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

I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes. 

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

me and my wife seprate in XX/XX/XXXX and the house is in both of our name.and left me with aXXXX XXXX morage to pay.so I contact morage people and in formend them a bout what happen and the told me that it was not the problem.I in formend theme that I will pay the pass due on XX/XX/XXXX. the are threat me with full closer and it is not 3 month .iam XXXX  from my job and I work XXXX XXXX.and iam XXXX  years old sending me threating litter.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX mortgage opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Product: Checking or savings account

The bank unlawfully charged me {$140.00} in overdraft fees ( $ XXXX ). I had cashed a {$370.00} check to my account, which showed it as immediately available as a CREDIT but not available to withdraw. Consequently there were XXXX charges that came through the next day and the bank considered this as an overdraft. Citizens bank is MISREPRESENTING the status of cashed checks and increased my credit balance, yet on the other hand charged me overdraft fees. Despite what is in its terms and conditions, this practice of misrepresenting the account balance is ILLEGAL, violative of a number of consumer protection laws and business practices laws and they should be investigated. 

After I complained, Citizens refunded half the charges ( {$70.00} or 2x {$35.00} ) but is REFUSING to refund me the other {$70.00}.
Product: Debt collection

The XXXX XXXX was already garnished from my paycheck months ago!
Product: Debt collection

To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, Jefferson capital systems, a collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs Midwest recovery systems make clear that it " debt parking without proper notices is a violation of consumers rights.
Product: Credit reporting or other personal consumer reports

They are reporting the wrong date and they are not the original creditors. Dates are 2 years newer than originally stated with XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting debt on my credit report and I am unaware of the account. I have communicated with them VIA MAIL and asked them to dispute the unauthorized accounts from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I XXXX the number and saw that it was linked to the banks website. The person impersonating an employee from the bank said that there was suspicious activity on my account. He said my account was frozen until I got my new card in the mail. On XX/XX/XXXX I went into the bank to confirm and found out that this person was making multiple transactions on my account. He used both my checkings and credit card. He was also able to steal {$9500.00} through XXXX. He knew my phone number, my address, and my military background.
Product: Credit card or prepaid card

I had an amazon credit card for making purchases online. The reason I signed up for the card was that they gave me a credit towards by purchase. In XXXX  0f 2020 I received a statement from synchrony bank/amazon stating I owed {$12.00} for the annual fee. It appears that amazon transfer their account to synchrony bank which now charges for annual fees. 

I went on line and cancelled my account in XX/XX/2020 as I never keep any card cards that require an annual fee. I am now being charge for the annual fee along with {$38.00} per month late charges with interest on what they perceive as an outstanding balance. The card card was cancelled and I have sent an email to synchrony bank with no response. 

I have also tried to contact amazon with no luck. 

Please advice me as what can I do now.
Product: Credit card or prepaid card

I have a XXXX with Ulta which goes through Commenity Bank. I knew I was going out of town and didn't want to forget so I logged into my account for the first time after making my first purchase on the card to pay my balance in full. I paid the balance and it was showing as paid in full on the account with a {$0.00} balance. After 3 weeks passes, I receive a notice in the mail saying my payment was refunded to my bank and now I had a penalty and a late fee applied to my balance. I called and called several different days during different times. I tried to log in to the online account all during the time from mid XXXX to early XXXX. I was unable to ever speak with a representative because the phone would just ring forever, disconnect, a message would come to tell me to hang up and try at a different time. I sent a secure message online and now the website says they are unable to reply in a timely manner and to call them. I have reached out to ULTA directly and they are aware of the issue begging people to keep trying to call the bank. There are hundreds of reviews as well as XXXX  complaints online saying the same issues that I have been having. Please shut this business down and never allow them to do banking in the future. Then later I was actually able to get in the online account randomly. I made my payment for the original amount I payed. To my surprise, the payment posted and went through but it took 4 days to post on my bank. I am not going to pay for that bank 's fraudulent business practices just so they can attempt to squeeze some fees out of people who got the card to get discounts on purchases to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00}, XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XX/XX/2022, XXXX XXXX XXXXXXXX XX/XX/
Product: Mortgage

XXXX XXXX XXXX Foreclosure auction sale and XXXX XXXX XXXX sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the XXXX SC court- thus causing additional financial and mental hardship on the consumer : XXXX
Product: Credit reporting or other personal consumer reports

American Express canceled this account, however, it is still on my credit report. It is past the statute of limitations, and it appears on my credit report twice. The last status update was on XX/XX/2021.
Product: Checking or savings account

On XX/XX/XXXX after having banked with them for over XXXX  years, Citibank randomly decided to freeze all my checking and credit accounts ( both personal and business ). I have spoken with them multiple times but all they do is read me a prepared statement that my accounts have been closed due to a violation of bank policies. They will not tell me what this violation is and suggested that I visit the branch. When I did that, the branch told me there was nothing they could do and said I had to contact the XXXX number. When I did that again they told me the same thing and said I would have to wait XXXX days to receive my funds back. I also received a form letter telling me the same thing but providing no further explanation.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Reporting Act ( FCRA ), specially Sections 611 ( 15 U.S.C. & 1681I ) AND 609 ( 15 U.S.C. & 1692g ), I am writing to dispute the following colection account that appears on my recent credit report : * XXXX XXXX XXXX XXXX {$1900.00} XXXX/XXXX  I did not authorize this account and do not recognize the mentioned dbt. I request that you investigate this account and remove it from my credit report as soon as posible. 

In accordance with the FDCPA, specially Section 809 ( 15 U.S.C & 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in a accordance with the FCRA and FDCPA.
Product: Debt collection

Last year ( XX/XX/2015 ) I tried contacting XXXX that has my XXXX credit card. I 've had this card for years with them. I was running into financial hardship and wanted to notify them and see what kind of agreement we could make. I was trying to make sure that exorbitant fees were not going to accumulate. I had no problems with paying them before but everything was going to change. As of date of trying to contact them on the phone numerous times, exhausted of trying to deal with them humanely. I received the brunt of all their lies, interrogations, nastiness and no help resolving this matter. As of date i have about 28 different phone numbers from them or their " off shore '' call centers. HUNDREDS of dates and times they have called me in a very short time period. The very tiny amount of voice mails that they have left messages for me. I ca n't deal with all their shenanigans and games. They want FULL SOCIAL SECURITY number of mine. I would like to find out what I can do. This is ridiculous. Lawsuit against them. Their tactics.
Product: Credit reporting or other personal consumer reports

You are illegally reporting late payments on my consumer report. In accordance with the Fair Credit Reporting Act, you have violated my rights. Under 15 USC 1681 section XXXX states I have the right to privacy. 15 USC 1681 section XXXX section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Please remove all late payments from my consumer report and refrain from breaking the law, in regard to this matter, in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax provided an online preapproval tool and continuously ran hard inquiries across multiple lenders over several weeks as I was searching for a vehicle. The claimed it would be one hard inquiry for the entire time but that is false as I now see many inquiries. Many of the inquiries are form the same lender multiple times and is impacting my credit score and my ability to qualify based on credit worthiness.
Product: Credit card or prepaid card

Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have 14 unauthorized inquiries on my equifax credit report. I have contacted these creditors and I was told to contact equifax to have them removed. I have sent letters and called and they still haven't removed these inquiries. I am demanding that equifax remove these inquiries from my report immediately within upon receiving this letter. I did not authorize any of these inquiries. I have attached the report. 

1. Equifax Mortgage Ser XX/XX/XXXX 2. Equifax Mortgage Ser XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7XXXX  XXXX XX/XX/XXXX 8.  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX XXXX XXXXXXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.
Product: Vehicle loan or lease

I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries, they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Delete these hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove a fraud alert that was placed XX/XX/2022 off my credit report. It's stopping me from progressing in life.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent account and inquiries that I have no knowledge of
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Account Name XXXX XXXX Account # XXXX Date opened XXXX COMPANY SOLD : XXXX Status : Discharged through Bankruptcy XXXX  XXXXNever late. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used the XXXX website to obtain my XXXX  and XXXX   reports for years but Equifax is unwilling to provide my report to me. I have answered everything correctly online multiple times to request this and they respond saying I may mail in a form that contains my social security number, and other highly personal sensitive information like a XXXX and payslip. This is a ripe opportunity for identity fraud and I can not mail this in. Two people in my area have had their mail stolen, one of which was the victim of identity fraud. Please, I am seeking help accessing the data this institution is collecting about me- my credit report. I greatly appreciate your assistance. Thank you. 

XXXX XXXX
Product: Debt collection

A notice was put on my door and I contacted both XXXX & XXXX and XXXX  to try and resolve the issue. XXXX referred me back to XXXX & XXXX several times. I requested documentation from XXXX & XXXX including but not limited to information on the original debt, any terms and conditions I agreed to with XXXX, and a payment plan. 

The payment plan was provided several weeks after the initial conversation and was dated XXXX week after the initial conversation but was not delivered until XXXX weeks later. When I reached out to the via email, they ignored it several times. I then sent them a more demanding email letting them know I would file a complaint against them for bad debt collection practice and once again requesting the terms of service and this time insisting that I have an arbitration clause. XXXX & XXXX has once again ignored my request for documentation. I have an active court date approaching and I am of the belief that they do not have the right to sue me for this. 

By ignoring my requests for documentation, they are forcing me to appear in court to get a default judgement against me.