23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm a victim of identity theft and fraud against me.I have already made proper reports with appropriate agencies and am still going through it and it's exhausting and relentless especially with companies who don't do their due diligence and ask for proper ID or background checks, if they did these examples would be less of a headache I'm already going through.So I was pulling my credit report and found this, no phone call, no documentation, no validation so I could even dispute to remove.Was only made aware of this fraudulent activity against me by pulling my credit reports for another problem.I immediately called and was met with a rude hostile person whom I told who I was and this is a result of my identity being stolen and fraud against me in so many words, and they haven't even did the bare minimum of validation by FCRA standards i believe there supposed to at minimum, not even a phone call, and it's because it's not mine it's fraudulent against me and should immediately be removed, met with refusal of course.Did find out where my stolen identity was used this time was from XXXX XXXX somewhere in Texas where I never lived.I called XXXX XXXX and spoke to a XXXX  and told him this was not mine and a result of identity theft and fraud against me and they didn't even call much less provide validation ... because it isnt mine and don't exist, but I repeated he needs to send me validation so I can turn documents over to identity theft, he refused.This is false and fraudulent negligent credit slandering reporting and needs to be removed.This has gotten so twisted and theyve gotten away with this so long without accountability its very distressing and disturbing.Im not very good with putting thing into to words, but i think my point is made thus is wrong.I did however dispute and report this with a couple agencies so far afterwards and will vigorously stand angainst all wrongs against me and will continue to stand for whats honest and right even if i have to stand alone.Thank you and please remove all false and fraudulent credit slandering reports against me as we consider further proper options to deter these bad practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Fraudulent Hard Inquiries 
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX  VA, XXXX  Phone number: XXXX XXXX  
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX VAXXXX XXXX
Phone number: XXXX XXXX
Product: Credit reporting or other personal consumer reports

My data was exposed in a data breach trying to file a ftc
Product: Credit card or prepaid card

The monthly statement on my Venmo credit card ended on XX/XX/XXXX and cash back rewards were supposed to be sent to my account within 3 business days. I learned that my account was closed by Venmo on XX/XX/XXXX and cash back was forfeited. Since I did not close the account I don't think it's fair for me to forfeit my cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.
Product: Credit card or prepaid card

I submit a dispute with navy federal I was charged {$290.00} with XXXX XXXX item was returned successfully back in XXXX provided all documents to navy showing the return the individual that signed for package exc its been 3 months now and navy federal has yet helped me in getting my refund and has not provided me with any valid explanation on why
Product: Credit card or prepaid card

XX/XX/2021, charge for XXXX business training for {$1300.00}, Ive disputed the charge and initially got my money back but then discover placed the charge back in my account and said the investigation was still under review.
Product: Checking or savings account

I do not have exact dates on when I called customer service to resolve unnecessary overdraft fees & trying to get reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of my credit.
Product: Checking or savings account

In late 2019, Chase Bank has begun a habit of charging {$34.00} and returning an item, then when it is auto returned by the vendor Chase will pay the same item into overdraft causing a total of {$68.00} fees to the consumer. Whereas in the past the item was paid into overdraft with one fee at its initial presentation to the banking institution. This is now considered as a predatory behavior to the consumer. Statements are attached. Please reference XXXX XXXX and XXXX XXXX transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw a outrageous amount of accounts under my name that are not mine. Please delete these items from my report. 

DPT EDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$840.00} XXXX  XXXX {$1900.00} XXXX XXXX {$840.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$280.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$770.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX {$340.00} XXXX XXXXXXXX {$1100.00} XXXX   XXXX {$13000.00} XXXX XXXX XXXX {$1000.00} CES XXXX {$4900.00} XXXX XXXX XXXX {$740.00}
Product: Bank account or service

The children of XXXX and XXXX XXXX XXXX took advantage of our XXXX month intro special in XXXX and then signed their children up to continue with regular classes starting in XXXX. We billed them XXXX tuition and their children attended classes the entire month of XXXX. We billed them XXXX tuition as well and within a week of that happening XXXX XXXX contacted us saying that they never signed their children up to take classes and wanted to quit. We informed him that we need 30 days written notice to stop billing and that there was a {$150.00} per child early termination fee as stated in the contract his wife signed. We compromised with him despite his rude emails and attempt to physically bully and intimidate my husband into giving him money. We refunded the XXXX tuition payments and agreed to refund half of the {$300.00} early termination fee. He agreed to these terms and we processed the refunds. XXXX then contacted his credit card company, Chase Banks, and tried to report the XXXX tuition payments as fraud and claim that the refunds were never processed and that he never agreed to the early termination fee. We submitted all documentation including the contract, the attendance records, and the emails between us and XXXX. The initial findings of the company were in our favor and the money was re-deposited into our account. XXXX XXXX is trying to dispute the early termination fee again and despite all the documentation showing otherwise, Chase Banks has decided to just take the money out of our account and give it back to XXXX XXXX. Because of the mess this family and Chase Banks has caused, we were able to pay our employees but had forego paying myself and my husband our payroll. These tactics create a financial nightmare for businesses and cost us a lot of time and money when we have to contact our accountants and lawyers. After all that XXXX XXXX is again trying to dispute the early termination fee and even though Chase was given all the documentation showing justification for the fee and XXXX XXXX agreeing to the fee, they have taken the money out of our account again and said our documentation does n't count and only the word of their client does. When I contacted Chase to discuss this with them and offered to re-send the documentation they were extremely rude to me from the employee I started speaking with all the way up to the supervisor who was even more rude and condescending to me. In a nutshell, Chase has taken the position that they will do whatever their client wants and businesses are bad people no matter what documentation is presented to them indicating otherwise. I do not appreciate being treated this way and can not run a business when people do not pay for our services they have used and then use their credit card company to bully us and steal money from us. It is not OK to just willy-nilly take money from other people 's accounts without a valid reason, especially when they have proven their case previously.
Product: Vehicle loan or lease

On XX/XX/28 the vehicle was repossessed from my home. I woke up to go to work at XXXX and noticed my vehicle was not there. I was told by an agent at the bank that after paying 2 payments a few days prior to get the loan caught up due to financial hardship that I could pay the remaining payment the following week. After making the payments the lender still hired a 3rd party debt collector tow company to repossess the vehicle. I called the bank and informed them of our agreement and they said it is out of there hands and they would do nothing unless I paid the entire amount. Due to this unlawful repossession I was unable to attend work that day and had to take off the next day to pick up my belongings from the vehicle. This has caused much stress and anxiety. The lender and the repo company both violated NC law. North Carolina General Statutes Section 25-2A-207. North Carolina General Statutes Section 20-77 states that : Before a vehicle can be repossessed, the debtor must be provided with written notice of the intent to repossess, which includes information about the debtor 's right to cure the default and the amount necessary to do so. 

The debtor must be given at least 10 days to cure the default. I never received a notice prior. From the lender-santander or the repo company XXXX XXXX XXXX located in North Carolina at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lender-Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an urgent matter and the vehicle may be sold within 10 days I would like to resolve this matter as quickly as possible.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

I was a victim if identity theft and bank account take over from XXXX. I filed on all XXXX credit bureaus a freeze and fraud alert in XXXX. Equifax is trying to tell me the alerts have just been put on there XXXX. Obviously not true. I have a credit report from XXXX that clearly states when the report was put on all XXXX Equifax continues to state the freeze was not put on there until XXXX. Why would I put an alert on there in XXXX when I have n't used credit since XXXX. However, negative inaccurate information keeps popping up from XXXX. I call almost everyday and get told different things and I also keep getting told these negative accounts will be removed on certain days. This keeps getting prolonged. I have the documentation when I began disputing the inaccuracies. The first XXXX was XXXX XXXX, XXXX. I spoke to a woman named XXXX who would not give me her employee number. She again lied and told me the freeze was not on the credit until XXXX. I also provided them with XXXX complete police reports, certified letters sent to the companies that are reporting inaccurately, a notarized FTC statement along with a letter. According to the fair credit reporting act, negative information is supposed to be blocked out when proof is provided that is is the result of identity theft. I have spoken to the Attorney General and FTC. They have told me that Equifax is not in compliance and based on the statue could be held negligent for not removing and blocking the information. Evidently, this company has not responded in over 30 days. I have been made to wait almost 90 days and they refuse to delete the item. Any time I send in further evidence, they start a new investigation prolonging the current XXXX. I told them I felt they were doing this intentionally. The representatives lie and are very rude and unwilling to help. I have not utilized credit since XXXX. Equifax is also not following the statues put in place to protect identity theft victims from this sort of thing. Equifax has blocked me out of reviewing the status of the disputes and on the telephone, the representative told me I would have to wait for the mail to see what has been updated. I am sending in a complete package with all of the violations and all of the times I requested this to be deleted. You will see it began in the first week of XXXX XXXX. Equifax is intentionally causing these issues. I told them I needed to repair my credit in hopes of qualifying for a housing program for my children and mother. I have been told so many dates that the investigation would be complete. Equifax is lying. With the documents sent, Equifax is supposed to follow the statues. They are not. The bottom line is they are lying and they need to correct my report immediately.
Product: Debt collection

I got a bill that is not mine from XXXX for Paypal. I don't have a PayPal credit card so I should not have to pay {$980.00} under reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX is showing old incorrect addresses on my report. I would like them removed please due to me no longer being at any of these addresses.
Product: Checking or savings account

In my role as the XXXX XXXX XXXX for the XXXX XXXX XXXX ( " XXXX  '' ), I oversee the bequest administration process. I have a full time paralegal who works on gifts we received as part of someone's planned giving at the time of death. Often times, the XXXX is listed as a beneficiary designee for an individual 's IRA. When that happens, every single financial institution requires that the XXXX XXXX XXXX open up an account in order to receive the funds that have been designated to come to the XXXX. Whether or not this step is necessary is debatable, but that is not the subject of my complaint. In opening up the account, most financial institutions ask for information about the representative opening up the account. I am authorized to act on behalf of the XXXX so it is my signature every time. We process dozens of beneficiary designations each year. In many cases, I am asked for my personal Social Security number to open the account. As you may imagine, in this era of frequent breaches I am uncomfortable providing my personal Social Security number on a regular basis simply to do my job. It is not required under the law. There are a number of articles on this topic I am linking one : XXXX XXXX XXXX On most occasions, we are able to successfully persuade financial institutions that they do not legally need my individual social security number in order to set up an account for my organization, which only wants to receive the money it was bequeathed. However, after several conversations with XXXX XXXX XXXX, I was essentially given the choice of disclaiming the gift for my employer or providing my individual Social Security number. I am providing that number very reluctantly would like the CFPB to stop financial institutions like Huntington from this unnecessary and intrusive of my privacy. 

The people at Huntington I dealt with were XXXX XXXX and XXXX XXXX and a lawyer named XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$20000.00} XXXXXXXX XXXX XXXX AT XXXX XXXX Balance {$380.00} 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed XXXX XXXX as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently
Product: Debt collection

I have told this company on a recorded line to stop calling my phone day and night. This is against FDCPA and FCCPA. Please see recording of them calling and me calling them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : XXXX, XXXX XXXX XXXXXXXX XXXX : {$0.00}XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021
Product: Credit card or prepaid card

Purchased {$150.00} vanilla prepaid card on XX/XX/2023 from XXXX. Upon opening the card find out that card is faulty as CVV number is not printed on the card and because of that unable to use card anywhere. Called customer service and they created the case ( case number - XXXX ). Emailed all the required documents ( i.e. proof of purchase, card front and back photo ) on XX/XX/2023. They advised to wait for XXXX business days. Even after XXXX business days nothing happened. Called customer service so many times and every time they provide the same response that they have escalated the case and wait for another XXXX hours but no resolution yet. 
Neither i have received replacement card nor any update on the case. 
I have to beg for my own money.
Product: Credit reporting, credit repair services, 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. 

Company name : GROW CREDIT Account number : # 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 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.