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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been communicating with my mortgage company in regards to a loan modification. They have been stalling and adking for documents previously emailed and uploaed to their portal. There are no direct point of contacts to the loan modification department. Regular customer service agents are relaying information between the consumer and loss mitigation department. I have not defaulted on either mortgage yet, but I am want to avoid credit ramifications as they are taking their time processing my review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the Santander Consumer account since XXXX of XXXX with no real proof of validation or debt from XXXX. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX XXXX XXXX  have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. XXXX  seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but XXXX  would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have contacted paypal support on many occasions explaining the issue. At this point, i dont even want my XXXX $ or XXXX $ ( i dont even know exactly what it was, but lets say XXXX $ ) back ( a lot of money for me, but still, i just want the scammer to get banned ) i need the scammer to face some kind of consequences for doing this to me. And i dont know if they did get any consequences, since paypal didnt provide any info on their investigation
Product: Credit reporting or other personal consumer reports

I sent all police reports showing I was a victim of identity theft and court paperwork as well they still making me responsible for credit card accounts I never opened and charged off balance and collection along with address and inquires!!!!
Product: Credit card

I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!
Product: Checking or savings account

Last week, I received a message when I tried to login to my Chase account online that told me my checking and savings accounts were being closed. I immediately called them and they confirmed they were closing my accounts, but they couldn't provide a reason why. I then went into the closest Chase branch ( where I had opened my accounts ), and tried to get my money out. The banker there told me she could not give me money. I had XXXX in my accounts, so this is not a small amount of money. She gave me the same number I had called before and told me to call them. They told me they are holding my funds while they investigate my accounts. I'm not sure why they even closed my accounts in the first place, but it is ridiculous that they can hold my money after they close them. I want a check mailed ASAP for the balance of my accounts so I can pay my bills. Thank you.
Product: Debt collection

On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my private information, and has put me at life long risk of identity theft, as well as over 100,000 other individuals. I was told that I was a potential victim of identity theft over a month after Equifax new that my information was potentially stolen. Additionally the only option to help correct this breach is n't available until mid XX/XX/XXXX, which is unacceptable if my information was stolen weeks ago. I want a resolution.
Product: Checking or savings account

Navy federal would charge me multiple overdraft fees in my checking account, after navy federal would take money from my savings account instead of just declining the transaction.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint following the breach of my personal information, which has led to identity theft and subsequent inaccuracies on my credit report. 

**Details of Complaint : ** **FTC Report Filed : ** I have contacted the Federal Trade Commission ( FTC ) regarding this matter and filed an FTC Identity Theft Report. The report number is XXXX. 

**Identity Theft and Data Breach : ** I am a victim of identity theft. My Social Security number and other personal information have been compromised, leading to unauthorized accounts and transactions. 

**Unauthorized Accounts : ** - XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX **Erroneous Reports : ** The theft has resulted in incorrect entries including : - Fraudulent collections - Hard inquiries not initiated by me- Inaccurate late payments by XXXX Credit XXXX 

A XXXX  XXXX Bankruptcy filed on XX/XX/XXXX, A XXXX  XXXX Bankruptcy filed XX/XX/XXXX, A XXXX  XXXX Bankruptcy filed XX/XX/XXXX with the U.S. Bankruptcy court. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections on my consumer consumer FICO Credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of Identity theft fraud. I demand that all fraudulent items be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to the FCRA FDCPA laws. 

XXXX*Legal Rights and Demands : ** - As per 15 USC 1681c-2, I formally request the blocking and removal of all fraudulent information from my credit reports. 
- I demand receipt of an updated credit report showing corrections. 

**Transaction Verification : ** I request a detailed record of all transactions related to XXXX XXXX to verify discrepancies in payment acceptance. 

- Immediate investigation and correction of my credit reports as per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) laws. 
- Written assurance that all fraudulent activity ceases and future protections are implemented. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that CFPB, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
-- - Please ensure this complaint is handled with urgency. Thank you for your attention to this important matter. 

Thanks you
Product: Credit reporting or other personal consumer reports

I am not aware of this account. This is fraudulent and this company has never responded with additional information. The company responded they have provided me with information yet I never received the information. 

XXXX XXXX XXXX I will pursue this matter civilly and I have reached out to an attorney. Please find the attached documentation to remove the fradulant accounts.
Product: Debt collection

I am writing to you regarding an alleged debt associated with the below-mentioned account. Before I proceed with any further actions, I kindly request that you provide me with the information to validate the debt 's accuracy and legitimacy. See letters for the information. 

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

In accordance to The FCRA A disclosure of my nonpublic personal financial information by Exeter Finance LLC. This disclosure have violated my rights under 15 U.S.C. 6802 of the XXXX XXXX, which restricts the sharing of nonpublic personal information without my explicit consent. 
***The account number reporting XXXX as a charge off. It also has been reported as a loss on the account reporting. 

Details of disclosure has been reported to all 3 credit bureaus. XXXX, XXXX and XXXX. I will also be attaching a copy of the disclosure contents reported on the credit reports attached to my Name, SSN and D.O.B that has been reporting to the credit bureaus and also a copy of my certified dispute letter sent to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries 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 inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get this error corrected by XXXX XXXX! I love this credit union but I was informed that, l wouldn't get any late payments during my hardship period. I Had continued to pay even while XXXX, sick, and loss my job because of XXXX XXXX. My credit card was paid on time and in full. After the account was closed, then the XXXX late payments popped up. My rights have been violated 15 USC 1666b 15 USC 1637 ( b ) 15 USC 1681s-2 15 USC 1681i
Product: Credit card or prepaid card

My XXXX points with American Express Membership Rewards are on hold at least since XX/XX/XXXX and I already missed several opportunities of transferring some of these points to airline partners because of this hold. Today I found out again that my points are still on hold, almost 8 weeks since my first inquiry. I called again today and was just told that they don't know why my points are on hold. I have several cards with American Express and they couldn't even tell my which card triggered the hold. I am a customer since 2005 and this has never happened before. 

The representative said that it could either be from getting a new sign-on bonus ( opened a new business card for a new business in XXXX but did not receive any bonus ), from getting refunds ( I had a few smaller refunds due to travel being cancelled with Covid-19 ) or  for " suspicious activity '' ( does not apply to me ). 

It is very frustrating to have cards with a company for 15 years and then be treated like an outlaw over membership rewards points, which is one of the selling points for American Express. What's the purpose of membership rewards points if I am unable to use these? There is absolutely no transparency in this " review '' process with referrals to the " back office '' which supposedly does not have phones. No messages, no names, nobody to talk to ... just like the mob.
Product: Bank account or service

I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.
Product: Money transfer, virtual currency, or money service

I made a squareup account to take business payments. Over about 7 days I got just over {$50.00} worth of payments. I then added my card so I could transfer the funds out ( I like using a specific account when buying supplies ). That is when Square locked my account saying it would only be a business day or two just to verify that I am me. That was on either the 5th or 6th of XX/XX/2023. I've waited and when it didn't end I've reached out to their customer support who tell me to wait 1-2 business days, say they can't help, ignor me or blow me off when I ask to speak to a supervisor, or send me fake links.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am having the same problem with this company as well. I have submitted a letter and documentation and I am getting the run around. I want this information removed once and for all. I have enclosed my information. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX I initially spoke with a lady named XXXX at ext : XXXX I told her our situation with XXXX XXXX XXXX XXXX and explained how our claims were never billed properly and now this has gone to debt collectors and affected my credit. She advised us to pay the {$2200.00} and make this go away. I got off the phone with her called my husband and we decided we would pay the amount listed above even though we were not due these charges just so this would all be done with. I called back and spoke with XXXX at ext:XXXX on XX/XX/XXXX and paid the amount in full from my debit card. The amount never cleared our bank account that day or on on XX/XX/XXXX so on XX/XX/XXXX I called my bank and they told me the transaction was declined because we have a {$1500.00} daily limit on our debit card but she could increase the amount for me on XX/XX/XXXX so I could pay the bill. I called back on XX/XX/XXXX and spoke with a XXXX XXXX at ext : XXXX and she again processed this transaction for me giving me a confirmation number of XXXX. I again never saw this amount clear the bank account. On XX/XX/XXXX I received a call from a second debt collector regarding this same claim. I then called XXXX and asked what was going on they told me the debt had been sold back to XXXX XXXX XXXX XXXX XXXX and they could no longer give many information about this claim. I asked about my confirmation number and the lady I spoke with on Friday and they said there was no transaction processed.
Product: Student loan

I received a letter from American Education Services on XX/XX/XXXX stating that the terms of my loan had changed. My monthly payment increased from {$110.00} per month to {$290.00} per month. 

My loans have always been on automatic payment and I have never missed a payment. However, it turns out the company had failed - for a number of years - to gradually raise my payments to sufficiently cover principal and interest. This mean I'd been paying primarily interest for a number of years and not paying down the principal in a timely manner. American Education Services never notified me of this and it seems were not even aware of it themselves. 

When I contacted the company about their error, they did nothing to rectify the situation. 

It does not seem fair given that I had automatic payment set up and have been a diligent payer for many years. I had no way of knowing my payments should have been gradually increasing. It should be the company 's responsibility to request the appropriate payments from the borrower over time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted Credit Bureau Systems about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Product: Credit card or prepaid card

My wife and I put {$100.00} deposit down on a hotel in XXXX, TX XX/XX/2020 we stayed until XX/XX/2020, and have since contacted the hotel to see if our deposit was kept for some reason their response being " no, we released it after the maid picked up. '' We we're informed it usually takes 3-5business days to be returned, but it's going on a month now and we've still have yet to receive our deposit refund. I have e-mailed, called to talk to a ( real representative ), but am always told No one can speak with me due to the Covid19 virus. I am very frustrated and personally very anger with the way Paypal prepaid/ netspend is handling this, so I would just like our money to be returned because we're not in a financial state, nor is anyone else for that matter currently. Thank you for your time and I look Forward to hearing from you. Email:XXXX Mobile : ( XXXX ) XXXX Sincerely, Mr. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Consumer Dispute Center XXXX. XXXX # XXXX XXXX, PA. XXXX Date XX/XX/XXXX My credit file number # XXXX RE : Accounts : XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom It May Concerns : I am writing to dispute the accounts referenced above. I have disputed the accounts information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.