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

I XXXX XXXX A federally protected consumer have been a victim of Identity theft. I have contacted Transunion 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have attached a letter from Macy 's -- -- I cancelled by card with them a long time ago. They state it was a Macy/AmEx card . I do not have any info about the card due the length of time except that the card # ended in XXXX. 

This is from the letter I sent to the XXXX XXXX XXXX and Macy 's. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint : Macys Credit Card ( my name ), Card # ending in XXXX Dear Sir or Madam : Enclosed is a copy of a letter I received from Macys dated XX/XX/XXXX about a credit card that I cancelled a long time ago. Apparently they have split from XXXX and are providing their customers with a replacement Macys card. 

I DO NOT HAVE AN ACTIVE MACYs card nor did I request a new one. They acknowledge in the letter that my account was previously closed. 

I was very upset by this and called. I was told that this letter was sent in error, that they had a lot of complaints and that a new card was NOT being issued. A CARD WAS RECEIVED THE NEXT DAY. This reminds me of the gigantic scam perpetrated by XXXX XXXXXXXX XXXX 

Macys has no right to open a credit account in my name without my express permission. I would imagine this misuse of my personal info ( that they kept since I cancelled over 5 years ago ) in is violation of the Patriot Act?

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Macys XXXX  : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A TOTAL FALSE ADVERTISEMENT/SCAM? TO GET CONSUMERS MONEY! 
I DID ALL THAT WAS REQUEST AND GOT NOTHING NO BOOST JUST RIPPED OFF INTO BUYING A dam membership. 
Not a good thing to be doing during a recession /crisis. They are using this scam to charge your credit and or debit card to purchase a credit bureau membership. 

Please make them stop this scam. Like I said I pay my XXXX  energy bill on my XXXX  XXXX card and like a XXXX fool I grant EXPERIAN access to my major credit card XXXX  XXXX for this boost scam. Got absolutely nothing no boost. I also contacted my XXXX    XXXX credit card company to report this scam. 
XXXX  XXXX, they are watching this credit bureau scam as well. I am not the first person reporting this to XXXX XXXX. XXXX XXXX informed me of this scam too informing me that other customers that have credit cards with XXXX  XXXX has also been reporting this to the credit card companies.
Product: Debt collection

Pro Collect INC showed up on my credit report XX/XX/XXXX and I never any notification my phone, or mail regarding a debt being owed. I moved out of my apartment XX/XX/XXXX. My old apartment complex which we left due to a mold issue just stop responding to my emails after I emailed proof of the mold. They then sold the debt to this collector without my knowledge. Not them or this collection agency has ever sent me a bill by mail or phone call letting me know I have a debt owed. I only knew about it because it showed up on my credit report last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian
Product: Debt collection

I sent Receivable Management a Debt Validation Letter requesting information to prove that this debt is owed. I have not received any response nor any information providing that this debt is owed and information concerning the original debt including fees and any other information about this debt. This company still have not sent the required information to report this item on my credit report, this is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .*******According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... .....

I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... ....

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ......

I request that the following inquiries be verified or removed immediately : ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An XXXX XXXX XXXX credit card under XXXX with XXXX  address and phone number appearing on my credit file as a collections. when I try to call td bank they say they do not have my account and are no longer associated with XXXX however they are reporting it as late every single month when I call XXXX they say I need to call XXXX. I have no one to resolve this with yet XXXX continues to negatively hit my credit every single month. I was recently victim of identity theft as well
Product: Credit card or prepaid card

The day before yesterday, I received a PNC BANK debit card that I didn't apply for by mail, so I think someone stole my personal information and opened an account on PNC BANK. So, I made several phone claims to PNC Bank, but they didn't accept my personal information wrong, so I'm so worried that I'd like to report it. Debit card # XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).

On the date XX/XX/year>, I received an email notification indicating that someone had requested {$1000.00} from me via XXXX. Upon verifying the authenticity of this request through my XXXX web page, I proceeded to contact XXXXXXXX XXXX customer service for assistance. After being redirected multiple times, I finally connected with an individual who identified himself as " XXXX, '' claiming to be a financial advisor affiliated with XXXX. XXXX asserted that he could resolve the issue and instructed me to install remote desktop software, " XXXX, '' on my computer. Subsequently, an unauthorized transaction of {$50000.00} was initiated from my Wells Fargo checking account to an undisclosed destination. XXXX informed me that the transaction could not be cancelled conventionally and advised me to return the funds in bitcoins. 
Driven by a sincere intention to rectify the situation, I withdrew {$21000.00} under false pretenses, from my Wells Fargo account and purchased bitcoins as instructed by XXXX. However, upon discovering the disappearance of {$50000.00} from my account and unauthorized transfers between my savings and checking accounts, I became increasingly wary of XXXXXXXX XXXX instructions, and stopped any further communication.
Product: Debt collection

Collection Company : Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Alleged Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The company alleges that I owe {$510.00} in payment for anesthesia services. 

So far as i can determine, the insurance company was responsible for payment of this alleged debt. I do not owe them any money. But there is an unfavorable listing on my XXXX XXXX credit report as a result. 

Attempts to deal with the creditor have proven impossible, since they list a balance of XXXX and say the debt was sold. 

Attempts to deal with the collection agency are not possible. In the most recent case, my husband, with my approval, demanded proof of debt. He was hung up on twice. 

According to the XXXX, the collection company has victimized numerous people with falsified listings of alleged debts owed on credit bureau reports. There is no way this can be resolved with them directly. 

XXXX XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I have learned the finance charge is the sum of all charges. I should not have a bill from Santander Consumer USA. Santander Consumer USA continues to bill me each month. They have also violated 15USC 1692g and fail to info me on my right to rescind.
Product: Mortgage

I applied for a pre approval with better.com at the recommendation of nerdwallet saying they were one of the better mortgage companies. I instantly received a pre approval of just over {$160000.00}. I spoke with a representative and she told me everything looked good on my account so I proceeded with finding a home. I got my purchase agreement and uploaded it like instructed, Went through all the steps and then had a 30 minute conversation with another representative who told me everything looked great, I had good rates and so on so forth. He then did one final step of running my information through an underwriting program and told me I was rejected. He tried to find other things he could do and found none and could not tell me over the phone why it was rejecting me just that the underwriting system said no and if it said no, the underwriter would say no. I later received an email with the reasons after reaching out to 2 other financial services to try and solve my situation -- I now have a purchase agreement and no loan due to things on my credit score I had no idea were there/were issues. If my credit had been checked properly I would not be in this situation. This has caused me to feel humiliated, I need to provide {$1000.00} in earnest money I'm not sure I will get back and I feel has hurt my reputation. I would not go get a home if I had not been preapproved in the first place. I don't feel like this is a fair practice for first time homebuyers. The second representative told me he has to deny people like me multiple times a day which leads me to believe others are also being fed this false hope of getting their home and then having that immediately pulled from under them. I didn't even want to get out of bed the next day I was so humiliated and felt extremely helpless. I just agreed to buy a home because this company assured me I would be able to afford it with my preapproval and now have no way to actually purchase my home.
Product: Mortgage

Based on my Escrow Balance Tab on the online account page, Mr Cooper paid my annual XXXX  Insurance bill in full XXXX  times : once in XX/XX/XXXX {$XXXX}, again on XX/XX/XXXX {$XXXX} and a XXXX  time on XX/XX/XXXX {$XXXX}. Debiting my XXXX account XXXX  times for XXXX bill, in total they have disbursed {$XXXX} from my account for a bill that was initially {$XXXX}. 

I was first alerted to the problem from a letter on XX/XX/XXXX sent by my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX advising they had not been paid the annual premium. When I reached out to my insurance agent she confirmed. I reached out to Mr Cooper, my home loan servicer. They said they had sent a check on XX/XX/XXXX. When I investigated the address as it was not the one on my bill, I discovered it was a company with a similar name that handles properties in the XXXX XXXX XXXX, we are in Hawaii. I have no idea how they found this address. 

They sent another check to the address my insurance agent and I provided via a conference call on XX/XX/XXXX. Our Insurance was reinstated XX/XX/XXXX. 

I went online to review today and per my online Escrow Account Balance, they sent a XXXX check for {$XXXX} on XX/XX/XXXX Since this error was Mr Coopers XXXX, I would like the funds, {$XXXX} returned to my escrow account in full immediately.
Product: Credit reporting or other personal consumer reports

I asked them to submit me the investigation for the bankruptcy and confirm from original creditor and they still haven't provide the information on the XXXX  that was discharged from : Name : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Section 611 of the FCRA ( 15 U.S.C. 1681i ), which outlines the process for disputing the accuracy of information. 

Results of the Reinvestigation : The CRA must provide you with the results of their investigation in writing. If the investigation confirms the accuracy of the information, they must include a summary of the investigation.

Access to the Report : If you request it, the CRA must provide you with details about the investigation, including the contact information of the original creditor or data furnisher who verified the disputed information. 

Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) : This section outlines the responsibilities of information furnishers ( including original creditors ) : Subsection ( b ) : If a furnisher receives notice of a dispute from a CRA, they are required to : Investigate the dispute. 
Review all relevant information provided by the CRA. 
Report the results of the investigation back to the CRA. 
Correct or delete inaccurate or unverified information.
Product: Checking or savings account

My account was closed XX/XX/year> i think ive been trying to contact for years trying to find lawyers i had XXXX XXXX in my savings account the account is called chime banking
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  / XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to dispute several hard inquiries listed on my credit report, which I believe are the result of unauthorized access to my personal information due to a data breach. These inquiries were not authorized by me and were made without my consent. I request that these inquiries be removed from my credit report pursuant to the following laws : XXXX. 15 U.S.C. 6802 : This section of the XXXX XXXX protects consumers by restricting the disclosure of nonpublic personal information, which includes personal data involved in data breaches. Unauthorized access to my personal information violates these protections. 
XXXX. 45 U.S.C. 1681b : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reports may only be accessed for permissible purposes. The inquiries listed on my credit report were made without my authorization and do not meet the legal requirements for permissible purposes. 
XXXX. 18 U.S.C. 1028A : This section criminalizes the unauthorized use of personal identification information. The fraudulent hard inquiries resulting from the data breach constitute a violation of this statute. 
The inquiries in question were made by the following institutions on the following dates : XX/XX/year> by XXXX XXXX XXXX XXXX  XXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX  XXXX XXXX XXXX XXXXXX/XX/year> by XXXX XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXXXXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX XX/XX/year> by XXXX XXXX XXXX Since these inquiries stem from unauthorized access to my personal information, I request that you remove them from my credit report immediately. The presence of these inquiries on my credit report is damaging and a direct result of identity theft.
Product: Debt collection

I owed {$1600.00} to XXXX XXXX XXXX Credit Card but medical expenses probated payments. My wife, XXXX, XXXX. We both live on XXXX only. 

XXXX XXXX XXXX sold the debt to a law breaking junk debt collector XXXX XXXX, XXXX. Their attorney, Guglielmo & Associates PLLC, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were deadbeats. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from Social Security only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

XXXX XXXX XXXX and Guglielmo & Associates PLLC have violated the FDCPA laws and should be held accountable for their law breaking activities..
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # 1-6, has VIOLATED My Rights. 

1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.
Product: Debt collection

I am writing to you regarding account number XXXX, which is associated with my name, XXXX XXXX. It has come to my attention that Avant has been reporting this account to the credit bureaus as if it were an open account, despite it being charged off. I would like to bring to your attention that this practice is in violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, charged-off accounts should be reported as such, and they should not be depicted as open accounts. This misreporting can have significant adverse effects on my credit score and financial standing. Furthermore, I have not been provided with proper documentation associated with this charge-off, which raises concerns about the accuracy and legality of the reported information. 

Additionally, I would like to address the issue of documentation related to the charged-off amount. As per my understanding of IRS regulations, creditors are required to issue a Form 1099-C to debtors when an amount is charged off. However, I have not received any such form from Avant, which could potentially lead to complications regarding tax compliance and reporting.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Product: Student loan

Family members were contacted to get ahold of me. Information was used that is not listed on my account an a non company phone number was listed as the call back for Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.
Product: Debt collection

On XX/XX/XXXX ( Sunday ) American Express called me 5 times to collect a debt, these calls have continued at a maximum of 10 calls per day from number XXXX after requesting that the calls stop and that the debt would be taken care within the next week, the debt collector proceeded to contact my employer 4 times within 5 hours revealing that they were collecting a debt and from what company they were from. When leaving work I received written notes from all the calls from American Express. The company has violated my rights
Product: Debt collection

Debt was paid to XXXX XXXX Which represents " XXXX XXXX  XXXX '' for a debt I didn't owe which is my Uncle 's.