23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine XXXX/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Product: Vehicle loan or lease

I refinanced my husbands loan for his XXXX because he had just passed away and I need to sell the XXXX. Getting the title for the motorcycle was so difficult as I was given misinformation which delayed receiving the title, and then it arrived in my husbands name erroneously. But even worse, while I was trying to get the loan refinanced into my name the person, XXXX, at Mountain America Credit Union ( MACU ) tried to sell me a multi level marketing scheme that was an outside job he had. He was targeting me when I was at my most vulnerable, not to mention this was completely unprofessional and dishonest to sell from his side job to me at the bank he works at ( having nothing to do with his job at MACU ). He called and texted me from his personal phone regarding the multi level marketing scheme.
Product: Checking or savings account

First Bank send a letter stateting that I have a over draft account by XXXX cents and that I should go to the branch and paid the amount before five days so I don't get charge for extra. I went to the XXXX XXXX XXXX Branch to make my deposit and close the account and they did not let me because the accout was inactive. I told tha manager that the account was inactive for many years as it was form another bank ( Santander ) that merger with First Bank on this year. I told the Branch manager that all I want is to paid the over draft amount and close the account, but she did not help me and said to me that I have to wait for somebody to re-activate the account and paid any other bank charger. I told her that is unacceptable as I never open a account with this bank and that I will only paid the over draft even due I don't accept it as I left the account from Santarder in good standing many years ago. Still she never gave any support on my arguments and never offer a wait to finalize this XXXX situation. First Bank must teach there employee to manage this type of situation. Very bad experience.
Product: Credit reporting or other personal consumer reports

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.
Product: Consumer Loan

Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories.
Product: Debt collection

The last 4 of my social security number are XXXX. I did not open a King Size account with XXXX XXXX, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. Portfolio Recovery refuses to delete this collection account.
Product: Credit card or prepaid card

On XX/XX/2019 I signed up for a $ XXXX/month temporary office at XXXX XXXX XXXX location, commencing XX/XX/2019. 

Despite only being there for 3 months -- XXXX, XXXX and XX/XX/2019 -- which should have totaled around {$4500.00} ( {$1500.00} XXXX XXXX ), the merchant has billed me {$6600.00}, an overcharge of nearly 50 % more. 

I disputed this overcharge and the merchant has bombarded American Express with different sets of alleged receipts/records that differ not only in amounts charged, but the name of the invoice as well -- i.e. XXXX XXXX to XXXX XXXX. 

Notwithstanding the erroneous documentation, this is a very clear cut matter. I was a tenant for 3 months at XXXX XXXX/month : XXXX XXXX {$1500.00} = {$4500.00}, not {$6600.00}. 

The merchant has also ( 1 ) added alleged cleaning fees to an office that was left in pristine condition, and ( 2 ) if the XXXX charge did, in fact, include a retainer/security of {$1500.00}, that is problematic, as this amount has not been returned to me. 

The merchants shady business practices of charging unsupported fees, not returning security deposits, and billing unauthorized amounts is well-documented on the internet. 

In fact, the merchant has lost multiple lawsuits in several states regarding its deceptive and unlawful business practices. 

I agree to pay {$4500.00} plus any applicable taxes and not a XXXX more, and expect to be refunded approximately {$2000.00}. 

Despite all of the corroborating evidence I have supplied to American Express they refuse to protect me from this overcharge.
Product: Checking or savings account

This bank is very unreliable and has poor customer service and awful unprofessional staff I guess they was never trained not to argue with the customers since the customers always right customer service 101, unfortunately for this bank this customer is highly connected in the legal field and won't tolerate it. 

On XX/XX/XXXX i was charged once again by the merchant XXXX for {$20.00} after I told Santander to do a stop pay and I told the merchant the same thing both parties agreed because I don't use this account until time to pay bills because I cant take a direct deposit off of it, I noticed there was not one but 2 over draft fees for {$35.00} which I refuse to pay now messing my daughters money up. This isn't the first time approaching the bank about this charge when I called XX/XX/2020 the rep was very inappropriate and tried to tell me that I never called about the matter which frustrated me and now I am reporting the company to CFPB
Product: Credit card or prepaid card

First of all, this is my Social security benefit card in which Social security automatically for some reason signed me up. Ive used it for nearly 3 years with no problems. Its thru Direct Express. On XXXX XX/XX/2019, I contacted them at XXXX, and mentioned to them my card has been damaged, and needs to be replaced. This is the first and only time after nearly 3 years I needed ANY assistance from Direct Express. The woman I spoke to said in order to issue you a new card, we need to deactivate the old card in my wallet. I thought that seemed strange, however I told them that was ok to do. I paid an extra {$13.00} to have them expedite it to me by XXXX XX/XX/2019. I use this card to pay my mortgage, electric, telephone, groceries, and car insurance, so I needed it as soon as possible. They also said there would be a tracking number on my email. Well XXXX came and went and no card. I contacted them on XXXX, and they were rude and hung up on me. I looked up this bank on line, and first of all theres no physical address, they only have a 1 star rating, countless number of complaints.Well after 45 minutes of trying to contact them I finally spoke to someone who understood English. She rest assured me she would help me out. She told me she would reimburse the {$13.00}, and send me out another card on XXXX XX/XX/2019 Meanwhile Ive been watching my account online making sure funds are not coming up missing.It still shows that its all still there. 
Told me in would be in my hands by XXXX XX/XX/2019. Once again no card.They told me to wait because of XXXX of XXXX it could take a little longer. I contacted them again on XXXX XX/XX/2019, and the man who could not speak English told me the problem this time is I live in Virginia, and supposedly they addressed it as Vi, and not Va.Once again reassured me they would send out another card, expedite it to me for another {$13.00} and I would have it in my hands by XXXX XXXX XXXX. I realize Im 1 day early, however once again they told me I would be able to tract it on-line, and there is no tracking information available. PLEASE PLEASE HELP ME. Im a XXXX an on a fixed income and I need this money to live on. The amount is {$3500.00} not including the {$27.00} they charged for supposedly expediting the 2 cards. Remember there are supposedly 4 card involved. 1 in my wallet thats been deactivated, and 3 supposedly sent to me. 2 expedited, and 1 sent in regular mail. My name is XXXX XXXX XXXX XXXX. Phone # XXXX. Address is XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Specifically under 15 USC 1692c.

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  Preferred. The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX Preferred : - Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible. 
I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  IL XXXX, Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

Enclosed are detailed transactions from my bank statements and credit card accounts for my Infiniti Financial Services account for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Infiniti Financial Services " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.
Product: Credit card

I received a letter from BMO Bank Credit Card stating that my account was closed on XX/XX/XXXX. The letter stated that they could close my account at any time for any reason. They stated " We are unable to reconsider this decision ''. They stated that I had to continue to pay the monthly payments. I had a balance due of {$450.00} and used my rewards to pay the balance off. The reason for this complaint is that they can cancel our card ( We had a {$12000.00} Credit Limit ) for no reason. I'm left to assume it was because of my age ( XXXX ). We have NEVER been late since the account was opened in XXXX. The last time we used the card was in XX/XX/XXXX and have had the payments on autopay. By them cancelling my card it adversely affects my credit rating because it reduces my available by {$12000.00} thus increasing my amount of credit usage. These companies could care less about faithful customers, they only care about customers that they can XXXX with high interest rates and take advantage of them. If age is an issue we need to know why. We had to replace our garage last year and had to use our credit cards and we ended up with {$26000.00} in credit card debt but have never, never missed a payment. As stated the letter stated their decision was final and could not be reversed. This is absolutely unfair to any consumer. To add insult to injury BMO sent me an arbitration letter with updated policies. They have a nerve.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Transunion, XXXX, and XXXX, are not complete and accurate. 


[ XXXX XXXX ] date last reported is not is not accurate, and date last active is not accurate. 
Last date reported : Transunion- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Date Last Active : Transunion- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date last active is not accurate. 
Date Last Active : Transunion - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Last Active is not accurate. 
XXXX [ XXXX  ] - date last active - XX/XX/XXXX XXXX [ XXXX ] - date last active - XX/XX/XXXX
Product: Checking or savings account

Beginning in Middle of XXXX, repeated calls to USAA have been responded wih " Checks will be processed two ( 2 ) days and mailed. Will take five ( 5 ) to nine ( 9 ) business days to recieve. '' Have not recieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged onto my Citibank account and sent a secure email message to their live chat representative asking for a payoff on my closed card. I had no response so I called Citibank customer service XXXX requesting a payoff on my closed credit card ending in XXXX. 

The woman I spoke with laughed and said she can tell me only what she sees but can not make those authorizations. I asked for a manager or supervisor and she responded " They'll say the same thing I did ''. I asked her what happens when I pay off the account and if it will be closed permanently. She said " well its already closed so I don't know what you're talking about. '' She was pretty condescending. She ended with saying that she can not promise a payoff and still did not want to transfer me to a supervisor or manager. I have decided to reach out to your corporate office to assist. 

I sent an email to the Citibank Corporate office to : XXXX XXXX, XXXX. I then received a call from XXXX at the Citi Executive offices on XX/XX/XXXX from XXXX XXXX XXXX XXXX to discuss this. I asked for a payoff several times. I was never given an actual payoff and he only read what was the full balance on line which was {$3500.00}. He explained that it should be fine but he can not tell. I asked why I cant get a formal payoff after I requested it. I explained that I asked several time to the customer service rep and she basically denied my payoff request by not giving me a dollar amount. XXXX could not locate this conversation. I asked if this would be paid in full and he said yes but if it shows a few dollars of fees on the next statement he would write it off. 

On XX/XX/XXXX I paid the balance in full and was displayed a XXXX  balance. From that point I did not hear from Citi. My due date was showing XX/XX/XXXX so this was considerably before that due date. 

Today, XX/XX/XXXX I received a statement from Citibank for {$2.00}. This is ridiculous because I paid the balance in full, Citi denied me a payoff quote after several verbal requests and one written request on line. At this point this should be a XXXX  balance.
Product: Bank account or service

On XX/XX/XXXX I received a banking alert that my balance was XXXX cents. I found XXXX fraudulent transactions pending for {$410.00} and XXXX. I called the bank immediately since I had the card so it had been compromised. The bank told me that they could not do anything until the transactions posted, usually 24hrs. They told me they could see they were fraudulent. The transactions did not post on my account the next day as they said. I called again and told me they could not help me. I asked what was going to happen to the direct payments that were coming through and I was told to put money into the account but that I would not have a new ATM card for another 10days. The transactions posted on XX/XX/XXXX. When I called to have them investigate I was told TEN DAYS. I was told that until then I was not entitled to a refund or any other assistance. They would call me once the investigation was over IF they were able to determine the charges were fraudulent. I told them I was left with XXXX cents and I was told that they could see they were fraudulent and they said this is their process. This account is my main checking account where my pay goes every 2 weeks. They took ALL my money so the XXXX cents is all I have. The bank tells me to put money into the account as a solution to this problem. Where am I getting this money? Are n't banks insured for this kind of things?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to my information being involved in XXXX, Experian, and XXXX data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account time after time for the better part of a year and a half, all the bureaus say its verified with absolutely no proof of the account that should meet the fcra standards. Theres no true investigation going on, I have no ties to the alleged address they stated I lived at. The amount is XXXX, and the year date of the account is from XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a dispute here because I was unable to file a dispute online with XXXX and Transunion, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several Gross violations being reported to each credit bureau. All violations are labeled for review.