23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Product: Credit card or prepaid card

As of today, XXXX XX/XX/2020, there have been multiple issues with this card. 
1 ) I opened a new Macys XXXX XXXX card in early 2020. I was promised Macys bonus points ( aka XXXX XXXX ) worth {$20.00} in Macys purchases if I used the card for at least {$150.00} in purchases outside of Macys by XXXX XX/XX/2020. I fulfilled the requirement timely, and despite multiple calls and messages to Macys XXXX  credit card dept. I haven't been awarded that promotiional perk ; 2 ) I also never received my " birthday gift, '' another promotional promise ; 3 ) Latest issue is the failure to process my payment check timely. The most recent check was mailed XXXX XXXX from my local post office. It has not been processed some 10 business days later. The last time I spoke to one of the agents, I was told that because Macys has moved much of this function off-shore, things are not the same.

No kidding. If the payment check is not processed/cleared by Monday, XXXX, it will be late and will likely incur a late fee. By comparison - a payment check I mailed to another company on XXXX XXXX from the same post office cleared today, 5 business days later. 

It seems to me that Macys XXXX  is pressuring me to pay my bill in another manner to make it more convenient/less expensive for them. 

BTW, my email inquiries have been answered by an automated message response program generated by XXXX This onion has a lot of layers and that is NOT in service to we consumers. It makes it nearly impossible to get assistance or a comprehensible reply, let alone timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, XXXX and Transunuion are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding incorrect addresses on my Equifax credit report. I have previously reached out to Equifax via certified mail on two occasions, but the inaccurate information persists. Additionally, I am a victim of identity theft, and unauthorized use of my credit has occurred. I respectfully request your assistance in addressing this matter promptly. 

The incorrect addresses that need to be removed from my Equifax credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I want to emphasize that I have never resided or received mail at any of these addresses. Their presence on my credit report not only jeopardizes my financial standing but also underscores the severity of the identity theft issue I am facing.

As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), Equifax is obligated to furnish accurate information to consumer reporting agencies. In my previous correspondence with Equifax, I have provided evidence of the inaccuracies in my credit report and requested their immediate removal.

I have sent two certified letters to Equifax disputing these addresses : Certified Letter : XXXX Sent on XX/XX/2023 Certified Letter : XXXX Sent on XX/XX/2023 I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. Equifax 's failure to respond within the legally mandated XXXX window has not only delayed my credit report 's correction but has also caused undue stress. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Despite my diligent efforts, these incorrect addresses remain on my Equifax credit report, casting a shadow over my financial stability and causing unwarranted distress. 

I kindly request the Consumer Financial Protection Bureau 's intervention in addressing this matter swiftly and decisively. I expect Equifax to conduct a thorough investigation, confirm the inaccuracies, and remove these incorrect addresses from my credit report. 

Your prompt attention to this issue is greatly appreciated, as it will significantly contribute to the resolution of my identity theft case and the restoration of my creditworthiness. I look forward to a timely response from your office.
Product: Prepaid card

I received a birthday gift Vanilla Gift VISA Card. I attempted to use the card and discovered at the check out counter that the card had been compromised, used and, then, as I learned from the retail clerk, the card was then fraudulently returned to the store where my friends purchased it for me. The vanilla gift card was ALREADY USED, so it had NO VALUE. I contacted Vanilla Gift and have been getting NOTHING BUT THE XXXX RUN AROUND FOR NEARLY 1 YEAR. 
I followed ALL the steps the vanilla gift representative gave me and after enumerable attempts to contact them for replacement and reinstatement, the card is still valueless. Vanilla Gift is a SCAM and they intentionally attempt to XXXX people around until they just give up and stop attempting to remedy the situation.
Product: Debt collection

My name is XXXX XXXX and this is in reference to my previous case, the previous case # was XXXX. 

In that complaint I demanded the following items and they have not been sent over. 

XXXX XXXX XXXX demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** XXXX XXXX XXXX XXXX XXXX ***INVOICE FOR WHEN VEHICLE WAS XXXX Under FDCPA if this company is not going to honor my request, they must remove this file from all CRA 'S. 

Once again, I have sent this company a cease and desist and demanded an Audit Trail, Debt Validation, Forward Floor Agreement and Invoice for when vehicle was sold after illegally being taken from my possession. Under CFPB consumer protection laws, this company must sent back this information and if they do not, must remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 CRAs regarding the associated inquiries. 

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from Equifax claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.
Product: Student loan

I have a debt collector calling my work number, after I have stated to not call me at work. My work phone number is also on the do not call list, yet I still receive harassing phone calls at work. The last phone number to call me was XXXX and the lady 's name is XXXX at xt. # XXXX. I requested that she not call me at work, and she has my cell phone number. my husband has recently been in XXXX and out of work. I 'm not concerned with any debt from years ago at this time, but will gladly work out payments at a later time. My hope is to just get this company to NEVER call me at work again. They have called me at work before and I need them to please stop, can you please help me? It goes beyond debt collecting when it 's harassment to this extent. please help me get this company to just get my WORK PHONE NUMBER off of their list of numbers they are calling me. thank you for your help. 
Kindest regards, XXXX XXXX XXXX
Product: Checking or savings account

I opened a new Chase Total checking account and received 2 direct deposits. The bank paid me {$200.00} for doing so. Next I was accepted for a new job where the employer deposited a {$500.00} deposit only check into my account. The bank would no longer allow me access to my online account, locked me out from my debit card and wouldn't even let me withdraw from my other direct deposits at the bank. I would call and they would hang up on me repetitively and play games with the phone line. I was told that the check bounced and was fraud. I don't believe this is true. Nonetheless I was told that they were closing my account after they penalized me {$12.00} for the {$500.00} deposit only check. They then finally after 2 weeks sent me a check of my remaining balance. I was told to never try to open an account with Chase again. The fraud department just hung up on me too.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN
Product: Debt collection

Cab Collection Agency placed a charge on my credit report after sending me one notice. I then called XXXX ( who forwarded the information to Cab prematurely ) making payment arrangements and making sure insurance information was correct. XXXX said they would take it out of collections and bill it properly. They did not contact the collection agency about the payments I was making and they did not bill the correct insurance provider which led to it being sent to collections in the first place. And when I brought this up to Cab they stated that they could only remove it from my credit report if XXXX tells them to or if I fully paid the account. Cab should have also done due diligence to ensure that the accounts they receive are only sent after the company has not had success with the patient. I was doing my part and they should n't have been so quick to send it to collections without verifying the debt, communications with the patient, etc. Cab Collection Agency also should have had the " please see the reverse side for an important consumer notice '' at the bottom instead the middle of the page to prevent the right to dispute information being overlooked.
Product: Credit reporting or other personal consumer reports

I filed claim awhile back about unauthorized use of my information. Attempting to make an unauthorized use ( s ) and also trespassing on my intellectual property being the trademark : XXXX XXXX Under Federal Registration Laws, I am the owner of the Trademark : XXXX XXXX Currently with the United States Patent and Trademark Office, under the following Registration Number XXXX. Therefore I have the right including but not limited to restrict, prevent or limit the use.of my Trademark in order to protect it against any misrepresentation. Notice to cease & Desist In any additional use of my Trademark that will likely cause misrepresentation in relation with distribution advertising identification and sales of my products or services. 
If you fail to comply with the aforementioned demand ( s ) within 72 hours I will have no choice but to pursue all legal causes of action including the filing of a lawsuit to protect my interest I remind you that this complaint serves as a pre-suit notice for lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement. It is in the best interest to have this issue amicably settled
Product: Checking or savings account

On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.
Product: Credit reporting or other personal consumer reports

Credit profile was reported improperly resulting in improper usage of my credit profile and causing damage and discrimination to my businness affairs and credit profile being harmed..
Product: Credit reporting or other personal consumer reports

Im requesting the immediate removal of an inaccurate item from my credit report. The information reported does not comply with FCRA guidelines and fails to meet the required accuracy standards.
Product: Mortgage

From XXXX and XX/XX/2020, the new mortgage processing company after switched from the old mortgage processing company kept asking me to purchase the HO6 insurance ( condominium owner insurance ) even though I did not buy the HO6 insurance after purchased the house 10 years ago. I already provided that my HOA master insurance covered the structure of the house but the new mortgage process company - XXXX ( Loancare company ) bought the HO6 insurance from their own decision while I were still communicating and even after I already purchased and provided the condominium insurance. I am very frustrated with their one way decision buying {$580.00} fee without my agreement and trying to charge the fee to my mortgage account number # XXXX.. The company never listen my opinion that other lenders never asked the additional and duplicated insurance since I already rented out the house. Please email me at XXXX or call me at XXXX for any question. 

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

Hi CFPB, thank you for your help in advance. Starting XXXX, 2021, I started to contact debt collector Portfolio Recovery to settle debt. Attached is copy of their email for lump sum settlement amount. This amount is already paid. The money already cleared from my bank. I disputed this with the credit reporting agency XXXX. I checked today XXXX. My credit report has been updated INACCURATELY. Portfolio agreed to accept less than the full amount to satisfy the full amount of debt but they are reporting my debt only paid 50 %. Therefore my report still indicate that I still owe 50 %. This is not what I agreed. Also, my understanding is that Portfolio will remove the tradeline from my credit report. So not only is Portfolio reporting this account inaccurately, they are still reporting it. This inaccuracy is harming me and my family. I am unable to co-sign for my kids ' student loans because of this inaccurate derogatory account. Please help me correct this. Thank you.
Product: Credit card or prepaid card

sears charge me for they never did was to repair air and furnace never did work but charged over {$500.00} for work never done.
Product: Debt collection

Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt we sold on XX/XX/XXXX which XXXX XXXX never did. XXXX XXXX sent me to court and garnish me ( Maryland XXXX XXXX case number XXXX date XXXX XXXX ). Midland Credit Management also would not allow me to dispute the issue with them directly ( I called more than one number ). Midland credit Management reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.
Product: Mortgage

NATIONSTAR : mortgage payment arrived on XX/XX/XXXX per usps tracking info. mortgage company charged late fee saying they received it after XX/XX/XXXX. i asked them to remove the fee, but they refused.
Product: Student loan

My student loan was paid in full with some overpayment. The bank has not returned overpayment in nearly seven weeks. They also miscalculated the overpayment amount bt {$40.00}.
Product: Checking or savings account

XX/XX/22 - 3 fraudulent transactions totaling {$2000.00} were charged to my debit card.

1/19/22 - Dispute opened regarding the 3 fraudulent charges. 

XX/XX/22 - Claim denied with no reasons given. XXXX opened. 

XX/XX/22 - XXXXl denial reasons received. 

XX/XX/22 - XXXXXXXXl reopened with responses to all denial reasons. I am informed that provisional credit will be issued on or before the 10th business day. 

XX/XX/22 - 10th business day. No credit to my account. 

XX/XX/22 - Called regarding non receipt of provisional credit. Agent tells me that my issue is escalated and I will receive a response in 3 business days. 

XX/XX/22 - 3rd business day since escalation and no response. 

XX/XX/22 - 17th business day. No credit to my account. The type of transactions disputed are all debit card transactions and listed as eligible under the provisional credit guidelines. The highest available supervisor who could be reached by telephone in the claims department has confirmed my eligibility for the provisional credit. 5th business day since escalation with no response. Supervisor on phone support escalates my issue AGAIN and says I will receive a response within 3 business days. 

XX/XX/22 - Chime can not give me a reason why I haven't received the provisional credit that I have been confirmed to be eligible for. Escalation responses are not timely. XXXX credit is not timely. So I am left with no other option than filing a formal complaint. I have been a customer for 4 years and am being treated like a criminal instead of a victim. I have also filed police reports and provided them in support of my claim. Filing false police reports is a crime so you can bet your bottom dollar I'm not lying. I am the victim of fraud and federal regulations are not being adhered to. Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX