investigated my request for weeks and still took no action in updating the status of my bankruptcy listing. They sent letters to me explaining that after their investigation the actual bankruptcy is valid, and completely ignoring the fact stated in the certified court document and by my request that the listing of the bankruptcy be updated to closed.
Product: Payday loan, title loan, or personal loan

They made me send hundreds of dollars for fees I knew nothing about. Each time telling me it would be the last payment and I would receive my loan. Which never happened. An additional fee popped up every time. And they wanted more money. Almost more money than the loan itself. I have asked for a refund of all the money I sent because I got fired of additional fees popping up. Ive received nothing. They stated I would receive my money via check. I never got it. Called and asked about it they ask for my address as if they were sending it now when it should have been sent. They did this twice. They stop answering my calls. All I want is my refund of the money I sent. It has been about 2 months..
Product: Credit card

I opened a new checking account in XXXX. My husband pass away in XXXX and I needed to close our joint account. All my bills are auto pay and I set them up with the new checking account. I had JCPenny 's, Amazon Prime, Lowes and Verizon Wireless with Synchrony Bank. Every payment I made to Synchrony Bank with my new account number and routing number was denied and subsequently they cancel my charge cards. 
I called each part of Synchrony Bank that dealt with the individual cards, gave them the account number and routing number over the phone and tried several times to rectify the situation. Each time you receive a different answer. When a supervisior is on the phone they can 's resolve the problem. On XX/XX/2024 I faxed JCPenny Synchrony back my bank statement for the past 2 months and a voided check, The letter I received back did not even address the problem, just said the bill was paid. When I called JCPenny 's Synchrony Bank again on XX/XX/XXXX, I pleaded with XXXX XXXX to verify that the account number they had indeed matched the check I faxed to them. She verified that they matched!!! But she could not do anything about it except to send the information for review to their back office. 
On XXXX XXXX a representive from XXXX XXXX XXXX Bank called JC Pennys Synchrony bank and got the same run a round. 30 to 60 days to resolve this problem that they made. I am XXXX, my credit rating is XXXX. I always pay my bills, never a late fee and never credit cards cancelled becasue this bank will not address the problem and the proper people to help with not accept the phone call even from a bank representive.