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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( 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 XXXX, XXXX, 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 a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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: Checking or savings account

I opened a new account with the app- Albert ( XXXX XXXX  XXXX with a referral code from a friend in order to qualify for their promotional offer of {$500.00} for completing activities ( direct deposit for 3 months and spending at least {$100.00} on the debit card each month ). I opened the account and transferred money from my XXXX account on XX/XX/2022. I received the card in the mail and activated it and used it twice. I had a direct deposit sent to me. Last week on XX/XX/XXXX, I couldn't log into the app, after even doing a password reset and I contacted support to assist me. After going back in forth in both text and email, they told me I was not in compliance with their rules and they would be shutting my account with no further information. I can not get an actual person on the phone, and through the text service they keep apologizing and then telling me to be patient. Then they follow up saying no further information can be given, after I have repeatedly asked them to confirm how my funds would be released to me. They are refusing to cooperate. I'm really upset, I did nothing out of the ordinary and I suspect they are closing the account out of overselling the promised bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : DATE OPENED XXXX XXXX, Account status pays as agreed. XXXX XXXX XXXX, Account number : XXXX, delete asap not responsible for this account.
Product: Debt collection

Pro Collect attempts to collect on debit. Id theft Violation of Federal Law. Debit not mine. Pro Collect keeps read inserting that not old violation of federal law. 

Pro Collect {$1200.00} XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account opened on my credit report that does not belong to me and is being reported as negative on XXXX, XXXX and Experian. 

The account is as follows : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX The account has been closed as of now, but it was never opened by me. 

I have tried to ask XXXX, XXXX and Experian to remove it from my Credit Report as it's affecting my credit history negatively. I have sent them XXXX letters asking them to remove the negative information from my Credit Reports. There is a completely illegitimate address also associated with that account, which furthermore shows I have not opened this account and the XXXX has not provided any proof of the card application or anything with my signature.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX someone accessed my XXXX account and stole XXXX dollars from me and Bank of America XXXX refused to refund me the money even though its not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 card or prepaid card

On XX/XX/2022, I contacted XXXX XXXX to take a course. Less than a w week later I have to cancel On XX/XX/XXXX, I contacted XXXX to take the XXXX course. I was contacted almost several hours within a day to make a decision. After I made the decision, a week before the course started after paying a total of {$1800.00} to XXXX, I had a death in my family. I contacted the representative who informed me that I can cancel and all funds will be refunded due to my state of grieving. In addition, on XX/XX/2022, I had technical issues with accessing the website. Each time I tried the access the platform, I was under the impression that it would work, I contacted XXXX and was told to reach out to " Please raise a ticket on the Dashboard where you can see the help section. '' I did and no one responded. 

I switched using XXXX and tried XXXX XXXX. The sit worked for 5 mins and then stopped. Dealing with the grief and was assured by the representative that since I have not started the course, then I would be refunded. I informed the representative, who identified himself as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX, he assured me that the refund was completed based on the circumstances. Several weeks later, XXXX, re-charged my brother 's credit card for {$1800.00}. 

I contacted the merchant several times via emails from XX/XX/2022, to as recently as XX/XX/2022. To date, no one has contacted me to resolve the issue or attempted to offer me credit of any sort. Instead, they kept my money using some lame excuse of course access. Each time, I log in with the technical issues I experienced accounts for course usage really? 

I once again contacted XXXX, no one is answering the phone and it appears they are able to get away with my money without any intervention. This is unfair and unethical. Even with the email proof I sent. 

My brother and I contacted American Express and they stated they would assist us in getting our money back, to date. XXXX has yet to offer full credit for a course I have not taken. At no time, did they disclose the terms of usage or informed me that I would not have my money back. I hold American Express responsible for violating the Do No Harm principle in business transactions. 



INVOICE AND RECEIPT INVOICE # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, United States NA BILL TO : XXXX XXXX XXXX | XXXX ORDER # : XXXX ISSUE DATE : XXXX XXXX TOTAL : {$1800.00} COURSE DESCRIPTION PRICE ( $ ) QTY TOTAL ( $ ) XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX TRAINING TYPE : Online Bootcamp XXXX  : XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX X XXXX = XXXX
Product: Credit reporting or other personal consumer reports

I pay a service on Experian credit website ( www.usa.experian.com ) which will list my credit scores, inquiries, credit cards in active mode etc from all XXXX bureaus, such as themselves, XXXX and XXXX. Now for some reason XXXX wont allow me to sign in so I gave up even trying. However, I printed out all XXXX inquiry data information starting with Experian ( main holder of information ) and litterally printed and mailed out to each company the information of outdated inquiries, Experian at least updated their side but XXXX and XXXX did not, PHONE CALLS : I called both parties several times, both have STATED they have no attachment to Experian, however when they logged in and seen the Inquiries they stated no such out dated material is there, So what ever is going on its either over looked or there are scam hackers hiding and causing this problem. Would be a glorious day if Federal could get the IP 's of these losers and cut them off completely from the internet but then everyone screams that XXXX  XXXX XXXX XXXX garbage, I guess that covers outside countries to have their way with others for kicks. XXXX - your XXXX XXXX XXXX 
So I took screen shots of the last XXXX Bureaus to show the proof. These are supposed to be removed but someone just doesn't want to follow procedure. Either way, you can go wreck your own life, stay the XXXX out of mine. I bow to no one!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2022 Citi Bank Failed to activate my new card that will be used to book travel for family vacation. 

Customer service call center was not helpful at all and not willing to provide assistance to solve the problem.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Resurgent/LVNV : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
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 {$0.00}, {$3600.00}, {$730.00}, {$750.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a payday advance through the Earnin app. I put in my email and did the entire process and it said I was approved for XXXX I connected my bank and it said I had a previous account. It took my bank account information and has it set up to take XXXX dollars of a past loan I did not authorize from an email address that I did not use to XXXX XXXX for the date I stated, Someone used my XXXX address apparently in the past, and now Earnin is attempting to take money using my checking account I did not give authorization to
Product: Consumer Loan

I have a car loan with Santander Consumer USA, and recently realized that they have been applying over payments to fees and charges, instead of principal as I have requested. I specifically called in and asked them to apply the payments to principal and was told different things by different reps. Most reps told me that the system did n't allow it, and if I wanted to make a principal specific payment, I had to do it separately. My contract only states how normal monthly payments are applied, and does n't state how overages are applied, so it does n't even address this is the contract. I have spoken with several departments, and just got off the phone with a rep in the " office of the president '' ( last escalation department? ) and was still unable to get it resolved. I would like the accounting department to go back and reapply my overage payments to principal, not interest, from the beginning of the loan, and fix their system so it provides the capability to do that in the future for all of their customers. 
Thank you, XXXX
Product: Credit card or prepaid card

I opened a home depot cc on XX/XX/XXXX. It is issued by Citibank. I used the card until XX/XX/XXXX, when citibank issued a fraud alert and blocked the card from all use. I got the card for a home improvement project. Since then I have called 6-7 times in order to resolve this issue, they tell me they are unable to verify the information. I have offered to fax info to verify my identity. So now I do not have access to my account and i am receiving no help from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian file an dispute. The balance on my XXXX XXXX  account is XXXX. After the dispute result Experian said XXXX claim the balance is XXXX as of XX/XX/2019 this is not true. This has affected my credit rating very badly.
Product: Credit reporting or other personal consumer reports

I appreciate once again the time you have dedicated to rectifying the fraudulent items present in my file, stemming from an alleged identity theft. Despite previous efforts, certain items still persist, necessitating their removal. As a continued victim of identity theft, I am submitting this request for the elimination of the remaining items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Your obligation, as stipulated by the aforementioned regulation, is to effectuate the removal of such items no later than four business days subsequent to XX/XX/XXXX. This matter has been previously highlighted in my complaint, and I reiterate it here along with a new FTC Report # XXXX. It is crucial to emphasize that the information pertaining to these items is unknown to me, having already been expunged from other bureaus. I harbor reservations regarding the reporting accuracy within my file and urge you to expeditiously remove these remaining fraudulent items from my credit report. Regarding the items listed under EXPERIAN : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX regarding their failure to report an account that was verified to them by Credit Rent Boost. Despite providing all necessary documentation, XXXX is refusing to include this verified account on my credit report, insisting on the inclusion of an outdated address where I no longer reside. 

The reporting of this account is critical for my financial profile, and its absence is having adverse effects on my credit standing. Despite my diligent efforts to address this matter with XXXX, they have not taken appropriate action to remedy the situation. 

I have attached XXXX 's response to my complaint, despite submitting all required documents as per their request. 

I urge the CFPB to intervene and compel XXXX to immediately report the verified account to my credit report without any further delay or unwarranted demands. It is imperative for the accuracy and completeness of my credit history. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to resolve this issue promptly.
Product: Mortgage

Late payment In XX/XX/XXXX of county taxes that had been in escrow. 

Non reporting to Credit bureaus. Asking for reaffirmation of Bankruptcy when it's been done in XX/XX/XXXX XX/XX/XXXX
Product: Credit card

To whom it may concern, As a former Capital One employee ( husband was too ), who actually believed the company meant they wanted to Change Banking for Good I am extremely disheartened about my account and the treatment it has received. I received notice that my account was closed for activity on this account or another account. I dont have another account and this account the only activity I have had on it for quite some time is just payments. The following are actions I think are very unfair, very deceptive, abusive, and quite frankly a horrible customer experience : Charge me the {$95.00} Annual Member Fee on XX/XX/XXXX o Close my account two weeks later, but not refund the {$95.00} Close an account that has been open for XXXX years, no missed payments, with a generic closure reason detrimentally impacting my credit Charge XXXX XXXX Interest Rate that has essentially my whole payment each month going to interest o How come you dont offer Financial Relief Programs like other creditors who are known to be aggressive like XXXX who offers XXXX XXXX interest on your balance, with a restricted card until it is paid in full. 
Charge {$40.00} late fee on a late payment with no ability to get it waived. This only furthers the negative financial impact on me I understand I will probably get a form response that says our cardmember agreement allows it, you owe us the money, thanks. That will be very disheartening to me, and will really show Capital One doesnt care about its cardmembers and is just chasing profits. My request is as follows : Reopen my card, with a reduced interest rate, and can restrict it until the balance is paid in full If you wont reopen my card, change it to Closed by Customer because had I known you would close arbitrarily I would have done it prior because it impacts your credit. 
Reduce my interest rate to XXXX XXXX  or less so I can actually pay this card off, I am a mother of two kids so every dollar counts Remove the {$95.00} Annual Fee Remove the late fees charged to me in XXXX Thank you for your time and I look forward to hearing from you via the CFPB complaint process.