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

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
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 XXXX XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my disputes regarding inaccuracies in my credit report. Despite them varifying that my information was compromised in their data breach my submissions, Experian consistently responds within stating the account is accurate, without providing any evidence of the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian 's may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent Federal filing ( Case XXXX ) against them for similar violations. I request that the CFPB take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation into said accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and a deletion of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is LNLV.
Product: Debt collection

I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe XXXX money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company DIRECT RECOVERY SERVICES anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
Product: Credit reporting or other personal consumer reports

Paid off account, was refunded for overpaying on the account by Synchrony. Rooms to go says we owe them even though the receipt and credit line both show {$0.00} balance. Now I am in collections with {$1900.00} in debt which is incorrect and Ive been fighting this for almost 2 years.
Product: Debt collection

INNOVATIVE RECOVERY IN This company is reporting a Past Due Amount : {$3500.00} on my credit. XXXX  and XXXX  have removed the debt as it is not valid. XXXX  is reporting it and they say it is valid. I want them to validate the debt and remove from my credit report. They are reporting this debt on behalf of XXXX XXXX XXXX which I left in XX/XX/2018 for roaches infestation. Their contract was supposed to expire on XX/XX/2018 and I told them I will not renew because of roaches. My last payment was for XX/XX/2018. Innovative is reporting twice the month rent for breaking the contract. I have proof of the last month rent which was XX/XX/2018. I do not know how they validate the debt with XXXX. I have written communication and spoken verbally to the landlord. I want this creditor to remove the debt on my report immediately.
Product: Credit card

I have called Citibank a lot of times now regarding the reverse charges. I reported those reverse charges since XX/XX/year> and until now they have not taken any actions to fix them. And also I noticed that they posted so much reverse charges that I reported because they were all not made by me.
Product: Credit card or prepaid card

My girlfriend and I both applied for the same credit card around the same time this year, she was approved and I was denied. 

We have similar credit scores and risk scores ( mine fare a bit better than hers ). Our public records are identical and she has way more unpaid debt than I do. My oldest accounts are also older than hers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosures : Identity Theft Report FCRA Section 605B IF BLOCK IS DENIED PLEASE PROVIDE PROVE NOT E OSCAR
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit bureau agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account opened with XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

I made a purchase for {$590.00} at the XXXX Wyoming US Post Office. They had to cancel the transaction because of a broken printer. 
The money was NOT refunded to my XXXX XXXX debit card XX/XX/XXXX. 
The Postmaster XXXX XXXX investigated it and tried again to refund my money on XX/XX/XXXX. 
XXXX XXXX XXXX did NOT put the refunded money on my debit and I had to call after midnight to talk to anybody. 
They gave me a dispute case number XXXX. I reported it to XXXX Wyoming Police case number XXXX. 
XXXX XXXX did NOT send dispute paperwork and lied about it. I send the info plus a letter from Postmaster XXXX XXXX on the matter to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Texas XXXX. No response. 
I faxed it to their dispute number XXXX and got transmission verification back but XXXX XXXX lies and said it wasnt received and it has been faxed twice. 
I reported this misdemeanor larceny theft to FDIC. 
I am reporting it to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX
Product: Credit reporting

I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details XXXX-XXXX XXXX, GA XXXX XXXX
Product: Credit card or prepaid card

They wont let me close my account after I have contacted them about identity theft. They said, my replacement cards were sent out without my actual consent and then it was sent to someone elses address. Charges on my card were not all mine. They never let me pay on my bill because I couldnt verify myself after my information was changed? I just want my account fixed and closed.
Product: Debt collection

A call from XXXX identified himself as Barclay Bank 's attorney. We have never dealt with that bank. He demanded that I send him {$6600.00} to resolve a credit card debt. This is a scam.
Product: Checking or savings account

XX/XX/XXXX - called to close CD upon maturity They said I would have to go into branch. There is no branch in my state. 
They said a recovery team would call me in 1 to 2 business days. 
5 business days later on XX/XX/XXXX I called them again. They said the exact same thing. 
Now it has been 10 days and I called them today and they say the exact same thing. 
I filed a complaint with the bank " XXXX '' I let them know I needed my funds. It has taken an hour or more of my time each time I call. 
They are keeping my money against my will. 
Thank you and please help. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Product: Checking or savings account

On XX/XX/XXXX I received an email offer from CitiBank with an American Airlines AAdvantage miles bonus when for opening a MilesAhead savings account. The mileage bonus was based on the amount deposited in the account. The offer specifically stated that the funds needed to remain in the account for 60 days. On XX/XX/XXXX, I opened the account and immediately deposited {$50000.00} which related to a XXXX AAdvantage mile bonus. On XX/XX/XXXX, I contacted CitiBank at XXXX XXXX ) XXXX to verify with the representative that I met the terms and conditions because I needed to withdrawal most of the money sometime in XXXX. The representative ensured me that I did meet the requirements and that I would receive the bonus even if I withdrew the money that day. I am sure of this because I asked several times. I then withdrew most of the XXXX on XX/XX/XXXX. I then made several calls during XXXX and XXXX to inquire on the status of the bonus miles. On each call, the representative reiterated that the miles would be credited in XXXX. On XX/XX/XXXX, I called the above number and the representative stated that the miles would be in my AAdvantage account by XXXX on XX/XX/XXXX. I called again on XX/XX/XXXX to open a dispute because I did not receive the miles. The dispute was denied because I did not retain the funds for 90 days. On XX/XX/XXXX, I called to inquire about the dispute and XXXX stated that I did meet the requirements but there are many different offers and they were in error. She also stated that she would send me an email which I never received. I phoned again on XX/XX/XXXX and the representative told me that they did not start counting the 60 days until 30 days after I deposited the money and I did not qualify for the bonus. If this were the case, why didnt the representative tell me this on XX/XX/XXXX? I would have retain the funds for another four days. I had no reason to believe that the funds needed to be there for 90 days when the agreement stated 60 days. I am not able to get CitiBank to address this issue beyond the first level support.
Product: Debt collection

This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX  '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.
Product: Checking or savings account

My M & T bank account app on my phone has been blocked for a month and Ive been trying to call them and even went in person a couple of times to try to get my account unblocked to see how much money I had on there and someone has been taken money out of my account and it wasnt me. I was too scared to spend any money because I didnt want to go over and I havent been able to get into my accounts but instead of helping me get back into my account and giving me money back they decided to cancel my whole entire bank account. They took my whole paycheck that was {$980.00} and I have rent to pay on the XXXX and I really need that money back.
Product: Checking or savings account

On XX/XX/2022 i was at work and i received a notification from CHIME bank about a {$1000.00} contest they were having called " CHIMEMONEYGOALS '' I made whatever I have to do to participate. Minutes after at XXXXXXXX XXXX I received an email from Chime saying that my phone number was changed and an other email saying that my phone number was changed at XXXX XXXX. As soon as, I realized about the first email a minutes after ( XXXX XXXX ) I called Chime. I talked to the representative for 24 minutes she told me that " my account was secured and deactivated, nobody can have access to it, I asked her about the amount of money that I had and she told me the correct amount of money ( {$1600.00} ) on my account. I went back yo work and hour after when I checked my account it was only {$100.00} on my account. I called Chime and explained the situation that happened and they told me to submit all the pertinent proof that I have to open an investigation about the situation. I sent everything all the proof I have and they told me that in 10 days they were going to answer me the second day I called to know about the status of the dispute and they told me that I authorize the transaction that was why the dispute was denied. I arguing and arguing with them because they told me, I authorize the transactions. After the discussion by phone they told me that send more information to reopen the dispute. I sent the emails that they sent me from Chime changing my email and my phone number, the phone call from my call list showing them that I called a minute after the first email, a picture of the time I clocked in and out from work that day. After I sent everything, they told me that they were going to come out with an answer in 45 days and if they did not solve the situation in 12 business days I was going to get refund. I called after 12 business days and they told me that they had a final result that I authorize the transactions and they were not going to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

this reporting agency refuse to send validating paperwork on on how they verified the account. XXXX XXXX account # XXXX. have not received proper documentation on properly validation the accont is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. Transunion and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX/XXXX Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX Amount {$890.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX Amount {$0.00} XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  Account # XXXX Amount {$110.00} XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Money transfer, virtual currency, or money service

Coinbase ( www.coinbase.com ) is an online platform through which cryptocurrencies can be purchased / sold. 
While being already logged in into my account and verified successfully my identity through an App ( XXXX Authenticator ) it asks me for another verification. When I try to do this I get to a page where nothing happens and I am unable to get the finish line. 
As such, I am not able to sell and transfer the USD of my account. 
I tried to call their XXXX but with no sucess for a long period of time ( " all out operators are busy ... '' ). 
Unacceptable service. 
Regards XXXX