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

Equifax and XXXX  is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to Equifax and XXXX  to fix this issue as I have tried many times myself already with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from TRS on behalf of Tele-Check Services on XX/XX/year>. TRS Is attempting to Collect a fraudulent debt which I HAVE listed on my Identity Theft Affidavit which is attached. This is accurately listed and is clear on the identity theft affidavit statement of the crime. My check book was stolen from XXXX and XXXX. In the check books checks were written to a XXXX and a XXXX XXXX. These Checks were reported as Unauthorized ACH. The reason for the unauthorized ACH was because these checks were forged and stolen. Which I reported to Both Banks. TRS Is trying to collect on these items stating that they have XXXX Receipts. I viewed the receipts they attached those aren't my signatures. I did not authorize any transactions with a XXXX XXXX, Nor with a XXXX. I am sorry that TRS has to attempt to recovery Debt that was incured by Fraudulent matters. These checks were not placed as stop Payment. I Reported these transactions as UNAUTHORIZED ACH 's to the Banks I listed above. I did not submit a stop payment request. I notified them that the Checks were forged and stolen, which proceedingly had me submit an ACH Unauthorized form writing these items in that were charged to my account from the stolen checks that were forged without my consent. Again I do not owe these debts and I do not take responsibility. These are not my signatures. These checks were converted into XXXX 's and they were forged. TRS should not attempt to collect a debt that was fraudulently obtained. When a check is forged It is not my fault, and Again I reported these checks as STOLEN. FRAUD. Not Stop Pay. The ACH TransactionsXXXX 's were accurately reported as unauthorized, However XXXX and XXXX XXXXt sent these to Tele-Check to pay them when they knowingly knew they were fraudulent transactions. That way they could have Tele-Check warranty the items. I did not authorize these transactions and again, This is Identity Theft, The checks were stolen they were converted to XXXX/ACH and they were reported as UNAUTHORIZED EFT/ACH Transactions. Signatures were forged on the stolen checks. I will not be paying for something I did not write that was stolen. I did not receive any benefits from these trans actions. Please correct your reporting.
Product: Credit card

Bank card made unauthorized withdrawals over years. We only discovered it when we began questioning an unknown XXXX withdrawal.
Product: Mortgage

Unacceptable sharing of other persons information with me, while corresponding on my dispute. 

On cfpb complaint XXXX of application XXXX, I was mailed a correspondence document that not only included my 3 page letter but also a two page one to XXXX XXXX XXXX XXXX and XXXX XXXX, picture attached. Im sure the XXXX would be very disappointed in this disclosure to me, a third party. I am happy to share this with them but am going through proper channels so you can notify them of this breach and penalize wells for the breach as allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.
Product: Debt collection

I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified
Product: Checking or savings account

On XX/XX/23 I used the mobile Chase app to deposit a check made out to cash in the amount of XXXX. On XX/XX/23 I noticed the money was there but I couldn't use it. When I called Chase they told me my account was frozen because the check was made out to cash. They needed to verify that the check was meant for me. I called my boss, who wrote me the check. She then called the bank to and informed them that the check was meant for me. She told me it would be cleared within a few days. After a week and about XXXX phone calls later, it was still not clear so i went in person to the bank. The bank teller informed me the only way to clear this was to have my boss call the bank, which was done already - XXXX times. Every time we call, they say something different. Now my account is completely closed and they are holding the money. My boss who wrote the check tried to cancel the check but Chase will not allow that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681e ( b ) maximum accuracy Question : Did the court clerk report my bankruptcy to the credit bureau?
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that the zero APR in the Capitol One Quick Silver card expired. I called to talk to the customer service representative around XXXX EST. Since Capitol One has been charging around $ 180 monthly finance charge for 4 months, I asked the representative to waive the last finance charge. She became very unprofessional and immature and questioned me that " you had 18 months to pay for the card '' I told her if I have the money I would have paid them. I also added that unlike other banks such as XXXX   XXXX XXXX and XXXX XXXX that I also work with and they honored my request and waived the late fee, they should also think of the customers ' financial difficulty and be more accommodating. She then started giggling as if anything is funny. I told her she is very unprofessional and she hung up on me. Since she told me that the conversation is being recorded, I would like this employee ( whom I could not even get the employee ID of since she hung up on me ) to be reprimanded for her lack of professionalism and cooperation. I have had bad experiences with Capitol One which I have not had with any other banks throughout my credit history since XX/XX/XXXX.
Product: Checking or savings account

I have a business checking account ( XXXX XXXX XXXX ) with chase bank, the bank have ignored my request for information regarding the freeze on my account with about {$63000.00} of credit balance and this have been on since the last quarter of XXXX. 

I just need answer for the bank 's drastic measure without explanation to what the issue or facts regarding this unwarranted decision by the bank.
Product: Debt collection

I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.
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 XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : 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 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: Debt collection

On XX/XX/2022, Jefferson Capital Systems agreed to dispute/delete collection from my credit report because the debt does not belong to me and the address on file is not mine. I was also given a reference number. However on XX/XX/2022 the debt was updated on my XXXX credit report as accurate although I was informed that it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$540.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX, I fell behind on my payments due to a sick parent that I was taking care of. As I was getting back on my financial feet in XXXX, the global pandemic hit. In late XX/XX/XXXX, I received an envelope from Department Stores National Bank ( " DSNB '' ) which contained an IRS Tax Form 1099-C : Cancellation of Debt. The document was dated XX/XX/XXXX and the amount discharged was {$1900.00} ( document is attached ). I was surprised by this document so I contacted the company and I was informed that the debt was discharged but did I want to pay the debt off. I asked how does that work since now I am obligated to report the sum above to the IRS? Isn't it like I am being penalized twice? I was told that I could pay the debt and then make an amendment on a filed IRS XXXX. Recovering from the pandemic, that seemed a bit lengthy since I was also worried about how these matters would affect my credit score. So I declined to continue the conversation so I could study the financial consequences of the situation. I noticed on my XXXX  that XXXX states I owe " DSNB '' {$2100.00}, so I reached out to Transunion for a clarification. 

On XX/XX/XXXX, I received notice from XXXX that my credit score with XXXX  fell by XXXX points due to a report from Macy 's ( also attached to this email ). Today, XX/XX/XXXX, I received a notice from XXXX that my credit score with XXXX  has dropped XXXX points. At this rate, I am expecting the same outcome at XXXX. 

This seems like a highly punitive action in a time when most Americans are getting back on their feet. My understanding is that Macy 's currently has the benefit of written-off debt, I have to pay tax on the debt as income and my credit score still got penalized. I just want to understand the whole situation so I can best address it. Can I understand if this is standard financial services practice and how best I can resolve this matter since Macy 's already filed the 1099-C for XXXX? Thank you for any help and assistance. Greatly appreciated.
Product: Credit card or prepaid card

Banana Republic solicited me to be a BR Card ( the Card ) user in XXXX. The BR Card is issued and managed by the Synchrony Financial. Synchrony Financial is a consumer financial services company headquartered in XXXX, Connecticut, United States. 

Subsequently I set up an online bill pay from XXXX  XXXX XXXX with the intention to pay off the account balance every month automatically. I have not used the Card since late XXXX and during the entire COVID period. I saw an automatic email from XXXX XXXX XXXX showing I was sending an auto-payment of {$78.00} to the Card on XX/XX/XXXX. This prompted me to review the account history. To my shocking disbelief that I have been paying the Card {$70.00} to {$90.00} a month every month since XXXX. The total amount of interest I have paid to the Synchrony is around {$5000.00}, far surpassing the charges I have ever incurred on the card mainly from using it in Banana Republic Stores. 

I subsequently made phone call to the Card and was greeted with disgruntled employees based in XXXX and XXXX with minimum training of US customer protection regulations and rules. A few subsequent calls exploring if anything can be done to rectify the situation given the obvious " mistake '' and such payment pattern doesn't fit the customer profile have been met with nonchalant attitude. A brief conversation with customer service around potential interest adjustment on the ground of COVID relief has been met with cold response. All conversations with the Synchrony employees were unproductive and the company 's attitude towards regulators when brought up by me was dismissive. In a subsequent conversation with XXXX credit card services, its employee suggested such behavior from Synchrony is " shady ''. 

Synchrony Card has charged me 25 % interest and pushed the minimum principle payment to < {$25.00} so that the company can make this " unnecessary debt '' outstanding for 12 years to collect thousands of dollars of interest. Additionally I have not received a single " paper '' statement in my mailbox for years. I have a habit of verifying what I am paying on a regular basis, this would have been caught by me easily if the paper statement has been delivered to me. 

This interest charging and letting customer paying absurd minimum balance for the client who is qualified for {$15000.00} credit limit is borderline fraudulent practice and predatory to the particular segment of customer base ( >750 credit score with sufficient financial resource to payoff {$2000.00} principle ). 

This is the only credit card I have ever had any problems, this is verifiable with all credit cards I have owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with XXXX since [ year ]. During that time, XXXX has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

XXXX has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, XXXX has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that XXXX remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. XXXX has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX Bank to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my TDA account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or XXXX ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX Bank. This information was provided on your XXXX filed with the U.S. Securities and Exchange Commission XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number ( XXXX XXXX : XXXX Reported Date XXXX XXXX  ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX XXXX Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.
Product: Money transfer, virtual currency, or money service

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX Statement of Claim On Tuesday XX/XX/year>, I was communicating XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she.responded to a post I made about getting help setting up XXXX  account to protect my XXXX. I was seeking this assistance before purchasing, and she was helping me with that. As well as assisting me with purchasing XXXX. On Wednesday I was able to purchase {$150.00} worth, but knew it wasn't enough. XXXX XXXX also encouraged me to purchase more, she wanted me to empty my savings, and put it all on XXXX. ( a red flag that I ignored ). On that Wednesday my bank kept refusing to allow my other purchases to go through. On Thursday XX/XX/XXXX, I went to my bank to inquire about my denied attempts to purchase XXXX. My bank finally allowed XXXX purchases to go through totaling {$500.00}. 
I never shared my private keys or recovery words with XXXX XXXX. On Thursday morning I checked my Trust Wallet to painfully discover that my account was wiped out clean, all of my XXXX  was gone! I messaged XXXX XXXX via XXXX, accusing her of stealing my XXXX. She denied having any involvement in the fraudulent activities. 

After further investigation, and filing a complaint with the XXXX XXXX XXXX, I discovered that there are numerous claims fron consumers about Trust Wallet stealing XXXX  currency from them. I also filed a claim with Trust Wallet on XX/XX/year>. I received an correspondence stating that I would receive an response with 72 hours, as if the date of this complaint I have not heard from anyone at TRUST WALLET.
Product: Checking or savings account

On XX/XX/2020, Bank of America put a hold on my account in the amount of {$880000.00}, which resulted in a negative balance. I called them 7 times until I got an answer that said it was flagged for fraudulent activity due to an SBA loan due to coronavirus from my XXXX. All the representatives gave me the run around and continuously transfers me to imaginary lines that shut off as soon as I got transferred. The money left in the account was for my well being, to pay bills, and to just generally lived. Ive seen multiple horror stories of Bank of America doing this and it has to be stopped.
Product: Checking or savings account

On XX/XX/2022 a package which I did not authorize. I have filed multiple claims with Chase, XXXX and XXXX. XXXX and XXXX told me that since the package was delivered, there is no further action to take Chase told me since I filed multiple claims, and they have all been denied, I am unable to get my money back. I am a full time XXXX XXXX  and I work full time in an XXXX XXXX in XXXX XXXX XXXX. I am beyond stressed and I support myself. Therefore I need this money back. I have already filed the police report.