23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXT XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$960.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete 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.
Product: Debt collection

I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.
Product: Checking or savings account

I reviewed my Chex system report which resulted in finding out that the unauthorized accounts were opened in my name. All Accounts shown for XXXX XXXX XXXX XXXX are not related to my doings. I have requested to have this removed immediately and still no action has been taken. An also the account that's shown for XXXX XXXX has been paid off since 2018. I advised Chex systems about the outdated information that's reporting and they have yet to remove or resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( Chase ). Although the account is closed I have not received written confirmation from JP Morgan Chase .I would also like the know the charges that incurred with the fraudulent card.
Product: Mortgage

Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are applying for a loan. Our lender was unable to pull the Tri-report because Equifax has both my wife and my current and previous addresses incorrectly annotated. The other two bureaus report our information correctly. 

We were advised by Equifax to provide documents, to which we did - via both fax and overnight delivery. one option NOT available to us is via faster encrypted email. We were told the issue would be resolved in 3-5 business days for the documents to be reflected on our credit file, but we would only be notified IN WRITING and via the post office that may take up to 30 days! With today 's modern technology, how can they not immediately email/text us responses that our information has been updated to prompt us to check our files? 

My wife has called Equifax daily, every business day, since XX/XX/2019. As of XX/XX/2019, we were informed by Equifax personnel that her information has not even been received by the bureau. Our queries as to whether or not the fax/mail was received only prompted scripted responses, which of course were of no value, only that we would receive written and mail responses within 30 days as to when they do correct errors that they created. 

We would like the ability to purchase our home but, when dealing with an organization whose business model is based upon data accuracy - and the absolute protection of that data - we can not move forward with a loan because a company has poor business practices. These insufficient business practices include both data accuracy and customer service related to the correction of data errors ( which, incidentally, were created by the business and not the customer ). 

We can not wait the 30 days for a letter in the mail to confirm that our addresses have been updated, nor should be wait beyond the 3-5 business days claimed by Equifax to only be told they have not received our information.

**point of clarity - I am writing on behalf of the issues pertaining to my wife. I too have errors just recently discovered, but I have only recently given Equifax my updated information. Therefore, I can not in good faith claim faulty services on my behalf ... yet.
Product: Credit card

Citibank closed my credit card without any warning or notice to me. They did not even provide me with closure notice. After I called their customer service, they said I will receive a letter, which had details of date of closure but did not mention the reason for closure. I am being discriminated against.
Product: Credit card

I had wrote to Zip about unauthorized charges from my account to I had enclosed the written AMOUNT and dates of the unauthorized transactions and got no response, again I emailed Zip and they replied with a link to submit the Unauthorized amount and date which I submitted several times and they kept sending me the same link again and again with no remedy and now I'm getting no response. I did not expect this process to take this long it's really frustrating and stressful when I'm barely surviving
Product: Credit card

When acting in good faith I was denied credit by citi.when i was applied for a credit card. I overstand my rights has been violated under 12 cfr 1002 regulation ( B ) Denial of credit. It clearly states any applicant that applies should not be denied when acting in good faith..
Product: Credit card or prepaid card

I filed a dispute with my creditor, Citibank, on XX/XX/XXXX, for two charges relating to pre-paid child care tuition that I was owed a refund for by the merchant. The refund that I was owed was not issued within the time frame specified by the merchant, and despite numerous attempts, I was unable to get ahold of the merchant on my own, which is why I ended up filling the dispute. One of the charges was in the amount of {$2100.00}, and the other in the amount of {$2800.00}, for a total of {$4900.00}. The total amount that was owed to me as a refund by the merchant was {$3100.00}. On XX/XX/XXXX, I was informed by Citibank that in response to my dispute, the merchant stated that I was owed a refund for the full amount of the {$2100.00} transaction, and a refund of {$580.00} for the {$2800.00} transaction, for a total refund amount of {$2600.00}, which, in total, was {$410.00} less than I should have been receiving. As a result of this discrepancy, I submitted additional documentation, as requested by Citibank, proving that the actual amount of the refund that I was owed was in fact {$3100.00} as opposed to the {$2600.00} claimed by the merchant. Upon awaiting for the documentation that I had provided to Citibank to be reviewed, the credit for the {$2100.00} became permanent, but the credit of {$580.00}, in relation to the {$2800.00} charge, that the merchant admitted that I was owed, was never applied. I had then reached out to the disputes division of Citibank many times over the course of the next few months due to the fact that I had yet to hear anything back in regards to the dispute and absolutely no progress was being made. Then, on XX/XX/XXXX, two and half months after my last submission of additional documentation/evidence supporting my position, I receive a letter from Citibank stating that, " We have reviewed the information you provided regarding your dispute. We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. Our investigation remains closed. Unfortunately, we are unable to send it to you via email. We apologize for any inconvenience this may have caused. '' I provided all of the necessary documentation to Citibank within the specified timeframe, it's not my fault that they sat on it for two and half months and did absolutely nothing until they claim that it was too late. In addition, {$580.00} of the remaining {$2800.00} charge had already been acknowledged as owed by the merchant within their initial response to the dispute, but Citibank now claims that they will not be crediting my account with that amount, even though it should have already been credited, per the merchant, months ago.
Product: Money transfer, virtual currency, or money service

COINBASE Amount : {$400.00} Dates : XX/XX/XXXX -XX/XX/XXXX Issue : I sold some of my litecoin on XX/XX/XXXX in the amount of {$400.00} to transfer the funds directly into my bank account, linked directly on my coinbase account with verified ID. In the main dashboard under recent activity, the withdrawal is marked as completed and that the money would be available by XX/XX/XXXX, 7 days later. 

I received an email on XX/XX/XXXX, the day before my money would be available, stating that my bank had cancelled the order. I now have a new item under recent history stating that I had received the same amount of litecoin that I sold with a note saying " Sold XXXX LTC for {$400.00} USD. Payment will be sent to XXXX - Interest Checking ********* by Tuesday XX/XX/XXXX. '' So I called the bank and they told me that they did not stop anything and there was no transaction to be cancelled. I called coinbase support and their solution was to file this support ticket. I filed a very descriptive support ticket and submitted it. 

I received an email from coinbase nearly 2 weeks later telling me, if my issue was in the list of top priorities, to respond and describe the problem that I had already thoroughly described in 2 communications. 

It has been weeks since that communication with nothing back from coinbase, meaning I have lost money on the mistake of a company that guaranteed I would have my money on a specific date. This company has the financial information of thousands of US citizens and they can not be trusted enough to know whether they are scamming their users.
Product: Credit card or prepaid card

Bank : XXXX XXXX XXXX via Synchrony Bank Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$810.00} to be financed interest free for 24 months. 
Bought a XXXX XXXX for the XXXX XXXX on XX/XX/XXXX for {$25.00}. 
I made first payment of {$40.00} ( req minimum payment was {$34.00} ) Paid XX/XX/XXXX Due XX/XX/XXXX. 
XX/XX/XXXX statement shows XX/XX/XXXX purchase of case. States Min payment due was {$35.00} due XX/XX/XXXX. I paid {$40.00} again on XX/XX/XXXX. On XX/XX/XXXX, I was assessed a {$2.00} minimum interest fee. 
- I thought by law they had to allocate the payment to the most recent due debt to minimize interest? 
- There was no disclosure that I had to pay {$34.00} + the purchase amount of {$25.00} in order to avoid interest. ( Or I would have! ) After two attempts at their " chat '' service and about 45 minutes, I was able to get the charge reversed ( all be it they said it would take three days to reflect o my account. )
Product: Debt collection

I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an alleged bankruptcy that Experian continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Experian continues to report the item on my Experian consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan

Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.
Product: Student loan

I paid off my student loan on XX/XX/XXXX in full. There was an {$630.00} overage. I told AES about it. They stated it would be returned by mail ( check ) within 30days. I have no received anything yet and every week I e-mail them asking. All the say is that I am owed {$630.00} and it will come approximately 30days from when I paid my loan in full. It has been almost two months and they are not refunding my money.
Product: Credit reporting

This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Debt collection

I am not liable for this debt of {$5800.00} with LVNV Funding LLC account number XXXX. I do not have a contract with LVNV FYNDING LLC, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, AL XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] [ CEO : XXXX XXXX ] [ ] [ Company Address : XXXX XXXX XXXX, ] [ City : XXXX. XXXX XXXX : MN, ZIP Code : XXXX ] Dear [ CEOs XXXX XXXX ], I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Amount Charged Off : [ XXXX ] I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card

In XXXX XXXX, American Express posted charges on my account of {$1700.00} and XXXX which on our about XXXX XXXX, XXXX communicated would be reversed. These amounts were not reversed and I had a significant credit balance on my account which remains over {$100000.00}. The account is closed and I have been regularly following up on the reversal. Each time the representative has indicated they need to do further research and I needed to be patient. I have spent more than 20 hours in the last 60 days on hold while waiting for resolution and working with multiple supervisors to pull the recordings in order to reverse the charges. I received a good faith credit of {$500.00} so the remaining credit outstanding is {$2100.00}. American Express has held my personal funds more than 8 months and the credit balance is greater than {$100000.00}. They will not resolve the reversal of the fees and continues to hold my credit balance. They indicated on multiple occasions they need to investigate but they never follow through. They indicate they will call me back but they do not. I have several supervisors names and extensions who are researching. They are extremely apologetic on the phone and express the empathy for my status but do not resolve. My credit score is greater than XXXX and I pay my bills monthly in entirely. I do not have any interest charges on any credit for more than 20 years so this Amex Charge is completely unfounded. 
After spending 4 months contacting Amex regularly, I have no confidence this will go for many more months. There is no incentive for them to resolve my account. I have cancelled all cards with American Express because of this experience. 
How do I get to the right team member in AMEX to complete the reversal of the inaccurate charges on my account?
Product: Checking or savings account

I got involved in to a scam i use my chase account transferring money using XXXX to a person whos was supposted give me a job I transferred XXXX dollars but I realized that it was a scam I call chase rigth away to cancelled the transaction I call the fraud department and they told they can do nothing and the transaction was still pending I lost my money chase didnt help me I call the police and  make the report and even The Police say how can chase could do anything about it, this happend on XX/XX/2019 please if someone can help me its a lot of money I been banking with chase for more than 8 year my imail is XXXX. I got in to XXXX XXXX drink scam is sad that people can still money. I got a check for XXXX dollars and I got told to deposit and take XXXX dollars for my first week and I was supposed to transfer XXXX back for my car to be detail sad they lie I lost money and I told all this to chase and no help from them