23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an XXXX  mastercard account issued by XXXX bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact XXXX and XXXX tells me to contact paypal. Today XX/XX/2021 I have spent over XXXX XXXX hours calling and messaging with both paypal and XXXX. XXXX has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and XXXX. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. After XXXX minutes I was transfered to XXXX op id XXXX with XXXX XXXX  who advised that this was how it was set up by PayPal and that XXXX has no other way for me to access the card electronically. I have asked PayPal to change the email address on the old account to the new email to resolve the issue. I was told that I had to open a new PayPal account and cancel my XXXX credit card. This can not be the first time this issue has arisen and no one is willing to present a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis, a fraudulent consumer reporting company has reported me as dead to one of its clients -- XXXX XXXX, a sports betting company. Clearly I am not dead, since dead people can not file complaints. Also the report I requested from Lexis Nexis ( 140 pages long ) contains information which is incorrect, It lists me as a resident and homeowner at two addresses where I NEVER LIVED!!! How does these incompetent, corrupt predators get away with this. Is there no government oversight???
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of the Equifax data breach. I want all hard inquiries to be removed effective immediately. I sent via certified mail to Equifax a dispute letter and received no solution to my problem. Equifax data breach website confirms that I have been affected of the Equifax data breach ; I am attaching proof that I am a victim of the data breach as well as my dispute letter sent out XX/XX/XXXX. The following inquiries are still fradulently reporting on my Equifax credit report : XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
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 Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name XXXX XXXXXXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

Insufficient fund fee Every XXXX escrow account is updated for overage or shortage. Last year it was an overage so a check was sent to me but, this year there was a small shortage. 

After realizing my escrow account was short I went online to add funds but less than hour later discovered that the escrow payment needed to be placed in monthly mortgage payment. After speaking with a mortgage payment representative to make my monthly mortgage payment right I received a letter later that month saying I will be charge an insufficient fund fee. After making several call to mortgage bank to get an idea of what the fee was for I also called my bank, which is associated with the mortgage bank. I Made a XXXX way call, a checking account bank representative and, a mortgage bank representative. During the call my banking account representative told the escrow account representative that the checking account number that was listed for my additional payments was my bank member number not my checking account number. After several calls to supervision and writing an email to remove the fraudulent charge from my mortgage account I have not received any letter or removal of the insufficient fund fee. The error of putting my member number on the escrow payment account was not input by me online plus how can there be an insufficient fund fee when the account number does not exist? At no time was my escrow account short of paying any due payments.
Product: Credit card or prepaid card

After making a purchase and picking up my prescription on XX/XX/XXXX from XXXX in XXXX MD I apparently lost or my credit card was stolen. Later that day I received an email from Chase Fraud Alert Services asking if a purchase in the amount of {$250.00} from XXXX XXXX XXXX XXXX was a charge I recognize. I responded on their button " Something is Wrong ''. I sent the email. The card was cancelled immediately and I called the Fraud Alert hotline from chase Card Services as instructed. Three other charges prior to this email were made fraudulently on my credit card on XX/XX/XXXX the same day. 
1. XXXX XXXX XXXX {$410.00} 2. XXXX {$420.00} 3. XXXX {$440.00} I received a letter on XX/XX/XXXX from Chase noting they are adding these back as I benefited from these transactions. I called as the letter noted and appealed that decision. On XX/XX/XXXX Chase noted my appeal and denied it again. I have prepared an Affidavit and notarized the document that these are not my charges. I am a XXXX individual empty nested and certainly did not buy {$860.00} in groceries or XXXX for whatever was purchased. This has never happened to me before where I lost my card and had charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to all three credit companies asking them to verify 2 accounts that I had listed on my credit report and they have yet to get back to me and it's been over 30 days. I sent my corresponded my mail and gave them more then another time to receive my letter and respond back.
Product: Checking or savings account

I opened an account with Citizens Bank on XX/XX/XXXX with an account opening bonus of {$300.00} with a direct deposit of {$500.00} or more within the first 60 days of opening the account. I had a direct deposit of {$510.00} to the account on XX/XX/XXXX ( 38 days after account opening ) and never received the bonus. I called them on XX/XX/XXXX to enquire about bonus and why I hadn't received it. The customer service representative verified my information and told me he would check with the marketing department and put me on hold. When he came back from hold he hung up on me. When I called back immediately after I got a different customer service representative and after repeating what I told the previous customer service representative, the customer service representative told me my account had been closed because of a XXXX balance. The customer representative first said that the account could be closed if there was a XXXX  balance for 60 days. Then when I told him I hadn't had a XXXX  balance for 60 days he changed it to 35 days and then again changed it to 7 days. I never received any communication about this nor did I ever receive anything saying my account had been closed. Additionally less than 5 minutes before my second phone call, the previous customer representative had verified my account information and hadn't said my account was closed. The second customer representative also proceeded to hang up on me. I called a third time and was told I would be transferred to a 'bonus ' department that the previous customer services reps never mentioned. Instead I was transferred to the loan department and had to end the call. Every time I try calling their customer service representatives they hang up on me.
Product: Student loan

For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.
Product: Debt collection

On XX/XX/XXXX, I went to the XXXX XXXX Department. XXXX XXXX XXXX never sent this to my insurance and sent my bill straight to XXXX XXXX XXXX. I paid the bill in full and asked to have this removed from my credit, which they did on XX/XX/XXXX. In XXXX of XXXX, i repeatedly got letters from XXXX Phoenix Financial services . I submitted this and again this was taken off my credit report. On XX/XX/XXXX I was reimbursed by my insurance because I had paid the entire bill four years ago and was told by my insurance that, again, they never submitted a bill to my insurance. This has showed up on my credit report for the third time and has harmed my credit along with Phoenix Financial constantly sending me letters and collection calls. Please have them remove this from my credit asap. My credit score has dropped significantly. Thank you for your continued help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is report an account XXXX XXXXXXXX XXXX XXXXXXXX on my credit file in the amount of {$5000.00}. This is not my account.
Product: Credit card

XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.
Product: Credit reporting or other personal consumer reports

The company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Thank you for your help in protecting my federally protected consumer rights. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT  NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, Transunion and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

TD Bank is holding transactions that has posted, in the account several days pass the posted date ; then when it shows posted in your account it is two to three days past that the transaction was still showing pending in the account. TD Bank rigged my online viewing so that I can only print 1 page of activities at a time. In trying to print activities for the past week it would only let me print 1 page of the week ( only what is showing on the screen ). When I tried to call TD Bank to discuss this issue, they claimed that I needed to put in a pass code, but still they did not have a passcode hint for me to recall if I had such. In the pass they have access my account via voice recognition and this time they claimed I needed a pass code. Then they claimed the system locked them out because I did not know the passcode. They stated that I needed to go into the branch to get unlocked ; but I am not locked out I can still access the online service, but they claimed they was locked out because I did not have a pass code. They continues to place fraudulent transactions on my account. As I stated to them on many occasions, if there is a NSF charge, it needs to state NSF and not something that does not associate with me, such as the Debit Card authorization that is showing in the attachment. I did not do any authorization on my debit card in the amount of {$35.00} and that needs to be refunded. Their actions will cause other transactions to not clear.