23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.
Product: Checking or savings account

I was trying to open a credit union account in Washington state where I now live and was turned down because Bank of America reported me up XXXX XXXX for XXXX  if my account who XXXX I was not aware of any wrong doing.
Product: Credit card

I opened a Chase Sapphire Reserve credit card with a {$550.00} annual fee. It comes with a XXXX XXXX benefit, which allows access to the airport lounges. The pass takes 7 business days to activate. I had to travel before the pass was activated, so I called Chase customer service to ask what could be done. 
They asked me to use the XXXX XXXX lounge charge the fee to my credit card and call Chase later to request a refund. When I called them later to request a {$190.00} refund, the customer service said they could not issue any refund for this service. Although he accepted that the customer rep I called earlier didn't provide the complete information to me. So I am asked to bear the {$190.00} fee for no fault of mine. I called the customer service to do the due diligence before incurring this charge. Please help me sort out this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violating the FCRA. I filed a dispute something they say they have investigated but upon checking no investigation was made. They are verifying a fraudulent account as accurate an account that has been correct on other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation is Beyond Violations of my Rights under F.C.R.A!. 
On XX/XX/XXXX I submitted a Subsequent Complaint with CFPB # XXXXXXXX XXXX FTC Identity Theft Report # # XXXX ( See blow Also Attached to CFPB # XXXX ) Attached to CFPB Complaint are All Supporting Documents of : ID ( XXXX XXXX 's ), FTC Identity Theft Report XXXX # XXXX ), Equifax Fraud Letter ( Credit File Not Found ) and Other Documents Supporting My Complaint and Specified Remedy!. 
Today XX/XX/XXXX I received a Letter from XXXXOnce Again Playing Games with My Federally Protected Rights under FCRA and with FEDERAL LAW ( See Attached Document ) Which states " they Equifax '' Will Not Block or Delete Accounts Reported to FTC Identity Report # XXXX Due to " Identification Documents '' NOT SENT and NOT SUBMITTING FTC IDENTITY THEFT REPORT ( SEE ATTACHED DOCUMENT ) Equifax Sends me This Ridiculous Letter and Clearly Avoids Responding to CFPB Complaint on CFPB Site in Hope to Subvert Federal Law and Continue to Violate my Rights!!! 
This Is CRIMINAL and again a Clear Game of Stall, Delay, and SUBVERT Complying with Federal Laws Outlined Clearly in Original Complaint and Previous Complaints. 
At This Point I Herby Call for CFPB to Fine Equifax, Enforce Federal Law and Grant My Remedies without waver as Outlined in Original CFPB Complaint # XXXX Equifax has Caused me 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. Mental Anguish My Life has been Destroyed by Equifax due to their Clear Negligence, Non Compliance and Aggravated Theft at this point. I havent been able to buy a house, or secure Financial Credit opportunities with Banks or Institutions which has caused me XXXX XXXXXXXX and XXXX I Pray CFPB would Terminate this Gross Violations of my Rights and Criminal Breaking of Federal Law ORIGINAL COMPLAINT : XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. 
CFPB Equifax XXXX ( XXXX XXXX XXXX CFPB Equifax XXXX ( XXXX XXXX XXXX  CFPB Equifax XXXX ( XXXX XXXX ) CFPB Equifax XXXX ( XXXX XXXX XXXX Equifax XXXX XXXX ( XXXX XXXX  ) CFPB Equifax XXXX ( XXXXXXXX XXXX XXXX Eqifax Final Dispute.docx ( XXXXXXXX XXXX  ) CFPB Equifax XXXX ( XXXXXXXX XXXX XXXX  CFPB Equifax XXXX ( XXXXXXXX XXXX XXXX CFPB Equifax XXXX ( XXXXXXXX XXXX ) Identification Docs.jpg ( XXXX XXXX XXXX Equifax FTC XXXX ( XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows a new erroneous balance entry of {$34000.00}, posted by XXXX XXXX XXXXXXXX, which was reported on XX/XX/year>. When I contacted XXXX right away, they told me that the issue will be fixed in 90 days and that it was a duplicate entry brought on by their move to a new web platform. They claimed that Experian was to blame for the problem and that they did not experience it, which I told them was unacceptable as it was negatively affecting my credit score. I tried to call Experian, but I've been on hold for a very long time and they won't answer their phones. Please help me. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 2 disputes to TransUnion regarding a collection account from an unknown debt collector and creditor. While disputing this account online with them my credit went up then when down again, twice. They have told me that this account has been verified but I have never received any notice or validation letter from this collector, I simply do not know who this company is or what they are trying to collect money from me. I have placed a complaint with the XXXX  and I'm currently waiting to hear from them.
Product: Debt collection

In XX/XX/XXXX we purchased a timeshare with XXXX XXXX in XXXX FL. In XX/XX/XXXXXXXX XXXX of XXXX transferred our property to XXXX XXXX in XXXX FL. We did not want that property. We did a quick claim deed with XXXX XXXX in XXXX, FL and we did not own this property any longer. XXXX was also involved in this matter - they house points and maintenance for the properties involved. XXXX was sent a copy of the quick-claim did from XXXX XXXX at the time it was entered into files at the courthouse, so that dues and maintenance monthly payments were stopped. After numerous calls to make sure that this was taken care of - I again sent it to them in XX/XX/XXXX. They state that this was not sufficient to stop the dues piling up and that I still owe dues on this property for the maintenance. When they contact me it is usually the same voice and he threatens me to take me to court and make my life a living XXXX. He has said I was trash and he would make sure that this never falls off of my credit. I have tried to explain to him the whole story and he states that they have the quick claim deed but that does not matter to him. 
I need help getting this removed from my credit ... I have nothing else bad on my credit and there is no explaining to XXXX. I do not owe any dues - I do not own the property. 
We followed the steps we were told to do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.
Product: Credit card

My Best Buy CitiCard was hacked for XXXX XXXX, XX/XX/XXXX. I paid-off said Best Buy card after my XX/XX/XXXX purchase for TV mount installation. 

I reported fraud/dispute charges to Best Buy Fraud Department twice . First time they denied it and requested more information. I gathered the entirety of said information they needed and snail-mailed. Fraud Department denied my claim, again.

It is now XX/XX/XXXX -- I am still in dispute with Best Buy over {$900.00}. However my Best Buy CitiCard website account has been XXXX now. I was on the phone roughly XXXX minutes with XXXX XXXX, paid {$40.00} to figure out why my Best Buy account has been XXXX but I still owe and can not pay as interest is compounded, but Best Buy says " consumer does not have to pay while in dispute, '' which is XXXX  that interest is compounded but consumer does not have to pay. Sounds like XXXX XXXX to me... 

So here I am, informing FTC. This is the XXXX time I've been hacked by someone on Best Buy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate address information on my credit report. The addresses listed do not accurately reflect my residential history, and I request that the incorrect information be updated accordingly. 

Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX 
XXXX, XXXX Previous Addresses :XX/XX/XXXX Issue : The addresses listed on my credit report contain inaccuracies, including addresses where I have never resided or addresses with incorrect formatting. These inaccuracies could potentially affect my creditworthiness and the accuracy of my credit report. 

Requested Action : I request to conduct a thorough investigation into the inaccurate address information listed on my credit report and make the necessary corrections to ensure that only accurate and verified addresses are reported. 

Furthermore, I request that any addresses that do not belong to me or are incorrectly formatted be removed from my credit report promptly.
Product: Debt collection

Plaza service is trying to collect a debt that I don't owe that I never owed and I never made a payment on this is not my account. I have provided the ID theft documents this account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

AD Astra has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked AD Astra to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt. 
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that AD Astra is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By AD Astra continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with AD Astra stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay AD Astra for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. AD Astra has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX, I authorized a cash withdraw of {$400.00} from an ATM at Citizens Bank at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The transaction was completed and the fund was withdrew from my XXXX  XXXX Checking Account via my bank debit-card ( XXXX ) : ATM transfer receipt record # : XXXX SEQ # : XXXX XXXX Debit XXXX Total fund withdrew from my checking account : {$400.00} ( including {$3.00} service charge ). 

Unfortunately, because of a mechanical problem with the ATM dispenser, no cash was dispensed, and the display told me to cancel the transaction with the bank. I proceeded to speak with the Citizen bank manager who told me that its ATM are not operating correctly and that I should contact my own bank XXXX XXXX  XXXX XXXX  to dispute the transaction and to recoup the fund ( {$400.00} ). He further stated that he can neither help nor to provide a record of this failed transaction. 

Being dissatisfied with his response or the lack of it, I called the XXXX XXXX Police to file an incident-report of this issue. An XXXX, XXXX XXXX, was dispatched and created a case : XXXX of this dispute. 

I contacted my Bank, which responded by stating that it can not pursue my dispute as I had legally authorized this ATM transaction and must pursue the return of my funds ( {$400.00} ) through Citizen Bank which had withdraw the same amount from my checking account or to file a petition with the Courts. 

I have tried but am unable to reach any responsible person from Citizens Bank which is denying any obligation to address this dispute or to return my missing fund. Given no other recourse, I am filing a complaint through your Bureau in hope of resolving this issue without the need to pursue justice and missing funds through the legal due process. It seems that it is recurring issue with Citizen Bank and its multiple ATM machines. Perhaps, we can prevent further distress and losses to banking-consumers by auditing Citizens Banks ATM transaction-records and requiring them to take prompt action to return consumers funds in future disputes. 

I thank you for your help.
Product: Checking or savings account

On XX/XX/XXXX I checked the mail and noticed two packages from TDbank with checkbooks I never ordered because I do not have an account or accounts with that bank. I called TDbanks costumer service number to see if the accounts actually exist and I entered the last 4 digits of my social and it actually took me to account information. I then hung up and call TDs fraud number. The checks have my address but both have phone numbers I have never seen before.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$730.00} XXXX XXXX Date Opened : XX/XX/16 Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9600.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

XX/XX/2016 Saturday - Check cashing practice correction requested We received XXXX checks that today we tried unsuccessfully to cash at the United Check Cashing franchise addressed above. A cashier employee who identified herself as XXXX refused to cash my IRS refund check written XXXX Department of Treasury and my refund check from the XXXX XXXX XXXX Department XXXX XXXX. The cashier XXXX XXXX XXXX told us that she would not cash the checks because they were both presented to her more than 30 days since the issue dates. Issue dates XX/XX/2016 for the XXXX of Delaware check and XX/XX/2016 for the XXXX Treasury check. The state check indicates that it can be cashed for up to 6 months past issue date and the XXXX treasury check indicates XXXX year processing from issue date. 
I shared with XXXX that I am frustrated with what amounts to arbitrary check cashing experience at United Check Cashing. I have utilized various United Check Cashing services for more than 30 years in XXXX but nowhere has the experience been more unpredictable depending upon the cashier encountered for the transaction than this XXXX, Delaware, XXXX XXXX XXXX XXXX franchise. 
As XXXX told us that she would not cash my checks ; she directed my attention to a sign on the wall visible during exit from the establishment that reads in part, '' we do n't cash checks over 30 days. ' I reminded XXXX that the only IRS check that I have ever cashed unless it was direct deposit ; was more than 30 days past issue date, including here. 
United Check Cashing practice is harmful and provides for at will ; discrimination. As a XXXX person ; it was a struggle for me to enter the United Check Cashing establishment ; let alone enter with assistance and be denied service. The actions of United Check Cashing would have caused me to have to discard the checks XXXX money ) had it not been for the secondary fact ; that XXXX Bank cashed the checks readily and happily. When I contacted United Check Cashing to get the owner contact information ; XXXX in rude behavior practice ; hung up the phone which was on speaker phone on my end and open to myself and a family member present. 
Please remedy the actions taking place at this United Check Cashing franchise so that people who have limited options are not forced to throw away IRS or XXXX checks.