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

This is my 7th CFPB Complaint to be submitted to the Credit Bureaus informing them that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for these accounts to please be removed because these are not my accounts.. 
Remove all fraudulent accounts immediately. 
Stanford Group And Assoc for XXXX XXXX XXXX for {$6100.00} XXXX for {$530.00} and {$390.00} XXXX XXXX for {$110.00} Please remove accounts these accounts are not mine.
Product: Money transfer, virtual currency, or money service

I'm trying to open a savings account with XXXX XXXX but PNC is unable to transfer the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 4 late payments being reported on my XXXX XXXX account to the credit bureaus and they are not accurate. During those times, it was Covid related situations. I should not have had those reported as late if we were still dealing with the virus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX Account Number : XXXX
Product: Credit card or prepaid card

I opened a credit card account at Macy 's at the end of XX/XX/XXXX to buy a couch. The deal was 12 months no interest. After the 12 months, the interest kicked in at over 25 %. It was my understanding that that rate would be applied to any balance left over after the 12 months was up. I made payments each month. By XX/XX/XXXX, the balance on the card was down to {$220.00}. I made a payment of {$120.00} on XX/XX/XXXX, leaving the balance at {$100.00}. On XX/XX/XXXX, I went to make the final payment on the account. This is when I discovered Macy 's added an interest charge of {$170.00} to my account. I called the customer service call center in the XXXX. I was told that the interest charge, if the balance was not paid in full within the 12 months, was retroactively applied to the ORIGINAL AMOUNT of the account. ( I purchased the couch for about {$900.00} ). I explained that this was very different from my understanding of the 12 month promotion and also noted that the most recent statement ( attached ) states that the " balance subject to the interest rate '' was {$270.00}, not the $ 900-plus original cost of the couch. I asked to speak to a supervisor. XXXX, a supervisor, came on the phone and explained that it interest was applied retroactively. He offered to issue a {$50.00} credit to the {$270.00} I am alleged to owe Macy 's. I told him that I was angry and disappointed. I requested he close the account, give me the final balance minus the {$50.00} and that I would pay that. So I 'm swallowing {$120.00} because I know that it could take time to resolve, and apparently interest will keep accruing on the original balance. I am not a person who can afford a random {$120.00} here or there. I feel I 've been cheated by the issuer of this card and by Macy 's and I 'm tired of feeling that I 've been taken advantage of. Ultimately, I 'd like a {$120.00} refund from Macy 's.
Product: Credit reporting

I was online ( AnnualcreditReport.com ) requesting my credit report from all three reporting agencies. I got a message from Experian indicating that I had already received my report - see below. This request today is the first request I have made in over three years. I attempted to contact Experian ( XXXX ) and was routed to a automated system wit no option for speaking with a person. I was able to find another number ( XXXX ) - this is for subscription support. Here I was told the number ( XXXX ... ) was the only way to get in touch with Experian Credit Bureau and I was welcomed to request/access my credit report at freecreditreport.com . 
What I am having a very hard time with is the fact that this company is a " public '' company that sells credit support services and is also supposed to also provide a mandated service to the general public. They are not meeting this mandate! Providing a number that does not facilitate any option for problem resolution is derelict and should be addressed. They can not serve two masters. This is the same agency who dropped my fraud alert statement and refused to update it after I had my identity stolen. I am very concerned that their system is indicating that I have received a report which is not true and I have no way to find out additional information or speak with anyone concerning the matter. However, if I had an account I would have been assisted immediately. What exactly are my consumer rights when it comes to getting the support necessary from theses agencies? 
If my experiences are any indication of how they comply with the mandate they are given then, consumers need protection from Experian! 
Here is the message I received : Annual credit report can not be accessed**Attention! 
Our records indicate that you have already received your free annual credit report from Experian. Would you like to request your free credit report from freecreditreport.com*? *****The XXXX.com report will be in a different format than the XXXX Report, but will contain the same type of credit information and inquiries that a lender or creditor will see when they check your credit. 
You may also purchase a full credit file disclosure on our site for a fee of up to XXXX, which displays all inquiries for your credit report, including inquiries which are not disclosed to creditors. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer reside at any of the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Please update soon as possible
Product: Debt collection

On XX/XX/year> I reported to my doctors office ( XXXX XXXX XXXX, XXXX, XXXX ) for my annual wellness exam. During my exam the doctor and I discussed my medical concerns as anyone would during their wellness check. Fast forward, a couple of weeks later, I received a bill for an office visit ( {$25.00} co-pay ). Also on the bill was the wellness visit. I called the doctors billing office and told them that this visit was exclusively a wellness visit and it is completely covered under my insurance plan. After several more conversations, including XXXX with the office manager, the medical organization would not report my visit to my insurance provider as a wellness visit only. So in essence, my insurance provider was charged for XXXX visits at once. Blood work was ordered for me at the time of the visit and that work also should have been completely covered under the wellness insurance guidelines. It was not since the office visit bill took precedent, so now Im out the {$25.00} co-pay for that service.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, XXXX said the what they are reporting is accurate... attached is my credit report saying it's not .... obviously they didn't do an investigation because my credit report is still the same ... ... dates and amounts are wrong!! you can see it for yourself ... ..that 's a violation... let 's not waste each other 's time and correct the situation!! I'm tired of going back and forth... IF THERES INCONSISTENCIES DELETE IT! 


this is for the XXXX XXXX XXXX XXXX and account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. 

I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )
Product: Mortgage

ON XX/XX/2018, I RECEIVED THE XXXX XXXX REVERSE MORTGAGE LOAN STATEMENT WHERE I SEE THAT XXXX XXXX   GOT XXXX FROM Y LOAN PRINCIPAL LINE OF CREDIT TO BUY FOR ITSELF A HAZARD INSURANCE WITHOUT MY CONSENT. I DON'T NEED AND I DON'T WANT SUCH ADITIONAL INSURANCE BECAUSE I HAVE THE PROPER HOME INSURANCE REQUIRED BY LAW .I SENT A COPY OF MY HOME INSURANCE TO XXXX XXXX, ALSO I CONTACTED BY PHONE A REPRESENTATIVE OF XXXX XXXX TO LET KNOW I CAN'T AFFORD THE ADITIONAL HAZARD INSURANCE. THEY IGNORED ME. 
BEFORE ALL THIS, XXXX XXXX SENT ME SEVERAL LETTERS WHERE THEY WROTE THAT I WAS XXXX, THEREFORE THEY WILL DO A FORECLOSURE OF MY PROPERTY. IN MY OPINION THAT WAS A THREAT TO GRAB MY PROPERTY. ( SEE THE LINK : TOP 33 REVIEWS AND COMPLAINTS ABOUT XXXX XXXX ON THE CONSUMER AFFAIRS SITE, WHERE PEOPLES SAY " XXXX XXXX IS A LAND GRABBER ''. ALSO AT THAT TIME, XXXX XXXX GRABBED FROM MY PRINCIPAL LINE OF CREDIT XXXX FOR A FAKE PROPERTY APPRAISALTHAT NEVER HAPPENED. 
EACH LETTER OR PAPER THAT I RECEIVED FROM XXXX XXXX   CONTAIN THREATS. 
XXXX XXXX GOT MY LOAN ACCOUNT FROM XXXX WHERE I STARTED MY REVERSE MORTGAGE LOAN. I'M FEELING ABUSED FOR XXXX XXXX. 
WOULD YOU PLEASE HELP ME ABOUT THIS ISSUE? XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.
Product: Checking or savings account

I received a direct deposit of XXXX on XX/XX/23. Chime bank closed my account for insufficient funds on XX/XX/23 with {$310.00} in my credit account. With no email or notification on the account closing. They said they will be mailing me a check which takes 30 days to receive to the address I dont live at anymore. I been calling for 24 hours. They refuse to update the address or send me my money back to me. They stole funds that I worked for from my job. Rent is due tomorrow! And I have {$310.00} gone!! Im so mad! They will only contact through email. No one on the company is trained enough to update the address to to transfer funds to an external account. I just came from being homeless in XXXX. To get into another apartment and have to wait 30 days for my check will make me homeless again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I last reported Experian to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a mortgage loan and the loan officer was not able to get my XXXX  report and shows there is fraud on the account, I called XXXX to see what is going on and I was told there is nothing wrong from their side we tried again and again no luck. 
We ended up getting Experian report that showed some incorrect information that couldn't be disputed online due to fraud. I called Experian to fix the problem of not letting me access my report online to see what is wrong and dispute it I was told that they can't do anything about it, I asked to speak to the supervisor from Experian he said he can't do anything thought I have the right to access my report online just like every single person in this country. all I ask now is Experian unlock my online dispute option so I can look at what is there and dispute accounts that doesn't belong to me.
Product: Debt collection

Ive already been in communication with Debt Recovery Solutions who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. 
I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that my credit score had dropped by XXXX points due to overcharging my credit limit on my Bank of America card. On XX/XX/2022. I made an online payment of {$12000.00}. which then put my account at XXXX. My due date for payment was not until XX/XX/XXXX of XXXX. On XXXX XXXX Bank of America pulled another {$12000.00} out of my bank account. I called BOA and XXXX XXXX Bank to stop them taking another {$12000.00} out of my account which I did not authorize. 
I called BOA on that day and given a supervisor name and email to send a copy of my statement showing the money was taken. She was suppose to call me back and i never heard from her. she insisted that the statement showed my balance and other personal information that I was suspicious of. I sent her the info she needed to return my money within three days. I sent the email on XX/XX/XXXX to : XXXX Never heard a response from her, or return my calls as promised. 
I called again on XX/XX/XXXX was hung up on then could not get through to a human after several calls. On XX/XX/XXXX, The first was XXXX from Texas, who had me give her my bank acct number my bank routing number and a lot of other information. when she gave me the information back she kept changing the routing number to a different bank. then she told me I could not change my bank routing number because that was the one on file. I looked up the Bank Routing number and it was for A XXXX XXXX XXXX  that I never heard of. I spoke with three different representatives one named XXXX told me the only way they could return my money was by check and that would take up to 90 days to get a check. I asked to speak to a supervisor was routed to another person and left my phone number for someone to call me back. I have made so many calls to BOA I only get excuses. One tells me the money will be in my account in three banking day. Did not show up. I call again give them all my information and then told to wait another 10 days. It is now 18 days and they just told me it will take another 30 days to get my money back. Now it does not even show as a credit on the account. The money is no where. not in my Bank and BOA took the additional payment off my account. 
There is something very wrong about the way they do business. I want my money returned yesterday.