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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the company that went into collection these accounts are fraudulent and I have no knowledge of these accounts. 

Company or Organization XXXX XXXX  XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX  Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022
Product: Credit card

I submitted my initial claim for benefits by Mail in XXXX of XXXX, when my unemployment benefits ran out. I was paying into the credit card protection program for over ten years. Amount of close to XXXX dollars. Which was billed in monthly installments off my Macy Credit Card. ] Wen they sent me my benefit claim application, it came from a third party company located in XXXX, Georgia. ( Credit Card Protection ) I submitted the application along with unemployment benefit letter and Cover letter. Since XXXX of XXXX I never received a reply, Macy 's kept telling me, they could not communicate with this third party organization on my behalf, as to why my benefits were not being processed, but Macy 's promoted this company and Macys allowed them to billed my credit card every month for the benefits, for protection in the case I became unemployed. It has now been 7 months, I have communicated numerous times with the third party organization, along with Macy 's collection department, and Macy 's still will not take responsibility of this company 's negligence in handling my claim I also contacted the Citibank Corporate office in Ohio, to no avail!! I made payments when I could, but I have paid over XXXX dollars into this service, with no response for benefits coming back to me
Product: Checking or savings account

Chase, bank allowed the collection agency to take funds which ARE EXEMPT SSI
Product: Credit reporting 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.

Account name : # 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 an 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 records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I wasted about 2 hours today getting transferred between incompetent agents who had no clue on how to do their job. 
XXXX was advertising the Barclays XXXX card and since I am a member I decided to apply. The application experience was the worst that I have ever encountered. The application went to pending and the website doesn't even provide any sort of application or reference number. I tried to reach out and they ended up transferring me at least 6 times over 4 phone calls. One agent even transferred me to XXXX, I cant even imagine this sort of incompetency. 

Anyways, I am XXXX XXXX XXXX of 12 years. I have an existing active Barclays Savings account which had pretty substantial funds in that. I had plenty of Barclays card in recent past. I have an XXXX XXXX XXXX. But looks like Barclays credit card department is totally dysfunctional and can't figure any of this out and I guess all these departments are siloed and dont talk to each other. They want me to fax or mail them a copy of my social security card, a copy of my passport and a copy of my utility bill. Even in this day and age, they have no way to securely upload or email any of this. I dont feel secure faxing or mailing any of this specially a copy of the front and back of my Social security card. 

I am filing this complaint in the hope that it might reach someone sensible at Barclays who can fix this fiasco.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth attempt to contact you via a CFPB complaint to inform you that I am a victim of identity theft and to query specific records in my file that were obtained illegally. The data I am querying connect with no exchanges acquiring any custody of goods, services or money that I have made or authorized. Block the notoriety of any material in my credit report that resulted from a scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following false things should be taken off of my credit record, I formally request. I would appreciate it if you could delete the disputed goods right away if you are unable to provide any documentation proving that they belong to me.
Product: Credit card or prepaid card

I received a US Bank Reliacard that I did not request. Document states it is for payment of unemployment benefits which I did not apply for and do not want. I am retired and not entitled to any unemployment. I have made several phone calls to the numbers provided but was on hold for an hour or more. Then when I did finally get to talk to a real person and told her what I wanted to do, she said she'd transfer me to the fraud department and after another 20 minutes on hold I was disconnected. There were 2 other numbers, one for activation which I did not call and the other phone number provided was not in service.

The paperwork that came with the card said if I did not request it, to submit the attached form, but the form did not include an option to submit. I opened the address they provided for submission, XXXX but it was not an email address and had no further option to send the form.
Product: Debt collection

I received a collection notice from PayPal in XXXX of XXXX stating that I owed {$30.00} on an account. When I further researched this issue it was noted that this was a fraudulent account created using my maiden name and current address. The collection agency was able to verbally verify that they sent a flag alert to PayPal regarding this account and I reached out to XXXX Identity Theft Protection to submit a claim. Since XXXX my XXXX agent and I have called PayPal numerous times and each time we get a different PayPal agent who gives us the run around. We were told on several conversations that we would be getting an email confirmation that the fraudulent account was closed and then each time we call back we are told they can not provide us with the information. I am looking to get written confirmation that the account in question was closed and that I will be released from any financial responsibilities from this identity theft.
Product: Credit reporting or other personal consumer reports

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXXphone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Product: Credit card

Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question and they are negativity impacting my credit. Per section 15 USC 1681 c-2. Any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

I applied for a line of credit through the Grain XXXX. The initial process was fine, I was approved for {$1000.00} credit. I successfully made payments on time, as they were automated from the origination of the account. I did run into an issue where a couple months were not reported to the credit bureau ( XXXX ) and I was able to dispute this through XXXX and have it resolved. In XX/XX/2022, Grain implemented a new identity verification process that requires users to submit several documents ( ID, etc ) for identity verification in order to continue using the app. In the meantime, without having access to ANY of my account information - Grain still collected payments as before. I submitted verification documents which was supposed to take 5-7 days to verify, which is understandable. After over a week of my account being in " Pending verification '' status, I contacted customer support via email to report that I am still unable to access my account. This means I can not make any changes to the account from which my payments are auto-drafted and I can not access any funds available in the line of credit, while still making a regular monthly payment. I have tried several times since XXXX to contact customer support, but they are unreachable by phone and by email, they only send an automated response stating that someone will reach out, and they never do. I have a record of emails sent requesting assistance. Further reviews stating similar experiences can be found on the XXXX XXXX store for the Grain XXXX. I am at a loss because I need to close the account that is making payments, which will result in an impact to my credit score if I can not continue making payments to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting At XXXX Account # XXXX as violated my rights.

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a vehicle and was denied access to the line of credit that was opened in my name. My application was received and they ran my social security, which by that point we had entered a consumer credit transaction where I, The Beneficial Owner, are owed a line of credit in amount equal to the amount I applied for. In denying me, I was discriminated against ; The amount of credit history has no legal impact on the decision nor is it lawful to deny someone based on information from third party affiliates per ; Federal Reserve Act. Sec. 16 " Issuance of notes '' and " application for notes '' and 15 usc 1605. I also gave a tender of payment to give the bank clarity on what to do with my application which I will provide in the following text box along with a photo of my application.
Product: Debt collection

Actually, i did not receive notice of right to dispute, instead a guy came to my job representing Simpson Law Firm stating that i could be arrested if i do n't contact Simpson Law Firm and set up a payment plan with them. They also stated they will garnish my wages as soon as possible. 
Still i never received validation of the debt i sent them 3 times already. i sent it to them the first time last year of 2015, it was signed indicating they received it, i also faxed and send them another validation letter by fax and XXXX after they would not tell me the amount i owe over the phone. 
two weeks after sending them the last validation letter, they sent me a letter stating they will garnish my check again. I have already started the process to file suit
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I initiated a dispute with Transunion on my installment account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost 90 points at the time and lose credit history and payments. I reached out to the creditor XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to Transunion. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over 10 on time installment payments after the dispute including very large payments to pay the loan off early. The 30+ on time payments over 2.5 years on a XXXX XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

I did not authorize any of these inquiries. If you believe otherwise, please provide copies of my written consent. The items listed below should be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Officer, I'm writing to report problem experienced with XXXX XXXX, which led to incorrect reporting of late payments. 

I'm a customer of XXXX XXXX  since XX/XX/XXXX, everything was fine until recent years, when they keep changing their credit card program ( from XXXX XXXX to XXXX XXXX in XX/XX/XXXX, and from XXXX  to XXXX XXXX  in XX/XX/XXXX ), which creates great confusion for customers. 

In XX/XX/XXXX, I thought the program is ending, so I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points. 

I called and wrote to the dispute department several times, however they remain unresponsive. Therefore I'm writing to CFPB to have the issue resolved. 

Last but not least, it appears that XXXX XXXX increased the reward points redemption threshold from around 1,000 to 25,00, which forces customers to use the card even though the features of the card is no longer competitive. I found that exceptionally unfair to the customers, and I saw no other company implementing the same rule. 

Please advise, really appreciate your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filling a complaint because I'm a victim of identity theft. I have already notified Experian and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

Experian Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

PAM ( Professional Account Management , LLC ) XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Claiming that I owe an unpaid toll violation in the amount of {$51.00}. I know that it is a scam because the license plate number does not match any vehicles that I own. Letter is very official looking with the following header... 

Date : XX/XX/2023 Re : Unpaid Toll Violation ( s ) Creditor : State Road and Tollway Authority PAM Account # : XXXX PAM Notice # : XXXX Toll Violation # : XXXX Amount Due : {$51.00}
Product: Checking or savings account

Had an account with newspaper company -- XXXX XXXX XXXX ( XXXX XXXX ) and subscription expired. They continued services without my authorization and deducted from my credit card without my authorization on two different occasions. 

This is fraud and I notified the credit card company who cancelled the card and reissued the card. They continue to do so.