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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I placed a transaction with my XXXX XXXX XXXX  on XX/XX/2023 for the amount of {$4000.00}. I received an empty box with the merchant and tried to resolve it with the merchant. I also filed a police report regarding only receiving an empty box for my order. I proceeded to dispute the transaction with American Express. Initially, American Express closed the dispute in my favor after about one month. However, the merchant submitted tracking saying it was delivered and the bank re-opened the dispute and sided with the merchant. I don't understand how proof of delivery was enough to overturn the decision in the merchant 's favor when I was disputing that I received an empty box, not that I never received it. I submitted the empty box I received, a signed letter stating I received an empty box, and if needed, I can also submit the police report stating that I received an empty box from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : 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. 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.

The following below is all inaccurate information on my credit report under the Account Name XXXX.

The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment.

I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Product: Debt collection

This company, Synchrony Bank, continues to call me and send me voicemail messages XXXX times a day. I reported them before and they will not STOP.
Product: Debt collection

I traveled to XXXX XXXX XXXX and was persuaded into attending a timeshare presentation for XXXX XXXX. Unfortunately, I made the mistake of signing up for the membership. After a day or 2 I realized the company was scamming tourists out of their money and not providing the type of service advertised during the presentation. I notified them verbally and in writing on multiple occasions ( within the 5 days legally given to cancel ) that I wanted to cancel the membership. Despite confirming the account was closed because our credit card transactions were reversed/disputed, I still received notification that the account had been sent to Concord  Servicing Corporation in XXXX Arizona for servicing. I verbally confirmed with XXXX XXXX that the account was closed but Concord continues to say the account shows it is active and suggests that I call XXXX XXXX for this issue. When calling XXXX XXXX you end up in a Rabbit hole trying to speak to anyone which I believe is all part of the scam. People answer the phone and immediately hang up, phone calls go unanswered, voicemails go unreturned, etc. I continue to receive debt collection mail from Concord threatening to damage my credit if I do not pay them.
Product: Debt collection

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit card or prepaid card

I closed my XXXX XXXX with 1st National Bank of Omaha XX/XX/XXXX. 
XXXX XXXX mag made a subscription renewal XX/XX/XXXX. The Bank reopened the account. I called the mag to reverse the charge. They could not refund to the credit card as the account was closed. They sent a check to me. However, this took a billing cycle and I thought the charges would be reversed and I did not pay the bill. 
Other banks decline auto renewals and I get an email requesting I update my billing info. 
This cant happen. How am I supposed to monitor every credit card I have cancelled to make sure they dont reopen them? 
I have wasted hours calling the bank, put on hold, no real resolution. 

I closed the account. They opened it. They are now charging me interest on an item I did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked Transunion to remove this item.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I created a Venmo business profile, after Venmo advertised that I could sign up for a business profile and make and send business payment for 30 days with " zero fees ''. I am a California-licensed certified public accountant ( CPA ), and my business is bookkeeping and preparing tax returns. 

On XX/XX/2021, a business client ( also based in California ) sent a payment of {$1200.00} USD to my Venmo business profile for bookkeeping services. I have not performed any other activity on my Venmo account. 

On XX/XX/2021 I received an email from Venmo stating : " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' The money my client paid me is trapped in limbo. I can not transfer it to my bank account and I can not return the money to the client. I also can not perform any other activity. 

As instructed in the email, I replied to contact Venmo. However the only response from Venmo was an automated email with links to forums that was of no help. 

I then resorted to the app and found an option to chat with support. After getting the run-around from chat bots for 20 minutes, I was able to connect to a, supposedly, real person, who promptly stated they could not assist and transferred my chat. 10-20 minutes later, I was connected to another supposed human, who also stated that they could not help me or provide any additional information. They informed me that the team that can help will contact me via email within 48 hours. There is no phone number or email address to contact this " team '' - I have to wait and watch for them to initiate contact. 

Today is XX/XX/2021. After 3 weeks, my money is still trapped in limbo. I can not return the money, I can not use the money, and I can not get a straight answer. I would warn anyone to avoid using Venmo because they can, for opaque reasons, cut you off and do real harm to a business that relies on them for their livelihood. Additionally, the advertisement for zero fees is practically a false advertising scam, because the first time I tried to transact my legitimate business with them, it locked my account and by the time it ( hopefully ever ) gets resolved, the 30nday XXXX  fees window will be long gone.
Product: Prepaid card

I never received XXXX stimulus refund. I then called to receive a new card and found out the card was empty since someone had used all the funds. I filed a dispute last year ( XXXX ) around XXXX. It's been over a year and my dispute hasn't been settled and Everytime I call they give me a different answer on what's happening with my case.
Product: Checking or savings account

Chime which is a branch off of XXXX, closed my account which had a little over XXXX dollars in it and told me that they would send me a check in 30 days. That was late XXXX when my account was closed. As of XX/XX/2023 I have yet to receive my funds from them. Ive reached out to customer service numerous times and have gotten the run around as to why I havent received my funds. Yesterday as of XX/XX/2023 they told me for some reason my account wouldnt be eligible for a refund of my legitimate tax return. They arent trying to pay me back my money and thats not right. Ive provided them with all necessary documentation to prove my case and to verify the legitimacy of the funds. This has been a stressful process Im in the midst of losing my home because of this scenario and it feels like they are trying to steal from me.
Product: Checking or savings account

I opened an Ace Flare on XX/XX/XXXX through the following link : XXXX XXXX XXXX This bonus offer required opening the account by XX/XX/XXXX ; setting up and receiving within 90 days of account opening, direct deposits totaling at least $ XXXX and maintaining these direct deposits for 3 consecutive months ; and completing 5 purchase transactions per month for 3 consecutive months. I should then receive {$100.00} within 10 business days of completing the activities. My account history is : XX/XX/XXXX : Opened XX/XX/XXXX : ( XXXX ) card transactions XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$500.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$500.00} direct deposit from my work I should have received the {$100.00} bonus XXXX business days after XX/XX/XXXX, which would be XX/XX/XXXX. I did not receive the bonus and instead have had to keep my account open, which resulted in another {$5.00} fee for my account. In addition, Ace Flare did not refund the first monthly fee of {$9.00} despite me not being able to get a direct deposit in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any Macy 's account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and Macys, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off FORTIVA XXXX XXXX XXXX XXXX I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Credit reporting, credit repair services, 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 governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report That is incorrect and fruad ... XXXX XXXX XXXX  which I have paid off and that account fruad and need it deleted from profile have provided documentation ... XXXX  XXXX is fruad .. I have police report and have resolved complaint with company and its still reporting .. provided documentation ... I have inquiries that I did not consent to and will like them deleted from my report, I have disputed these accounts before and there coming back verified .. I need copys of validation with my signature or copy of verified documents With my signature or proving these accounts or inquiries are mine in writing or they need to be removed due to fruad
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I have received text messages from this company with no description of the supposed debt. There is a line at the bottom of the text that says " reply STOP to stop texts '' I have done this twice and am not unsubscribed. I do not believe this is a real debt collection attempt. A real debt company would send a letter in writing with the ORIGINAL creditor to the address they have on file. I will not respond to this supposed debt collector until I receive a letter explaining the supposed debt and where it came from. Stop calling and texting me.
Product: Checking or savings account

Capital One mislead me about the 360 savings account. Capital One signed me up in a 360 savings account many years ago that gave poor interest for several years, even as rates rose nationally. At the same time, Capital One had created the 360 Performance Savings, which saw a much higher rate. But they did not notify me about this new offering and instead worked to keep this information from me. The bank marketed the products similarly to pretend there was no difference and gave me a poor rate of return on purpose. Capital One avoided paying me in interest by not switching me over, even though I was a loyal customer. I was deliberately given false information about the 360 savings and was not earning the highest rate of return because of Capital One. This is very unfair to me and I would like to join in on the lawsuit that CFPB has against Capital One for this reason only.
Product: Checking or savings account

I have had an ongoing issue with Chime Bank for upwards of a year. Originally, they froze my account on claims of " fraud '' and once I sent over my documents ( ID, direct deposit information, etc ) my account was restored and I assumed that was the end of it- but I was very mistaken. My account was closed and made inaccessible soon after with a balance of {$15000.00} that I to this day do not have access to. I've called numerous times and have been given the run around/countless excuses as to where or why my refund has not come yet. This has been a complete nightmare for me as that money was the entirety of my savings and I have been through a global pandemic having to scrape by borrowing money from friends and family. Had I known then what I know now what an unreliable bank it was I would have never opened an account.
Product: Mortgage

I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.