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

I've attached a copy of the police report regarding the incident, but I would also like an investigation launched into the negligent behavior at the hands of XXXX. My ex husband fraudulantly opened two credit cards without my knowledge under my name/social a couple months prior to myself filling for divorce. During the divorce proceedings, he told me that I was simply an authorized user, and he would remove me from the cards once they were paid off. I had no reason to doubt this, seeing as I had never received any correspondence from XXXX regarding the XXXX XXXX or XXXX XXXX accounts, by mail, telephone or email. I never received any financial billing statements related to purchases made on the account, nor did I have any access to any related information. My divorce was finalized in XX/XX/XXXX, and I thought nothing of the accounts going forward as I was alluded into believing that I was just an authorized user as outlined by the attached police report. Around XX/XX/XXXX, I was checking my credit report, and I noticed these balances had increased, at which point I directly contacted XXXX XXXX  via providing my social security number, and I was informed that both accounts were listed as me as the primary, with my ex husband being an authorized user on the XXXX XXXX card. 

At this point, I demanded that he stopped making purchases on the cards, and pay them off. In my attempt to keep things amicable due to his poor health, he made the payments on the accounts till around XXXX, which I could see on my credit report. At this time I contacted XXXX and asked them to put a freeze on any further purchases being made, as my ex husband had assured me that he would be paying off the cards shortly. I made the representative aware of the situation, and I was assured that he would not be able to make any further purchases without my permission. 

Moving forward towards the end of XXXX, I saw on my credit report that the XXXX XXXX Credit Card had been maxed out. My ex husband told me that he had paid the accounts off, to which I called XXXX to confirm. After I was assured the balances were XXXX, I closed both accounts. A short time after, I saw the balance reappear on my credit report, and I contacted synchrony and was information that the payment bounced. Nearly 60 % of the balance on the fraudulently opened accounts, was a direct result of the negligence behavior which allowed my ex husband to make additional purchases despite me requesting a freeze on further purchases with my social security. Even still, despite talking to many representatives, they have refused to disclose information regarding my phone calls, deliveries of the merchandise purchased fraudulently, and addresses that the purchases were delivered to. XXXX has informed me that their own fraudulant investigation concluded no results, to which I subsequently filed a police report concerning the matter. In my experience, I continue to be gaslighted by representatives and their inability to provide me information concerning accounts that were fraudulently opened using my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on several occasions for this creditor XXXX  XXXX XXXX XXXX listed on my credit report. On XX/XX/21 I called XXXX XXXX XXXX  asking about information on this account. The creditor told me that they do not have this account and this account has been sold to XXXX XXXX XXXX. I called XXXX XXXX XXXX on wanting to find out information about the account that XXXX XXXX XXXX  said they do not have and XXXX XXXX XXXX who is a junk debt buyer gave me a reference number if XXXX. I then proceed to go to their website with this information and I get a message that they do not have this account ( please refer to attached document ) because it has been sent to another junk debt buyer called XXXX XXXX. I called XXXX XXXX back and ask them why did they tell me they have this supposed debt from XXXX XXXX XXXX  when now XXXX XXXX has that whatever debt. I then called XXXX XXXX with my issue and this company gave me an account number of XXXX. I log this number into their website to see if there is an account and I get a message of no information found. ( see attached document. ) I want to know how is this credit bureau listing an account that does not belong to me and that you keep verifying that it is mine when XXXX  XXXX XXXX  says they do not have the account. What are you verifying this information from? Why are you allowed to post information on my credit report that is WRONG? For the final time I am asking you please to get physical information from XXXX XXXX XXXX  that shows this account belongs to me because they are telling me they dont have the account and a junk debt buyer has it. You are allowing XXXX XXXX XXXX  to continuously report this account every month to you when I do not owe them anything. Since this is my very last time asking for the removal of this account from my credit report, if this matter is not resolved within 15 days I am filing a lawsuit in small claims court for violations of the FCRA. I take my credit seriously. Please delete this erroneous information from my credit report for the last time.
Product: Checking or savings account

I deposited a check that I won from a settlement. The check is for XXXX. Chase said they can not verify the check even after I provided the name of the bank, address, and banks verification number for Chase to call. They also froze my entire banking account until this gets cleared up. They will not return my check to me or allow me to pull my money out of my chase checking account. The Bank that issued the check is verified and legitimate. Please help me resolve this issue with Chase. 

The bank that issued my check is : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 ITEMS. 
XXXX XXXX XXXX ( Original Creditor : CEDARS AT XXXX ) XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract
Product: Checking or savings account

Im not sure as my account was closed several years ago, but I do know that Wells Fargo charged me multiple times on overdraft fees. Also my name is different now than it was on the account but I know that the instructions said not to provide it. So please contact me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> SS : XXXX XXXX XXXX My Only name is XXXX XXXX XXXX Only address is XXXX XXXX XXXX XXXX, VA XXXX My Only Employer is XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

incorrect historical data listed below Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XX/XX/XXXXData Breach and may have got into the hand of the wrong person.
Product: Credit reporting or other personal consumer reports

Can you delete All the addresses on my Credit report i only live one place
Product: Credit reporting, credit repair services, or other personal consumer reports

I putted in a dispute for a wrong address and two incorrect XXXX  XXXX XXXX Credit Card accounts showing up on my Equifax credit report. The result came back, deleted the incorrect address, but still remaining the two XXXX XXXX XXXX credit card accounts that don't belong to me. I contacted the XXXX XXXX XXXX, they don't have any accounts under my name or Social security number. I pulled the credit reports from two other credit bureaus, those two incorrect accounts weren't there, only showing up on Equifax credit report. At this point, I don't know what to do. I don't know how Equifax investigate the case. If Equifax had contacted XXXX XXXX XXXX, then they would know those accounts don't belong to me. Please advice. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX  CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. 

AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

RACIAL DISCRIMINATION AND RUDE CUSTOMER SERVICE : On XX/XX/18 I called Citibank to tell them my wife ( XXXX ) will go to a Bank to get cash advances on our cards. I was told them amounts which were available. My wife went to XXXX  XXXX XXXX and processed a cash advance with our Simplicity card without any probing questions. She also attempted to use the Double Cash ( D/S ) card she was told the system would not accept the D/S for cash advances. I found a nearby Citibank Branch at XXXX XXXX XXXX and told me wife to go there and use the D/S card. My wife approached the window with Citibank Teller XXXX XXXX to process her transaction. During the transaction a male interrupted them to have his transaction process. XXXX stopped handling my wife and processed the transaction with the male. My wife was surprised by the rudeness on both their parts and stepped by to let them complete the transaction. After the the transaction was completed my wife approached XXXX again to request a cash advance. To her dismay, XXXX started asking probing questions about her occupation which was not necessary for a cash advance according to Citibank Credit Card XXXX XXXX, employee number XXXX ( who refused to take my complaint because it was in regards to a branch ). I told my wife not to answer those probing questions and to request a Supervisor. The Citibank Supervisor XXXX XXXX told my wife she had to answer all those questions because she does not have a Citibank checking or savings account. Citibank Teller XXXX XXXX refused to process the cash advance unless my wife answered all of her probing question which are not required for cash advances. I told my wife to leave the bank and I would file this Federal Complaint.
Product: Credit reporting or other personal consumer reports

I have spent thousands of dollars over the years and have requested several times to be signed up under the XXXX settlement. I am a cyber stalking victim and Equifax told me my credit rating was XXXX and they keep INTETIONALLY allowing the same money laundering organization to destroy my credit rating.
Product: Mortgage

XXXX and XXXX, the current owners of the property known as XXXX, NY XXXX ( " property '' ) hired our firm to represent them in the sale of their house. On or about XX/XX/1984, two mortgages granted by XXXX and XXXX were satisfied following the sale of the property. The property has been sold twice more since XX/XX/1984 and each time a request for satisfactions of mortgage has been attempted to be filed by Citibank and each time, because the seller did not have the XXXX account number nor their authorization to discuss the loan, Citibank would not progress the call to the lien release department, stating that they can not discuss the account. As the account has been satisfied over 20 years ago, our office is not asking for the borrower 's information on any information on the loan but merely asking that satisfactions be filed in the XXXX office as the mortgages granted by the XXXX still show as being " open '' ( see attached lien search ) and the sellers can not sell their house without satisfactions being filed or payoffs to be provided to the title company. As the XXXX can not located prior owners three times removed, they are stuck as the title companies that insured the transactions are no longer in business and they can not locate the owners title policy from when their parents bought the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a notification from XXXX XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called Equifax and XXXX XXXX and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. Equifax and XXXX claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date XXXX XXXX and Equifax have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and XXXX XXXX and Equifax never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) has had at least two dates in the recent past where direct deposits have not been properly posted, leaving members with little to no funds on dates that should have had a deposit. The dates that I know of are XX/XX/XXXX and XX/XX/XXXX. The credit union fails to issue any type of warning such as an email, message on their website, or banner in their app until many hours after customers have noticed the missed deposits, causing significant stress to members. NFCU 's phones always go down because of the issues, so members are left without funds and unaware of the problem until the credit union issues a notification hours later.
Product: Credit card

On XX/XX/year>, I attempted to use my JP Morgan Commercial Credit Card for a purchase of {$96.00} at XXXX XXXX via XXXX XXXX, but the transaction was declined. The staff advised me to inform the credit card company if the charge appears at the end of the month. In the meantime, a member of my group stepped in and used her credit card to cover the cost. They stated that the payment issue may be a XXXX issue. 

Subsequently, JP Morgan contacted me to discuss the payment and requested the receipt from the other persons transaction. I provided that information, yet they insisted on obtaining the other persons credit card statement to verify that the payment had been settled. This request is unacceptable ; it infringes on her privacy. The receipt clearly shows that payment was made, and it should be sufficient for their record. I even reached out to XXXX XXXX and they said they could not do anything because it does not show up on their credit card machine and they can not view the XXXX XXXX  account. 

It is fraud for me to pay for something that I did not receive, it was acknowledged by the XXXX XXXX  that the payment did not go through, I have showed the receipt that the order was paid by another person 's credit card. Yet JP Morgan still wants payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charge on my CREDIT REPORT BY XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2018. I am a victim of identity theft, and I did not OPEN THIS ACCOUNT. I HAVE PROVIDED A IDENTITY THEFT REPORT AND A POLICE REPORT. I HAVE BEEN DISPUTTING THIS ACCOUNT FOR A WHILE AND NOTHING HAS COME OF IT. DISPITE PROVIDING INFORMATION REGARDING THE IDENTITY THEFT. PLEASE HELP. THIS IS NOT MY ACCOUNT, AND XXXXXXXX XXXX XXXX IS NOT COMPLYING WITH THE REQUEST. XXXX AND EXPERIAN HAVE FAILED TO FIX THIS ERROR.
Product: Checking or savings account

I've ordered some item from different stores and never got the merchandise, but I was still charge. The bank ( wells Fargo were notified of the situation and I was told it was nothing they could do about it. It was over {$1000.00} dollars I was out of. Someone please help me. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )