23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Step 1 : What is this complaint about? accounts were opened fraudulently in my name on or about XX/XX/2020 using an email account XXXX with XXXX XXXX  and ASPIRE card Step 2 : What type of problem are you having? i can not close the accounts and the people refuse to acknowledge these accounts are pure fraud and then then demand payments and demand my filling affidavits that do not arrive in the mail on time ... why should the affidavit forms arrive on time by mail?? the US Postal Service in is in disarray Step 3 : What happened? see abover Step 4 : What company is this complaint about? XXXX  XXXX  and ASAPIRE CARD and in a way the XXXX XXXX people ( an encripted email provider based in XXXX and apparently a favorite for identity thieves Step 5 : Who are the people involved? folks in both companies discover card aspire cards and protonmail.com also people who were staying at my house for a few month s are likely involved as well as a XXXX XXXX who recommended the folks be invite in can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am treasurer of the XXXX XXXX XXXX XXXX XXXX. I discovered several fraudulent charges on our bank account and contacted our bank on XX/XX/year>. I talked to a banking representative as soon as I knew the charges went through. I filed a dispute report with the bank on XX/XX/year>. The bank has refunded several fraudulent charges made to an insurance company but refuses to refund others which were described as mobile payments to XXXX XXXX and charged by an unknown individual on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. They did refund one processing fee made by the unknown person to XXXX XXXX made on XX/XX/year>. The bank is saying that these had to be identified within 24 hours, which sounds very ridiculous. The issue is further complicated by the fact that we had a management company handling our affairs whose founder and manager XXXX  sometime during the week of XX/XX/year>. I was not told of his demise until XX/XX/year>. The business has subsequently closed. I have talked with several banks in my area and they are puzzled and incredulous of this policy. I need some assistance to understand why they have this policy for a 24-hour notification of fraudulent charges which should never have been allowed by the bank.
Product: Credit reporting

I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything
Product: Debt collection

I am receiving letters that states the creditor will reduce amount if paid by a certain date. They have reported the debt to the credit bureaus as delinquent. The debtor says that it was opened in 2020. I have disputed this through XXXX XXXX first then directly to the credit bureaus. XXXX XXXX and XXXX have gotten information back that it is an accurate account. I did not open this account or any account in 2020. I have no knowledge of who the creditor is. I have been given the information that if I communicate directly with the creditor, it will be like I acknowledge information of the debt. I don't want to add fuel to the fire, so I will not communicate directly with them. This has a negative impact on my credit score and I need help removing this creditor.
Product: Checking or savings account

My Marcus saving account was locked on XX/XX/2023 when I tried to transfer money from Marcus to my XXXX account under my name. I have been using the Marcus saving for XXXX months and have made several transfers to Marcus saving. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they should have verified my identity. 

I tried to contact Marcus multiple times during the past one month but until today, I still didn't receive the identify verification letter which is the first step to unlock my account. 

I made my first phone call to Marcus on XX/XX/2023. They refused to tell me why my account is locked. 

On XX/XX/2023, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/2023, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 

On XX/XX/2023, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

Today is XX/XX/2023, I still didn't receive the letter to prove my identity. Marcus said they still need 3 more business days to send me the identity verification letter. 

This is just the very first step to unlock my account, which already takes XXXX month. I want to unlock my account ASAP, get my money back, and close the Marcus account permanently because of the experiences above. I've attached all my contact records with Marcus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, XXXX, and Equifax of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
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. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 of convictions of crimes which antedatesthe report by more then 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is report an account, this information is inaccurate and it needs to be updated and remove. In accordance with the FAIR CREDIT REPORTING ACT THIS XXXX XXXX ACCOUNT REPORTING IS A VIOLATION TO MY RIGHTS. 15 USC 1681 section 602 A states I have the right to privacy. In addition, 15 USC section 604 A section2 : Congress states that the Consumer reporting agency can not furnish an account without my written instructions. This needs to be deleted immediately. When it comes to compliance procedures the CRA 's must prepare a report with MAXIMUM accuracy to me the consumer. Transunion is in violation of my consumer rights. 

SEE ATTACHED.
Product: Student loan

I have had a Student Loan for approximately 11 years. From a fraudulent school. They changed their name. I have initially called the Department of Education with my concerns upon the initial time of the incident. Because in regards to that school, I was unable to use, or transfer those credits to any city college, or university. The Department of Education representative at the time stated that it is not the responsibility of the department of education who needs to repay a loan. I said, so then I can open up a bogus school and have a bunch of kids go there. Have you guys finance it, and its illegitimate. That doesnt matter? She said yes as long as you can get kids to go there thats on you. I said, wow, ok. Later on I found out about XXXXXXXX XXXX. Im not sure how long it has been established. As I was looking for that information earlier on in the loan. I was getting the runaround through various departments within the Dept Of Ed. After stumbling across the XXXXXXXX XXXX application. I submitted a claim and was denied. I resubmitted a claim including an email directly from my new schools registrar, well now graduated from. It has been two years and it is still in processing. I spoke with XXXXXXXX XXXX. They said it is still in processing. As far as who is processing it I do not know. There is no expected time of completion. Which is of great inconvenience for me financially. I want to own a house, I want to live my life. Approximately {$21000.00} for something I couldnt use is a hindrance to me and my future. I dont know where to go from here. Which is why Im contacting you. I have asked them to speak to a higher up. They said that the supervisors will tell me the same thing. They said I could hire a private lawyer.. Which, for some thing I was never able to use. That makes no sense why would I pay for something that Im trying not to pay for because I am not responsible for this loan. If it was something I couldve utilized.. Instead of completely going to school over again to attain my degree. Then I could understand being responsible for repayment of the loan. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$4100.00} XXXX {$5500.00} OPEN DATE XXXX XXXX Unauthorized Accounts, Inaccurate.
Product: Debt collection

There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.
Product: Credit reporting or other personal consumer reports

I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.
Product: Debt collection

Jefferson capital systems has contacted me on numerous occasions about a XXXX XXXX line of credit that I've never had. In the amount of {$300.00}. I've called XXXX numerous times to make sure that I don't have a balance and I don't. I explained to Jefferson capital systems that this isn't my account.
Product: Mortgage

Flagstar holds a mortgage on our home. The property suffered damage as a result of a landslide, which our insurance carrier accepted our claim on. Our carrier made the payments to Flagstar, which were held in a restricted escrow account.

We are 99 % complete with the work yet Flagstar refuses to release the remaining monies, approximately {$23000.00}.

I have attached our latest correspondence that outlines the issue and explains why Flagstar should release the remaining escrow funds. 

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

Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
Equifax obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have provided Experian Credit Reporting Agency with doucumets to support my claim. I have Submitted documents that included a copy of my Government issued Drivers License, Police Report, FTC Report and letter requesting for Fraudulent accounts to be suppressed from my credit profile. Spoke with an Experian Agent on XX/XX/20 and was informed that all documents has been received. My request was to Block all reported Fraud accounts within 5 business days as required by the Fair Credit Reporting Act ( FCRA ). As of today the following Fraudulent Accounts are still reporting in my credit profile. 

Fraud Accounts 1. XXXXXXXX XXXXXXXX 2.XXXX XXXX 3.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts, please remove these accounts that are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It's another example of credit reporting agencies following the leader. XXXX lowered my credit score first, then XXXX, and today Experian followed suit. Nothing in my credit history has changed. I haven't missed any payments. I've had the same two credit cards for years. I've banked at XXXX XXXX XXXXXXXX for thirty-seven years. I'm not anymore of a credit risk today than I was a month ago, and yet all three reporting agencies have lowered my score. My credit score should not be based in any way on a reporting agency 's plausible deniability. I'm not being treated fairly.
Product: Money transfer, virtual currency, or money service

My university email server was hacked and emailed me a job opportunity saying apply now. I thought I was hired as an administrative assistant and was told my task was to purchase toys for an orphanange and mail them. I was sent XXXX checks to pay for this and was told to send XXXX to the orphanange. I quickly learned that this was a scam and cancelled the checks. Instead of being given a list for toys and such I was only told to handle money. I alerted BANK OF AMERICA of this and quickly placed a stop on these checks. BOA told me they would dispute and investigate the XXXX transactions and attempt to recover my funds and that it would take up to 45 days. XXXX days later I called to update BOA with a police case number for the investigation and was told the claim was denied and I would not be reimbursed. They also told me XXXX transactions are never investigated. I asked why I was told it would be investigated to begin with and all they could say was sorry and that they would not reimburse the funds regardless of fraud or scam. I explained that I was told their would be an investigation and that I was lied to and passified. They did not care, nor was there person higher in the chain of command to speak to. This is so demoralizing and frustrating. If there was never going to be an investigation why was I told there would be? Very distasteful and I have lost my trust with BOA and their standards of practice. In fact, BOA has still not sent an email stating anything or updating me about my claim even though in their system it has been denied XXXX ago. This is the same thing as fraud. Lying is fraud and scamming. I should have been informed the day I called to file this fraud claim that XXXX transactions are never investigated. This has caused me to relive a horror that could have been avoided. Lying to me and saying there would be an investigation when there never was is cruel. I have lost complete trust in this bank and will be taking my funds and banking elsewhere.
Product: Checking or savings account

This bank repeatedly and regularly declines transactions that I have funds in the account to cover, removes said funds from my account anyway as a pending charge that you cant dispute until it posts, which it never does because they declined it immediately, and then wont put the funds back in the account for an irregular and sometimes indefinite amount of time. Every time i call about it Im told tomorrow and then tomorrow comes but the money doesnt. This has happened 3x ( usually 2 or 3 pending charges each for a purchase that I was only trying to make once ) in the last 3 months with 3 different vendors and usaa keeps trying to tell me the problem is with everyones system but theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Upgrade is reporting a written off amt of XXXX on credit reports. XXXX isnt reported on credit reports. Please issue 1099 c accordingly to irs regulations 6050p amts over XXXX dollars written off must issue 1099 c so I can pay taxes.
Product: Checking or savings account

On XX/XX/year>. My sister sent me {$1500.00} from her account to my XXXX account that was connected to any Navy Federal account. 
Also the same days she was going to send me {$3500.00} to my personal account. I gave her the information to send but I realize that the account was not good I told her do not worry about it. For some reason, there was a lack of miscommunication. Because she thought she never submitted it until she went thru her account. At the time, I did not communicate to her about it because I never received the money so she didnt know it went thru. Well after talking to Navy. She deposited the money in my saving account. and they stated because I owed them for a car, they were legally right in going into my saving account taking to the money. I did not authorize that transaction,
Product: Payday loan, title loan, personal loan, or advance loan

15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a clear violation from this company and the continue calls.
Product: Mortgage

I reached out to XXXX XXXX XXXX XXXX  and did all the paperwork that was requested from them. XXXX down to the last stage of my application and thats needing my lender to verify my XXXX and upload the information to XXXX XXXX  so they could possibly pay off my home if my balance was under {$50000.00}. They have reached out to my Lender which is XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have made several attempts to get the information but my Lender is not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.