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

Dear Sir/Madam, I am writing to formally file a complaint regarding identity theft that has severely impacted my financial stability and overall well-being. This situation has been exceptionally challenging due to my medical condition and the significant hardships my family and I have endured as a result. 

I have XXXX XXXX, XXXX XXXX XXXX XXXX and ability to promptly monitor and respond to financial matters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identity theft has significantly affected my credit, preventing me from qualifying for a new, more accessible home that would greatly improve my quality of life. 

During the onset of the XXXX pandemic, my high-risk health status required strict isolation. Additionally, I was solely responsible for overseeing the online education of our XXXX children, while my husband was the sole provider for our family. 

Unbeknownst to us, fraudulent activities were occurring in my name. The accumulation of unexplained debt forced my husband and me to file for bankruptcy, which we now realize was the direct result of identity theft. Despite taking steps to address this issue, I continue to face significant difficulties, including unauthorized accounts and debts associated with XXXX XXXX, Equifax, XXXX XXXX XXXX, and Experian. 

These ongoing issues have had a profound effect on my familys quality of life. The fraudulent activities have hindered our ability to purchase a new, accessible homea critical need due to the challenges posed XXXX XXXX XXXX in our current two-story residence. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in investigating these matters and holding the responsible parties accountable. I am seeking your support to rectify the fraudulent accounts and debts that continue to cause undue hardship for my family. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation needed to support my complaint. 

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

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL XXXX XXXX ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SXXXX PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Bank account or service

I rented a safe deposit box in XXXX XXXX branch of chase in XXXX, NY in 2015. When I went to my safe In XXXX 2015, I found the hinges of my box cut and the door open ( I did not need to use my key ). The person in charge told me that they had to cut the hinges to open the box next to mine, however when I asked her why you did cut the hinges of my box and you did not inform me before cutting the hinges, she did not have any answers. She only gave a phone number to call. I called many times and asked them for at least an explanation or apology. They promised to do so but I have never received anything from them so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt disputing with Equifax, XXXX and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter of goodwill was sent to XXXX XXXX XXXX ( XX/XX/XXXX ) via email for my closed credit card account to remove the late payment history from the tradeline. The bank agreed my request dates XX/XX/XXXX and XX/XX/XXXX and provided a letter to support. I disputed this account several times with Experian with no resolution. The account was updated monthly after each dispute to reflect verified/accurate. I have attached the email sent to XXXX XXXX XXXX and the response showing the goodwill letter was accepted. I'm looking to have the payment history updated and the XX/XX/XXXX and XX/XX/XXXX ( 30 - 60 ) days late payment remark removed.
Product: Credit card or prepaid card

I received my stimulus on Friday night which was XX/XX/2021. I went to the mall Saturday to spend money for my son and after the third purchase both cards started to decline. I waited 24 hours to see if the car was going to unlock myself because you couldnt call the card number on the back because we couldnt get through. Every time you call the 800 number on the back of the card it will go to a voice message and then hang up so I could not resolve my issue with the company. Today is Tuesday, XXXX XXXX and Im still not able to use my card I have bills to pay in rent to pay and I can not use the money on my card.
Product: Money transfer, virtual currency, or money service

I went to the local bank in turlock to talk about a possible scam on my account. They sent me a. Letter saying that I had made that payment myself so they accepted the XXXX transfer to a different account.. I have been on hold multiple times by the bank and nothing ever gets resolved. I got scammed and he gained control of the online payments. And reversed them. So now I'm backed up in my payments after paying him in crypto and helping him get back. I realized he was lying about the whole thing and gained my confidence and friendship through out months. He was supposed to come back to the US in XX/XX/XXXX but is now demanding more money saying he dint Meet the agreement he had with the lawyers out there in that country. He sent me a picture of the demands. He was very demanding and was definitely a professional scammer. He made a bunch of transactions I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2018, request wire transfer XX/XX/2018, amount {$50000.00} and {$30.00} fee were deducted from saving account. 
XX/XX/2018, asked for recall XX/XX/2018, beneficiary bank has not received the fund or recall request.
Product: Checking or savings account

On XX/XX/XXXX I contact Synchrony via phone to request that my CD be closed and acknowledged that an early withdrawal penalty would be assessed. On XX/XX/XXXX, the account was closed and transferred to a new account as requested. 

I accessed my account online to document the amount of interest paid and the penalty amount for my financial and tax records. I noticed that this information was missing from the account history and that the running history balance goes from {$70000.00} to {$69000.00} without any transaction in between. The difference of {$220.00} is probably the interest paid and penalty assessed but without these being detailed in the transaction history, Im unable to determine and have no written record of it. 

I contacted Synchrony Bank at their XXXX number several times and could not obtain a response. The customer service representative made some manual calculations and provided an amount of {$10.00} interest and {$210.00} penalty but this info doesnt appear to be correct to me as the penalty amount of 6 months would seem to be higher. I asked that this issue be escalated on XX/XX/XXXX and a case # was provided to me ( XXXX # XXXX ). I was told I would receive a response in XXXX business days. I did not receive a response and proceeded to follow-up with several calls after that in which I kept being told that the issue was resolved although the account history was still missing the transactions. 

On XX/XX/XXXX I contacted the bank using the Contact Us form online and explained again what the issue was. On XX/XX/XXXX, I received a reply asking me to contact them via phone, which I did on XXXX/XXXX, only to have the customer service representative repeat that the issue was resolved. I asked to speak with a supervisor and was transferred to a person named Ever. I asked Ever to provide me with a written response via email or otherwise indicating the amount of interest paid and the amount of the penalty assessed but she said they couldnt do that either. I told them I would escalate this issue to their regulator and then she said to give her a couple of days to talk to her manager who would return the next day. 

Today, XX/XX/XXXX I received a voice mail from Ever asking me to call Customer Service. She was not available but I spoke to XXXX, a manager who said the bank would pass the recommendation that the history be corrected to the proper channels. When I asked for the information regarding interest and penalty amounts, I was told I would not receive anything in writing until a 1099-INT is issued for the account in XXXX. 

Synchrony Bank has been unable and unwilling to provide important account information that is missing from the system of record that I as a consumer rely on for accurate information regarding my account. This is unacceptable for a bank that I trust with my savings and undermine the trust that I placed on an FDIC insured bank. There is no reason why the bank cant send me a message or a letter detailing these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX, XXXX, XXXX XXXX XXXX Balance XXXX {$3500.00}
Product: Checking or savings account

Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. 

( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ).
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by US Bank. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit card or prepaid card

I have  had Sams Club/ Synchrony Bank credit card for over a year, someone fraudulently accessed my account changed my address, phone number, email, cell phone, log on and password, and my complaint is Synchrony Bank did not notify me at all. I found out by security monitoring service that saw change in my credit re port. I have been very upset with Synchrony Bank that something like this could happen without any notice whatsoever to the card holder and they insist they followed normal procedures. I do not feel safe having a credit card with this bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX about EQUIFAX, INC The company 's response to my dispute was to only indicate that the item I was disputing was not on my credit report. They did not provide me with any information on the item that WAS on my credit report ( Same creditor ). I called and they said that they couldn't authenticate me so they could not help me at all. I am not aware of the charges because I did not incur them. I need to know the details of the item so I can validate them, as they are not mine and I need to gather my proof. How can I prove a negative???? I have no idea of what the charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing Capital One ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope Capital One understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.
Product: Credit reporting

I notified Experian that an account on my credit report from XXXX XXXX should be removed and they are continuing to report it. XXXX agreed to remove their trade line from my report due to a complaint I made with The Consumer Financial Protection Bureau. I disputed the account with Experian 's on-line dispute process and uploaded the results from XXXX that clearly state the account should be removed Instead Experian is reporting it as a paid account. The letter explicitly said the item would be removed. Experian did not remove the account. I tried to call, but Experian will not accept phone calls for this report.
Product: Debt collection

i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..
Product: Credit reporting, credit repair services, or other personal consumer reports

It is with grave sadness I am writing this complaint against Credit Bureau, Equifax. Everybody knows how important credit report is. Well, I disputed bankruptcy items on my Consumer Report with Equifax on XX/XX/21 and again on XX/XX/21 and Equifax kept on being deceptive and failed to honor the state and Federal law concerning their responsibility regarding Consumer 's Right to privacy, etc. on one 's credit file. On 12/11/21, Equifax sent me another reply to my dispute saying they verified the report as correct. 

Equifax lied! They had no way of verifying my information as correct because I had placed a Security Freeze on my file since XX/XX/21 and the freeze is still in effect. Equifax has essentially violated my rights as a consumer, violated the FCRA rules, and violated the CFPB rules. I am asking this office to have Equifax delete such negative record permanently. I did not give my consent for any of the parties involved to access, share, sell or manipulate my personal consumer information, under the law. If you have further questions or concerns, please contact me by email or by telephone as soon as possible.
Product: Credit reporting

I had an account with XXXX that became 30 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being paid in full.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit limit was taken away CHASE Freedom XXXX Card. I lost from them {$9000.00} in credit in 1 day. I always pay my balances on time 100 %. I was never late in payments. I have no charge-off accounts. I have 28+ year excellent credit history overall, and I was not using more than 35 % of the balance on the card. They based their decision on false information on my credit report which was removed on XX/XX/XXXX. 

Chase Freedom Visa Card XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a XXXX  day late on my loan statement that I need to be removed and not reported to the credit bureau. 

This late is due to an un authorized removal of my auto draft on my loan account. 

There was a XXXX made to the account at the same time my last auto draft was taken, which was XX/XX/2024. 
The next month I received a letter saying no payment was due. 
The next month I when my auto draft did not come out, I did not think anything of it as I thought it was due to the XXXX payment being made and I was now ahead on my payments. 

I then received a letter in XXXX stating that my account was now XXXX  days late. 

I called the bank to ask if there was a balance due, why wasn't my auto draft paying the loan. I was told it was turned off but not sure how that happened. 

I am now trying to apply for an FHA loan and can not be approved due to this being on my statement although not reported to the credit bureau yet. 

If the auto draft was not turned off without my permission or even letting me know it was turned of I would not have been late on any of my payments. 

I have reached out to the local branch to have this removed and they can not help me. I have reached out the corporate office and they can not help me have this removed. 

The answer I received as to why it was turned off was it just was, there is not a reason. 

This negligence is now causing a serious issue with my re-finance on my home that I have to have complete ASAP due to the deadline of my divorce agreement.
Product: Debt collection

I called TSI again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX  That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account? 
In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you