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

Because I was late once Citibank feels that it has the right to call me everyday at work and at home at least three times a day. This is annoying since I had already pay what was owe for that month. I research this on the Internet and found this is a common practice with Citibank. I will never get another card from them when I pay them off. Isn't it illegal for them to do this if you are not past due? I always resent that they have posted a big past due on my account when I am currently not. What gives Citibank the right to torture people like this! I don't feel that I should have to pay a lawyer to get Citibank off my back!
Product: Credit reporting or other personal consumer reports

Car was turned over to XXXX XXXX on XX/XX/XXXX. XXXX immediately sold the vehicle but did not provide updates on balance and status. After reaching out to the company several times, I was finally given information with updated balance in XX/XX/XXXX, and told that it would be updated with the credit reporting companies within 30 days. Since then, I have been given a difficult time by this company, and they keep saying they will update the balance information with credit reporting agencies but have not. I have last spoken with XXXX on XX/XX/XXXX, and the issue is still not addressed. I have a letter from XXXX stating the updated balance.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX  filed bankruptcy, my solar failed XX/XX/2023. Reached out to XXXX XXXX, rep advised this was a one time warranty fix and after that we would pay for additional repairs out of pocket. Also, they advised payments would stop until solar panel were operational, however interest on the loan would continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Lift submitted an order for collections for XXXX when I had paid them directly XXXX. They have not applied any of the balance to my account and that XXXX is not accurately accounted for. Their collection agency had a garnishment order go through for XXXX. The promissory note including interest was for XXXX.
Product: Debt collection

I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm
Product: Credit reporting, credit repair services, or other personal consumer reports

You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX and XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.
Product: Credit reporting or other personal consumer reports

my information was exposed in data breach fraudulent accounts/activity were open, this company did not investigate the problem instead they are reporting fraudulent inaccurate information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also documents so i may review to see if these accounts actually an account that belongs to me and if they cant provide ny information i need the following accounts removed immediately off my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all negative items thats over 180 days. Per THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts in my credit that are not mine. I filed an identity theft claim attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes 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 per the consumer to whom it relates : XXXX  ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX  never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Product: Credit reporting or other personal consumer reports

Equifax has been caught manipulating data instead of investigating disputes. Attached you well see data points that have been moved around at the request of the company rather than investigated and removed. This has been an ongoing issues with this Equifax specialist as they are changing data instead of deleting files as required by FCRA. This Specialist has been updating and manipulating data within my file for almost a year now even while my request have specifically said delete. Furthermore more this specialist should be looked at for fraud and negligence due to aiding credit companies to run disputes in there favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}
Product: Bank account or service

A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( XXXX U.S.C. XXXX ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX XXXX XXXX - {$410.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress.

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Money transfers

I made an online purchase using my very infrequently used PayPal account. I thought that the charge would immediately come out of my bank account. Instead, PayPal defaulted the amount to their Bill Me Later credit that they extended to me. Looking back at the e-mail account I use for services like PayPal and online retailers, I see they messaged me on XXXX XXXX before they charged me interest and a late fee, but did not message me again when they actually did charge me. I did not receive a message about a statement or the charges until XXXX XXXX when they called me with a pre-recorded message which was after they issued the charges. I have begrudgingly paid the fees since they only amounted to just over XXXX dollars, but the fact that PayPal automatically put the money onto the credit line, without any clear indication that it was doing so is frustrating to say the least.
Product: Bank account or service

I disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.
Product: Credit card

On XX/XX/XXXX, I was fraudulently charged close to XXXX XXXX  on my account that came out of nowhere and absolutely were not made by me. 

Half of this was resolved, but a remainder of {$1500.00} was denied and applied back to my account. 

I have called multiple times, started support requests, and mailed the company with no response including an ID Theft report detailing the incident from the FTC. 

I have found similar situations all over then internet of others having the same issues. I need this fraudulent charge removed from my account and not to be held responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXXXXXX Account from Credit Report Dear EQUIFAX, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX  XXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXXXXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information XXXX. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report 3. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX  XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXXXXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX  XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EQUIFAX to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX  XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo 's refusal to reverse fraudulent wire transfer in the amount of {$19000.00}. They acknowleded the fraud by reversing XXXX other transfers from credit card, savings account, and 1 wire transfer. They are refusing to reverse the {$19000.00} and have been denied 3 times so far so far by thier fraud department. Please see all the info on attached docs.
Product: Debt collection

Applied for a cell phone service but my credit got me denied but the representative issued me a device for internet but I pacifically made it clear that I already had internet service through another company but he proceeded to continue saying to try it out and that it will not go on my credit. I never used the services with them ( XXXXXXXX ). So Im not understanding why I owe them any money for something I didnt agree to
Product: Debt collection

They call me ( rarely ) but when they do, I tell them to stop calling, but they keep calling. They called me this evening ( around XXXX XXXX  ) and I told them again to stop calling. They hung up on me. What do they not understand? Doesn't help blocking them as they use a different number every time they call!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.
Product: Checking or savings account

On XX/XX/24 my car was broken into my phone, wallet ( ID, debit/credit card ) was stolen. {$1500.00} was fraudulently spent on my Chase debit card at a XXXX XXXX in XXXX, CA. {$360.00} was also spent at XXXXXXXX XXXX store, and {$25.00} at XXXX XXXX I contacted my bank Chase that same day to file a claim on the charges and to cancel the card. The fraud claim I made for {$1500.00} was immediately denied, but other 2 charges were credited after I further complained to Chase. Chase is denying my fraud claim charge of {$1500.00} with no valid explanation and credit. Also notedI filed a police report about my stolen property issue. Chase bank was careless and expressed no concern to resolve my loss. This is total bogus behavior and very unprofessional. It makes me want to no longer bank with the company.
Product: Credit reporting or other personal consumer reports

Im still waiting for a response from the company since XXXX.
Product: Mortgage

After requesting the bank accommodate my XXXX for a home mortgage the bank then reufsed to serve me. Earlier they had told me they they did not have to serve the XXXX for 30 days. Cant get mortgage cant do banking, fearing retaliation for making the discrimination complaints.
Product: Debt collection

I am writing to formally dispute multiple hard inquiries that appear on my credit report. Upon reviewing my credit report, I noticed the following unauthorized inquiries : XXXX. **American Express** XXXX Date : XX/XX/XXXX Account XXXX : XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Account Number : [ Account Number Here ] * I do not recognize these inquiries and believe them to be unauthorized, as I did not authorize any credit transactions with American Express, XXXX XXXX  XXXX or XXXX XXXX. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I am entitled to dispute information that I believe is inaccurate or incomplete on my credit report. I request that you investigate these matters at your earliest convenience and provide me with the results of your investigation. 

Upon completion of your investigation, please provide me with written confirmation that the unauthorized hard inquiries have been removed from my credit report. Additionally, if possible, please notify American Express, XXXX XXXX, and XXXX XXXX of the corrections.
Product: Checking or savings account

i received a XXXX payment from a friend. it has been placed on hold and now citizens is making me wait until wednesday to receive the funds. i have no money and theres zero reason to make me wait till wednesday. i need to buy food!
Product: Student loan

During the month of XX/XX/XXXX, I was contacted by Premier Student Loan Center with information on how to lower my monthly student loan payments. They stated that they were able to forgive my loans because I worked for a nonprofit ( at the time ). The deal was to give them {$600.00} up front to be in the program, then {$30.00} a month for 10 years. 

I just became aware that this company is under a lawsuit as of last XX/XX/XXXX. I have provided information on the lawsuit under this link : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

someone stole my identity and opened up fraudulent accounts in my name.
Product: Checking or savings account

I have An account with Bank of America, There is XXXX in unauthorized ACH transfers to XXXX XXXX that i did not authorized.
Product: Credit reporting

My Wife and I are looking for a joint mortgage, but we are denied because ~XXXX years ago XXXX and XXXX XXXX failed to update XXXX judgements as Paid-In-Full. Now the home I want may slip out of out hands as I " try '' to present court receipts to the XXXX agencies. Because there was XXXX Judgement in each of our names, this is an auduous process. By phone, hold times are a joke. Online, I must recieve credit reports before adressing the issue on each company. Email contacts for this issue are not posted, and snail-mail contact will insure the only home sharing property lines with my parents will belong to somebody else. This is not a disputeable issue, this a factual issue will much documentation that was not updaded by the companies. 

This also means that my car loan, my car lease, my credit card payments have been based on incorrect information. For years my wife and I have been subject to injustice due to failue to conform with the Fair Credit Reporting Act.