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

I applied for a Chase credit card online around XXXX. On XX/XX/XXXX I got a letter in the mail from Chase stating that they were concerned that someone was using my personal information fraudulently and declined an application because of this. It was reference number : XXXX. It stated to contact them if the application was valid. I had called them multiple times, between 5-10 times and each time someone would keep telling me they had to transfer me to another department over and over. Every time someone would pick up from the next department, they would say I need to call another department or they couldn't help me. The last time I had called I was just extremely frustrated, I believe I called Lending services because that is where someone told me to call, I called during operation hours and I was on hold for 2 hours 39 minutes before I gave up. No one ever helped me clear this " fraud '' or helped me with my credit card application. I believe they denied my credit card because I told them that I either used one of 2 addresses I live at, but I wasn't sure of which one, but I explained to them I had just moved. They still didn't help me. Now for months I have been unable to apply for any other credit card companies which is affecting my credit score that I am trying to build. They have been very unhelpful throughout this whole process and the 3-4 months I have been waiting and I never got a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$74.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : 1. XXXX XXXX XXXX Bank Card Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

2. XXXX Bank Account XXXX : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

3. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

4. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( XXXX ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Product: Money transfer, virtual currency, or money service

Today, after sending in the attached Affidavits Western Union ( WU ) that they requested, upon my refund status seeking phone call for WU case # XXXX, the Agent first informed me that it has been over a year since the money orders were cashed and WU is not responsible! WU automated line led me to believe that my mortgagee had cash the money orders ; No fraud alert heard at all with each call check!

WU caused me financial loss because they honored my two clearly altered money orders totaling {$1500.00} on XX/XX/XXXX. The money orders were originally made out to my mortgagee, XXXX XXXX! A complaint was also filed with the XXXX XXXX XXXX XXXX XXXX XXXX, because they were stolen after they were mailed. WU also collected a {$15.00} tracing fee for each of the XXXX moneys orders knowing that they could not help me since the alteration happened over a year. 

WU engaged in very poor customer service because they received my two-money order tracing request on XX/XX/XXXX via USPS as confirmed by the postal tracking number : XXXX. According to WU, it would take XXXX XXXX XXXX  days to process my request. I called XXXX several times in XXXX and each time the representative falsely claimed that the copies of my cash money orders were mailed to my home address on XX/XX/XXXX. WU finally sent my tracing request via my email on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my initial Complaint ( ID # XXXX ), I reached out to Navient on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have Navients ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of Navient. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( Navient is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to Navient, but they are not obligated to response to that form of communication.
Product: Credit card or prepaid card

American Express has informed us they have had payment problems, including a letter mailed to our home about the problems dated XX/XX/XXXX. ( I will attach this document. ) Despite that, they keep telling us our payment is past due and they are threatening to send us to collections. 
We paid AmEx bill via our XXXX bank on XX/XX/2022. We have proof of this and have shared it with AmEx. We paid more than the full amount due and they claim they can't see the payment even though it is clear on XXXX ' side that the money went to AmEx. 
We have called three times and have gotten no where with the company. We asked to speak with a supervisor the last two times, and the latest time ( tonight at XXXX XXXX XXXX ), they said they were too busy and the supervisor would call us back. 
The last supervisor said we talked to said we could resolve this by wiring even more money to AmEx via our XXXX account ; but we don't want to send anymore money to the black hole that is AmEx 's payment system. 
All the folks we've spoken to there say they can't do anything about this until their system is fixed, and say we " probably '' won't be liable for fees, interested etc. But no one would put this in writing in an email..and if they send us to collections, we will suffer the ramifications of that. 
Corporate America, whether it be greedy credit card companies, airlines, etc., seem emboldened to not care about consumers and enrich their executives. We need the FTC and politicians to step in.
Product: Debt collection

Date of services XXXX at XXXX XXXX at XXXX XXXX. My insurance was billed and radiology partners/singleton associates alleged mailing me a statement for {$260.00} that I never received due to mailing statement to the wrong address. I paid all other services I received from other entities, but never received anything from singleton associates. XX/XX/2022 I received a letter from the law offices of XXXX XXXX XXXX, debt collectors. I attempted to call and find out more information- since I am a victim of fraud and identity theft - I requested proof of alleged debt. They sent me a vague statement with wrong address and I called and spoke with two individuals that were rude and accusatory- I hung up due to conversation was not going no where- they didnt want any explanation, they wanted to bully me into paying debt. I called singleton associates directly to explain situation numerous times and was told by many employees that my situation was documented and I would receive either a phone call, email or correspondence in the mail. Ive Never received any correspondence of any kind from anyone to reach resolution. 
I placed a complaint with XXXX  and singleton associates avoided resolution. Meanwhile, law offices of XXXX XXXX XXXX has sent a derogatory message/comment on me and my husbands credit report. I would appreciate any assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to CFPB previously to resolve this issue regarding a credit card that was obtained in XXXX reflects me as a co-debtor despite the fact that I was not even born until XXXX. The company reached out to me apologizing that the error was on their part but the debt remains on MY credit report. This credit card is nearly maxed out and it is directly affecting me from being able to utilize and or establish credit in my name. How can I have this error removed from XXXX and equifax? It appears to be removed from XXXX but still present on the other two despite the previous report being in excess of 30 days. Please help! This credit card has a limit of {$12000.00} and it pretty much stays at that at all times drastically affecting me overall use of available credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I set up my refund preference with XXXX  XXXX to receive my XXXX financial aid refund through Venmo. On XX/XX/XXXX, I received my financial aid refund of {$1600.00} ( Financial Aid ID : XXXX ) into my Venmo account through an ACH transfer. Shortly after receiving this legitimate financial aid deposit, Venmo suspended my account without explanation. 
I followed their verification process and provided photos of my ID as requested ( ticket # XXXX ). After submitting my ID, I received no confirmation. I contacted their support via chat on XX/XX/XXXX, and spoke with a representative XXXX XXXX XXXX XXXX who said they would escalate my case. Later that day, I received an email from XXXX XXXX, an Account XXXX, stating they were permanently deactivating my account and would hold my funds for 180 days for " loss prevention purposes '' - despite this being a verified financial aid refund from my university. 
They have refused to provide any explanation for why they suspended my account, stating they " do not divulge our decision-making criteria. '' They also informed me they will not respond to any future inquiries about my case or my funds. This is my educational funding that I need for school expenses, and they are holding it without cause or explanation.
Product: Credit reporting or other personal consumer reports

Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from XXXX XXXX Equifax and XXXX from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.
Product: Debt collection

calls started XXXX/XXXX/2015 from XXXX XXXX from XXXX XXXX and XXXX saying I owed a debt from XXXX and that I never paid this and he was going to file criminal charges for check fraud because I took money from the company with no intent of paying it back I had a payment arrangement with XXXX that I made a payment on he called my work number XXXX gave him my cell and he left a message XXXX/XXXX/2015 saying since I do n't want to take care of my responsibilities he was going to file said charges I spoke with him several times and acknowledge my debt he likes to hang up on people I eventually that same day spoke with someone and made a arrangement of XXXX every 2 weeks I asked him if I could do XXXX something every week instead he said yes as long it was the same amount of money with in the same amount of time so after the first payment XXXX/XXXX/2015 of XXXX I called and asked if I could go to the every week payment and I was told no then hung up on I called again and was told yes he was changing it now so on XXXX/XXXX/15 the XXXX was pulled again so I called XXXX/XXXX/2015 to talk to him they do n't know who he is they say I am combative and I only talked to XXXX XXXX which was incorrect and say that I can not dictate them how to do there jobs when I clearly said it would be the same amount of money they can not under stand they are rude and do n't understand that I am owning up to the debt or I would not have made arrangements to pay at all I ask them for documentation and they can not or refuse to show me anything also I am not going to be harassed and threatened over XXXX
Product: Debt collection

My Chapter  XXXX  Bankruptcy was  discharged   XXXX   XXXX ,  2017  including a debt of  XXXX  from SunTrust Bank. However  XXXX ,  XXXX  dropped my case oveer my complaint with the   XXXX   XXXX    and  submitted  XXXX  electronic payments to a closed account with SunTrust. After numerous letters and visits to SunTrust branches in  XXXX   XXXX ,    2017  I received a letter from SunTru st Recovery Dept. than king me for the payment and demanding an additional {$700.00}. This whole account was discharged  XXXX   XXXX ,  2017  and SunTrust received proper notice from  XXXX  and my new attorney. The electronic payments from  XXXX  to SunTrust were an error. I never paid any monies to SunTrust and do not owe any further amounts to SunTrust I have all the   XXXX   XXXX    info rmation and the numerous letters to SunTrust. The last call I received from the SunTru st Recovery Dept state d that they would not return the money ... .period.
Product: Credit card or prepaid card

In XX/XX/2019 I purchased a sofa on sales order XXXX at the XXXX NY Macys. I was induced to take our a Macy Store Credit card that would be a discount on delivery that would not charge interest if paid in 12 months. In doing so I set up the account for autopayments following the store direction. The store said that the interest charges would accrue throughout the year but would be waived at the payout at the nd of year. 

In fact the account was only set up to charge the minimum amount due and there fore was not paid out in the twelve months. When I asked to have the interest removed, the declined even though I had paid the original amount due ( {$640.00} ) when ZI discovered the discrepancy.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Account Number : XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/XXXX these account was opened and furnace as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping XXXX points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the situation.
Product: Mortgage

360 Mortgage has submitted a debit to an account that I did not authorize. The representative took my payment over the phone and was to debit my checking account ending in XXXX from XXXX Bank instead there were XXXX debit transactions made XXXX from my XXXX account and XXXX from my XXXX. I was charged a {$36.00} Insufficient fund fee from XXXX for this and was reported 30 days past due on my mortgage account by 360 Mortgage which was not authorized to debit this account for my XXXX mortgage payment.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX