23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance.
Product: Debt collection

Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX  and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiry : XXXX/XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the CONTRACT CALLERS INC account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX XXXX.
Product: Bank account or service

The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.
Product: Debt collection

XX/XX/2020 Amerassist AR Solutions is claiming that I'm in debt to them in the amount of {$1500.00}. 
They have placed this debt collection on my credit report without my written permission. I have never done business nor have I agreed to any pay for services with this company. 
The account number they have listed is XXXX According to the FCRA Amerassist AR Solutions has violated my rights according to the laws stated below. 

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

purchased tickets from individual through XXXX  for a sporting event. contacted individual through text message which I have everything saved including screenshot of XXXX post. used XXXX from my bank of America app to send {$120.00} to individual. after sending money I never heard anything back from individual and never received my tickets. I contacted bank of America and they could not do anything but submit a ticket and stated there was not much that could be done. i had alot of questions but they were not answered by bank of America. I trusted that if i was sending money through XXXX  which is on my bank of America app i would be protected from something like this happening but as i already see there is not much help for me at all. I also made a police report for the incident.

bank of America case # XXXX police report reference # XXXX
Product: Debt collection

XXXX XXXX bought old debt from Navy Federal and it was for a credit card that XXXX XXXX allegedly borrowed and owed. In my validation of debt letter i didnt deny i owed, im just asking for clarification and specific accounting records which ill attach that letter to this complaint. This being reporting on my credit for so many years have hurt my chances of approvals from lenders/creditors and is capping my journey towards financial freedom through Discrimination and False Reporting.
Product: Credit card

As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in regards to equifax and their inability to resolve my complaints about this account listed on my credit report as acctXXXX. My original complaint dates back to XXXX I request in validation of this account from all three bureaus. XXXX  along with XXXX  deleted this account upon completing their investigation ( proof is attached that reflects deletions ) but equifax hasnt removed the account they verified it as accurate. I was under the impression each agency reports the same information with accuracy. This is a violation to my consumer rights to neglect performing a thoro investigation. Certified mail is very expensive and covid has caused me hardships to the point I could barely afford it please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting XXXX be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : 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. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.
Product: Checking or savings account

XX/XX/2024 XXXX XXXX XXXX. 
{$660.00} Filed dispute health insurance covered charge. Dispute was denied immediately with out letting me send documents to show health insurance coverage the payment
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ 2020, Citibank posted a fee to my account for {$34.00} because they could not process a payment to a vendor due to insufficient funds. The vendor have stated they were not supposed to process the payment due to govt new law for student loan. Instead, Citibank, who did not even pay-out the fund has refused to refund the fee. 
I have called multiple time to CitiBank about this, after holding for over 2 hours the rep will tell me their " automatic '' system is not allowing them to refund the fee to me. It is illegal and unethical that banks like CitiBank are charging fees and monthly maintenance fees during an economic crisis.
Product: Credit reporting

XXXX XXXX AKA XXXX XXXX is reporting to my credit report they are doing so against the Hippa Laws and against the privacy act they reported his account when it had a XXXX balance every time this account is seen on my credit file they are in non compliance with Hippa and the privacy act My medical bills are part of my medical record I did not waive my hippa rights 1. if I waived my hippa rights please show me 2. I want a full contract 3. full payment history of account.
Product: Mortgage

On XX/XX/2020, I paid Dovenmuehle Mortgage by automatic payment my monthly mortgage of {$1600.00}. The paymnet cleared my account on XX/XX/2020. After payment was sent, I received notice of a serving transfer. As of XX/XX/2020, I called the new servicer and no payment was forwarded from Dovenmuehle Mortgage to the new servicer. I called Dovenmuehle Mortgage and was not able to talk to anyone about this. I emailed Dovenmuehle Mortgage and no resposne was received. As of XX/XX/2020, Dovenmuehle Mortgage has not applied my mortgage paymnet, has not refunded it, and has not forwarded it to the new servicer. In short, they stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXXXXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any in formation relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for two weeks to get my credit freeze thawed so I can complete a mortgage loan I am working on. I did n't have my security pin so I called Transunion to find out what I needed to do. I was transferred to XXXX where I was told that they would mail me a new pin in XXXX days. I never received the pin, I called back and they said they would mail me another one. I needed the credit freeze thawed so I insisted that I need it done now. I was told they are n't allowed to do that. I asked to talk to a supervisor and I was given the same story. I asked to speak to the supervisor 's boss and I was told I would have be transferred to XXXX. I was transferred and the lady I spoke with said if I sent a fax and a copy of my drivers license that they would thaw my credit. I tried for two days 100 's of times and the fax number is always busy. I called back to the number in XXXX and I was told that they get so many faxes to the number that it is always busy, but to keep trying. It is crazy that a company as big as Transunion ca n't handle a simple credit freeze removal. Only one fax number for 1000 's of customers is definitely customer no service.
Product: Debt collection

QUALITY ASSET RECOVERY XXXX : When me my wife were relocating to Florida, we informed our landlord XXXX XXXX as we did not stay in the apartment for the final month of lease to keep our deposit as final rent and they agreed. Unfortunately, the leasing company still sent us to collections. We did not receive anything in the mail or receive any correspondence regarding anything. We moved to Florida to be closer to my XXXX XXXX and we had no choice but to move. We thought all our bills were handled and closed the door to Jersey. They did not keep to their word and did not kept the deposit without any issue.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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 or other personal consumer reports

XXXX XXXX is reporting an inaccurate Bankruptcy account on my credit report. ( Account # XXXX ) I would like LexisNexis to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.