23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a phone call from a company claiming to be XXXX. I was advised that someone had tried to hack into my XXXX computer and that I needed to update my XXXX contract. I was told it would be {$200.00} and that I would get a discount with a Citi credit card ( Citi may be in on this ). I received an email indicating that I had been in contact with XXXX. I gave XXXX my CitiCostco credit card number for one transaction. The next day, I realized this was a fraud and I called Citi. I was advised that only one transaction had gone through although several other had been attempted but not authorized. My card was terminated that same, next day, and a new card was issued. I later got a statement saying I owed approximately {$700.00} for charges including three additional charges for the day I called to report the fraud. I called Citi and was told I did not have to pay the fraudulent charges. I later got a letter from Citi ( no appeal process ) stating I " participated '' in the scam so therefore I am liable. I wrote Citi on XX/XX/2019 in a certified letter stating the situation. I never received a certification proof but the post office advised me that Citi received my letter. After hours of calling Citi, I was advised that an investigator had been trying to call me and that I still owed the {$700.00}. I have not heard at all from Citi except when I have called and spent hours on the phone. They continue to bill me and even sent me another credit card!! 

These are fraudulent charges in which absolutely no service or consideration was provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a brinks XXXXXXXX account card and paperwork in the mail. Completely unsolicited I was given a routing number and account number and a debit card and I did not ask for!! If this wouldve gone into anyone elses hands, they couldve opened it and opened an account under my name. I will be calling!!
Product: Debt collection

I am requesting the method of verification under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). My rights have been violated under 15 USC 1681 & Law FCRA section 605B & 605E. No signature for debt. No vehicle connected to debt. Debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XXXX XXXXXXXX XX/XX/22 All above should be removed
Product: Debt collection

Bank of America is trying to collect a credit card debt from a family member who does not reside in my home. I do not have a joint account with this family member and my contact information is not on their account. This family member has never lived in my home. The phone number they are calling ( work cell phone, ) is not known to my family member. It is noted that this family member is a beneficiary on my accounts However, this phone number IS listed on MY account that I have independently with BOA. I called them back and complained that they are using their internal accounts to find family members and she said " probably. '' I want to know where in their terms and conditions that I am subjected to collection calls for family members for debts that I do not owe? I have saved the voice mails to support this complaint. 

Additionally, is this not a violation of my family member 's privacy for you to call people outside of their residence to discuss a " personal business matter. ''
Product: Credit card

XX/XX/XXXX, I signed up for a Chase business account in person with a bank representative, XXXX XXXX  This included a checking account, savings account, and chase Ink preferred credit card to help with purchases. I engaged in multiple conversations to affirm the requirements needed to qualify to the bonus and knew it to be XXXX XXXX  spend in the first 3 months as is listed on their website. 

There are multiple cards available which all offer sign on bonus, contingent on spend amounts. The Ink preferred seemed the best fit and within my reach of predicted spend so I decided on this. 

After completing the spend over the XXXX within 3 months ( XXXX XXXX XXXX XXXX I anticipated receiving my bonus points in the following statement period. I understood it usually takes an extra month to receive this so I didn't think anything of it that it hadn't appeared in XXXX, but became concerned in XXXX when I still had not received my XXXX bonus points from reaching my spend. 

I have since had 3 separate calls and meetings with XXXX to investigate including opening a case with Chase credit cards. They claimed to have sent a letter in the mail with a decision. I had not received a letter for 2 weeks and followed up with XXXX to better understand what the outcome would be. He refused to engage with me in any meaningful conversation to explain, rather deferred to calling Chase customer service and waiting on the phone with me during business hours for extended periods of time ( 30+ plus ). Once we got a hold of a customer service rep, she vaguely claimed denial with no further explanation referring to timing of the bonus spend not applying during the time I signed up. I asked for writing/further proof and explanation of this and was met with silence and we can't help you any more. I'm at a loss of explanation because I've always had such a good experience with Chase across the 6 years of business I have done with personal banking/credit cards. 
This was the first time where they didn't honor or provide exceptional customer service. I feel completely gaslit and have yet to be shown proof or fair explanation for what I was told originally when signing up for credit card and what I have not received so far.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - XXXX AND EXPERIAN COLLECTION AGENCY - XXXX XXXX XXXX XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
Product: Credit reporting or other personal consumer reports

This is complaint is to remove this account listed below which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XX/XX/XXXXXX/XX/XXXXOriginal Creditor : XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent in copies of my ID, SS, and bank statements and Equifax is violating my consumer rights under 15 USC 1681e ( b ) Compliance and Procedures ( b ) Accuracy of report
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Product: Debt collection

they not trying to dispute them. and its with more than one companys
Product: Checking or savings account

As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX  ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.
Product: Vehicle loan or lease

It was late at night they told me the bank was closed, but sign the documents, which included items I absolutely stated several times I did not want to purchase they said don't worry they will not be on the paperwork for your bank, they said I would be contacted on Monday, Monday came I contacted my bank they never heard from them, I called the dealership they said my bank said it was to much, first they never contacted them they went ahead a got a loan through their own lender at 9.99 %, with the extra $ XXXX of stuff I refused at 62 months, when I told them my interest rate was 6.91 % and it was for 48 months, when I asked them to correct it they all they could tell me was to have my bank refinance the loan and refused to do anything else. They lied and never even contacted my lender
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/-XX/XX/I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. Bridgecrest claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.
Product: Credit card

On XX/XX/XXXX at XXXX pm, while on vacation in XXXX XXXX in the XXXX XXXX, I received a text message from XXXX Bank stating that a purchase in the amount of {$2400.00} at XXXX XXXX had been declined pending verification. I immediately called the bank and reported the transaction as fraudulent. They cancelled my card and I destroyed the card. I then checked the other XXXX credit cards that I had with me and found that both had similar charges posted to them for the same merchant. ( XXXX XXXX Bank ( XXXX Card ) in the amount of {$1400.00} and Barclay 's Bank ( XXXX Rewards card ) in the amount of {$2600.00}. I immediately contacted each bank and reported the transactions as fraudulent and was told by both of them to destroy the cards. Several weeks later, I received notification from XXXX XXXX that the transaction had been reposted because it was a " chip '' transaction. I called and disputed the transaction again and received notification that the transaction was indeed fraudulent and the transaction was reversed on XX/XX/XXXX. On XX/XX/XXXX, I received notification that the minimum payment was due on my XXXX 's account. The amount was quite a bit larger than the normal minimum payment and when I checked my account found that they had reposted the {$2600.00} charge on XX/XX/XXXX. I called to dispute the charge again. They said that it was determined that this was not a fraudulent charge because the chip card was used and I said that the card had not left my possession. When I researched the merchant, they are located in XXXX XXXX which is hours away from XXXX XXXX and we never left the resort. Barclays said I needed to submit a written request. A letter including back up documentation from all the banks involved was sent via certified mail on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from Barclay 's Bank that the paperwork had been received and they were reaching back out to the investigations team. On XX/XX/XXXX I received a call saying there was no fraud. I again disputed the charge and was told they would resubmit to investigations. On XX/XX/XXXX they called again and denied the fraud and said they would not investigate any further. At no time did I initiate any of these transactions, nor did I receive any services for this charge.
Product: Mortgage

In XX/XX/XXXX I used PRMG Loan Officer NMLS XXXX, XXXX XXXX to assist in closing on my home. I advise Ms. XXXX that I would NOT be able to afford a home with a monthly mortgage of over {$1000.00}. Based on this Ms. XXXX advised me of many things I could do to avoid a higher monthly mortgage. I paid my Escrow and taxes upfront to avoid this. Based on the number Ms. XXXX advised this would save me at least 350 per month with my monthly payment being {$800.00}. All money was paid before closing. When I received my first monthly statement due in XXXX due XX/XX/XXXX, it had a statement of XXXX a month for payments. I immediately contacted Ms. XXXX for clarification. She advised this was an error maybe due to my account being transferred to XXXX XXXX. I was asked to contact an associate at XXXX XXXX to have it corrected. A copy of my paid receipt was also sent to the mortgage company. As a result I was advised that I was still responsible for taxes and escrow monthly regardless of if it was paid in advance. The money collected would be used for next years taxes and escrow. I again contacted Ms. XXXX who apologized via email and took responsibility for the error. She said that she would have the problem corrected. This was 15 days before my 1st payment was due. 2 weeks later I emailed Ms. XXXX again for an update and in this email she stated that she provided me with incorrect information and due to her error she would pay the XXXX extra from her own pocket. After several emails, text, calls and help from my Agent XXXX XXXX Ms. XXXX has failed to respond. Ms. XXXX deceived and scammed me providing me with incorrect information which resulted in me signing to a loan I can not afford. This was intentional as Ms. XXXX and Ms. XXXX were aware I could not commit to signing with to a loan with mortgage over {$1000.00}.
Product: Debt collection

I have been disputing 2 fraudulent medical accounts with Account Resolutions in the amount of {$380.00} and {$370.00} my credit report since XXXXXXXX XXXX XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Account Resolutions and the XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting validation/verification of alleged debt. I never received any proof of debt, no validation/verification of alleged debt from Account Resolutions nor XXXX XXXX XXXX Meanwhile XXXX and XXXX have since deleted the two Account Resolutions fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
My credit worthiness was impacted when I was applying and being denied for credit or could not afford the item because the interest rate was too high and false.THESE accounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report today regarding this matter. Look forward to hearing from them. 
Account Resolutions has no problem violating my livelyhood and privacy reporting false negative items because they are making money off of these fraudulent accounts, they are BIG crooks. 

I demand that these fraudulent accounts be deleted from my credit report immediately.
Product: Debt collection

Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from TEXAS XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!
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.