23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My XXXX XXXX account got hacked someone hacked the Zelle transfer
Product: Debt collection

I was seen for a routine XXXX XXXX at a provider I had not used previously, XXXX XXXX XXXX XXXX. I supplied all pertinent insurance information to the company to be submitted by them with their claim. Months down the road I received a collections notice regarding this visit- apparently the office staff never submitted the paperwork for my procedure. I promptly contacted the XXXX XXXX office directly to inquire, and in no unsure terms was told that it was my fault and they were pursuing collection. It has been well over a year since my visit, and it is still unaddressed and in collections making a derogatory mark.
Product: Credit reporting or other personal consumer reports

I appreciate the time you've dedicated to REMOVING some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining ITEMS that require removal, as outlined in my FTC Report # XXXX. This marks my third communication as a victim of identity theft, wherein I dispute the items in my file associated with this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Kindly proceed to remove the record of these items from my credit file, attributable to an alleged identity theft. Additionally, I have included my newly filed FTC report # XXXX for your reference : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i called XXXX  to unfreeze mycredit agent send id, s.s, writtenon XXXX i when to postaloffice and paid XXXX XXXX XXXX  over night so that the documents be there ton XXXX i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXX agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call XXXX  back try it again XXXX the regal office talk to XXXX told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX XXXX  XXXX XXXX back on your credit report XXXX call XXXX  ok thank you
Product: Mortgage

In XXXX I was contacted by a home improvement company, via door to door canvassing in XXXX, MA, a town in the XXXX of XXXX, regarding installing gutters on my primary residence. The home improvement company ( the name I no longer remember ) representative put me in contact with Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX or XXXX or complete a XXXX mortgage application for submission to the lender. The loan package was submitted to XXXX XXXX XXXX Fixed Rate/HELOC, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX, in the amount of $ XXXX. The XXXX loan and credit card ( the latter was required for the line of credit ) were approved on XX/XX/XXXX. I was XXXX XXXX XXXX. 

On XX/XX/XXXX a draw down was taken for $ XXXX, which I never received to be best of my knowledge. No gutter work was performed between XXXX XXXX. I called the home improvement company several times inquiring when the work would begin and the expected completion date. During those months I was constantly told that it was scheduled for the fall XXXX. In the late fall XXXX a representative came to my home, told me it was too late to start however my job was scheduled for early spring of XXXX. That type of round the mulberry XXXX continued for a couple of years. Meanwhile the entire HELOC of $ XXXX was completely drawn down by XX/XX/XXXX. 

I began making monthly payments of {$730.00} plus in XX/XX/XXXX and each subsequent month and continue to this day, 20 years later. No gutters were ever installed. Chase Bank has never inquired about the home XXXX for which the HELOC was approved and designated. 

I am XXXX XXXX XXXX and owe Chase Bank $ XXXX dollars for funds I never received, nor home XXXX ( gutters ) that were never initiated or completed.
Product: Debt collection

XX/XX/2019 I told Global Payments Check Services, INC in XXXX, IL I would pay NSF return checks within the day time period from XX/XX/XXXX to XX/XX/2019. and to Stop calling me 8 times a day. Repeat back to back calls and leaving " Threaten Hang-Up Calls '' and harassment. Their number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.
Product: Credit reporting or other personal consumer reports

I settled a credit card account with the Police and XXXX XXXX XXXX XXXX in XX/XX/2022. They are still reporting this debt as an active collection. I have filed numerous complaints about this through this portal and the credit bureaus are not making the appropriate changes to my report.
Product: Credit reporting or other personal consumer reports

My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a USAA Federal Savings account with a balance of {$23000.00} that appears on my XXXX credit report. I contacted XXXX, XXXX, and XXXX to address this issue. Only XXXX responded to my dispute, stating that they do not see this account on my profile. However, the account and its balance are clearly visible on my XXXX credit report, which contradicts their response. 

To resolve this matter, I worked with a debt consolidation company to pay off the account in full. This account has been closed, and the balance should reflect {$0.00}. I also contacted USAA directly, and they confirmed that they do not see this account or balance associated with my name or account. Furthermore, both XXXX and XXXX accurately reflect the {$0.00} balance for this account on their reports. 

Despite my efforts to address this issue, XXXX continues to report the account with an inaccurate balance. Additionally, as this account has been resolved, paid in full, and closed, it needs to be removed from my credit report entirely.

I am requesting that this issue be escalated for immediate investigation and resolution. XXXX must correct the balance to {$0.00} and remove the closed account from my report, as it has been fully paid off and resolved through the debt consolidation process. 

Thank you for your assistance in promptly addressing this matter.
Product: Checking or savings account

On XX/XX/XXXX i went to a gas station " XXXX XXXX XXXX XXXX XXXX '' to get gas. When i handed my Citibank debit card to to the gas station attendant he walked to another pump station only to return and say that their internet was down and thus they couldn't charge the card. I then had a brief conversation with the attendant and then paid the balance in cash.

At no point did i sign anything or punch in my debit card PIN.

I received a charge of {$43.00} on my Citibank account.

I then made the dispute with Citibank over the phone and in written form numerous times. But Citibank always claims they never received my dispute form even though i have mailed it numerous times and faxed it to the billing dispute unit at ( XXXX XXXX XXXX ) in XX/XX/XXXX, in XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX. I always added my case # : XXXX. I constantly have to re-open the case since i receive an automated letter claiming Citibank requested necessary information and did not receive a response.

This is a simple case where Citibank should recognize that there this is a fraudulent charge. But Citibank does nothing to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$5200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im writing regarding an account that is reporting to credit bureaus experian and XXXX XXXX XXXX Account Number XXXX.I tried multiple times to resolve the issue with credit bureaus and every time no luck.Account is fraudulent does not belong to me somehow after every dispute creditor responds with information is accurate and does not remove it from my credit reportXXXX XXXX is seriously affecting my rights under Fair Credit Reporting Act it shows that supposably i made payments to this account couple of times then i stopped.I assure i never made a single payment for this account and i want credit bureaus to verify who made the payment how this account is even linked to me and why i want XXXX XXXX to send me every document they gathered during this investigation and how did they come to the conclusion that account is mine? I am an responsible person and i pay all my dues at the time i never missed a single payment on the credit cards that belong to me.IF FTC DOCUMENT DOES NOT OPEN FTC REPORT NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be in accurate or incomplete or can not be verified the reporting agency shall -- promptly delete the items of information from the file of the consumer, or modify those item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information will be deleted from the file of the consumer. Please remove the following items from credit report, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not sure, it seems as though someone is using my personal information maliciously and without my knowledge. Perhaps a form of cyber harassment.
Product: Debt collection

i have made several attempts, during my medical leave, they declined to work with me, so i can make the affordable payment with the original creditor XXXX XXXX,, credit card balance was {$500.00}, they sold the debt to LVNV Funding, now all these other fees are included in ending balance. 

I offered a settlement offer to XXXX XXXX, whom said they don't do that, LVNV add 's in their fees outside the balance that is owed to the creditor. It will not be what you actually owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 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
Product: Credit card

On XX/XX/XXXX I received an email about a regions credit card offer. I applied and got approved the same day. The offer was {$250.00} bonus offer cash in for rewards with the regions visa signature card. Earn a {$250.00} cash rewards bonus when you spend {$1000.00} in the first 90 days. The terms at the bottom of the email state the award will be given after the 90 day period. Today is XX/XX/XXXX as of this message. I have contacted Regions via their customer service chat and they gave me vague answers on the amount of time ( 60 versus 90 days ) and its very confusing. They then acted like robots when it could show they were typing.
Product: Debt collection

XXXX contacted me from a restricted number. Gave a case number and a phone number to call back. She cited she was with the XXXX County Clerks Office in Utah. Upon calling the number back I spoke with XXXX XXXX on multiple occasions. He cited all my personal information to me and told me I owed {$540.00} and wanted me to pay it over the phone or he was going to take me to court. I said I wasn't comfortable with that but I'd mail a certified check after receiving proof the debt was legitimate. He got very angry with me and told me he was refusing my payment and he wouldn't take payment via certified check and he was taking me to court and hung up on me. XXXX cited he work/owned Ross Morgan amd Associates and was an attorney. I have researched the company and there was a business entity listed in California that just registered on XX/XX/2021. There are multiple complaints concerning XXXX calling using scam tactics to collect supposed debts. In any case he is either trying to scam me or by the Extinguishment Of Obligation Law XXXX XXXX XXXX XXXXXXXX  he refused my payment with no just cause. I'd like this investigated. His business is registered in California under Ross Morgan and Associates address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. Phone number I was told to call and eventually got a hold of XXXX XXXX. Registered agent listed is XXXX XXXX owner listed as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
Product: Checking or savings account

XXXX mailed me a business debit card. The card has my name and address, but also the name of an unfamiliar, local business. I called XXXX and asked that the account be closed. They agreed, but are unable to provide confirmation of the account closure. I also asked " who opened the account? '' but they couldn't provide that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began my dispute process with TransUnion on XX/XX/2021, after noticing several incorrect items on my consumer report. I sent a letter to TransUnion, and received a response dated XX/XX/2021, where some items were updated, and others were not. In accordance with my consumer rights under the Fair Credit Reporting Act, I sent a response to TransUnion dated XX/XX/2021 requesting the information the agency used to verify the items in question as accurate. I have a USPS certified return receipt, which shows a representative of the agency received my letter on XX/XX/2021. It has been over a month and I have yet to receive any response from TransUnion regarding the results of their investigation. TransUnion 's negligence to this matter has caused serious harm, as I have been denied new accounts because of items that TransUnion should have handled much sooner.
Product: Debt collection

On XX/XX/XXXX at XXXX ( AZ Time ) I received a call from " XXXX '' at The CBE Group , Inc. She told me that I owed them {$1800.00} and it has been placed in collections. XXXX informed me that this debt was delinquent XX/XX/XXXX and that they received the account in XXXX XXXX said this was a debt that was owed to XXXX for medical expenses. I explained that I have had XXXX a number of years and never once was contacted about this debt. I asked when the debt incurred and she was unable to give me information. I asked them to provide proof of debt and they said they did not have any in their possession. I informed XXXX that I have a XXXX XXXX XXXX and this debt did not show up on my records, ever and it would have shown if it was valid. XXXX said that my wages would be garnished if I did not make arrangements for this debt to be paid. They are not the holders of the debt and are a 3rd party attempting to collect on behalf of someone else ( they did not know who the debt originated from ). No correspondence was ever sent to me in regards to owing money to anyone and all my XXXX accounts show that there is a {$0.00} balance. XXXX then stated that when it comes time for my re-investigation for my XXXX that it would cause issues and I might not clear the background. This is harassing behavior and I have asked they not contact me further. They are not attempting to collect an actual debt and hold no proof of money owed and denied being able to provide me with more information than the amount owed and the address they have on file for me. They have no bearing on collection of this supposive debt and are attempting to collect money that is not owed. I then spoke with Supervisor XXXX, and he said that since I am a XXXX XXXX it would cause issues for me, but once again could not provide me with any information about the money owed, when it occurred, the company its associated with, or more than the amount owed. The CBE Group, Inc.has had numerous lawsuits filed against them for this type of behavior and you would think they would learn it's unacceptable to instill fear into someone based on their employment.