23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed XXXX unauthorized inquiries from unknown companies on my credit report that I am unaware of. XXXX inquiry is from XXXXXXXX XXXX XXXX, and the other inquiry is from US SM BUS ADMIN XXXX. These inquiries are unknown to me.
Product: Credit reporting or other personal consumer reports

Lvnv Funding LLC on XX/XX/2019 reported to XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACS IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

View customer complaints of ACS Inc. ( XXXX XXXX XXXX  ) From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information from ACS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Creditor : XXXX Our Account Number : XXXX Original Account Number : XXXX Balance : {$50.00} ________________________________________ Dear, Despite our attempts to reach you, your account remains significantly past due. We would like to assist you in resolving your collection account. Upon resolution of your account, all collection activity will be stopped. It is important that we address your account promptly. Even if you are experiencing a financial hardship, we would like the opportunity to work with you towards a mutually agreeable resolution. Please keep in mind that unless you communicate with us, we can not assist you. Please contact our office as soon as possible to further discuss your account. 
Mail : To make a payment by mail please send your payment to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Phone : To pay by phone or if you have questions about your account please call XXXX Online : To make your payment online please visit XXXX or click the button below CLICK HERE TO PAY Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXXXXXX XXXX  This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 
CO : In Colorado : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
NC : North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX North Carolina Permit # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXXXXXX XXXX XXXX This collection agency is licensed by The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XXXX XXXX XXXX my bank account at DCU, XXXXXXXX XXXX was hacked and {$11000.00} was fraudulently withdrawn from DCU branches in Arizona. Monday XX/XX/year> I called and reported this fraudulent activity to the fraud department of DCU at the contact number XXXX XXXX. I was told that they had 10 days to investigate the claim. I was contacted by the fraud department approxitmately 10 days later and was told that it was a case of fraud and that they would be reimbursing my account. To date I have not received any reimbursement nor provisional credit in my account. Upon inquiring DCU about the status of my claim a DCU representative responed that DCU has 90 days to settle this fraud case. I dont think this is correct.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my XXXX, XXXX, and Transunion credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Product: Mortgage

We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.
Product: Credit card

This is the third letter I fax to Capital One, I already called them several times but got very little help from them. 



XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ref : Capital One Fraud Department Fax : XXXX XXXX XXXX XXXX Case number : XXXX Dear Sir or Madam : I am writing once again to dispute a fraudulent charge on my account in the amount of {$9100.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
I received the first statement from Capital One on XX/XX/XXXX and I immediately called Capital One to report that I had never opened an account with your company and that this was identity theft. 
Although I have received very little information about the account, or the facts, I was informed by Capital One that the account had been opened in XXXX of XXXX using my old billing address, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
We moved from this address on XX/XX/XXXX, so the fraudulent account was opened using my old billing address when I was no longer there. 
Also, I find it very weird that if they say that this account was opened on XX/XX/XXXX that I only got their first statement on XX/XX/XXXX. 
Enclosed again are copies of documents, police report and my DL supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted her debit card information to XXXX  credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.
Product: Checking or savings account

In Early 2022, I opened a Citi Gold account from one of the referral links online, I received a deposit of over XXXX in the initial few weeks. Product was Citi Gold account and I had provided all personal information to the bank before opening. 

On XX/XX/XXXX XXXX XXXX  in the morning I received two consecutive emails from Citi Bank stating all my accounts with Citi will be closed without stating any reasons etc. I called the bank next day and they said nothing they they can help me with and that I have to wait for the letter to come in mail. I told them all transaction on my account are legit and there is no fraud or anything I noticed. Citi gold account comes with special privileges where in dedicate reps are assigned to each customer, None of my assigned manager made any contact with me over several months of account opening. 

My checking account got suddenly blocked by Citi stopping me to be able to use my own funds leading me to use high interest loans for financial commitments. I am very disappointed by the treatment provided and lack of professionalism by Cit bank staff including Senior Account reps. 

On XX/XX/XXXX ( letter dated XX/XX/XXXX ) I received a letter from Citi stating they noticed some fraudulent activity with my account and I need to call a number provided on it, when I called that number they connected me to another Citi group who then directed me to go to a local Citi branch and they cut the call on me abruptly when I asked who should I meet at the local Citi branch. This is the worst customer experience I ever had with a largest bank in the United states. 

To resolve the problem, I would appreciate if my account rep from Citi bank should contact me and inform me on next steps. I am fine with closing the account but have no idea what happens to my funds in my checking account. Some minimum level of customer care is expected.
Product: Mortgage

Ditech has acknowledged since XXXX 2016 that it has miss applied mortgage payments they received and cashed. I sent a letter in XXXX along with supported documents asking for the mortgage to be brought current, late fees removed and any negative credit rating. The company is still reporting my payment as late. Applying late fees and negative credit reporting. I have spoken to XXXX plus customer service representative since I started documenting in XXXX 2016, some who are supervisors and the matter is always acknowledge and apologized for along with a timeline for resolving the matter. ( 7days ) Ditech has sent me written in XXXX promising to resolve the issue. It 's now XXXX and Ditech continues to send demand letters for payments, report to credit agency and applied late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I SENT THE CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Product: Student loan

I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXX, Balance : {$230.00} ), XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX, Balance {$15000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

on XX/XX/2019 a representative from Simm Associates called my cell phone number which my mom answered. Representative with the name of XXXX asked for me then my mother asked him to never call the number again, informed that we have requested him to never call the number before and he continues to call. Representative then started saying " pay this bill, pay this bill and I wont call you '' my mother then asked what bill and she mentioned to him that she didn't owe a bill because she wasn't me. Representative never properly identify he was speaking with right party, he released personal and confidential information to my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

t 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 XXXX XXXX Under, XXXX5 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. XXXX gave any consumer reporting agency WRITTEN CO NT 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: Checking or savings account

The acc ount with PNC is completely inaccurate. I do not owe PNC bank this monetary charge off amount.
Product: Bank account or service

Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, XXXX
Product: Checking or savings account

I had XXXX  with navy federal and I was getting over charged for overdraft fees and they couldnt tell me why
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/year> 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}
Product: Debt collection

THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online, Buy and sell items such as ebooks, shoes, bags etc. since XX/XX/2022. My PayPal account : XXXX has stuck funds in it that I have to widraw my funds.

Thank you and Godbless. For Identity verification, I attached my valid ID. Please see my attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TN CHILD SUPPORT XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Mortgage

I've reached out to this mortgage company I was behind in my mortgage asked for statement off all delinquent charges, I paid what was owed now they are saying I still owe all these fees after they received over {$26000.00} .... Promised to be contacted by CEO nothing resolved and this has been since XXXX...
Product: Credit reporting or other personal consumer reports

The accounts listed are not mine and were not authorized to access my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.