23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. Please acknowledge receipt of this message and provide an update on the progress of correcting the opening dates of my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Bank account or service

Was charged {$35.00} per an overdraft in my checking account. While, Wells Fargo has refund the Overdraft fees before because they are outrageously high. I spoke with a young women at Wells Fargo General Banking Call Center and they told me that would not be possible. While I like Wells Fargo, I know most smaller banks and credit unions do not charge such outrageous fees for occasional overdrafts.
Product: Credit card or prepaid card

Back to XXXX, 2022 I was contacted by someone from the XXXX XXXX. The agent who picked up transferred me to a XXXX XXXX who later provided his phone XXXX who proceeded to tell me that he would refund me directly to my Chase account. He began processing the refund by breaking the {$230.00} into two figures, {$60.00} and {$170.00}. He then asked me to enter on my computer, the first amount, {$60.00}. The computer 's visual processing information generated the figure, {$60000.00}. XXXX was very upset because it was such a gross mistake that he could not reverse. Next, he wanted to demonstrate the funds available in my account, so he asked me to log into my account where it showed the credit limit was {$60000.00} more than the original limit. At this point, he demanded I return the money and suggested I go to Chase and request a $ XXXX cash advance. With him on the phone, as he requested, I went to Chase to make the request. The maximum allowed was {$3500.00}, which I withdrew. He then instructed me to purchase XXXXXXXX XXXX XXXX  and provide him with the numbers. This I also did. I returned home with him still on the phone seeking the balance of the $ XXXX. He started by asking that I transfer a $ XXXX XXXX XXXX XXXX to my checking. After the gift cards were purchased, he asked for the identifying numbers on the card. Needless to say, when I contacted XXXX, they confirmed that all of the gift cards were negotiated leaving XXXX balances. Today, I feel lost because my financial situation went bad, I simply feel betrayed. I lost some amount because of the fraudulent company of which I was not aware. That's why, I am coming to you with this official request to help me to get the refund of my full lost money for the amount of XXXX USD. 
Chase verbally declined my request for a refund. I requested a letter with Chase 's decision but to date I have not received it. I contacted Chase today and was told that they will not prepare such letter. 
My case number is XXXX
Product: Credit card or prepaid card

XXXX XXXX have restricted my Apple Card since XX/XX/22 and have refused to let me know why or rectify the situation after multiple calls. I'm unable to use my card.
Product: Credit card or prepaid card

I received a fraudulent text message from an fraudulent phone number impersonating XXXX. I clicked the link and provided my Ally Credit Card information for a redelivery fee. I then realized it was a XXXX SMISHING scam. 

I called Ally Credit Card to report that my credit card information had been compromised and waited on hold for 25 minutes to talk to a customer service representative / fraud department. Suddenly the hold music ended but the phone call was still active. I said " hello '' " hello '' etc. and no one was on the line. 

I sent a follow up email to ALLY Credit Card indicating it's ridiculous that I can not reach someone to report that my credit card was compromised. I still need to have this card replaced but am unable to connect with the fraud department to report it
Product: Debt collection

I submitted a dispute and requested documents to the creditor, received them, notarized, filed FTC report for identity fraud, filed a police report, filed disputes with credit bureaus. Still company called Resurgent Capital Services L.P. keeps harassing me sending me letters with the same information and trying to collect a debt, that is a result of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX Discover Financial Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by Discover and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXXXXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX XXXXXXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Product: Credit card or prepaid card

I rented a vehicle in XXXX from a company using the name of XXXX XXXX XXXX, ( XXXX XXXX XXXX  XXXX says it has no affiliation and states they just use the name ). They tried at the counter to overcharge me but then backed off and I agreed to rent the car. They said they would drop it at the hotel. The car they dropped off had difficulty starting very old, and in clear need of maintenance. I nevertheless less drove the car for 1 day and returned it in the exact same condition unaware of the full extent of the mechanical condition. I realized it was a scam as they failed to provided the necessary documentation they promised, but at that point it was too late as I already rented the car. I returned the car in the 'exact same condition ' as I received it. My colleague attested to this fact. Nevertheless Chase Card services up held the charge and is trying to make me pay for this scam/unauthorized charge. In addition to the rental fees I was charged an additional {$330.00}. I should not be held responsible for the mechanical condition of their vehicle. I have no way of knowing the mechanical history of these vehicles. I do know I returned it in the same condition I received it.
Product: Debt collection

Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.
Product: Debt collection

I received a text message with the spoofed identity of a family member, requesting that I contact MRS Associates regarding a debt from XXXX  XXXX Bank. I researched the corporate identity of MRS Associates and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that XXXX  XXXX Bank had acknowledged as being invalid. More that thirty days after the declaration by XXXX  XXXX Bank, MRS Associates continues in its attempts to collect the debt.
Product: Debt collection

Hunter Warfield has violated the FDCPA ( Fair Debt Collection Practice Act ) by commenting on unfair practices which is a direct violation with laws put in place by congress and you are violating the law here to protect consumers. According to 15 U.S. Code 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


They have been reporting alleged account on my credit reports which include interest and fees. Hunter Warfield Has violated the FDCPA along with my consumer rights.
Product: Mortgage

The IRS has placed a lien on the property of XXXX XXXX XXXX XXXX, XXXX CA XXXX. On XXXX XXXX a person tax lien. 

The IRS can not accept payment from an unknown party with no legal standing to ask to have removed a tax lien to commit civil fraud against me and the estate of XXXX XXXX. The estate has not been probated and the debtors and creditors have not been heard.
Product: Credit reporting or other personal consumer reports

Midland credit management XXXX the amount is {$220.00} XXXX XXXX XXXX XXXX Obligations with respect to disclosures of personal information with XXXX XXXX XXXX XXXX may-not disclose nonpublic personal information to a nonaffiliated third party unless.. 
Basically the financial institutions is supposed to give the consumer the option to opt out of being reported to XXXX, XXXX, and XXXX but they don't. They take your info and give it someone is which is a direct case of identity theft
Product: Debt collection

They call my phone number and play games on the line, use offensive language towards me and call me names when I tell them to stop calling me and then they h/up.
Product: Credit card or prepaid card

Citigroup made the following changes to their policies and are violating the law. They stated : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... Here is a link to full text of Citigroup policy : https : //blog.citigroup.com/XXXX This is in violation of 15 USC 1691a , Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

The law is clear.
Product: Debt collection

I have filed disputes concerning my credit report that has some charges on there that was not mine as I was currently in custody and the BOP was responsible for the charges applied. They refused to resolve this.These were placed on my credit report. The company was M & M Credit for the sum of {$910.00} and {$980.00}. This was not my responsibility to pay as the BOP was. This shows up on XXXX and XXXX.
Product: Mortgage

On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. 

This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. 

I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. 

Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status.
Product: Credit reporting or other personal consumer reports

I was an victim of identity theft! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in high school I graduated class of XXXX i never had an apartment i am still livining with my mom!
Product: Debt collection

I have had a recurring problem with a XXXX XXXX account which is being billed to me for services I have never asked for or used.

Originally, a collection agency called XXXX XXXX XXXX in Texas reported the account, showing the same balance. I disputed the validity of that debt to the credit reporting agencies and it was removed from my credit history.

Waypoint has recently begun reporting this debt now to XXXX, and it now appears on my credit history. Waypoint did not mention in their reporting that this debt was disputed, and they also reported that the original creditor was XXXX XXXX. This is simply incorrect. XXXX is not the original creditor ; it was XXXX. XXXX was then bought by XXXX, which is part of XXXX, but that does not make XXXX the original creditor.

In any case, I dont owe anything to XXXX or XXXX. I have disputed this debt when it was with XXXX XXXX XXXX and have again disputed this debt now that it is being reported by Waypoint. I do not see how its legal or fair for a debt collector to report a debt, it be contested and removed, and then the creditor simply has a different agency report the same debt under a different name.
Product: Credit card or prepaid card

My card was fraudulantly charged {$4000.00} in XXXX of XXXX and i disputed charge and they credited it back in XXXX of XXXX BUT they charged interst and late payments until XXXX of XXXX and then never sent me a letter and just sent to collections and now it has ruined my credit. i have tried to resolve this with 7 hours worth of phone calls over 3 weeks of calls and they have no idea why i am calling. i have a case # and they still wont resolve this.

THIS IS MY CASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX  Have fraudulent accounts on my credit profile that need to be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: 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. 


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 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 has violated my rights. Or 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: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( 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, Experian 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 XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/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 in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud