23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request a correction of the following information that appears on my Equifax, XXXX, consumer report : The Account XXXX opened on XX/XX/2018 Is Inaccurate due to the balance owed the report shows I currently owe {$3800.00} to your company that I have already paid for the debt. XXXX XXXX XXXX XXXX was written off as a taxable debt by XXXX XXXXXXXX the original debt holder. With that being done a 1099c was supposed to be mailed to file on my income tax because debt is no longer considered debt by taxable income. I wanted this removed from my account immediately.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by the XXXX XXXX, the platform XXXX XXXX using the domain XXXX which involved me making deposits for a total amount of {$270000.00} USD worth of USDT from my Coinbase account to fraudulent investment firm ( s ). 
I should also note that Coinbase has been charging me {$29.00} each month for Coinbase One although they blocked my Coinbase account 12 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know how they got there. I routinely check my report, but this time, there were unexplained discrepancies. Hoping it was just a system error, I refreshed my browser, yet the incorrect information remained. Because of this, I am requesting a detailed review of the documents I provided to ensure this issue is permanently resolved.
Product: Credit reporting or other personal consumer reports

my payments on my car loan haven't been updated and I reached to someone last year and still haven't got a response on the mislead information documented. it says I missed payments from XXXX to now and I pay my car loan every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX bal. {$840.00}, XXXX bal. {$7300.00}, XXXX bal. {$150.00}, XXXX bal. {$2100.00}
Product: Debt collection

We keep receiving phone calls from different phone numbers ( the most recent was XXXX ) informing that there is a " case '' on file that they intend to move to the court if not settled. The last voice message they left asked to call them @ XXXX to talk to their consultant. We didn't call as we have no legal cases with whoever it could be. And we have no intention to talk to them. If there is any issue we want have everything on paper first. 

These calls are repeated for long time during the last few years. 
We have no known to us issues with any vendor or service provider nor received any mail in any legal case. Internet research shows the phone number XXXX is often used by the company FFAM 360 First Financial Asset Management ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ). The research also showed that there was a lot of similar to my complaints against this aggressive, harassing practices on behalf of this company. 

We do believe such practices should be stopped and prosecuted if continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Service with account number XXXX  is reporting my account on XXXX  as Foreclosure proceedings started as of XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

But then they also list the account as 180 days past due as of XX/XX/XXXXXX/XX/XXXX6, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX toXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XX/XX/XXXX

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that IdentityTheft.gov is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit.

In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. They ( equifax ) say I may have been impacted, so my SSN, DL, DOB, and potentially credit cards may be up for sale and essentially public.
Product: Credit card

when i looked at my citi business card balance i noticed a {$59.00} charge from a company i have never heard of or done business with posted on XX/XX/XXXX. when i tried to dispute citi gave me a secondary box leading me to believe it was a monthly recurring charge and then gave me an error message when i click dispute. when i call citi on the number on the back of this card someone answered and asked what the issue was which was a charge dispute he then told me i was not in the business card department and transferred me to a new que with a XXXX minute wait. and did not assist me nore was i able to submit my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any  discrepancies. I notified the credit bureaus, but no changes were made.
Product: Mortgage

I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.
Product: Bank account or service

As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.
Product: Checking or savings account

On the date of XX/XX/year> we got approved to rent a house, and they send me the lease to sign and pay for the Secured deposit fee, I paid in full {$2100.00}. After that they deleted the account and resent it again, had to sign it again and I paid again, thinking they would refund my money as soon as it clears. They did not give me my money back. The excuse was they never received the money, I called the bank again, and they told me it the claim was denied, to contact XXXX XXXX XXXX XXXXXXXX to refund me the money.
Product: Credit card or prepaid card

My wife from whom I separated and flied for divorce in XX/XX/2021, opened two credit cards with CitiCards in my name without my knowledge or permission. She has since admitted to me that she did. 
The first card appeared on my credit report on XX/XX/2021. 
I reported the issue on identitytheft.gov.

Unable to find a phone number of CitiCards to report the issue, I sent CitiCards a letter on XX/XX/XXXX to the address listed on the credit report, demanding that they close the account and that they accept that I am not responsible for the charges. They have not responded to that letter since. 
I also reported the issue to the police of XXXX, MA on XX/XX/XXXX, but have not heard back from them. 
I have since been able to obtain statements for both cards. The first has a credit limit of {$3600.00} and as of XX/XX/XXXX, a balance of {$3500.00}. The second card has a credit limit of {$2000.00} and as of XX/XX/XXXX, a balance of {$1700.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received communication from PayPal accusing me of violating PayPal 's Acceptable Use Policy and subsequently permanently blocking me from doing business with PayPal. 

After a thorough review of PayPal 's most up-to-date version of the Acceptable Use Policy, I unequivocally denounce any wrongdoing or violations of this policy. 

I have never disputed a transaction, never chargedback a PayPal transaction with any of my banks, none of that. 

PayPal does not provide any method of appealing the decision ( which was likely an automated decision to begin with ). Many online merchants only offer PayPal as a payment method, so PayPal 's misguided decision to cease business with myself creates a problem that is beyond the scope of directly transacting with PayPal itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX ( XXXX ) confirmed my XXXX XXXX Student payment in the amount of XXXX  $ and sent me an email stating the payment was successful. XXXX XXXX then mistakenly tried to use a 5 year old ( closed ) checking account to make that payment which did not go through and never sent me an email notifying my of a problem. 

On XX/XX/XXXX XXXX XXXX reported all 14 of my combined XXXX loans tied to my single account as late dropping my credit score 200 points. I have not been reported late in 7 years of payments until now. 

On XXXX I contacted XXXX XXXX  and was granted Retroactive Forbearance for the issue, but not explanation of what caused the issue and no explanation of why I received an email confirming the payment was made but no email notifying me it was rejected later. 

On XX/XX/XXXX XXXX XXXX denied my request to remove the late report on my credit report and gave me no explanation to why or addressed my claims. 

I am requesting help with getting this one issue removed from my credit report. 

XXXX XXXX
Product: Vehicle loan or lease

I totaled my used XXXX XXXX on XX/XX/XXXX which was/is financed through Carmax Auto Finance XXXX My car insurance is through XXXX. 

The vehicle was declared a total loss and after contacting Carmax for the payoff on XXXX XXXX issued Carmax the full payoff for {$34000.00} and XXXX issued me the remaining {$20000.00} for my loss settlement. 

Carmax claimed they never got the check so we sent it again on XX/XX/XXXX for {$34000.00}. 

In the mean time I paid CARMAX for XXXX and XXXX payments of {$680.00}. 

Both XXXX and myself has called carmax a plethora of times between XXXX, XXXX and XXXX as I want this loan/credit trade line removed from my credit report so my score updates. 

Throughout multiple conversations with multiple representatives they told me I'd be getting a refund for my warranty and GAP insurance and advised me to turn off auto pay since they are not reporting to the credit agencies anymore. 

They did not cash the second check sent to them all of XXXX so XXXX contacted them and they told us we had overpaid that's why the checks kept not going through from XXXX to Carmax. After XXXX received the updated payoff from Carmax ... a third check was cut to Carmax Auto Finance from XXXX on XX/XX/XXXX for {$30000.00}. XXXX on XX/XX/XXXX then issued me the difference of {$4300.00}. 

Carmax Auto Finance then mailed ME a check for XXXX in the middle of XX/XX/XXXX?? 

The last time I called them was on XX/XX/XXXX where none of the representatives still have an answer. They claim they are still trying to reconcile the account and something was looking off where it shows I still owe roughly XXXX. There is NO REASON there should be this many money exchanges ... or this account still hasn't been fully closed. No one at Carmax ever has an answer and earlier this month they said they are " still working on it '' and someone would call me. Carmax has not called me at all. My insurance claim and account with Carmax are both still open and what is possibly taking them 4 months to close a simple account we have tried to close correctly?
Product: Payday loan, title loan, or personal loan

My information was fraudulently used to apply for a loan. I called to have the application closed, and to be sure that my personal information was disposed of safely, and that my account was closed as fraud. they gave me the run around, and didnt have anyone that would help me, customer service wanted me to call the department, yet no one would help her.
Product: Debt collection

I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and i noticed an account on my report with a late payment. Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports. 

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) under the Exclusions clause states that, the term " consumer report '' does not include... any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers report.