23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I received a notification on my phone stating a phone number I was not associated with nor did I recognize was added to my account and was now receiving my anytime alerts that I typically get when something happens with my bank account. immediately called the Company ( Netspend XXXX XXXX ) & informed them I did not recognize this number nor did I make these changes to my account. As the representative investigated she informed me there was no digital footprint left that could possibly give her information on how or who did this and no real reassurances that this would not happen again since she didnt know how they did it in the first place. The only resolution she could offer was removing the fraudulent phone number which was removed and have me change my login, my email, my password, and my security question which I did immediately. She changed everything while I was on the phone with her other than the password which I changed after the call ended. This representative also charged me {$25.00} to expedite me another debit card because I couldnt have access to any of my funds until I received and activated this new car. I received the new card the next day. I had this card literally XXXX hours when these fraudulent charges came in. I again immediately called Netspend, explained what originally happened to my account and how everything was supposed to be updated and changed so to avoid this very situation Im now experiencing. According to the second rep who was handling the fraudulent charge issue stated my email, the new one, the one it was supposed to be updated to was not what she had Listed, only the OLD email that should have been removed when I called in about the alerts. She informed me it was never actually changed as it should have been apparently and only had my old email listed. The fraudulent phone number from the original issue ( the alerts ) was listed for my contact information and was able to gain access AGAIN and take my phone number completely off the account and place that number on my account for contact info. Mind you this was after the first representative was supposed to change and secure my account. They also were able to create a virtual card on my account on XX/XX/XXXX to make these fraudulent charges without my knowledge. I called in with the first original complaint ( the alerts ) on XX/XX/XXXX. If the rep had done her job properly this individual who had made these fraud charges should not have been able to gain access a second time, make changes to my account and make fraudulent charges using the virtual card they created causing an almost {$300.00} over draft and leaving me with XXXX dollars for at least XXXX XXXXays, possibly XXXX business days with XXXX funds and nothing coming in until at least that time. This could have easily been prevented had she done her job properly
Product: Debt collection

Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX student loans, credit card Upon reviewing my credit report, I noticed several discrepancies in the following account : Creditor/Agency Name : Account Number : The specific inaccuracies I have identified include : 1. Incorrect Name : The name associated with the account does not match my legal name.

2. Wrong Account Amount : The balance being reported is inaccurate.

3. Incorrect Address : The address associated with this account is not mine or is outdated.

4. Account Ownership
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I foundthat under section 605b of the FCRA you are required by law to remove & block any itemswhich 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 and the bank 's records ( learned throughmore research both parties require ). Please block/remove these files. If you feel there is apossibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that eachitems are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide anyrecords & claim the item is verified please understand I will seek legal action. I do not takekindly to games nor does my attorney. SO please comply with the law so this matter can behandled swiftly. 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 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: Debt collection

The XXXX XXXX, after agreeing with me to renew my automobile policy and having paid said amount, one month later and unilaterally decided to increase the monthly amount to be paid ; I did not agree no pay said difference and decided to cancel said policy. Reason why they discriminatory decided to send me to Collector.
Product: Credit card or prepaid card

This is a follow up from complaints XXXX, XXXX, and XXXX. Per Goldman Sachs reply to the last complaint, they believe they have fixed my account by backdating the payment to reflect the correct date and refunding all of my interest, which they have indeed appeared to have done. 

Unfortunately, it seems that in the process of making those changes to my account that they have messed up a promotional purchase offer from the Apple Store. This purchase was made in XX/XX/2022, for {$790.00}, to be paid at 0 % APR over two years, with monthly installments of {$33.00}. On my most recent statement this balance now shows as paid off and my total due is {$950.00}. This is incorrect. There should be a remaining promotional balance of {$590.00} and my " pay in full '' amount for XXXX should be {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have I laid it my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 16 84 168 Account XXXX : XXXX  acct # XXXX ( acct name : XXXX  # XXXX name ; XXXX. Acct # XXXX & XXXX names XXXX XXXX acct # XXXX : acct name : XXXX  : acct # XXXX ; acct name XXXX  XXXX  Acct # XXXX ; acct name : XXXX  15 USC 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 it's also States consumer reporting agency can not furnish an account without my writ instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer reporting containing any of the following items and information any other adverse item of information other than records of conviction a crime which antedates The report by more than 7 years 15 U.S.C.1681s-2 ( A ) ( 1 ) person shall not furnish any information related to consumer to any consumer recording agency if The person knows or has Has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Last four XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts XXXX sent certified mail. they sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Student loan

In XXXX I apply and received a XXXX XXXX from XXXX XXXX now Navient. On XXXX I did a Bankruptcy and Navient was listed as XXXX of the creditors. The issue is that Navient have not discharge the debt as ordered by United States Bankruptcy XXXX in XX/XX/XXXX. 

On XX/XX/XXXX received a letter from XXXX XXXX XXXX a collection agency for Navient requesting payment of the debt. On the letter it stated that I had until XX/XX/XXXX to dispute but the agent called and asking what I am going to do about the debt. I called Navient and the agent at Navient gave me a email address to contact them but have not received a response.
Product: Credit card

I had 2 fraudulent charges on my account with Chime Financial. I filed a dispute in XXXX and at the time I filed the dispute. The company had closed my account and both transactions were for {$2500.00}. I got credit back on my debit card and they never credit me back the other {$2500.00} at the time they closed the account tied to my debit card.
Product: Credit reporting or other personal consumer reports

I am writing to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of items that needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX & XXXX XXXX Balance : {$760.00} XXXX XXXX XX/XX/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 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/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with the required reporting parameters, thus the data provided in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection {$660.00} XXXX XXXX Collection {$660.00} XXXX XXXX XXXX XXXX Collection {$950.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$950.00} XXXX XXXX Collection {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$230.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Charge-off {$6300.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged an annual XXXX membership fee to my Citibank Costco credit card without knowledge. They stated they sent statements to me via email, however, they would have received an undeliverable message as this was a business account, and I had lost my job due to Covid in XXXX of XXXX, resulting in the email address being terminated. It took six months ( while late fees accrued over-and-over ) for Citibank to use the information they had on file the entire time, and contact me! They finally called my phone number and mailed a late notice in XXXX. By the time I became aware of this charge not only did I have several months of late fees, but the credit account was closed, and my personal credit score had decreased nearly 100 points! My calls to a few different departments resulted nothing. I have had many credit accounts in my 48 years, but will never do business again with Citibank as I find their business practices don't protect the consumer, but actually show intention to result in their own financial gain ( isn't that the definition of fraud )?!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- 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 TRANSUNION 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Debt collection

Never received bill for these services which should have been paid by my insurance. I wasn't aware of this bill until I pulled my credit report 7 months ago and saw this was in collections, negatively effecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to experian for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.
Product: Vehicle loan or lease

The vehicle was in Hurricane Harvey I have paid on the car to save my credit however I can no longer afford 2 cars the car was to be paid off by the insurance company in which I was told my coverage had lapsed at the time. I'm need this corrected on my credit report as a natural disaster so I can keep the little credit I have intact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged off.