23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call from a random Texas number that was nothing but static and then I called back and this lady with Nelson Cruz and associates asked if it was me whom they were looking for and I said yes, and then she asked if I was able to pay And I said no, and then she said a piece officer would be showing At my house tomorrow and that she was filing something with a judge in my town that doesnt even seem to exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes it has taken longer than 30 days.
Product: Debt collection

I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Wells Fargo Dealer Services has violated my rights under 15 USC 1681 section 602 which states that I have a right to privacy. 15 USC 1681 section 604A Section 2 it also states ; that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open consumer and credit plan as late for any purpose
Product: Credit card

On XX/XX/XXXX, I in error sent an electronic payment of {$5700.00} to XXXX XXXX credit card XXXX issued by Citibank , NA. My bank XXXX XXXX XXXX told me because the credit card was cancelled due to non activity, CitiBank is required to return the money to my XXXX account in XXXX XXXX XXXX days. On XX/XX/XXXX, I sent the following letter by Certified Mail. The letter was received accoring to the US mail service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/XXXX Citibank Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX XXXX Credit Card XXXX XXXX XXXX XXXX issued by Citibank to Ian A. Anderson ( Closed by bank due to inactivity ).

Attached are copies of : PROOF OF PAYMENT and MY BILL PAY for {$5700.00} electronic draft, sent from my bank, XXXX XXXX XXXX XXXX XXXX XXXX Citibank, XXXX XXXX, XXXX. Confirmation XXXX, XXXX # XXXX This was an error on my part and as of today my bank nor I have had this money returned to me.

Please return the money to via check or electronic transfer to my bank.

Routing Number : XXXX, Account Number : XXXX. 
Your attention to this matter is very much appreciated. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received an invitation to calculate my mortgage payment via email solicitation. ( See attachment ). I was not informed that my personal information would be sold and sent to other mortgage lenders who in turn checked my credit report. This has resulted in my credit score being impacted significantly. These practices are totally unfair to consumers and I am requesting your assistance in resolution of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXXXXXX XXXX  XXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Credit card or prepaid card

I was mistakenly/fraudulently charged on my Barclays Arrival Card by a company for something I did not approve. Barclays flagged these charges and blocked them after confirming with me that I did not approve them. Subsequently, Barclays reversed this block and charged me citing " documentation '' received from the company. 

I tried to contact the company, XXXX, about these charges but they have been unable to provide me the requested documentation. I also contact Barclays and they said they would send me the documentation they received so that I could review it as well. After contacting them via phone and by mail multiple times over a 6 week period I did not receive the documentation. 

I would like to formally complain about my treatment in this matter as I have a right to review these materials.
Product: Student loan

I attended XXXX XXXX. A school that had branches in XXXX. I thought that I originally got accepted into a XXXX XXXX   university which I could graduate from, but I was mislead and it actually turned out to be a 200 question test you take online to get this so called " engineering degree '' which was complete bogus. I wasn't until after they put the loan in my name that I found this out. 

The loan now shows up on my credit report as I paid it down to the zero balance. It still has yet to be removed.
Product: Credit reporting or other personal consumer reports

Was told by agent he can help me with looking to fix some things on my credit report I told him I don't want to run an inquiry at this time at this point he was already running my credit profile
Product: Credit card

I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with HUNTER WARFIELD, INC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, HUNTER WARFIELD, INC and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

On XX/XX/2021, my husband and I had {$22000.00} hacked from our joint M & T Bank checking account. We immediately went to the branch and filed a Complaint. We were told that they would have the claim resolved by today, XX/XX/2021. We have not heard anything from the bank and nobody is able to give us further information. We opened up new bank accounts which have not been reimbursed for the security hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing closed when still open have attempted to resolve but Continues to harm ability to seek financing with other companies
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account XXXX XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.
Product: Checking or savings account

Had my card stolen and someone used my account withdrew money ran up overdraft fees! Made my account negative and get closed down
Product: Credit reporting or other personal consumer reports

My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I seen accounts on my credit profile and it is a violation of my rights FCRA XXXX ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( XXXX ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} XXXX Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit card

Solicited Card Members can receive a Free Night Award of XXXX XXXX XXXX points after a spend of {$4000.00} or more in qualifying purchases are made on the Card within 4 months of accepting this offer. I accepted this offer on XXXX XX/XX/XXXX, so I should have until XXXX XXXX to meet the XXXX dollars requirement, but amex told me Upon reviewing your account, I see the case that was previously submitted. It appears that as per offer terms, the spending threshold is from the offer starting date which was on XXXX until XXXX that's why the spending that was counted was until XXXX only totaling {$3700.00}. I spent more than XXXX dollars during the 4 month period, but they don't want to issue the free night. 

The Amex chat team confirmed I have till XXXX XXXX XXXX to meet the spending XXXX dollars requirement on XXXX XX/XX/XXXX. I have attached the screen shot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$600.00XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter to Equifax was on XXXX, This inaccurate information is continuing to damage my credit and inability to obtain credit. 
Equifax is reporting XXXXXXXX XXXX # XXXX, {$3200.00} as a charge off This loan was paid off in XX/XX/XXXX never late. 

They are also reporting an inaccurate address : XXXX XXXX XXXX, XXXX, AL XXXX even though I sent an affidavit of correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2919a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed byXX/XX/2019 another 45-days.

OnXX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Product: Debt collection

Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.
Product: Credit card or prepaid card

Yesterday when I woke up, I had noticed someone trying to use my card for XXXX at XXXX. That made me instantly go check my account. I noticed SO many transactions that werent mine so my first thoughts was to call CHIME and dispute all of my charges. Usually when I dispute a small amount theres no problem they give it right back, but they definitely aint looking forward to refunding my XXXX that was stole off of my card! They checked my account and saw that my card was being used in XXXX, XXXX  while I was in XXXX, XXXX  spending time with my girlfriend. After disputing all 97 Charges, including the pending ones, he said that they would be in contact with me up to 45 days. After about 40 or 45 minutes, they send an email saying they found no errors and they basically wasnt going to give me any of my money back!! Im obviously devastated and WONT let that much money slip away! Im a single XXXX year old mother that was left with XXXX dollars! Chime will be getting a lawsuit if its not a solution to this! Ill show very little of the proof below of my card being used at the EXACT SAME TIME I was using it in a state 3 hours away and Chime saying they found NO errors because somehow they think Im a shapeshifter and I was living life in XXXX and XXXX  at the same time.
Product: Debt collection

Remove false information from reports and report accurate information. STATUS CompanyrespondedonXXXX2025 RESPONSETYPE Closed withnon-monetaryrelief Companyresponded Company 's Response Thank you for submitting your complaint through the CFPBComplaint Portal. In your complaint, you indicated that therewere inaccurate items reporting on your credit file. XXXX hascompleted its investigation, including contacting the furnisher ofthe information, where applicable. A summary of the results arelisted below : Collection : XXXX XXXX  THIS ITEM HASBEEN DELETED FROM THE CREDIT FILE. We hope this resolvesyour concerns and, if applicable, a copy of the dispute results hasbeen mailed to you. If you have any additional questions, youmay call XXXX ( XXXX ) or you may visitXXXX. With XXXX, you can create an account