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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/1978 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX, and 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 XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. My name is XXXX XXXX, and I am writing to request your assistance with a matter concerning Bank of America. 

Recently, I used my Bank of America account to pay for a service that I never received. After realizing the issue, I promptly contacted Bank of America to file a dispute regarding the transaction. During my call, a representative confirmed that my claim was officially opened and provided me with a fax number to send in my supporting documentation, which I did without delay. 

However, it has been several days since I submitted the necessary paperwork, and I have yet to receive any updates from Bank of America regarding the status of my dispute. I have attempted to follow up with customer service, but I am increasingly concerned that my matter is not being taken seriously or handled with the urgency it deserves. 

Given these circumstances, I kindly request the assistance of the Consumer Financial Protection Bureau in this matter. I believe that your involvement could help ensure that Bank of America addresses my dispute appropriately and in a timely manner. 

Thank you for your attention to this issue. I look forward to your prompt response and any assistance you can provide. 

Sincerely, XXXX XXXX
Product: Debt collection

I have XXXX collection accounts listed on my credit report : XXXX from XXXX XXXX XXXX and the other from LVNV Funding LLC. Both accounts are associated with credit card accounts from XXXX XXXX, which I have never opened. These accounts are the result of identity theft. I have reported this issue to the XXXX XXXX Police Department, and my police report number is XXXX. Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ), and my reference number is XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX : account XXXX
Product: Checking or savings account

XXXX and PNC Banks I set up a XXXX account to receive money from an individual buying my piano that was listed on XXXX XXXX. The buyer was " out of town '' and a family member would be picking up the piano. The purchase price was {$1500.00}. This occurred XX/XX/XXXX. I created a XXXX account to complete the financial transaction. The " purchaser '' said they needed to make a {$400.00} payment on top of the {$1500.00} because they received an email from XXXX. I followed the instructions. They tried to get another {$600.00} from me and that is when the alarm went off in my head. I contacted XXXX and PNC bank. I filed a dispute for fraudulent representation. I received a notice XX/XX/XXXX from PNC saying my dispute was resolved as a vaid transfer and my claim was denied. So, I lost {$400.00} to a scammer. I have their email address. Since I sent the money through XXXX, there should be a way to track down the person who lied and scammed me.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL ACCOUNTS AND INQUIRES REPORTING ON MY ACCOUNT THAT IS FRAUDULENT. PLEASE REMOVE INFORMATION FROM MY REPORT. IVE CALL CREDITORS MULTIPLE TIMES AND NO RESPONSES WAS MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681i B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of reinsertion of deleted item. This is a clear violation of fraudulent item. 
Account : XXXX XXXX # XXXX
Product: Debt collection

Paypal/Sync bank have suddenly ( XXXX ) claimed I opened a Paypal account back in XXXX and there were a couple of charges in XXXX. I never opened Paypal. I do not like them and refuse to use them in general. However, when they send me bills and emails, I call the fraud dept and they still state that this is my account with no proof. I am XXXX and they are creating great anxiety for me. 
This has been going on for a year now. Here is their number if needed : Synchrony XXXX Paypal:XXXX Please help.
Product: Credit card or prepaid card

I purchased items using my XXXX account. This XXXX  account is linked to my Bank of America credit card. Later I found out that I got charged the foreign service fee from Bank of America. It turned out they charged this fee because it was a foreign transaction. I was not notified by anyone that I was a foreign transaction. I asked XXXX, vendor, and bank of america to reverse the charge, so that I can use a different card without any foreign transaction fee, but no one was able to help me. I contacted Bank of America more than 3 times regarding this, and visited a local branch once. 

Similar thing happened to me before with XXXX, and XXXX was able to give me a credit back to my account.
Product: Checking or savings account

I removed my pension from XXXX due to identity theft. I deposited the funds into a newly open account with 5/3rd. It was put mainly in a savings account. My husband has XXXX  and XXXX XXXXXXXX XXXX. I agreed to use my savings to remodel the basement for him. 5/3rd has put a hold on all my accounts and will not allow me access to the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.
Product: Debt collection

I dont owe XXXX XXXX or XXXX this much money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently completed an background check for new employment, The background came back, and I saw both a Name and address that I isnt mine ; and an address date that is incorrect. I did the background check on XX/XX/2018. 
Can someone please help me with this situation.XXXX XXXX is the company that I did the background check for in order to gain employment.
Product: Checking or savings account

I received a deposit XX/XX/2022 for my work at a temporary job I got accessing by my uncles XXXX  account. My bank Albert rejected funds on the deposit withdrawal date of the XXXX because the deposit was wrongfully placed in my uncles name. I requested for my bank to send it back to the issuer which is my third party employer which they refused. Even after letting XXXX know about the situation they are unable to access 1099 paystubs for temp workers such as me due to their third party payroll system. I have sent ALBERT information they requested to accept the deposit provided by my employer. My bank Albert has held the deposit still and although notifying them of all my resources available from my employer. The deposit confirmation previous deposits with my name and hours worked. XXXX management conversation an a selfie of my uncle with his ID. I am thoroughly disgusted with the practices and service recieved from ALBERT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Bank allowed a family member to sign and obtain a loan with me as a cosigner. I did not approve nor have knowledge of this account nor would I have been able to qaulify for this loan. USAA allows consumers to get a loan over a cell phone and digitally sign without any other info being obtained. I have tried to fight this on my own with USAA but have been unsuccesful and after trying to find contact info as well I see that this is a regular occurance for USAA. They stick their customers with most FRAUD and tell them it is them and make them liable for fraudulent charges. THIS MUST STOP! 
You can not even get contact info a last name or a way to follow up with anyone, ever, at USAA this is the biggest scam ever!! My local banks would never treat me like this and USAA does it under the name of our service man. WHAT A JOKE!! 

USAA FED SVG BK - XXXX XXXX XX/XX/2018 from XXXX Other/misc. Banks XXXX XXXX XXXX XXXX, TX XXXX
Product: Prepaid card

I received an AMEX gift card as a gift. I have successfully used them until sometime in late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX  stores, at restaurants and grocery stores, or XXXXXXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can this card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance or offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

I have been unable to use this card for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.
Product: Debt collection

ELITE Collection Services has been reporting negative information to my XXXX and XXXX credit reports for over 5 years. I have disputed this agency multiple times over the past few years. They allege that I owe a company by the name of XXXX XXXX XXXX XXXX money from a rental, when that is not true. 

Elite Collection Services continues to fabricate falsified documents claiming they are mine, when they aren't. I have never done business with XXXX XXXX XXXX XXXX, nor have I ever heard of them. 

XXXX and XXXX continue to report this falsified information despite sending multiple letters to both credit bureaus disputing the debt. XXXX removed the false negative reporting, but the other bureaus have yet to do so.
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I received a letter from lender,   XXXX   XXXX   that the ownership of my loan was being transferred to   XXXX   XXXX  , but that they would continue to service my loan.   On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX  that the service of my loan was being transferred from  Fifth Third Ba nk effective  XXXX ,  XXXX ,  XXXX . This letter did give me an address to send in payments, but no  Fifth Third Loan  number.   It is now  XXXX   XXXX ,  XXXX  and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the  XXXX  payment and it did not recognize the loan number I was given.   Today I will get in my car  and drive   XXXX  miles each way to try and make the loan payment in person all because  Fifth Third  did not do their job of servicing my loan in a timely fashion.   Clearly, I and other members of the  American p ublic have other ways to spend my time then to deal with failure of  Fifth Third  Bank to do what    XXXX   XXXX     pays them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a payday loan through Advance America. In XX/XX/XXXX, a collection agency contacted me for payment, which I payed. Through the past eight years, my area has suffered through numerous floods and hurricanes. All of my paperwork has been destroyed. Also through the years, many collection agencies have contacted me for payment. I have recently found out through the manager of my local Advance America, that their system was breached by hackers. My personal information was used and is continuing to be used and various people have contacted me pretending to represent Advance America. XXXX  was found liable for their computer breaches. so should ADVANCE AMERICA.
Product: Debt collection

XXXX XXXX HAVE BEEN CALLING MY BUSINESS PHONE REGARDING A FALSE IMPORTANT MATTER. I HAVE NO CONTRACT WITH THIS COMPANY AND THEY NEED TO STOP CALLING MY BUSINESS PHONE. THEY HAVE CALLED NUMEROUS OF TIMES FROM DIFFERENT NUMBERS. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL REGARDING ANY IMPORTANT MATTER FROM THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, XXXX, and TransUnion on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.
Product: Money transfer, virtual currency, or money service

I purchased a cashier 's check from JPMorgan Chase Bank on XX/XX/XXXX. The check states, right on front of it, that it is valid for 7 years. This would mean the check is valid until XX/XX/XXXX. The cashier 's check is made payable from myself to myself. This cashier 's check total {$40000.00}. I also have a checking account with chase bank. This is the account that I received the funds for the cashier 's check in XXXX, XXXX. Chase bank is refusing to release the funds to me for the check stating they sent the funds to the state of Wisconsin this year to unclaimed property division. They refuse to give me proof that they sent the funds to the state of Wisconsin. The state of Wisconsin unclaimed property division is telling us that they haven't received any funds from Chase bank. They told me the cashier 's check is still valid and would not be sent to them. I do have the cashier 's check on me and need this issue resolved immediately. This is causing a hardship at this time. 
Please assist me in resolving this matter. Check # XXXX. The escalation team or office of the president has been investigating this for XXXX weeks and they keep telling me they don't have any answers. They gave me case # XXXX. This is horrible this bank is holding my money and not accounting for it. I have emergency home repairs that are held up due to this situation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a collection filed on me for a loss of the car it says that it was charged off years ago but it showed back up as collection.
Product: Credit card or prepaid card

I received a fraud alert on my credit card. I noticed the card was used and I didnt make the purchase and did not authorize the purchase. Capital One said they would freeze the card and do an investigation. A week later they concluded there was insufficient evidence of fraud and that I or am authorized party may have benefited from the transaction. I do not have an authorized person on the card and I was home at the time of the transaction, I had the card in my wallet 20 miles away.
Product: Vehicle loan or lease

Hello - I have Auto debit on my honda finance account. There was a problem with some bank transfers in the middle of our shutdown in NY, and I transferred by account to my savings account to auto debit from there. Their website is very wonky, but Ive done it before and had no issues. I did not print out my confirmation because of past experience. 

I then got a late payment call in XXXX ( no email, no letters ) and I was told that payments were not received. I had no idea. The *moment* I got the call I paid off my balance immediately. 

I told this to American Honda finance and they responded with a cold distant form letter. I've had four vehicles with them with NEVER a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Insists On Keeping My, Credit Card Account 's, That I Paid OFF On My Credit Report, With Their Own Unpaid Amounts. They Enjoy Keeping People 's Credit Score 's Down. Everyone Of The Credit Card Account 's, That I Have Listed, Is Paid OFF : # 1XXXXXXXX XXXX- {$2000.00}, # 2. XXXX XXXX XXXX # 3XXXX XXXX XXXX, # 4. XXXX XXXX {$820.00}, # 5. XXXX XXXX {$15.00}. I Contacted All 3 Credit Bureaus. I Filled A Complaint With Each Bureau And They Refused To Resolve The Problem. What Kind Of " GENIUSES '' Work At These Companies? By The Way, I Filled Complaints With XXXX And Transunion, Because They Show The Exact Credit Cards, That I Paid Off, With Balances. Can You Please Help Me With This Mess? Thank-You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurated and false collections on my consumer report from XXXX XXXX XXXX the original creditor is XXXX XXXX ( acct # XXXX ). I do not nor have I ever had a contract with this collection agency or the original creditor. I requested a copy of the original contract from both parties and neither was able to do so. I also did my research on XXXX XXXX XXXX which is not only not authorized to collect a debt in the state of Tennessee but in any state. Proof is attached with this complaint.