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

I have notified Experian multiple time regarding Identity Theft, I have sent FTC Id Theft Affidavit, Police reports and Copies of the original creditors that states that the account are fraudulent via certified mail XXXX however, Experian continues to ignore my request for blocking the fraudulent accounts as required by FCRA section 15 USC 1681 Experian continues to say that I obtained good and services without proof, those allegations are defamatory. I will attached in this compliant the letters from some of the creditors. XXXX. XXXX XXXX email XXXX XXXX. XXXX Bank which the account got sold to XXXX and XXXX Bank which account got sold to XXXX as well. 

Experian is clearly violating the law with complete disregard ( XXXX ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall.

in wich case i have Done so, however, they have said that i obtained goods and Services with no proof. Defaming me. I will consult with an attorney if this is no solved in 10 days
Product: Credit reporting or other personal consumer reports

I am contacting you to address several concerns I've experienced with the credit bureau. These include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that I do not recognize as mine. 

I would greatly appreciate your help in resolving these issues to protect my financial stability.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I requested a withdrawal of XXXX eur from my Coinbase account to my bank account. Coinbase sends me an email indicating that the money would be in my bank on XXXX XXXX. Today I still do not receive it in my bank account. I contacted the Coinbase support team but received no response
Product: Debt collection

Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks XXXX
Product: Consumer Loan

I filed bankruptcy in XX/XX/XXXX ; my car loan through Santander from XX/XX/XXXX was included in the bankruptcy. The debts were consolidated, and I applied for a car loan again through Santander to begin working on my credit. We successfully discharged our bankruptcy XX/XX/XXXX ; however, Santander locked me out of my online account for my NEW car loan, and stopped sending me bills. The only way I can pay is to call them ; this good credit also does NOT appear on my credit report at all. I 've called three times, and my bankruptcy law firm has called once, but the company says it is up to them whether to send information to credit agencies or not. I think they are confused as to which account I am referencing. I am not sure what to do ; I am currently sending a certified letter, but other than that I do not know what to do. I wanted this loan to help my credit. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I  received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX - XXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.
Product: Checking or savings account

Subject : Request for XXXX 's Assistance Regarding AfterPay Issue To Chase and CFPB, I would like to acknowledge that XXXX with Chase rightfully handled my concern regarding the XXXX XXXX, XXXX issue, where she clearly stated that she would provide a refund. XXXX also assured me that she would address my other issue related to XXXX. However, instead of XXXX, I received a call from someone named XXXX, who was very difficult to understand. Despite my repeated attempts to explain that I couldn't understand her, she continued to call, showing a lack of respect for my request to have XXXX handle the matter. 

This situation has gone on for far too long, and I respectfully ask that XXXX contact me directly to resolve the issue. Additionally, XXXX, another business involved, had initially agreed to a full refund but later reneged on that agreement. 

Please have XXXX reach out to me at your earliest convenience to address these concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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 information 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
Product: Credit card

On XX/XX/XXXX, I attempted to use my AMEX on an international purchase for reservations abroad for roughly $ XXXX. My balance at the time was paid in full in prior months and I had an outstanding balance of around $ XXXX from prior usage. 

This card was tied to a transferred account from my mother, who passed away in XXXX XXXX ( see attached death certificate ). The timing of the transfer occurred in XXXX timeframe as her estate was being settled. 

Upon attempting to make my reservations online, I received an on-line " XXXX XXXX '' notice requesting a verification code for input. However, the verification code was being sent to my deceased mother 's old cell phone. I called Amex to inform them of their error, they acknowledged that they had all of my personal information, including my current cell phone, but security purposes, could only send the verification code to my deceased mother 's old cell phone number. And, they would continue doing this for 90 days following the date of transfer " for security purposes. '' At no time did Amex disclose to me that as a condition of accepting the transfer of my mother 's account and that I would need to also carry her cell phone for 90 days in order to fulfill a XXXX XXXX verification process. 

Additionally, at the time of attempting the transaction, I was on the phone with their customer service representative, who was able to validate my identity in real-time and directly. And, could see that I was trying to make the transaction. I had all of the requisite personal information and credit capacity under the XXXX XXXX XXXX XXXX to make a transaction, yet AMEX was unable to fulfill on their promise. 

As a result of inadequate operational/security controls, the card is rendered at best unreliable ( when would XXXX XXXX be triggered vs. not triggered since I used the card at other times ) and in this particular case, unusable. And, as a result of inadequate notice, a credit-worthy customer with track-record of timely repayment ( I had just repaid @ $ XXXX the day prior ) was unable to access credit. 

In the context of this situation, Amex 's " security '' process requires a deceased individual 's cell phone service to remain active with additional costs to the estate to be incurred. And finally, the process is painful for the new accountholder, as it would require the new accountholder to carry around their deceased mother 's cell phone on the off-chance they may need it to authenticate a future credit card transaction. This is absurd.
Product: Credit card or prepaid card

credit card company : CITI Cards / Best Buy Visa XXXX Acct Number ****** XXXX XXXX XXXX XXXX XXXX ) XXXX The Merchant, XXXX XXXX, retained my credit card information from a prior purchase without my knowledge and charged a " surprise '' an unauthorized transaction to my account on XX/XX/2020 in the amount of XXXX. There was never an agreement or permission for future charges with this company which is about 800 miles from where i live. I have had no reply from the merchant to remove the charges. The credit card company has failed to find favorably on my behalf even though I reported the unauthorized and fraudulent transaction timely and it writing. The Credit Card company has told me on the phone they will resolve it, but then in writing tells me they find me responsible without explanation. The one and only transaction with this company was on XX/XX/2020 in the amount of XXXX which has a signed charge slip that has been notarized. No other transactions have been signed or authorized. The guidelines simply state in matters such as these, the credit card must find favorably for me. Please instruct the credit card company to remove these unauthorized charges from my account without penalty or delay. No request has ever been made from merchant and emails have gone unanswered. 

Additionally, copies requested of all paperwork have not been forwarded to me. As such, dealer and finance company have not properly disclosed regulation Z. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems like these late payments dont align with how I normally manage my payments,
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by CITI Bank On XXXX applied for XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST ACCOUNT NUMBER 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: Checking or savings account

Money was taking my from my account on XX/XX/year> just send me a statement ID which is XXXX everything that was charged on XX/XX/XXXX was not me there was at least five purchases I just would like my money back from chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, XXXX, has reported a fraudulent account on my credit report
Product: Mortgage

Our Mortgage company said we didnt have adequate homeowners/hazard insurance and said if we don't show proof they will add it to our payment escrow account. During XXXX I believe 2023 after we added the certificate to their web porter they still added the coverage even though they confirmed that they got it. Many months later in XXXX I get a mail letter saying that soon we need to get another insurance since they added it already. I checked my automatic payment thinking taxes went up on my escrow account payment and discovered they added the insurance even though I proved it and they confirmed it. I called in multiple times with no luck. I called again and got someone and they did say they discharged and that it would take another 30 days and the fees might be less for my refund. They stated they refunded {$880.00} on XX/XX/23 and {$250.00} on XX/XX/23. They said they would have to do another escrow analysis in 1 week of XXXX and then they were not sure the exact refund I would get 5 days after that. They keep telling me different things and different amounts. I think they need to be audited they added this for no reason how can I add interest to my money. They told me they have thousands of customers and it's the holiday and this could happen sometimes. That is unbelievable. Please help
Product: Debt collection

on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 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 card or prepaid card

I am signed up for alerts on activity under my SSN through my current Discover card. On XX/XX/2023 I received alerts for 3 different hard inquiries using my information. On XX/XX/2023 I received a text from XXXX XXXX notifying me that a credit card had been issued and would ship out soon. I was out of the XXXX from dates XX/XX/2023 - XX/XX/2023. Upon arrival home I saw letters from XXXX XXXX XXXX, Discover, and XXXX XXXX XXXX XXXX notifying me that the applications with them had been denied. I have contacted XXXX XXXX and started a fraud case with them to get this card shut down. I have contacted XXXX, XXXX, and XXXX to freeze my credit.
Product: Checking or savings account

On XX/XX/year>, I purchased a flight from XXXX to XXXX XXXX with XXXX XXXX for a total of {$440.00}. Unfortunately, my wife and I encountered a deeply troubling and emotionally distressing situation due to the actions of a XXXX XXXX agent, which ultimately caused us to miss our connecting international flight to XXXX. 

We arrived at the airport well over an XXXX XXXX XXXX XXXX before our flight 's scheduled departure. Despite arriving with ample time to check in and board, we were told that it was too late to check our baggage and board the flight. I requested to speak with a supervisor, and the agent at the front desk claimed to be the supervisor. She informed me that while I could still board the flight, I would not be able to check my baggage due to failing to check in online prior to arriving at the airport. This information was completely false. I had checked in online via the XXXX XXXX website well before arriving at the airport, and there was plenty of time to check our baggage and board the flight. 

As this was a connecting flight for an international trip to XXXX, where I would be staying for several XXXX, it was impossible for me to board without my checked baggage. The refusal to allow us to board with more than enough time before the flights departure and to complete necessary security procedures was utterly unfounded. The agents behavior felt discriminatory and prejudiced, as it was not supported by any reasonable or professional explanation. In my view, the decision to prevent us from boarding was based on an unjustified bias rather than any logistical or procedural reason. 

This experience not only caused us to miss our flight to XXXX XXXX but also left us in an extremely stressful and emotionally taxing situation. We scrambled to find an alternative flight to XXXX XXXX in an attempt to catch our international connection, but we were unable to find any available flights on the same day that would have allowed us to reach XXXX XXXX in time. As a result, we missed our international flight to XXXX, which had already been fully paid for at the cost of {$2700.00}. Unfortunately, due to the proximity to the departure time, we were unable to receive a refund for the international flight. 

The emotional and financial impact of this incident has been significant. Not only did we experience the distress of missing a critical flight, but we also had to incur additional costs of {$3200.00} to purchase a new flight. This situation was deeply upsetting, and the unprofessional conduct of the XXXX XXXX agent added to the emotional burden we faced during what should have been a routine travel experience.
Product: Debt collection

I am writing to file a formal complaint against United Revenue Corporation for inaccurately reporting two accounts on my credit report, which I believe are a result of identity theft. These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Details of the Disputed Accounts : Account Number : XXXX Reported Amount : {$1900.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never conducted any business with United Revenue Corporation. Furthermore, I did not authorize the use of my Social Security number for these accounts, which strongly suggests that they are the result of identity theft.

Violations of My Rights Under the FCRA : Right to Dispute Inaccurate Information ( 15 U.S.C. 1681i ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and require that the reporting agency conduct a reasonable investigation into these disputes. 

Unauthorized Access to My Credit Report ( 15 U.S.C. 1681b ) : Access to my credit report is restricted to entities with permissible purposes. As these transactions were unauthorized, they constitute a violation of this provision.

Protections Against Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) : Identity theft is specifically addressed under the FCRA, which provides protections against the reporting of fraudulent accounts. 

Obligation to Provide Valid Proof of Debt ( 15 U.S.C. 1681s-2 ( b ) ) : United Revenue Corporation is required to provide valid proof of any claimed debt and investigate disputed accounts.