23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I noticed that there was a charge for {$160.00} on my debit card that I had not authorized. It was to a XXXX store that I had little to no history of shopping at. I also was not in the XXXX area that day, making the purchase virtually impossible. 

I immediately called Chase bank and was forwarded to the claims department, where it was determined that my debit card had been compromised. I have been told by numerous people that this is a possibility, even with a chip card, and it is not uncommon for this to happen as a result of using your debit card at a gas station. Chase cancelled the card, said they would be sending me a new one, and refunded the money to my checking account. To my understanding, the issue was solved. 

On XX/XX/XXXX, without contacting me to give an explanation as to why, Chase suddenly withdrew {$160.00} from my account. When I reached out to the claims department, they stated that this was because I lived in the same city where the purchase took place and because the card had a chip it would have been " virtually impossible '' to compromise. Clearly, this was not the case. My card was compromised. 

Not only did Chase refuse to refund the money, they suggested I launch my own investigation utilizing cellphone pings. When I contacted my phone provider, they were unable to provide me with this information. 

I have only filed one other claim with Chase, ever, when an ATM machine did not accept my money and the matter was quickly resolved. The debit card was cancelled immediately after I discovered the error. I have no history of shopping at the vendor. I don't even know what was purchased, nor do I have any receipts to prove it.

Most frustratingly - when Chase pulled the money would of my account, it triggered an overdraft fee. I am currently left without money to buy food, gas, groceries, or anything related to basic needs.
Product: Debt collection

In XXXX of XXXX we moved out of our apartment. Our leasing office sent us a bill showing we owed money and would not be receiving a refund on our move-in deposit due to damaged carpet that was brand new when we moved in XXXX of XXXX. I asked the leasing office to please provide proof that the carpet was brand new as it did not appear brand new when we moved in and the carpet damage shown was not created by us. ( In an area that had never had spills/cleanings/etc. ) The leasing office sent us an invoice from the flooring company dated XXXX - 2 years before we moved in. I said we will not be paying for the damages until you provide proof that there were no tenants before us during those 2 years as the damage was not done by us. They failed to provide proof - and did not contact us further. They ended up sending our bill to collections where we received multiple calls a week regarding this. I know I can dispute so I filed a dispute with the collector and said we will not be paying until proof is given to us like we asked for. On XX/XX/XXXX The collections agency sent us our final account statement with the apartments and our lease agreement. I responded that this is not what I requested. They didnt reply for 2 weeks even though I have emailed them 2 times for an update on XX/XX/XXXX and on XX/XX/XXXX. They called XX/XX/XXXX and the lady was extremely rude and would not let me speak- said they wouldnt be providing proof and I needed to pay. I informed I know my rights regarding collection disputes and the proof needs to be provided- she cut me off saying they know the laws. I informed I work for a bank and know the laws as well. She cut me off and said it doesnt matter where I work I need to pay what I owe. I told her I would be following up with the CFPB and disconnected. They call me and my husband multiple times a week while we are working despite even though Ive tried communicating over email and they dont reply over email.
Product: Credit card or prepaid card

A fraudulent charge was made on Bank of America credit card on XX/XX/21. The card was linked to my XXXX account and I believe this was account that was hacked. I changed my password on XXXX and alerted my bank of the issue as soon I was aware of the issue, which was in mid XXXX. No additional charges have been filed. 

Bank of America reimbursed me for the fraudulent charge and sent me a new credit card.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police report still XXXX XXXX not taking off cra not mine violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$39000.00}, {$28000.00}, {$7900.00}, {$7300.00}, {$14000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit card or prepaid card

My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX {$10000.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$25000.00} EQUIFAX XXXX {$380.00} EQUIFAX XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXXXXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I am XXXX XXXX, a federally protected consumer and I am making another complaint against Credit Control LLC regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, or XXXX XXXX XXXX gets involved and types a computer-generated letter to " verify '' this alleged debt which continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Credit Control LLC any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with Credit Control LLC and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX  XXXX XXXX, CREDIT CONTROL LLC and myself, giving Credit Control LLC any right to collect on this alleged debt. It is my belief that Credit Control LLC is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
Product: Mortgage

I send principal payments and they hold the payment and don't apply it they also mis apply they are charging me daily interest and not applying my fund or if they do it is wrongly applied
Product: Credit reporting or other personal consumer reports

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

This happen 2 years ago, and final recipient not match with current claim, they are manipulate XXXX  XXXX, and ask him to write to them without my acknowledgement, I already call them and let them know I do not want to renew my contract. And final recipient also not match with what send it to us. They manipulate XXXX  XXXX and ask him to write email to use aganist him. There is no clause in my contract said written notice required and I call them in one moth, and last recipient is showing XXXX, where is {$1500.00} come from. Last recipient attached.
Product: Debt collection

In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.
Product: Credit card or prepaid card

I was given this card as a gift a while back, maybe a year or two ago probably in XX/XX/2017, from a friend. It was a $XXXX gift card. I tried to use it a few times and tried to activate it online a couple times without success. I was given a number to call but didn't have time to deal with it and the expiration printed on the card read XX/XX/XXXX, so I figured I had time.I called today and was informed that this card (number ending in XXXX) must be activated within 90 days of purchase or its value completely expires. Nowhere is this printed on the card and the expiry date on the card says "Good thru XX/XX/XXXX."The company, netSpend, refused to offer any monetary value. The woman on the phone would not hang up on me but put me on hold forever after telling me my card is worthless and has no value and anyone else at the company would say the same.I don't remember if there was even any packaging with the card, as it was inserted into a greeting card, a reasonable way for someone to pass on a prepaid card such as this.I feel that this company engaged in deceptive business practices. I would like the $XXXX value that my friend paid onto this card returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information purposely being reported by and to credit reporting agencies such as TransUnion, XXXX, and XXXX. The CFPB 's mission is to protect consumers in the financial marketplace, and XXXX XXXX has engaged in practices that are unfair or deceptive. I am attaching my explanation and details
Product: Credit reporting

XXXX filed income tax lien in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently applied for a loan with a company named one main financial and they deposited a check into my account saying it was verification amount that I would have to send back to them verifying there was a way that I could pay them back. When the money became available I was told to send the money back to them by putting it on a loadable card from XXXX and XXXX and after I did that they returned the check which was fraudulent and my account went negative. {$990.00} is the total amount of the check that was deposited and my account is currently negative {$1000.00} in total charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

i still appear on an account that is not mine XXXX  court papers that i already send it to XXXX XXXX and XXXX and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX. I XXXX XXXX contacted the following credit card companies pertains to credit cards that were opened in my name between the years of XXXX to XXXX. 
There are two credit cards from Capital One Credit Card Company that end in the following four digit number ( XXXX and XXXX XXXX When I contacted Capital One about the above mentioned card they agreed that neither card ending in ( XXXX and XXXX ) were never assigned to me and they have no prior record or history of the number under the name of XXXX XXXX. The customer service reps suggest that I find a complaint with the Consumer Protection Bureau and file a complaint On the same day I also contacted XXXX XXXX XXXXXXXX XXXX XXXX about two credit cards ( XXXX and XXXX ) that were assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to two customer service representatives about the cards and the sales representatives could not find current or prior cards with the ending numbers XXXX XXXX or XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

Once again I contacted a third credit card company XXXX XXXX XXXX XXXX XXXX about one credit card ending in XXXX XXXX XXXX that was assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to a customer service representative about the card and the sales representatives could not find current or prior cards with the ending numbers ( XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

I suspect that the all the cards from the three companies have been opened fraudulently and I want any record of these cards taken of all of the three major credit reports and that i am not held liable for any of the amounts owed because I never owned any of the credit cards.