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

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I reduced a letter via certified mail, had to sign for it on XXXX XXXXXX/XX/XXXX, upon review it stated I would be getting sued if I did not contact them for payment agreement plan. 
Upon contacting Chase, they stated I had to two options 1 ) settle for XXXX and must pay in full by XX/XX/XXXX or be sent to lawyer for legal action 2 ) pay full amount owed of {$5900.00} in full by XX/XX/XXXX or be sent to lawyer for legal action. 
On this call I spent 45 minutes explaining my situation and said I could pay $ 300 month through XXXX ( {$1200.00} ) then in XX/XX/XXXX pay {$1500.00} until my account was paid in full. 
He entered and said its not an option as I owe in full or will be sued. 
I asked for escalation review and he returned and said sorry, you must pay in full by XX/XX/XXXX or we send lawyers for legal action on XX/XX/XXXX. 
I offered even to extend myself to pay XXXX in XXXX then XXXX XXXX, XXXX, XXXX and he said no you must pay in full or we will take legal action and your credit will be effected.I am at a loss, I tried to pay and enter a plan. 
He said I defaulted on a payment I said, yes bc you closed my bank account and that is why. Once I established my new checking account I resumed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. USDA - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

Misled to think that after 6 months of on-time payments, apr of 10 % would be decreased. However, company said there was no such option. Also, after speaking with non-profit counseling, they stated that at the time I closed on house, conventional loans were between 2.25-3.87, not 10 %.
Product: Credit card or prepaid card

My bank sent in an overnight payment to payoff my outstanding credit card balance. The payment was delivered on XX/XX/2019 at XXXX which was the due date of the monthly payment. My bank did not include the full account number on the check, but it did have our names on it. Also, there were two other citi accounts being paid off and those payments were in the overnight delivery as well and were processed right away. However, the payoff to Home Depot was not applied. I called the company on XX/XX/2019 and after being disconnected once, routed through 3 departments and told by everyone I talked to that my account was past due and being asked if I was making a payment I was finally assisted by XXXX in customer service. He was able to find check by tracking back from one of the other accounts being paid off and could see that it had not been applied. He also noted our names were on the check. He said it could take another 3 to 5 business days for the payment to be applied and that when it was finally applied that they would go back and remove any late fees and interest. I then received calls on XX/XX/2019 and XX/XX/2019 saying my account was past due. I called in again on XX/XX/2019 and was told it could take 10-15 business days for the payment to be applied. In the meantime my account still shows as past due. I was told it should be revolved before it is reported to the credit bureau but that wasn't guaranteed because the rep that was helping me couldn't see that information.
Product: Credit card or prepaid card

Today I received a letter, dated XX/XX/21, from synchrony bank informing me there had been an address change request and to " contact us immediately '' if I didn't make the request. 
I called and wasted 15 of my cell minutes only to discover that it was all a lie. 
This is harassment due to my previous complaint over synchrony STEALING my cash rewards money, and I want it to stop! 
I don't need the aggravation of thinking someone is stealing my identity, and I CERTAINLY don't need any more XXXX from synchrony bank. And I ABSOLUTELY do NOT want to ever have to speak with them again! 
They STILL refuse to give me MY MONEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX 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 I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am using Care Credit which is for medial use only. My mom needs XXXX XXXXXXXX and is going to use that card to pay for it. When the doctors tried to use the card it was declined. The card was never used before so the company closed the account due to " inactivity. '' The problem is that the card is used for medical uses. Legally speaking they should not have the right to cancel the card when I will only use it for a medical emergency or a scheduled XXXX especially without notification. If the doctor 's office was not able to help me reapply or that the application was declined, I would of sued the company for criminal neglect and be legally liable for denial of medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter XXXX. 

Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor : Gemini Trust LLC has violated my rights under 15 US C 1681 section 602 I have the right to privacy under 15 US C 1681 section 604A section 2 it states a consumer reporting agency can not furnish an account without my written instruction under 15 US C1666 b it states a Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

My bank ( BMO Harris Bank ) charges {$2.00} per month to U.S. Mail a monthly statement. They do not charge for online statements. 
I have monthly direct deposit of Social Security and Retirement checks. Is it legal for a Bank to charge you for monthly statement by mail?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I obtained a credit card with XXXX XXXX with a credit line of {$300.00} while off in college! Since then I have had XXXX XXXX report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I made a purchase with merchant XXXX XXXX it shows up on my statement as " THY XXXX '' for the amount of {$1000.00}. I received texts in XXXX and emails in XXXX from the merchant notifying me that my flight ( the service ) had been canceled. I informed my credit card CHASE company in XXXX or XXXX that the services I purchased were canceled and the services were never provided. I have been going back and forth with my credit card company and I am not understanding what the issue is. When someone buys a product or a service, the consumer is in every right to charge-back the item. Chase has not been helpful in trying to resolve this issue. XXXX  XXXX is being fraudulent by not providing me the service I purchased. Chase at that point needs to come in as my credit card company and communicate with the merchant to give me my money back.
Product: Credit card or prepaid card

M & T Bank denied my claim for charges that were illegally made on my credit card. My account was compromised along with my debits card, social security number and identification card because I lost my wallet with my credit card, debit card, social security card, and id in it on XX/XX/XXXX. I thought I left it at my job at the XXXX XXXX  I work in but It was not there when I returned there on the XXXX. 

The fraudulent transactions : - {$1300.00} from XXXX XXXX # XXXX - {$43.00} from XXXX XXXX XXXXXXXX XXXX XXXX  - {$920.00} from XXXX XXXX XXXX XXXX  Please look into this for me. M & T agreed to reimburse me for all fraudulent transactions. My identity and previous M & T credit card account ending in XXXX has been compromised. I need help with getting reimbursed for these fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint filed against. Bank Of America. I am simply asking for fairness and the removal of the explanation of paid after charge off! Both precious complaints explain and prove that I was a victim of fraud and that BOA agreed to my a payment plan and promised to report as paid ( due to the circumstances ) but then instead of reporting as paid they left the negative mark in my credit! The first complaint was filed by an outside party trying to help me and was closed after BOA said they werent sure it was actually me : though it included police reports as proof of what happened. The second complaint was filed in XXXX and is STILL open. Not only am I disappointed in BOA, I am crushed that during these difficult times small business owners like myself can not get simple fairness. Those of us who work hard and have a track record of paying our bills should be given the benefit of the doubt when something like fraud happens! The number of my open complaint with all details is XXXX I would appreciate a swift removal of this negative mark on all of my credit bureau scores so that I can move forward! 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particuarly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my finacial institue and zelle failed to investigate my claums adeqauately. They informaed me that recovering lost funds wa imposiible and that the tracking of the transactions was unfeasible. The findings from CFPB indicate that zelle has not only neglected to protect consumers but also allowed repeat offendersto exploit the system, this was unacceptable and raise serious concerns.
Product: Debt collection

I got a copy of my credit report and discovered that this company had put a collection on my credit report. I sent them a letter but they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an amex card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX ok and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts and inquiries : 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 Please remove these items ASAP.
Product: Credit card

Bank of America wrongfully Whitheld credit card and opened account without my consent BANK OF AMERICA Account number XXXX Account type Secured Card Responsibility Individual Date XXXX Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXX Credit limit {$500.00} Highest balance {$630.00} On record XXXX XX/XX/XXXX nd appears in my credit report like miss payment I had to full this amount This practice Has damage my credit report and Bank Of America since XXXX Close my Checking Account and Credit Card I paid in full and Dispute in all credits bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXXXXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"