23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX published my home address on this website in violation of the " privacy '' of complainants personal information.
Product: Credit card

I had multiple cards opened with American Express over the years from XXXX and onwards. Never one late payment on any of the cards. During Covid, I got stranded overseas and was unable to get home. My accounts were on auto pay, and XXXX XXXX shut down my account and reopened it because they believed there was suspected fraud. It kicked all the accounts off autopay. I never used this American Express card very often and assumed it was paid in full every month. When I finally was able to get back home, I found multiple correspondes about a small amount that was due from the month that the auto pay was disconnected. They shut down all three credit cards I had, which had years of perfect payment history and charged off the one American Express with the small payment due. I had extensive conversations with representatives and managers who said if I paid off the charge off amounts they would remove the charge off and settle the account as closed by me so I could reapply for my card. I paid the card in full, they deleted any of the months that showed up as late, but did not remove the charge off comment as agreed upon. This happened in early XXXX that this was paid and addressed. I have given them plenty of time to rectify the issue, and they have not followed through on the agreement.
Product: Credit card or prepaid card

I have been a Chase Sapphire Reserve member for years. In XXXX my credit card number was stolen and used to make XXXX fraudulent purchases- XXXX from XXXX and another from XXXX. The thief had the items shipped to my home and was watching to steal the items off our porch. Fortunately we were home at the time and the items were not taken. I contacted Chase in XXXX, reported the fraud, and was issued a new card. Chase put a credit on my account. Then a month later they called and told me they investigated, the charges weren't fraud, and I would be charged for the items. I called multiple times and could not get a resolution. Finally I contacted the merchants who helped me return the items. Even though the items have been returned more than 45 days ago Chase will not refund my more than {$2000.00} and the merchants will not issue a refund because Chase is holding the charge backs. They have all of the documentation including images of the confirmed return shipping and yet that continue to fraudulently hold more than {$2000.00} of my money for months with no resolution. Every time I call Chase they just direct me to the merchant who says they can't do anything until Chase releases the funds. If I was using Chase 's credit they would be charging me 25 % + APR for this. Not to mention that I pay {$490.00} per year for the privilege of having this card...
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for all reported transactions.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$1100.00}, XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$36000.00}, XXXX XXXX XXXX  under the account number ( XXXX ) a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and XXXX XX/XX/XXXX ( XXXX ) XXXX on XX/XX/XXXX under the account number ( XXXX ) and a Checking/Saving account at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report XXXX XXXX on XX/XX/XXXX. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

all FTC violations been filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute is below laws they broke attached The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ;
Product: Credit card or prepaid card

Ssn was breached and all information was used to open accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I spoke with XXXX from XXXX XXXX. I was informed my vehicle was in repossession status and I had three options. 1. To refinance my loan 2. Sell the vehicle 3. Allow XXXX to repossess the vechicle. I knew with allowing XXXX to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to XXXX  and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called XXXX back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX on my vehicle and knew there could be a payoff request I could make. XXXX offered to drop the amount to {$9300.00} and once payment was received by XXXX, XXXX agreed to settled the account. XXXX also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from XXXX dated XX/XX/, which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. XXXX received my payment as promised and failed to comply with their agreement. Due to XXXX failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from XXXX. I have made several attempts to resolve this matter with XXXX but to no avail has it been rectified. XXXX  received payment as promise once we agreed to settle.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXXXXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

-Initially phone call on XXXX information for settlement request. - rep did not know -phone call - XX/XX/20 in regards settlement request - fax # XXXX provided -fax letter requesting settlement date XX/XX/20 - to fax # XXXX XXXX fax # given by Citi Cards rep ) XXXX phone call to check on letter submitted, rep did not know about this type of request and stated that it can take few days to view any letters on them systems. 
XXXX phone call to check if fax was received, rep stated no they don't have anything on them systems about any of my request. 
XXXX - received letter stating that my request was not clear. 
XXXX - fax letter explaining request for settlement reason and provided proof of funds. 
-phone call XX/XX/20 to check if any correspondence was received they stated nothing, they don't have anything. 
XXXX - fax letter requesting settlement. 
XXXX phone call - rep stated that they don't have any letter from me on them systems. 
XXXX fax another letter requesting settlement XXXX phone call - representative stated that they don't do settlement and stated that I have to talk to the repayment plan dept. was transfer - long hold time did not talk to anyone on the repayment plan dept. 
XXXX phone call rep stated that for settlement request I have to call on of after XX/XX/20 when my statement is ready to be cut out. 

Besides of response from letter received dated XX/XX/20 about Citi Cards not understanding my settlement request, never again Citi Cards responded or provided me any information about my request, neither a denial, a suggestion or an offer or explanation or instructions on my request. Every representative I spoke with had no clue of an idea about a request for settlement, they always said that no documents from me on them systems. I was provided a few time the same fax # XXXX and I did a few times ask for a different fax and they keep given me the same fax #.
Product: Checking or savings account

I am a Chase Privat Client, at least that is what they told me. I got notification tonight that {$26000.00} was taken out of my account. I now have no access to my own account. I have called Chase and waited on hold 2 separate times for 1 hour ( 2 hours and counting ). No one will answer. I have a large business account that I no longer have access to. I need help ASAP. They will not answer the phone.
Product: Debt collection

I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid
Product: Mortgage

We had a second mortgage loan through XXXX where we had automated monthly payments of {$270.00} deducted from our bank account. Our loan was sold to Bayview Loan Servicing without our knowledge. We noticed that our payments had stopped being deducted from our account, and we contacted XXXX. XXXX then told us that our loan had been sold, but we were not given any details. We found out that Bayview now had our loan because we saw it listed on our credit reports. We have been in contact with Bayview regularly via phone over the last 2 years, and our account has been passed around to several different people within the company with no resolution. We were told that Bayview did not usually handle loans like ours, and they were going to try to sell it. Meanwhile, they would not accept payments on the loan, yet they have been reporting to the credit agencies that we have missed 23 monthly payments in the last 2 years. We have no contract, no letters, no statements, and no email correspondence. We have tried to dispute this through the credit report a couple of times, but nothing has been resolved or corrected. Bayview reports that all information is accurate.
Product: Debt collection

I have a collection on my report that belonged to my XXXX ex husband. Even though it was his and not mine i still paid it and the company removed the item from my credit report. Now another company is attempting to collect the same debt that was paid thru the other company and have put a new collection on my credit report. I have attempted to get the collection removed from my credit report with the XXXX credit bureaus but they are not removing the collection.
Product: Debt collection

Delete these medical collections from my credit report effective immediately as they are banned by the XXXX and they can no longer report on my credit reports effective immediately XXXX XXXX XXXX
Product: Bank account or service

XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. 

WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. 
MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. 
USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. 
Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. 

No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. 

This is my response to I do n't agree with USAA at this juncture.
Product: Mortgage

I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.
Product: Checking or savings account

I applied with this credit union over two months ago and have provided ample documentation well past the point of identifying myself to the satisfaction of the Patriot Act. This discriminatory bank allows liars and cheats who scheme the system to open an account but my XXXX XXXX  name disqualifies me. 
They wouldnt turn down XXXX XXXX and his new child with their name nor would they deny XXXX XXXX who applies as XXXX. 
How do they suddenly get to be the naming party to decide my name isnt sufficient? This is racism at its finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

I started repaying my federal student loans on  XXXX / XXXX / XXXX  and signed up for th e Public Student Loan Forgiveness program shortly after that came out. I asked my loan service venders & PSLF p rogram on more than a dozen occasions, dates would be documented in their records of call history, if I was doing everything right to be qualified to have my loans forgiven in 10 years as PSLF program requires. I asked if I was in the right forgiveness program plan which I was told each time, yes. In  XXXX , when I double checked with PSLF program and my federal loan service vendors what the date was my federal loans would be forgiven, they stated that from  XXXX , I was not making payments under the correct repayment plan to qualify for PSLF program. I made approximately 6 years of on time payments under a repayment plan that did not even qualify for forgiveness when I was told i was doing everything correctly. That is approximately  72  payments. Thousands of dollars later, and in  XXXX , i immediately switched to an income contingent repayment plan and have been submitting annual renewal paperwork and making on time payments under this plan. I feel I was misguided and cheated out of thousands of dollars. I can barely afford to live being a single income dependent person, struggling with so much student loan debt, that I 'm not sure what else I can do to get out of this financial hardship. If I would 've been informed correctly, I would be having my loans forgiven. Please help and guide me in what i need to do.
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXRAUD, PLEASE, REMOVE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE, REMOVE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 


Please see this matter is removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX. {$500.00} {$650.00}.. {$1400.00} XXXX. {$96.00} {$430.00} {$550.00} {$820.00} XXXX XXXX XXXX {$400.00} XXXX. {$720.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 1915 XXXX XXXX. XXXX