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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I asked them to delete an unauthorized & unverified account, legally by law according the FCRA this account should be removed from my credit reports.
Product: Credit card

1. My credit card was used without my consent ( cyberattack ).

2. CITICARD said they would send me dispute paperwork. They never did.

3. It took 7 MONTHS for them to accept the fact my card was used fraudulently ; I inquired with company where said purchase was made online. Said company sent me documentation that they were convinced it was FRAUD, so they reimbursed my CITICARD 10 days after purchase. CITICARD CONTINUED to send me statements to COLLECT MONEY that truly was not owed.

4. I recently received a letter from CITI stating they were erroneous with the fraudulent charge. However, CITI is charging me INTEREST on a fraudulent charge -- -it states on my credit report.

5. Today, XX/XX/year>, I called CITI and spoke to XXXX - badge # XXXX she could not help me, was transferred to XXXX - badge # XXXX, she could not help me; transferred me to someone else who would not spell her name nor give a badge number. 
6. Today, XX/XX/year>, I called CITI SECURITY OPERATIONS ( FRAUD DEPARTMENT ) and spoke to XXXX - refused to give me any ID # ; she told me my account was " archived '' and there is no record of me on file, even though I gave her my name, my new card number, and my address. REFUSED TO HELP ME.
Product: Credit card or prepaid card

Customer service for aspire is over seas. Unfortunately when companies go cheap they sacrifice quality and lose customers. I was told on a recorded line 3 times this year including one time today that my credit card was 1 % cash back. I didnt remember signing up for that so I asked a few months ago to be switched to thta 1 % card. I was assured that my current card was in fact 1 % cash back. I closed my account because of this kind of service. Rather then try arbitration or go to court over XXXX I believe its best for the cfpb to handle the problem. If aspire wants to fix this by offering me the same card with 1 % I will accept that solution otherwise I prefer not to do business with aspire after this sour bitter taste left in my mouth
Product: Credit reporting or other personal consumer reports

Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling XXXX, Equifax, XXXX and XXXX. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexus twic

e, one by mail and once by phone. The company has failed to take action to comply with the California rights to privacy. They have made the website not work with intent to harm California residents as they get paid to report information and do not want to delete my opt out request and correct the file. I am requesting help as they are not resolving the matter. Copy of second Letter to Lexusnexus has been
provided for support.
Product: Credit card or prepaid card

I was misinformed of the purpose of this card. I went to purchase a pair of glasses that cost {$1000.00} dollars on XXXX XXXX, 2016 and paid it in full. Then was informed that I could sign up for Citi Health Card Dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC is reporting a fraudulent debt on my credit report. They have been provided with identity theft reports and notices to cease reporting false information. They have been unable to verify charges or debt responsibility.
Product: Credit card or prepaid card

On XXXX XXXX I received an Email from Citi Bank telling me they needed to speak to me. Being hard of hearing I had my wife contact them, with my permission, to find out what was wrong. They told her that they believe my credit card had been used fraudulently. She asked for the names of the charges which they summarized and they were not made by us. They closed the account and reissued a new card. They opened a Identity Theft Case on XX/XX/2022. They sent us an Affidavit of Fraud form to fill out. They told us to make a minimum payment of {$35.00} in good faith of which we did. When I got the bill I filled out the Affidavit attached a Police Report and a Identity Theft Report with The Federal Trade Commission. The Charges that were made on the card that are disputed are : XX/XX/2022 XXXX XXXX XXXX, XXXX, NV for {$1200.00}. XXXXXXXX XXXX XXXX, XX/XX/2022 for {$2.00}, and {$19.00}. XX/XX/2022 for {$12.00} and XX/XX/2022 for {$12.00}. Then on XX/XX/2022 a XXXX charge for {$1100.00}. Then the next Bill came and another Charge on XX/XX/2022 from XXXX XXXX XXXX XXXX, NV for {$190.00}. we have disputed all these charges of which come to {$2600.00} of which they are adding interest. My Wife called ( XXXX @ Citibank XXXX ), on XX/XX/2022 and told them they can't be requiring minimum payments and adding interest to disputed charges. All that happened was we got another Email on XX/XX/2022 saying that our dispute is being looked into. Then on XX/XX/2022 I get another Email telling me my adjusted payment due to my billing dispute is {$56.00}. So I'm Still paying for disputed charges and being charged interest for charges I, or my Wife never made with the Citi Bank MasterCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Barclays Bank Delaware will not let me transfer monies to a verified and established external account to XXXX Access or vis [ XXXX XXXX, XXXX. ]. On XX/XX/XXXX XXXX test XXXX Access labeled as " XXXX '' were sent to Barclays, on XX/XX/XXXX XXXX test deposits from Barclays Bank Delaware labeled as " XXXX XXXX XXXX '' were confirmed. However, this was not good enough for Barclays who grayed out my account access to XXXX to transfer then and not being able to verify the amounts. I could not understand, I was told that in addition that either a bank statement or proof of account ownership letter must be sent to Barclays and since my account with XXXX was less than XXXX days I had no statement, that XXXX drafted a proper letterhead of account ownership. Barclays, then rejects my questions and dodges why in fact, is the account an issue, other than being told acocunt verification being factuated and the letter dated XXXX  was sent to XXXX ( mandatory ), Barclays ignores my email which were sent via their internal messaging system and inform me only to call into customer service, when I do, I am given a temper by a phone banker for the verification, which I inform, has already been done and demand as my right to know what exactly the security issues ( if in fact there is XXXX well grounded ) is and since its my monies, I need to know. Barclays refuses and drops off my communications in all formats. I am left in web reverting only back to where I start and each system over again. This issue has been initiated on XX/XX/XXXX, this is now XXXX  ( XXXX ) days ongoing. Barclays, as I allege, are holding my monies XXXX. I am able to append and include more additional evidence and logs of the ongoing matter to justify the complaint if needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


I am writing to request your immediate assistance in addressing a critical issue regarding fraudulent accounts that have been reported to Experian in my name. These accounts are the result of identity theft, and I have taken all necessary steps to dispute them, including filing a FTC Report and notifying the creditor involved. 

Despite my efforts, I have not seen any action taken by Experian to delete or block these fraudulent accounts. Given the significant impact this situation has on my credit profile and financial stability, I am requesting that the CFPB intervene to ensure that Experian takes action within the next XXXX days.
Product: Vehicle loan or lease

I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.
Product: Debt collection

I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you. 
SincerelyXXXX XXXX XXXX
Product: Credit reporting

XXXX has not sent my request of a signed validated copy of my signature for the debt they say I owe ... I have sent several letters asking for any documentation with my signature and snd they continue to report to the credit bureaus in a fraudulent manner.
Product: Credit card or prepaid card

American Express Membership Rewards Program states on their website that if you book a trip with Membership Rewards Points and cancel the trip the Points will be returned to your account in the form of a statement credit.  American Express will not issue credit to my account as their Membership Rewards Program states.  I spoke to XXXX (Supervisor) and she was going to forward a request to the website department to change the wording online.
Product: Debt collection

On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing
Product: Credit card or prepaid card

Bank of AmericaXXXX XXXX XXXX credit card opened without my permission, receiving bills by mail for charges I never used. On XX/XX/2022 received by mail to activate a credit card, this card was never activated. The very same day ( XX/XX/2022 ) received a bill for a {$470.00} purchase and a {$35.00} Total Minimum Payment Due. On XX/XX/2022 called credit card billing inquiries number : XXXX about this account, promised to terminate account however phone call was cut off unexpectedly before I was able to receive any more information. The latest bill I received by mail was on XX/XX/2022 with New Balance Total of {$740.00} and Total Minimum Payment Due : {$250.00}.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.
Product: Credit reporting or other personal consumer reports

Ive disputed the bankruptcy record thats listed on my report by Experian five times now. They are falsely stating that the court house is reporting the records. Ive called the court house several times and they stated they do. It report to Experian. The record is not mine, it belongs to a relative, XXXX XXXX XXXX, not my record! I want Experian to do the right thing and remove this false record or I plan to turn up the heat and sue them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Experian failed to correct these lates numerous times & delete this account off my credit report.
Product: Debt collection

I have disputed an account with Credit Adjustments by mail and they have not been able to provide validation of the debt. They sent me a letter with a bill, I asked for validation which they did not do and still put it on my credit report.
Product: Debt collection

As scam continuef to con me out of hundreds, I am very careful about who calls claiming I owe money. So I get a call saying I owe over {$300.00} for medical bills back in 2016 ; I asked them to send out a letter so I could view it. With me being in college, all my mail is sent home and it is put aside for me. I go home every weekend with a stack of mail waiting and none from a debt collector. So time goes on and I get calls and voicemails from the same man saying the same things like a robot. I tell him the same thing, send me the letter and he claims to have sent it already but I never get it, even after staying home for an entire 3 week break. Time goes on again and Im still getting calls throughout my days, while Im in class and at work, even 4 times a week. He then tells me he can email it to me, which is a weird thing for a debt collector to do. And it looks like a horrible pieced together email with the said amount. I get another call today at XXXX XXXX with the exact same man saying the exact same thing. I tell him I moved and if he can send the letter I never get to my new address and he gets annoyed with me claiming to have sent it multiple times and I explain to him that I never gotten a written letter because I havent. I asked why I never received anything if this debt was supposedly back in 2016 when I have health insurance, his response was Yeah well we only got it a year ago and thats the remaining balance, how do you want to pay it? Im sure anybody with a working brain wont pay anything without legit proof. Ive quite had it with this and I want this harassment to be over with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires Navient to remove all late payments from my credit report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX finance has continued to refuse to correct their inaccurate reporting to Experian, XXXX, and XXXX XXXX although they are reporting status is current. I am not disputing the time or when I made those payments as that is my payment EXPERIENCE which is my private EXPERIENCE making a transaction between ME and XXXXXXXX XXXX XXXX XXXX which I did not give permission to share my EXPERIENCE with the above mentioned XXXX  parties. Furthermore, despite having been charged late fees to bring the account CURRENT by which payments are no longer XXXX or any days late but they continue to refuse to correct accounts to " PAID AS AGREED '' as it should be because it is " PAID AS AGREED or else I wouldn't still have physical possession of the vehicle. Account is Recorded and Reflects CURRENT so all moths should be CURRENT as well.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX 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

In XX/XX/XXXX I reached out to credit service company about 3 debts they said I owed. They later sent over information regarding the debt. Initially they said I owed a certain amount. When I received documents on XXXX XXXX the debts and letters that they previously sent me Didnt match the debts that they say I owed and is reporting on my credit file. Also they sent me a letter that is supposedly from XXXX with my Current address and dates that do not match. In XXXX which the bulls are dated for I did not live at my current address. Please see attached documents for contradicting and fraudulent info. I ask that credit Service inc please provide me with XXXX info so that I can request the documents myself. I was not able to attach all the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Midland Credit Management 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 an account without my written instructions. 
I have not been contacted by this company at all.
Product: Credit reporting or other personal consumer reports

I am disputing the following inaccurate information on my credit report : * Creditor Name : XXXX XXXX XXXX  XXXX  * Account Number * XXXX * Issue Briefly explain the inaccuracy, e.g., incorrect balance, fraudulent account, duplicate reporting, or account that does not belong to you. 
Under 15 U.S.C. 1681 ( a ), you are required to conduct a reasonable investigation within 30 days and correct or delete any inaccurate information. Failure to comply constitutes negligent noncompliance, making you civilly liable under 15 U.S.C. 16810.

I have attached supporting documentation, including list what you're uploading, such as ID verification, billing statements, or proof of payment Please correct this curacy immediately
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.