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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/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  I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I had my car broken into. Wallet and phone was stolen. I was stranded and team of con men went to work. Drained the accounts of all the cards in my wallet. Credit card fraud claim was process and everything was fixed. Debit card fraud claim of {$2600.00} has been denied multiple times and Ive probably spent 25 man hours trying to get it resolved. Bank of America call center and no dedicated support is a complete nightmare. No access to fraud investigation team. Ive reopened new accounts at the same bank and have repeated my story about 50 times after submitting a police report and taking all necessary steps. Not sure why this is such a big deal when all 4 of my accounts ( credit card, savings, debit and business debit from another bank ) at the same bank were fraudulently used with identity theft within 3 hours of each other. Bank of America is not treating a 15 year customer how they should be treated.
Product: Credit card or prepaid card

I was in an XXXX Retail store on XX/XX/XXXX and during checkout I was told I could apply for an instore credit card and receive 20 % off my first purchase. I was not immediately approved and was told it had to go to secondary review. Roughly a month later, I received my card in the mail with promotional material advising that I would get 20 % off my first purchase. I made my first purchase on XX/XX/XXXX. During checkout, I said this is my first purchase, please make sure I get my 20 % discount. The store clerk advised they could not apply that discount for me and that I would need to call customer service for a code. I called customer service and was advised to go ahead and make the purchase and it would automatically be credited on my statement. I proceeded with the {$960.00} transaction. Then, I never received my first statement. I started receiving text messages and phone calls. I called right away and questioned my discount and now the assessment of late fees and finance charges. The phone representative said I needed to use a code in the store in order to get the 20 % off and that I should have received it by mail ... I paid my purchase balance in full and I was under the impression they removed the fees. This was not the case. Only a partial credit was provided and now there is an additional late fee and finance charge on my account. They have refused to remove the fees and have only issued a dispute on my initial purchase as of today, XX/XX/XXXX to get my 20 % off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

XXXX XXXX Bank ( account # XXXX ) and TD Bank USA/Target ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud on My American Express Card ending in XXXX. American Express confirmed that I would not be responsible for the fraudulent activity in writing. American Express proceeded to place a collection on my credit report for the outstanding fraudulent charges. I can provide verification in writing from American Express that I would not be responsible for the fraudulent charges.
Product: Credit reporting

I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).
Product: Debt collection

SRS called saying I allegedly owe a debt and it was placed with them by a client of theirs. 2 of their debt collectors hung up the phone on me while I was talking ( which was very rude and unfair ). The 3rd guy, XXXX whom Id spoken with, I asked him to transfer me over to his manager or Supervisor and the phone went silent for a few minutes, he didnt try to transfer me over but as soon as I said they are being recorded as well, I heard him immediately say hold on while I transfer you and a few seconds later the manager came on. They want to talk but when I start talking about their unfair practices, they hang up the phone as I continue to talk. As I talked with the manager, he was very rude, unfair, and the conduct was very much abusive with repeated infliction of verbal abuse, such as the use of derogatory remarks and insults, saying I need to stay off XXXX and XXXX from watching credit gurus. I felt very much insulted, belittled and they insulted my intelligence. I know the laws and I research FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ) all the time. I told the manager I do not watch XXXX  and he insisted on trying to tell me that I do and that I watch XXXX and that I need to stop listening to it. Why is it that when a consumer who knows the laws, they talk to you as if you are uneducated and they are the only ones who know the laws? They were intimidating and deliberately tried to undermine my work and reputation and I honestly feel SRS was out to oppress me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX, XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.
Product: Debt collection

I have been contacting Midland Credit management since XXXX trying to pay this debt. I have called them at various times of the day. Each time I have called, I'm told that I need to speak to a different department that is never there. They have sent a notification through XXXX and I have called only to get the same thing. This department is never there. The notification shows the times of operation XXXX to midnight and Sundays XXXX to XXXX. Midland Credit Management should be held responsible and pay fines. I have been calling them since XXXX. I have paid on the website only for it to be reversed. I have set up payment plans, only for them reversing the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX : XXXXXXXX XXXX in Fact UCC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXXXXXX XXXX ( XXXX  XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiCard on XX/XX/2023, reported to all three agencies that an account had a balance and was delinquent. That card was settled with a debt consolidation company a year ago. CitiCard just reported this false information this month. I have reached out to CitiCard, the three credit reporting companies and XXXX XXXX. CitiCard said the balance was XXXX and sent me a letter. The three credit reporting companies and XXXX XXXX said the information was correct and would not change it.
Product: Checking or savings account

I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.
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. 

XXXX XXXX XXXX XXXXXXXX, XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

I filed for credit with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. when they attempt to check my credit, it is blocked by the credit bureau. it is not a lock, block, or freeze that I put on. In other words, the three ( 3 ) credit bureaus XXXX XXXX and Transunion have my credit blocked from creditors to obtain a credit pull. They won't allow them to see it, they won't allow them to get it. So, no creditor can get my score for a loan, or whatever. It is not blocked for me, I can log in with a username and password, and I can view my credit report online. However, creditors can not access the report. In Addition, all three credit bureaus have mailed me a copy of my credit report. I contacted all three credit bureaus, and I was told that I needed to send a back and front copy of my driver 's license and social security card for them to know who I was. This did not start until sometime between sometime on XX/XX/XXXX through XX/XX/XXXX of XXXX when I paid off a car loan to XXXX XXXX XXXX XXXX XX/XX/year>. Before, paid off my car, no creditors had any issues accessing my credit file with the three credit bureaus. there was no lock on it from the three credit bureaus. This complaint is one for XXXX one for XXXX and one for Transunion. All three are the same thing. In Addition. They are asking me to send a copy of my driver 's license and social card back and front. my identity was stolen years ago, and they took me through XXXX XXXXXXXX, and it took years to get it corrected. My information is correct, I don't understand if you don't know who I am why would you mail me a copy of my report. This is a scam the three credit bureaus are doing to me Because I have paid off my credit and my score went up high. My score last time I checked was XXXX when my score should be higher. I know it is the credit bureaus to keep my information safe, but not at my expense. I do not have a home. I need creditors to be able to access my file. I'm not sure who they think they are. whoever monitors them needs to do their job. I will never send a copy of my identity documents, again my identity has been stolen and they took me through XXXX. I want CFPB to contact all the credit bureaus and tell them to undo whatever they did. ASAP. The lady at the bank sent me an email saying, " Here 's the message on XXXX and XXXX. " Information from your inquiry has been identified as potentially fraudulent or misused, therefore, the credit report is not available for delivery>>> with information from additional data sources returned ( J ). '' From Transunion, " Requested information can not be scored or returned because data is suppressed or can not be evaluated. ''
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXX, at XXXX, I initiated a transfer of {$55.00} in XXXX XXXX XXXX XXXX ) to a different wallet using the XXXX app on my phone. I paid an extra fee to have the transfer delivered instantly, rather than waiting about 24 hours like they advertise. 3 hours and 20 minutes later, the transfer still has a pending status on XXXX, while searching the transaction ID ( XXXX ) on the XXXX website shows as transaction not found. I contacted support and they said to wait, and that they couldnt refund my fee. I paid a fee for it to be instantly delivered, and 3 hours later it still has not been delivered. Not only are they refusing to refund me my fee, but now Im starting to think that my XXXX has been lost and not going to be delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX Equifax and XXXX  The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX Equifax and XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX  Equifax and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXX  Equifax and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.
Product: Credit card

there are 3 unapplied payments to the account. These missing payments increased the account balance to over the credit limit, requiring a higher minimum payment, late fees and interest charges.
Product: Mortgage

MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone.

Thier actions are illegal.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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