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

I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the XXXX 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im XXXX
Product: Credit card or prepaid card

Office of the President XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/XXXX To whom it may concern It is a painful shame Citibank Institution unprofessionalism . 


CitiBank, failed to their Duties and obligation as issuers of account XXXX. 
Evading their responsibilities, neglecting same. 

Failing within the 90 days period to provide me with report referring to account XXXX. Account Unverifiable. 

CitiBank continued repeating same information parroting without any proof in writing Which did not provided within the 90 days. 

I deny account, account number XXXX, not mines. 

CitiBank as issuers of account are solemnly responsible for account and to provide poof The fact is that CitiBank never provide me with any proof within 90 days period on XXXX because Bank institution Never had, neglecting account, not mines Very unprofessional for a Bank institution Also CitiBank claims to have transfer account to debt collector, third party that has nothing to do with me, account not mines. 

This is hurting my reputation and constitutes Defamation to my person. 

Im requesting a deletion letter for account number XXXX. 
Within 7 business days by XXXX XXXX. 

I will be force to file a Police report to CitiBank referring to account XXXX. 


Thank you XXXX XXXX
Product: Student loan

I graduated from graduate school in XX/XX/XXXX. At that time I consolidated my loans through XXXX XXXX. I had approximately XXXX in loans. Ive been paying since I graduated with the exception of when I went back to school for a XXXX XXXX XXXX XXXX and when I had to get a forebearance as a result of a divorce/loss of income. XXXX XXXX   transferred my loans to Navient and their payments were beyond what I could afford. Ive worked in a low income school district since XX/XX/XXXX so I decided to apply for the Public Loan Service Forgiveness program. I went with a company called XXXX XXXX XXXX XXXX XXXX XXXX that is now called XXXX XXXX XXXX. They claim to be assisting me with Public Service Loan Forgiveness through my payments to XXXX XXXX XXXX. It is now XX/XX/XXXX and my balance is XXXX? Im not a mathematician nor an accountant but I believe something is drastically wrong here and deserving attention.
Product: Checking or savings account

I opened the account with SoFi on XX/XX/XXXX and the last direct deposit was made XX/XX/XXXX. I have never taken money out of the account. They froze my account in XX/XX/XXXX stating that my account was flagged for suspicious activity. I called them immediately to request that they unfreeze my account, and the individual I spoke to said it would unfreeze within a week of investigating the activity. I called them several months later on XX/XX/XXXX to see why my account was still frozen. On XX/XX/XXXX I called them and they told me what the suspicious activity was that resulted in their freezing my account. They asked for information on the source of XXXX checks, which I provided to them on XX/XX/XXXX over phone call. They did not ask for any other information, yet as of today ( XX/XX/XXXX ) my account is still frozen.
Product: Debt collection

I am filing this complaint because LVNV FUNDING has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Debt collection

I have reported XXXX XXXX to the BBB because the loan amount I owe the school {$1300.00} should have been discharge because I received a XXXX from XXXX which works with the department of education. XXXX XXXX has purposely not given my loan to XXXX so it can be discharged under the XXXX guidelines to forgive all my loans which became certified in XXXX. XXXX XXXX opened my collection account XX/XX/XXXX to the XXXX XXXX XXXX, and I received the discharge a year later and they didn't include this loan as part of the discharged I recieved. The XXXX XXXX XXXX told me to contact the college but no response, and I gave them this information to prove the debt was not valid
Product: Credit card

I am disputing the collection account with XXXX SYNCHRONY BANK, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX SYNCHRONY BANK provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

Wells Fargo stated that XXXX XXXX holds loan to this loan and when I call they stated that they do not hold this loan and to call Wells Fargo Back trying to remove the PMI insurance on this loan
Product: Debt collection

I received correspondence that I owed XXXX in XXXX. They suggested that this was seriously past due. I moved to XXXX in XX/XX/2015. The letter that was sent stated that the account was opened earlier than that. I have not contacted them due to fthe fact that I do not owe this debt, and this is not my account. I would like for them to present information that aligns with their claim. Also even if this account was opened in 2015 it is well past the statue to be on my credit report.
Product: Credit reporting 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. Insert accounts 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 An 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.

XXXX XXXX XXXX- {$590.00} TransUnion
Product: Debt collection

XXXX XXXX XXXX account in the amount of XXXX that I didn't own XXXX XXXX XXXX account number XXXX services they said on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

As a consumer/ natural person/ living man, I am enforcing my rights. 
EQUIFAX is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EQUIFAX written permission or consent to furnish accounts on my consumer report.

Furthermore, EQUIFAX is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.
And further, EQUIFAX is invading my right to privacy and are not adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy. 

THE LAW IS CLEAR and I want these accounts deleted immediately from my consumer report. Here are the accounts : XXXX Account number XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called Equifax and checked my transition account and they have no record of me having an account with XXXX  XXXX so they can no assist me with disputing information I even called the Number by XXXX  XXXX and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.
Product: Credit card or prepaid card

I saw an ad on XXXX for a website called XXXX  XXXX. Had many good deals on this site and was for a VERY reasonable price. I went on the site placed an order and gave my card number for the purchase of almost {$400.00}. After the payment went through I noticed really quickly that there was no confirmation number. I thought maybe i didn't charge my cardm I immediately checked my account on the card holder website and sure enough it went through, said payment on hold. I immediately searched the website to check for website being a scam website and it was. I immediately called the card holder customer line to have them stop transaction immediately but was on hold for over 3 hrs. Couldn't get through, and no option on cardholder account website to cancel payment so I Immediately froze my card. Days went by while still trying to get through to customer service, waited 5hrs and finally got a live person told them the issue they said I needed to get ahold of the claims department, and said they could not stop the payment. She transferred me over to the claims dept and I waited for 2 more hrs. Finally a representative came online and said that the line I just called was the wrong line, she didn't know I was transferred over. So I asked for the claims number she gave me XXXX XXXX number. I was angry at that point. I tried again the next day same hold time same exact problem but this time the customer service agent hung up on me after waiting hours. Time went on and I finally got through to the claims department taking me almost 6 hrs to talk to them. They said they would contact me I n two days and never did. I called back waited for hours again, but when someone answered, he wanted my card number for security purposes and I asked if there was another way to verify it was me because I didn't have my card with me right then, he then pretended to no understand what I was saying and then transferred me over to the line I just called to wait another hour again ... I'm upset that I can't get through and I don't know what it is they are investigating through this claim process. I'm broke I want my money back and I'm never doing business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the CRAs to take off old information, as NY now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at Transunion got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.
Product: Credit card

I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details
Product: Checking or savings account

On XXXX the XXXX, I purchased a pair of earrings from XXXX 's via Klarna. Klarna charged me for the earrings to be paid in 4 installments of XXXX. Klarna took the 1st payment, XXXX from my credit union account. When I received the earrings, one of the earrings was damaged. I immediately returned the earrings to XXXX XXXX. XXXX acknowledged that the returned earrings were received. 
Per Klarna, there was communication between XXXX and Klarna and a credit was initiated between XXXX and Klarna as stated by Klarna. Since the earrings were returned to XXXX, I requested my money be refunded by Klarna ... 1st payment of XXXX ; however, Klarna has now illegally excessed my credit union account. Took an additional XXXX, 2nd payment? I call this fraud since Klarna is aware that I returned the earrings. By the way, I was never informed by XXXX nor received any such thing as gift card ( s ) from XXXX 's as stated by Klarna.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies ; they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Equifax FRAUDULENT ACCOUNTS TO BE DELETED : XXXX. XXXX XXXX XXXX XXXX ( CLOSED ) account # XXXX XXXX. Fraudulently opened on XX/XX/XXXX ( Identity Theft! ). 
XXXX. XXXX  XXXX XXXX ( CLOSED ) account XXXX XXXX XXXXXXXX. Fraudulently opened on XX/XX/XXXX ( Identity Theft! ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ) account # XXXX XXXXXXXX. Fraudulently opened on XX/XX/XXXX ( Identity Theft! ). 
XXXX XXXX XXXX XXXX ) account # XXXX XXXXFraudulently opened on XX/XX/XXXX ( Identity Theft! ). 
FRAUDULENT INQUIRIES TO BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Bank account or service

I had a bank of america checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Bank of America with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is " assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a regular human being and I am finding that the credit bureaus and credit cards are not upholding their end of agreements of deleting records of settled debt and chargeoffs and also sharing my credit score and personal information about with companies I did not approve of and also unfair practices which makes the scores vary wildly from credit bureau to credit bureau and as a result I can only get loans with very hight interest rates and I DO NOT consent nor did I ever consent to any of these companies sharing my personal information from the past or the present with anyone else. I also have accounts where I asked for accounts to be closed and theyre reporting as derogatory. 

XXXX XXXX XXXX XXXXXX/XX/XXXX was paid in settlement and was supposed to be delated from my credit report history ( all personal information related to the history and transactions ) and my payment history is still there even though it was supposed to be deleted. 

XXXX XXXX was paid in settlement XX/XX/XXXX and the record of all the payments and the history of my transactions were supposed to be completely deleted ( all personal information related to the history and transactions ) from my credit reports and they were not. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and also written off and all was supposed to be deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be deleted completely from my credit reports ( all personal information related to the history and transactions ) as well and it never was. 

XXXX XXXX XXXX XX/XX/XXXX was paid off in a settlement and this was supposed to be also immediately deleted from my credit reports ( all personal information related to the history and transactions ) and never was. 

XXXX XXXX XXXX {$5200.00} last reported balance has been reporting incorrectly. My payments have been on auto pay for 3 years and they randomly mark them as paid late even though they are paid automatically out of my bank account every month on time. 

XXXX XXXX XXXX XXXX XXXX off XX/XX/XXXX {$3100.00} and It was again supposed to be deleted with all transactional history and it was not. 

All of this information is messing up my credit rating and it was promised to me that it would be deleted once I paid off the settlements. Nothing was deleted. The credit bureaus dont care and aren't listening and just dont care.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Exquifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Exquifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts, as Exquifax 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

There is a debt from this company Rentdebt and it is NOT mine, I have tried disputing it, requesting validation and nothing. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is reporting either in error or as a result of identity theft. Please assist me in getting the following accounts removed from my credit file : XXXX XXXX XXXX - {$5400.00} XXXX XXXX - {$0.00} XXXX XXXX/XXXX XXXX - {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts does not belong to me so i want it to be remove from my credit report asap. FYI this are the accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.