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, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 : I tried to inquire and logged in to my account. On the /FREEZE page listed on the government site, I wanted to see if my prior freeze ( last month ) was still in place, because I had temporarily lifted it last month. 
The webpage will not tell me my status. I don't know if it is in effect, or temporarily frozen, or permanently frozen. If I go to the overview page, and if I click on a product they sell ( XXXX XXXX ), then that page says that my file is UNLOCKED and that it is LOCKED. 
Really? 
Other " devined '' clicks also lead to confusion on their website. See below. 
The contact number that the website gives is only available at certain times. 
The CHAT facility tells me that I must call to get my status.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these US laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Complaint Details : This complaint is filed with the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the fraudulent information on my credit report within 4 business days of receiving this complaint. The fraudulent information includes the following Collection Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to several fraudulent hard inquiries and collections appearing on my XXXX credit report. I have attached a list of the hard inquiries and a copy of my XXXX credit report showing these fraudulent items. I do not recognize these accounts, collections, or hard inquiries and did not open, make, or initiate them. They are the result of identity theft and fraud. Attached is FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, verifying that these items are indeed the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX  reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

THIS DEBT IS IN A CIRCLE. IT GETS REMOVED WHEN I WRITE A LETTER TO YOU ALL OR TO THE COMPANY IT IS WITH, IT THEN GETS SOLD TO ANOTHER DEBTOR, AND THEN THEY PLACE IT BACK ON MY REPORT AFTER IT WAS REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been overcharged for Hazard insurance multiple times even with my uninterrupted home insurance evidence submitted to the bank.
Product: Credit reporting or other personal consumer reports

In XXXX I had a regions bank account. My money was constantly being stolen every month. They ended up closing my account with {$1500.00} in it because of fraud. I went to the back about 3 times and they all told me the same thing. We cant access any information about your account because its closed. Im now put in early warnings because of a faulty corporation. My XXXX  XXXX XXXX account also did the same exact thing but I ended up closing the account due to my money being stolen.
Product: Credit reporting or other personal consumer reports

I have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX Sold to XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX Address on Account is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX  as well as Bank Account used for previous payments of this loan was opened fraudulently and has since been closed. XXXX XXXX XXXX Acct : XXXX Date of Last payment according to Company 's report is reporting incorrectly as it states XX/XX/XXXX and is being report to All bureaus as XX/XX/XXXX. all of this information is incorrect. 

Transunion : XXXX XXXXXXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Date Last XXXX XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last ActiveXXXX XXXXXXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/XXXX is XXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer
Product: Payday loan, title loan, or personal loan

Please see email chain- on XX/XX/XXXX they were instructed not to debit a payment until XX/XX/XXXX and still did on XX/XX/XXXX. I have 2 accounts with them and requested this on both loans to wait until XX/XX/XXXX. When I speak to them they tell me there is no email from XX/XX/XXXX which you can see is clearly date and time stamped for XX/XX/XXXX at XXXX EST and they are Pacific time so only XXXX there. I also have sent an email every day now since XX/XX/XXXX which no one replies to and I asked for the supervisor I spoke to to call me back and have been waiting 2 days for that now. They have left me and my family with no money and have been charged hundreds in OD fees now. They refuse to reverse the payments. I also have a dispute in with my bank too. I need {$510.00} for this loan and {$540.00} for the other loan refunded ASAP along with fees I have been charged. Thank you. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Still no response for over a week now to 3 emails all included in this chain. One on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. I also received no assistance from 2 supervisors I spoke to : XXXX XXXX and then XXXX ( do not have last name ). Both are basically calling me a liar that I did not request to stop this payment for {$510.00} on account # XXXX and another one for {$540.00} on account # XXXX. Both were still debited from my account and you need to reverse the payments today. I guess you leave me no choice but to seek legal advice for not honoring a consumers request if you do not reverse the payments today. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Mon, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Why did a payment come out of my account today when I set them up per the below? This caused my account to be overdrawn and will need the payment refunded ASAP- immediately as in the next day. There should be no payment coming out on the XXXX either. The next one should be scheduled for XX/XX/XXXX. Please advise when payment will be refunded. 

Thank you. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : Loan # XXXX To : <XXXX> Hi, Please set my upcoming payments as follows : XXXX payment of {$510.00} to process on XX/XX/XXXX XXXX payment of {$510.00} to process on XX/XX/XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, XXXX, and Trans Union credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2023 I tried to buy flight tickets in XXXX XXXX. In the process I asked Affirm to approve a short financing for about XXXX. Affirm approved my application by asking me to pay a down payment of {$510.00}. I accepted because I needed the tickets. Affirm withdrew the money from my bank account instantly but the transaction was never confirmed with XXXX. I didnt get the tickets but I didnt have the money to find another tickets provider because Affirm took the money first. I tried since that momento to recover the money but today, more than 3 months later, but Affirm is still lying and didnt take my complaints seriously. I am a victim of fraud and abuse of power by Affirm Financial Inc. The case number given by Affirm was XXXX. 

My bank XXXX tried to helped but Affirm didnt consider serious my bank complaint as well. 

I dont know how possible is to have companies in our country doing irregular and suspicious business activities taken XXXX XXXX as their victims, stealing money with no consequences. 

I need your help to recover the money that Affirm removed from my account without any loan or transaction approved. 

Affirm customer service is a joke and every time I call them they say different information. They were trying for more than 3 months to make me tired on this process and finally keep the money. That is unacceptable. 

I am a XXXX with a limited monthly income and I have a family who depend on me. Affirm created a chaos in my budget since last summer and they showed no respect on this. 

I believe that your intervention will persuade Affirm to return my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit score that i did not do.
Product: Checking or savings account

I am back with a complaint about my accounts with Ally Bank its been over a month I havent had access to my funds and this bank still hasnt called to notify whats going on with my funds. Im just keeping reciepts of how many times Ive made complaints about my funds being held and me being unable to retrieve any information as to where my funds are and why are my accounts still blocked and some of my funds are missing from my accounts with ALLY bank this bank has to be a scam Ive never been treated so unfairly by a bank in my life and Im still frustrated being that I had to take out loans to feed my family since I cant have any access to my funds.. I will bring up all these matters in court and provide how many times Ive made complaints and still havent had any one notify me or unlock my accounts so that I can get my funds back.
Product: Credit reporting or other personal consumer reports

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the information requested by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 ( section 6 0 2 states I have the right to privacy ( 15 usc 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without written instructions under 15 uscs 1666b
Product: Credit card or prepaid card

I have spent hours and hours on the phone attempting to get my refund for a purchase that was returned, verified returned and the credit card com-any refuses to help me, just saying for 3 months that the matters under review, which completely violate their own customer protection policy. 

I purchased an item in XXXX on XXXX using my paypal credit account. I item ( XXXX ) turned out to be stolen and unusable, I returned the item, sent the verified tracking into them and they put the matter under review and refuse to give me my money back or help me what so ever
Product: Credit card

I have attempted XXXX times ( First request XXXX/XXXX/15. Last request XXXX/XXXX/15 ) to change the business name on my American Express XXXX XXXX card by online chat and phone. I was changing from a sole proprietorship to another sole proprietorship, so it should n't have required much new information. XXXX times, I had been assured that the changes have been made and I could expect a new card in the mail with the new business name within 7-10 business days. This has not happened. 

Also, I had recently received a new card due to fraudulent activity on my account. Since then I have been having great difficulty verifying my account. XXXX out of the XXXX times I 've contacted Customer Service, I 've been told to have the primary account holder make the business name change requested, however I am the primary and only user on the account. I suppose there may be some confusion because my XXXX name is on the account and my shortened first name is on the credit card, but it 's like confusing the difference between XXXX and XXXX. XXXX and XXXX. XXXX and XXXX. I would assume they would have the common sense to know that the XXXX names belong to XXXX and the same person. It 's terribly frustrating. When asked what needs to happen to avoid this in the future, I 'm offered no solutions. 

When asked what is preventing me from making the business name change on the account they place me on hold or reply in the chat to 'wait one moment ' but all I 'm told is that the changes have been made when it has n't.
Product: Credit card or prepaid card

ON XX/XX/XXXX I was approved for a CitiBusiness Advantage Platinum Select Mastercard with Citibank. It was supposed to arrive 7-10 business days. On XX/XX/XXXX before I even received the card, I received a letter in the mail about a Fraud Alert. I contacted Citi and on XX/XX/XXXX and was told the fraud issue was " resolved ''. I finally received the card on XX/XX/XXXX. I opened, activated and registered the card same day attempted to use it 1 time at common, local store, XXXXXXXX XXXX, and immediately had a Fraud Alert. I contacted Citi on XX/XX/XXXX and spoke to Fraud team, it took 45 mins to verify my identity because Citi would not use my primary phone number or any other phone numbers in my home to verify me. They said they can't use the same phone number for verification more than once. However, that is my phone number and the number registered on my account. Finally a supervisor verified my information and cleared the fraud block. 15 mins later I attempted to make my second purchase, another Fraud Block. I called back in again, and the Citi Fraud team refused to verify my identity because they could not use my phone numbers to verify me. I tried my number, my wife 's number, my son 's number, my daughters number. They said their " system '' would not let them use any number and they couldn't verify me. Therefore, I couldn't use the card that literally just arrived in the mail this same day. Having gotten so frustrated after being on the phone with them for 3 hours and transferred around to 3 different departments, I wanted my account closed. They refused to close my account while I had a Fraud block on my account. I told them, they can not force me to keep an open credit account open in my name, against my will. they stated there was nothing they can do. A consumer should not have to go through this much trouble to use a card. Fraud Blocks before the card arrived, Fraud Block for every transaction attempted. I never even got a chance to use the card once before Fraud blocks triggered. American Express and XXXX are nothing like this. Citi is the worst and whatever process they use to supposedly validate a phone number needs changed.
Product: Credit card

First of all, I wouldnt need to file a complaint on here if you could just answer your phones. I tried calling on two separate occasions each time it tells me that my whole time is more than 20 minutes OK I dont have 2030 minutes to just sit around on hold maybe capital one does but Im busy, and now youre taking up more of my time. This is terrible customer service. 

If you look at this account, I have a balance of {$29.00}. If you go back I have made numerous purchases from a company called XXXX. They were supposed to come out and do work for me but they never showed up. This went on and they just kept billing me over and over and over again I eventually came to the bank and asked for help, whenever you sent the dispute to the company, they immediately refunded every transaction except for this one transaction your guess is as good as mine as to why they left this one transaction out. When I noticed that I called you and I said whats going on and the woman I spoke with apologized and shes like Ill resubmit it and Im sure itll be fine. But guess what the {$29.00} is back and you want me to pay it you have not given me any information as to why this one transaction would not have been disputed or why its showing up on my bank account but the company never came to do any of the work They closed my account whenever I disputed the transaction Why do I still owe {$29.00} why are you not disputing it and if youve exhausted all of your efforts which I havent seen any evidence of, but if you have the baby its time for the bank to cough up {$29.00} and not make the consumer Have to pay for something they didnt get your supposed to be there to protect the consumer. I have good credit I pay my bills I dont have any issues I did my part I reported it I did everything you asked me why are you not doing your part now
Product: Mortgage

I have requested several times for Ameris to complete an accurate and current escrow analyst due to the decrease in my home property taxes. I have not only sent the required tax document to Ameris bank, but I have called on multiple occasions to confirm that the tax document was received. The decrease in my property tax went from the amount of {$4900.00} to {$2500.00}. After at least 3 months for calling and filing complaints about their failure to complete an analyst, Ameris finally decided to complete the analyst using the out of date tax estimate instead of the most recent one from XXXX tax office that shows an obvious decrease in my property taxes. I have not only faxed a copy of this new tax estimate, but I have also emailed this document as well.
Product: Debt collection

The medical debt collection agency calls at least once a day, sometimes twice. sometimes they are robo calls, sometimes a live person. the number they call from is XXXX