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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit card or prepaid card

My unauthorized withdrawals claim has been denied again. I notified the bank in a timely manner when I first noticed my account balance. I was hospitalized from XX/XX/XXXX until the XXXX on an involuntarily hold so I couldn't leave or have visits. During that time my account was drained of my money without my authorization or knowledge. I notified my bank right away and they provided me no provisional credit while their investigation lasted 90days. For them to deny it. I would like to know why they say that there is no mistake and that the transactions in question where approved therefore no error is found. What proof do they have to make such a statement? When I am clearly a victim of identity theft and that was not me or anyone I know withdrawing money at the ATM. I am requesting then to look at the ATM videos to see that it was no me who withdrew the money. This is 5 months of my social security income that I desperately need returned.
Product: Mortgage

Attention XXXX XXXX at ( XXXX ) XXXX, yeah hi, its me again ; when you called me and I returned the call immediately on XXXX, and I quote " I'll have a XXXX call you back on an unrecorded line '' how long does that usually take, it has been almost a month and no call? Did you lie when you told me you'd do this? Are managers at Pennymac incompetent to the point of not being able to return a phone call? Do you even put a request in? 

Secondly please consider whatever document I signed on XXXX regarding consent to receive emails/electronic communication null and void. Based off my numerous complaints I believe it is very obvious that I do not wish to receive any emails from Pennymac to include : notifications of payments received, escrow analysis, or CFPB complaints. Any and all will be considered harassment. Any and all notifications/information/literature/updates/knowledge from Pennymac to my home address on paper ( you know that stuff made from trees ) via the United States Postal Service.

Per the CFPB interpretation of CFR Part 1006.6 - 1006.42 Official interpretation of Paragraph 6 ( d ) ( 4 ) ( i ) ( B ).

1. Prior consentin general. Section 1006.6 ( d ) ( 4 ) ( i ) ( B ) provides that, for purposes of 1006.6 ( d ) ( 3 ) ( i ), a debt collector may send an email to an email address if, among other things, the debt collector has received directly from the consumer prior consent to use the email address to communicate with the consumer about the debt. For purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ), a consumer may provide consent directly to a debt collector through any medium of communication, such as in writing, electronically, or orally.

2. Prior consentconsumer-provided email address. If a consumer provides an email address to a debt collector ( including on the debt collectors website or online portal ), the debt collector may treat the consumer as having consented directly to the debt collectors use of the email address to communicate with the consumer about the debt for purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ) if the debt collector discloses clearly and conspicuously that the debt collector may use the email address to communicate with the consumer about the debt.

Again I revoked consent for electronic communication from Pennymac on XX/XX/year> in writing ( CFPB COMPLAINT ID XXXX ), which Pennymac acknowledged XXXX of on XX/XX/year>, but thus far has in action ignored. If it is truly consent then it is revocable, if it is not consent then I would like in writing why Pennymac is forcing me to agree to something XXXX in writing do not agree to. 

Cheers!
Product: Credit reporting or other personal consumer reports

Asked the creditor to verify accounts that were not truly mine no response
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on my Equifax account. I had a name change in XXXX. XXXX and XXXX were able to update my accounts. I found out that Equifax had not when I applied for a pre-approval mortgage letter from XXXX. 

Friday XXXX @ XXXX PT : Called Equifax to determine the issue since they were unable to verify my identity over the phone. Discovered that they have the wrong name and address on my account. Discussed with an Equifax agent over the phone and they recommended that I submit a dispute. 

Friday XXXX : Submitted a dispute online and uploaded utility bills for the address, and copies of my social security card, driver 's license, passport card, and name change court order for documentation. 

Saturday XXXX : Received a decision electronically from Equifax, which stated : " We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' Called Equifax on XX/XX/XXXX @ XXXX PT : Called Equifax customer support. I was told by an agent that they received my documents, but would require me to write them a letter explaining the change with copies of the above documents. They stated that this must be sent via mail or Fax, which contradicts the procedure outlined on their website : https : //www.equifax.comXXXX
Product: Debt collection

ERC is sending me letter asking me to pay for debt that is not mine they have the wrong person ... multiple letter .. from different accounts.. why the have the power to ruin my credit? 
they are a scam ... they dont do the research to check the information. soo unfair!!! i take care of my credit and some careless company just add collection that is not mine
Product: Debt collection

The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Received a Demand for Payment letter from the above company on XX/XX/XXXX for a NJ toll violation dated XX/XX/XXXX for {$29.00} on our current motor vehicle tag. 
Called XXXX XXXX who confirmed that there was no outstanding violation and that the collection agency was not one which they use. 
Called the collection agency to query. They tried to ask for all our personal details and when we pushed back with the information provided by XXXX XXXX and indicated that they were committing fraud, they cut the call.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX spoke to a representative from XXXX to confirm that a Bankruptcy XXXX that was reporting my credit report has been removed from their data base. They said that XX/XX/24 # XXXX was removed from Equifax and XXXX XXXXXXXX was removed from XXXX. These bureaus are still reporting a Bankruptcy!! This is a FCRA violation and must be removed.
Product: Credit card or prepaid card

Around the end of XXXX ( XXXX ) I received a call from Citi Card collections. ( Ive been an excellent customer and have NEVER missed a payment ) - so imagine my surprise when they called. 
XX/XX/XXXX Id called Citi and let them know that I was getting divorced and needed my card shut down to ensure that my ex ( or anyone for that matter ) wouldnt be able to pass any charges through and that I also was going to pay the balance off in full which I did on that same days. 

Citi sent me a new card and I never activated it or anything. In effect, I ensured the balance was {$0.00} and never touched the new card theyd sent. 

The collector was able to transfer me to the fraud department where they assured me theyd open an investigation after they asked me about a few charges and I confirmed they were indeed fraudulent. 

Well, several days later ( XX/XX/XXXX or XXXX ) I received another collections call - after a very frustrating call with a fraud representative I asked to be transferred to a supervisor who had a much better grasp of the situation- who again assured me that all charges incurred would be reversed - and AGAIN they closed the second card and issued me a NEW card number. 

Well, today, XX/XX/XXXX, I got another collections call - so again, I got transferred to fraud. Most of the charges she read to me were the original ones that Id disputed. It seems there is one charge from XXXX that came through on the XXXX - so what that wasnt included when I paid the balance on the XXXX - Citi wasnt able to answer. 

Overall, Im frustrated with the lack of resolution from Fraud, and the numerous calls that Ive had to make.
Product: Debt or credit management

In XXXX I enrolled {$36000.00} credit card debt with Freedom Debt Relief, this was based on their statement that they should be able to settle these debts for approximately {$20000.00}. I have been paying {$540.00} a month and now am at {$27000.00} paid in with them saying I need to pay for another year which will brig my payments to {$36000.00}. As mentioned I have requested an accounting from them but am told I need to contact their bank.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from Experian claiming that a new account was recently opened in my name at XXXX I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXXXXXX XXXX XXXXXXXX XXXX. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the Experian website. A day later Experian emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with XXXX, and again, a day later XXXX told me that the account truly belonged to me. I am at a dead end. The company, XXXXXXXX XXXX XXXXXXXXXXXX XXXX, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Product: Bank account or service

I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT INC, XXXX XXXX Have furnished debt that has been closed without my consent and are calling 3 times a day, sending letters and reporting on my credit reporting as open account
Product: Credit card or prepaid card

PERTAINS TO 2 CREDIT CARD ACCOUNTS Chase Visa Amazon Credit Card Chase Slate Credit Card As ofXX/XX/2020, I has 2 credit cards through Chase, Chase Amazon credit card and Chase Slate credit card, although the limits were high, I was still making sufficient payments every time and on time, without missing any payments, but as of XX/XX/2020 while I was still making all payments and on time. Covid-19 Pandemic outbreak happened and the SHELTER IN PLACE occurred, which closed down my work place employment almost right away, I called Chase and ask for any type of customer assistance of deferred payments program, or anything that could help considering that I was now unemployed due to the Covid Pandemic, a common answer most consumers were faced with. XX/XX/2020 I contacted Chase Cardmember Services, and explained to them about my job closing, struggling to make payments at that point, but that I certainly wanted to keep in good standing and asked what could they help me with? especially because they were promoting that online and on the news. 

They informed me that they closed my accounts that month!!! and I argued the same key points mentioned above, that I had been making all payments on time and sufficiently, that even though the limits were high and almost at a maximum that those cards should not have been closed, they answered that they decided to close it, my reply was that was too much of a coincidence that it was right during the pandemic and was became frustrated with their decision however, explained that due to losing my job from covid, I was now struggling with making payments. Then I set aside the bills and the collection calls assuming that they took note of my last conversation. The pandemic caused me to have to move to a less expensive place, and shelter in place, As of date, CHASE has been consistently reporting negatively lower scores decreasingly each month with lower remarks to the 3 credit bureaus and thus, my credit score has been dropping and decreasing by the month. I disagree with key reasons, 1- CHASE SHOULD NOT HAVE CLOSED MY CREDIT CARD ACCOUNTS 2- CHASE chose not to help me with any deferred programs even with Covid and the issues surrounding Covid, ie, losing job, struggling to pay etc.

3- CHASE continuously reporting negative remarks and due to them only, my credit report has fallen so poorly, its now effecting whether or not I can rightfully gain employment, since these days I am in spite of covid searching for employment but have been turned down from a job due to their reporting remarks. I was at one point XXXX and from them alone, my score is now XXXX.
Product: Debt collection

In Fall Of XX/XX/XXXX, I attend XXXX County College, I did not complete the semester. I was having some health issues, and a difficult time : In XX/XX/XXXX I had to file for Chapter XXXX. I listed all my Debits, including the college, and student loans, etc. I have moved since XX/XX/XXXX, and always had my mail forward. In XX/XX/XXXX I rec 'd a phone Call from General Revenue stating I had an outstanding Balance of {$580.00} for college in XX/XX/XXXX. I told them I was not in college then, I was given the phone to call and follow up, I did just that, and by my many phone calls finding out little bits here and there. The Debit come from me attending the college in fall XX/XX/XXXX, the College having an audit done in XX/XX/XXXX, and this is when they found I owned them money. So, it took them other 5 years to find me, really with the internet today you can find anyone in less than 5 mins. The college is starting to General Revenue that I filed chapter XXXX after the debit was posted, no filed after remembering I went to school in fall of XX/XX/XXXX, filed in XX/XX/XXXX. They ( the college ) found the error in XX/XX/XXXX, this is not my issue. If the audit was not done we would not be here. also, all my student loans were discharged due to medical, and on social security. The College also changed names in this time frame From XXXX County College to XXXX College of XXXX County.
Product: Credit card or prepaid card

Bank of America is doing fraud by charging interest on a balance that does not exist. 
Please check attached for documents & see the details below. 

Beginning balance as XXXX XX/XX/2021. 
{$4200.00} This balance was paid in full on XX/XX/2021 Bank of America as other credit providers give 28 to 30 days grace period to pay the last billing period balance to avoid interest charge & balance of {$4200.00} was cleared on XX/XX/2021. 

Balance was paid in full within the grace period so NO interest must be charged. 

Beginning balance as of XX/XX/2021 {$3900.00} This balance was paid in full on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( XXXX partial payments ) Balance was paid in full within the grace period so NO interest must be charged. 

BUT : I was charged XXXX $ interest on XX/XX/2021 Undoubtedly, bank of America has manipulated the algorithm & this is happening at large scale embezzling billions of dollars. 

I also need to mention this fraud has happened a few times within the last few years & every time I call they say : Sorry it was a mistake!!!! 

XXXX $ XXXX XXXX innocent BOA preys = XXXX $ in just one month!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

dear consumer financial protection bureau so im submitted written complaint about im having delay problem issue with equifax credit report file so i order copy of my personal credit report file its just came in the mail on yesterday so the main issue im having with credit bureau agency they do not wan na give me access too my own personal credit report file so when i call customer services number XXXX so aslo i can provide address imformation where i mail my verify documents too equifax XXXX  XXXX XXXX ga XXXX zipcode so i sent them copy of my ssn number state id card photo and when i call customer services today they still saying they have not recieve verify documents yet so i have call them several times about this delay matter still has not been solve just yet so they aslo refuse to give my physical access to my equifax .com online account after i have allready verify my account several times
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Transunion Credit Reporting Agency, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX XXXX XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on XXXX. XXXX XXXX XXXXXXXX through XXXX for XXXX & XXXX  payments for Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my XXXX dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on XXXX reports XXXXXXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on XXXX. XXXX reports it charged off 60 days late. Transunion reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. XXXX is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. Transunion has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX