23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Citi AAdvantage Platinum Select World Mastercard XX/XX/2016. I received my approval notice and initial disclosures dated XX/XX/2016. The disclosure indicates that I have an introductory APR of 0 % for 14 months, so when my first payment was due XX/XX/XXXX, I only made the minimum payment of {$45.00}. On XX/XX/2016, I was charged nearly {$55.00} in interest on the remaining {$2900.00} balance. I contacted Citi via online message, and they messaged me back that the charge was valid and they 're not refunding my money. I checked my disclosures at home and called them, at which point they told me the 0 % offer was not on my account ( despite the paperwork they sent me saying the opposite ). They told me that though I applied under offer terms including 0 % introductory APR, they are allowed to approve me for the product but apply different terms than what I applied under. They said they will open an investigation that will take 14 to 30 days to conclude and falsely told me that since I paid off the entire balance ( including the erroneous interest ) today, I would incur no further interest charges. Though my current loss stands at {$54.00}, because of the way credit card interest works, I will be at a further loss by the time their investigation concludes.
Product: Consumer Loan

I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account is not acurete on the deut info. 
I have attached complain letter to prove this account is inacurate and need to remove from my experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Sagestream LLC on XX/XX/XXXX, through the company 's online request form. After submitting the form, I received a confirmation message stating that I would receive my credit report by USPS first class mail. I never received the report. 

I submitted another form on XX/XX/XXXX and received the same confirmation message. I have not received the report. 

This is my second complaint against the company. I tried to contact the company several times by phone and once by mail prior to my first complaint. The company 's response to my first complaint was to suggest I complete an application on their web site. I have done this twice and still have received no response.
Product: Debt collection

I am filing this complaint due to inaccuracies and noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXXXXXX XXXX Crown Asset Management LLCXXXX XXXX XXXX XXXX XXXXXXXX in relation to an account allegedly tied to XXXX XXXX XXXX. Despite submitting evidence of identity theft, these entities have failed to validate or properly investigate the disputed debt. 

Key Issues : 1. Failure to Validate Debt Properly : I submitted debt validation requests to Crown Asset Management LLC and XXXX XXXX XXXX, but they failed to provide adequate validation of the alleged debt. The documents provided contained incorrect names and unverifiable signatures. 

XXXX. Fraudulent Account Reporting : XXXX Bank and Crown Asset Management LLC continue to report a fraudulent account tied to XXXX XXXX XXXX under variations of my legal name, which were outlined and disputed in my FTC Identity Theft Report, police report, and FTC XXXX XXXX. 

XXXX. Use of Incorrect Name and Signature : The promissory note submitted as validation by Crown Asset Management LLC and XXXX XXXX XXXX shows the name XXXX XXXX, which is not my legal name, and contains a forged electronic signature that I did not authorize.

4. Failure to Block Fraudulent Accounts : Under Section 605B of the FCRA, creditors and credit reporting agencies are required to block accounts identified in an FTC Identity Theft Report and police report. XXXX XXXX  has failed to comply with this requirement. 

XXXX. Negligence in Debt Collection Practices : XXXX XXXX XXXX, acting as a collector for Crown Asset Management LLC, continues to pursue collection efforts despite being notified of the fraudulent nature of this debt.

Timeline of Events : XX/XX/XXXX : Filed a police report in XXXX XXXXXXXX XXXX regarding identity theft. 
XX/XX/XXXX : Submitted debt validation requests to Crown Asset Management LLC and XXXX XXXX XXXX, and provided FTC Identity Theft Report, police report, and Fraud Affidavit. 
XX/XX/XXXX : Received inadequate validation response from Crown Asset Management LLC, including unverifiable documentation and incorrect names. 
XX/XX/XXXX : XXXX XXXX  failed to respond to the identity theft reports and continues reporting the fraudulent account to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent the following document/letter to Equifax for the following incorrect items they are reporting to my credit profile. ATTENTION : EQUIFAX DISPUTE DEPARTMENTTo Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX : XXXX - The high balance reported is incorrect, please delete. XXXX - XXXX account balance is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX : XXXX - The payment status is incorrect, please delete. XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble.Please DELETE / UPDATE the above accounts as quickly as possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding the inaccurate and misleading reporting of a charged-off account by [ XXXX XXXX ] on my Experian credit report. 

The account in question was charged off in [ XX/XX/XXXX ], which is a one-time event. However, the account continues to be reported as a Charge-Off ( CO ) every month following that initial charge-off date, including throughout XXXX and into XXXX. This repeated charge-off reporting gives the false impression of new and ongoing negative activity, when in fact the account was already closed. 

This type of repeated reporting violates the Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which states that a furnisher of information shall not report any data that it knows or has reasonable cause to believe is inaccurate. Repeated charge-off notations are not only misleading but materially harm my credit profile.
Product: Checking or savings account

XXXX/XXXX/XXXX US Treasury Check ( # XXXX ) for {$12000.00} was issued to me XXXX/XXXX/XXXX I deposited the check in TD Bank XXXX ATM ( XXXX # XXXX ) XXXX XXXX XXXX XXXX Later TD Bank told me that the check couldnt be cashed due to endorsement issue I requested TD Bank to return the check. 
But TD Bank told me several times that the check can not be returned due to their bank policy. 

It took me months to contact IRS and US Treasury Department to find out that someone in TD Bank has cashed the check.
Product: Debt collection

I'm writing in hopes that Equifax can assist in reaching resolution in my multiple complaints. Ultimately, Equifax was never provided with consent from consumer, natural person, myself XXXX XXXX as outlined in 15 USC 1681b. Amongst several other violations, there is no legal authorization for Equifax to reflect this information. I understand that my information was included in the Equifax breach so at this time I have no confidence that any of the information on my report is being held to the standards at set forth by Federal law. 

Equifax please remove XXXX XXXX XXXX from my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

First Name : XXXX Last Name : XXXX Title : XXXX Retired Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : OK Zip : XXXX Telephone : XXXX Email : XXXX VA facility or office involved : Selling VA Financed home in XXXX XXXX and appraisal department of buyers bank won't follow the law concerning the solar electric system and battery backups into loan appraisal. I have showed them the new law and gave them contact with lead engineer at XXXX XXXX information verbal and email. Alleged legal or policy violation ( s ) or other misconduct : They are not following current law applied to my situation of including solar electric and battery backup system into loan appraisal amount from the appraisal department of buyers bank ( Bank Popular ). buyer is also seeking VA loan to purchase my property. They have been approached at least five times to fix the situation at their bank appraisal department. They finance homes and approve sales everyday with other persons that have solar systems into appraisal so why are they not applying law to me and my situation. 

Emails from XXXX XXXX : That document is completely obsolete. They have to update that information as soon as possible because that is completely incorrect. Look for Law 17 of the Public Energy Policy or call the nearest Net Metering office or the OGPe offices for them to send you all updates. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Please call our professional engineer XXXX XXXX at XXXX for further information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Effect of the wrongdoing, such as dollars lost, delay produced, etc. : Cost me my contract amount with the buyer. {$440000.00} and the bank appraisal department accepts only {$370000.00} appraisal without solar electric/battery backup system figured into apparaisal.. All documents have been provided and solar system/battery backup have met all government rules, laws and regulations which have been provided to them by me and my realtor XXXX XXXX phone ( XXXX ) XXXX XXXX : XXXX I can provide the new law regulation document Date ( s ) when the event ( s ) occurred : XXXX XXXX Names of wrongdoers : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ext. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX for VA ) ( XXXX ) XXXX email : XXXX XXXX XXXX email : XXXX Names of victims : XXXX XXXX I am XXXX XXXX and can't ytake anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Reference # : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was not notified of XXXX of any late payments or right to dispute reporting of late payments prior to them being reported to the credit bureau. According to the FCRA a creditor must notify an individual of this.
Product: Other financial service

I order an item on XXXX, attempted to pay it with a card through my XXXX account XXXX for {$10.00}. When it went through XXXX I would deposit {$15.00} and then I cancelled the item on, ordered on around XXXX the XXXX. I had an over draft fee on my account which was taken away due to my carelessness. I have asked several times for the over draft to be placed back, I was told no. I got a letter from Iberia last week on the XX/XX/XXXX. I cancelled the item with XXXX and when I checked I owe Iberia {$90.00}. I called and asked to speak to a customer service and was told that it could not be taken off. I called XXXX who really was not sure what to do, I spoke to another customer relations and was told the same thing. I like this bank I am just overwhelmed with this charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on report that I don't recognize.
Product: Credit card or prepaid card

Financing by synchrony allowed a card to be opened in my name. Shockingly the account reflects a payment was made. I request all bills to include what account the payment was made from. The debt was sold to XXXX XXXX. However, they have nothing to do w/the information I am requesting. I am requesting information to show when an application was submitted, bills and or anything relevant to this account. Synchrony is the original debt collector and should be able to fulfill the request. Lastly, I find it less than a coincidence this company also maintains Lowes credit cards. Maybe an investigation should be done on that and/or the Lowes in XXXX XXXX Pa and see if more complaints pinpoint that store/company.
Product: Credit card or prepaid card

My chase card and pin was used multiple times for withdrawals and purchases.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, My is XXXX XXXX, I've tried numerous times to get a supervisor/manager on the phone to ask about my payment. Every time I call it's someone that doesn't speak go XXXX so they don't understand what I'm saying or keep repeating the same thing. This is very frustrating when I need to talk to someone about additional fees on my account. I have been suffering from XXXX with other to my already compromised immune system. This company isn't fair to us consumers and they don't listen or help. The amount that's in is being questioned is {$400.00}.
Product: Checking or savings account

BOA Claim # XXXX I received a call from Bank of America XXXX My caller ID showed it was Bank of America and showed the companies logo and moving banner promoting ATMs and the tel # for BOA. When I answered I was told it was the fraud department and someone was trying to take approximately {$700.00} out of my account. This person knew my name and I did not give them my account information ( account # ) and they did not ask for it. They sent me a text with a code and asked me to provided the code # to verify my identity. I gave them the code. ( This is what Bank of America did also when I called the fraud department. ) They then asked me to verify additional codes to initiate refunds back to my account. Apparently the money was being taken from my account using XXXX. On my phone it said the transcations were going to " REFUND ACCOUNT '' After doing this several times they put me on hold and never came back. I then called the fraud department who told me they recognized the fraud and stopped some of the transactions. Apparently the person committing the fraud was the person claiming to be from Bank of America. When I called the fraud department they had already stopped some of the transactions because they recognized it as fraud. The scammers took {$500.00}. I told them exactly what happened ( which they later used against me to deny my claim ) It is important to mention here that I did not give them my account information so how would anyone outside of the bank know where to take the money from in a XXXX transaction? And why did my caller ID say it was Bank of America? In subsequent conversations with the fraud department I was told that about 300 other people had been taken by the same scam so they felt confident they would solve the issue. They also said they were able to see where the money went to ( the telephone and email address of the recipient ) They froze my account and I opened a new. Now they have denied my claim for the following reason : - Our investigation found that the transaction was confirmed valid by you via ( SMS/MMS ) text message response or speaking directly with XXXX XXXX XXXX XXXX 
- We based our decision on our records and the information you provided when you contacted us about your account. 
I would like to add that I have had my checking account at BOA for 20 YEARS. They are basically saying I did all this myself and admitted it! They need to prove that. I suspect it was an employee of BOA and they are liable and at fault for allowing the funds to be released. How could anyone except BOA know the account information and access it for a XXXX transaction? I will not accept the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer
Product: Credit reporting or other personal consumer reports

I purchased a copy of my credit report, and notice a collections account from Credit Bureau Services of Iowa. I reached out to them with not only photographs of the apartment the day I moved in, but a video as well. Also a letter stating I'm unaware of this debt. I didn't have opportunity to dispute it due to notification. If in fact you believe you supplied me with proper notification, please provide certified mail with receipt baring my signature. If not, please remove this account or I'll pursue legal action.
Product: Checking or savings account

XX/XX/24 I tried to pay a merchant {$240.00} via XXXX XXXX. After a few failed attempts I charged the pymt to my Debit card. Next day there were two xactions ( one from XXXX XXXX and one via debit card ) but merchant only recd one. I disputed the xaction that the merchant didnt receive but the bank charged back the one the merchant DID receive. I had to reimburse the merchant directly for the funds they took from her so Im still missing the {$240.00} from the XXXX XXXX xaction. I have made several calls and asked to dispute the one the merchant didnt get but they refused to allow me to dispute it. Meantime, I had to pay the merchant {$240.00} AND my acct hasnt been credited for the {$240.00} XXXXXXXX XXXX withdrawal so Im still out the same {$480.00} I was out on the day I filed the claim. I believe that by refusing to allow me to file a claim for the XXXX XXXX xaction, the bank is in violation of Reg E because I sent {$240.00} to a merchant that the merchant didnt get but the bank has refused to allow me to file a claim to get those funds back.
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. 


Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the items be blocked to correct my credit report. I also request that XXXX/XXXX XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, I'm asked the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries I need to contact the company and I did the company said dispute it with the bureau so I don't know what to do please help.