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

This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- Equifax XXXX XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : ''Last Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XX/XX/XXXX LOC with XXXX I had a ( disputed ) bill of {$110.00}. 

This amount was due XX/XX/XXXX. 

I paid this amount in full on XX/XX/2019 XXXX reported me late for XX/XX/2019 and XX/XX/2019 on Experian and perhaps other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

See attached. -Right to arbitration-Your violation due to willful noncompliance and taking over 90 days to FULLY fix an issue on my report one including XXXX
Product: Bank account or service

I deposited a personal check into my checking account on XXXX XX/XX/2016. The check cleared the bank it was drawn on the next day, XXXX XX/XX/2016. XXXX I called my bank branch and inquired as to why the funds have not been released to my account and was told there was a hold on it and it would not be available until XXXX XX/XX/2016. When I questioned why I was told that I had an overdraft in XXXX and that is why. I have since got my statement from another business and they are scheduled to withdraw funds from my account. This will cause me an overdraft. The funds should be there as soon as that check cleared. Why should I have to pay a overdraft fee? They want to hold funds siting an overdraft from the month prior and cause me to have another possible overdraft??? Where does that make sense? The money is mine and should be in my account. The bank is Key Bank and the location is XXXX, PA
Product: Credit card or prepaid card

My payment for my Amazon Store Card is due today, X/XX/2017. I previously had scheduled a payment to come out today, but logged into my Account this morning to update the payment amount. For some reason, Synchrony Bank has locked me out of this payment and I can not edit it. If the system says I have until XXXX to schedule a payment and for it to count for the same time, why did they process my payment before that time and not allowing me to edit it? This is against my cardholder agreement as I should be able to edit payments up until that time. Customer Service Reps are of no help and I was left on hold for over 20 minutes waiting for a Supervisor. Poor Customer Service all around!
Product: Debt collection

Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.
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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act 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 ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX about a credit account that was removed from credit report. 
I have contacted the business that is placing the account on credit report every month. 
Navy Federal credit union has reported the account since XX/XX/XXXX and it was removed for some reason in XX/XX/XXXX by mistake.The creditor has recently reported the account 2 times since i reported the mistaken removal.I have contacted XXXX about the problem for them to tell me to keep disputing it with Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Today, XX/XX/2021, without any warning and without any valid reason, Synchrony Bank closed ALL of my credit card accounts with their institution. I have never missed a payments with any of my accounts and I have never had a late payment with any of my accounts. My credit utilization on all of the credit card accounts is relatively low and my current credit score is XXXX. Synchrony will not answer any of my phone calls and the chat reps only give a generic response. This is predatory lending and bad business practice. This purge of all of my accounts will negatively and severely impact my credit profile as well as my credit scores. I have also filed a complaint with the XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have been having trouble with money coming up missing and getting charged twice for things and my card has been charged for items they have denied and this have been going for about two years so I had to keep my card locked and every time I called to complain no one answered on cash app
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i-5 they are suppose to do this 9 Treatment of inaccurate or unverifiable information ( A ) In generals, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept Of Education # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I noticed a collection account on my credit report in XXXX of 2016, from a collection company called LVNV Funding, operated by a company called Resurgent Inc. The debt is for {$41.00} and im unaware of the original debtor but I know it 's not my account. I 've reached out several times to LVNV and asked them to provide me with proof the debt is mine and they have been unresponsive. I also filed a police report in XXXX of 2016 and sent it to XXXX and asked them to remove this fraudulent item, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get both XXXX and Experian to update my current address as well remove out dated debt that was involved in identity theft of my report. Some of these items have been canceled via 1099C which I have provided and explained to the reporting agencies. They are reporting these debts monthly that have been canceled and I am.not sure what they are validating when I place the dispute to have this information corrected and or removed. As well I reside in XXXX.and they have not updated my credit report address and refuse to remove addresses over 10 years old off my report. 
XXXX also has my account in XXXX XXXX  never can validate my information as a US citizen. 
I have attached my information so they can't say they don't recognize me. License and last four of social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card that was used was my social security card to obtain money, which is illegal, then reported it to my consumer report.
Product: Mortgage

I was never provided a closing disclosure for my settlement. I did receive a document at the settlement table. I contacted the lender tbi mortgage many times and was never able to obtain a closing disclosure or an amount to have wired for settlement.
Product: Debt collection

Common Wealth Financial keeps contacting me about a debt that they say I owe. I have asked them for proof of the debt being mine. They keep telling me they have emailed me the proof and such. I have not received XXXX email from them. They keep calling my phone and when I answer they hang up, on a recent phone call they called me and I answered they wanted my SSN and date of birth which I do not give out to someone who calls me. I told them they have not shown me proof and the man on the phone said he has emailed me like 20 times and I told him he did not. He then said " this young lady on the phone is talking to me like she is my mother '' and ended the call.
Product: Checking or savings account

My savings account with XXXX bank was taken over by Citizens bank earlier this year. 
I never really used this account with XXXX, and paid no monthly fees. Citizens has assigned my account to a " One Deposit '' account with a XXXX monthly maintenance fee. 
I called Citizens Bank on XX/XX/2022 and requested account closure. I was assured I would receive a check in the mail for the very small balance left in my account, and once cashed, account would be closed. The customer service rep said that the account would remain open until I cashed the check. Made no sense to me but he insisted he was following procedure. Said I would receive the check with 10 days. I did not. 
I called again on XX/XX/XXXX, and this time the customer service rep said I'll receive a check in the next 5 days. I have no reason to believe this will happen based on the lack of knowledge portrayed by customer service, and I don't want to have to call again and wait forever on the line. I just want to close this account. There are no Citizens Banks located in California, otherwise I'd go directly to the bank. There are no instructions on their website as to how to close an account. Chat service takes hours.I want to close this account before I start racking up monthly fees. Please help.
Product: Debt collection

I applied for an apartment with a co-applicant we were denied try to contact the apartment complex via email telephone numerous times with no response. After 2 weeks I contacted my bank and asked if I could file a dispute explain to them what was going on and they said yes they would open an investigation after the investigation they refunded me the money for the application fee. 3 months later my co-applicant received a letter from a debt collection agency saying that he owed {$150.00}. I called the debt collection agency and they said that he was liable because he was a co-applicant for my XXXX Dollar application fee plus {$50.00} for the returned item from their Bank. I tried to explain to them that I had filed with my bank a claim and they investigated and said I had the right to receive my money back they were very rude and hung up.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. 

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 
My credit report contains fraudulent INQUIRIES that are not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

XXXX. XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

After the banking crisis of XX/XX/XXXX thru XX/XX/XXXX, we were foreclosed on our home and getting ready to be sued by many credit card creditors. We advised them all that we would be forced to leave our home and file bankruptcy. Each of the creditors on our credit cards wrote the debt off in charge-offs to use their term including XXXX, Citibank, and XXXX XXXX. By cashing in 401K 's and other retirement investments, we were able to save our home from bankruptcy. In XX/XX/XXXX, we qualified for re-fi under HARP.

In XX/XX/XXXX, we received a letter from XXXX XXXX XXXX out of XXXX, AZ they were hired by a debt collection firm, XXXX XXXX from Ohio to collect debt from the charge-off to Citibank. Apparently, they assumed we knew what they were talking about but in the meantime, we were sued in XXXX County Courts to discharge a debt of approx. {$750.00} which ballooned to {$2500.00} plus costs to discharge this lien. We got a letter from our bank XXXX, my wife 's earnings were going to be garnisheed for this debt. In the next 2-3 years, we scrimped and saved and paid off this debt. On XX/XX/XXXX a release of lien was recorded stating this debt was completely satisfied. I do not know the total we paid but it was more than {$2500.00}. 
Since last year, we stated getting calls to call their office over a debt not paid by us and we should call immediately or legal action may be taken against. These folks have called me daily minimum and usually 3 or 4 times a day. In the duration, we were called as early as XXXX XXXX plus later than XXXX XXXX. On one of the first calls taken, I asked the source of the debt hey we calling on and they explained it was the same Citi-Bank card paid off in XX/XX/XXXX. I told the person we paid that card off in full on XX/XX/XXXX and offered to send them a copy of the filing but they took only the Case file # XXXX but they told me it was not necessary to send to them. They asked how much I paid around {$4400.00} in the balance owed plus fees The calls have never stopped and became onerous.
Product: Prepaid card

I made a purchase on XXXX with an Amex prepaid card. 

There was a pending transaction on the Amex card in the amount of {$0.00} posted on XX/XX/XXXX - this transaction was a test transaction to verify the card before the actual transaction was to be processed. 

XXXX reported that the card was declined by American Express and they had no further information. I called American Express on XX/XX/XXXX to find out why the transaction was declined and they refused to provide any further information. When I confirmed the XXXX transaction was legitimate, Amex still refused to process it or provide any further information. They then immediately removed the pending transaction of {$0.00} to remove any evidence of a transaction. 

Gathering from online research, apparently there have many instances of Amex prepaid card owners not being able to redeem it on XXXX, despite the fact that XXXX processes transactions on the American Express network. One of the customer service agents from Amex said that XXXX may have been added to a " banned list '', in order to prevent owners of the card from using their funds on XXXX. 

By adding merchants to banned lists, Amex is making it increasingly difficult for owners of these cards to use their funds, which financially benefits Amex in that they retain a higher balance at the expense of consumers not being able to use their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

DiTech Mortgage ( bought out Green Tree Mortgage a couple of years ago ) continues to charge me a late fee and sends me statements with past due amounts. These are all not accurate, especially since I am on the bi-monthly autopay program for my mortgage. Yes, twice a month they withdraw the amount to equal my mortgage each month. I have called to get this fixed in the spring and now they have started again. I called DiTech 's customer service number XXXX nights now, I remain on hold for up to 10 minutes and then the phone gets picked up and cut off. My credit XXXX and pride of the right thing, consumer rights is very important to me. Your assistance would be greatly appreciated. 
Thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies, as well as unauthorized accounts and information listed. These discrepancies have been a detrimental impact to my life and my credit health.