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

I am a victim of identity theft and filed all necessary paperwork with your company in XX/XX/2023 that was required per the law. I have since then had to file another ftc and affidavit because you refuse to abide by the law and continue to allow purchased identity theft items on my credit report, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It also includes violation of my consumer rights. If these Identity theft accounts were mine, I didnt give these companies the permission to report or sell any information you have on record. So because my rights and privacy is being violated. I am demanding you follow the law and remove/block any information that I have identified as being a result of identity theft. Again not later than ( 4 ) business days after the receipt of such information I have provided to you.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also section 605B ( USC 1681c-2 ) ( a ) Clearly states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

As you can see, it states from an alleged identity theft and it gives 4 items that must be summited to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights. 
Therefore enclosed are the following : A copy of my Identity Theft Report from the FTC Report on record XX/XX/2023 and proof of my identity. 
Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

The accounts, collections and inquiries are listed on the next page and also listed in my FTC Report and Affidavit. This is not a request for an investigation. This is Identity Theft and by If by any reason you decide not to block or remove. I will be moving forward with a lawsuit for violating my FCRA and Comsumer Rights for each identity theft account listed.
Product: Checking or savings account

On XX/XX/2024 at approx XXXX XXXX  I transferred a payment from mXXXX XXXX XXXX XXXX  account to my Citibank account ending in XXXX. ( see attached ) XXXX ). {$700.00} I thought it would be a instant transfer, but they were not. My money sat in a " Pending '' status with the date I transferred XX/XX/XXXX until XX/XX/XXXX, I was panicking because this was almost my whole paycheck and I was using it for a down payment for a car I was buying from XXXX. So I was adamantly checking for the transfer to complete every couple hours. XXXX XXXX  does not have the option to send wires On XX/XX/XXXX when I checked the transaction it was still in a " Pending '' stage but the date now said it was made on XX/XX/XXXX? I called Citibank to see why they are still holding it, but showing it in my balance? I also asked them why it says it was initiated on XX/XX/XXXX, when I KNOW I sent it XX/XX/XXXX? 

They told me if the transaction happened late on a XXXX  it will show the date of next XXXX. 

On XX/XX/XXXX, I received a notice ( see attached ) that my account has been locked due to suspicious activity, so I called them right away.. 

They had me verify my information and at the end of verifying everything correctly they just abruptly told me that my account is being closed and I will receive a letter within 30 days and IF there is any money in there they will send me a check!!!!!!??? 

I could NOT believe this!!! Here is Citibank a BIG BANK with BIG MONEY and here I am a person working paycheck to paycheck and now just got all of it froze for them to hold.. WITH NOT EXPLANATION or anything.. Very short and vague about the whole thing. 

I was so upset I called back and asked to speak to a manager.. After hold for XXXX minutes I was going through the identify verification and she abruptly stopped that and just said " They said your account is closed '' Huh!! and repeated the same about a letter in 30 days!! 

I felt very suspicious about the people I spoke to when I called Citibank and started thinking about my whole experience with them. About 2 months ago I had fraudulent charges with their card for XXXX and I NEVER used Citibank to pay for XXXX XXXX. After I disputed the fraudulent charges they sent me a replacement card.. 

The replacement debit card had NO CVV ( XXXX digit code ) on the back of it.. When I went to use it the XXXX time I was stumped but thought it was something with their bank.. But the more I thought about it NO banks even most virtual cards always have that code.. You pretty much cant pay for things online without having that.. 

I need my money in that account!! Citibank can't just close my account and do that!! I had a additional {$100.00} in the account before I transferred the {$700.00}, so the total balance is {$800.00}. 

EVEN XXXX  they are sending me push notifications everyday with my balance which is {$800.00}, but I can't get access to my money.. Also just today XX/XX/2024 I received a email with my statement... But the account is closed???? 

I also updated my address on the Citibank app, it was changed recently due to the post office reassigning our address for XXXX directory.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, XX/XX/18, and XX/XX/18 I sent Experian, XXXX, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
Product: Credit card or prepaid card

Called on XX/XX/2022 at XXXX from XXXX XXXX XXXX. 
Text stated that it was the PayPal Fraud Department and that my XXXX XXXX has been deactivated due to the fraudulent activity on your account please call us back asap at XXXX XXXX. 
I called the card and they stated that there were no unauthorized charges on my account. This was a scam call. I was directed by PayPal to your website.
Product: Vehicle loan or lease

unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting true id texts. there were XXXX Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had XXXX XXXX inquiries. I can understand maybe XXXX hard inquiries but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted receivable management systems about removing a collection from my credit report that was paid. They agreed to remove it once paid but did not.
Product: Debt collection

I was in a work meeting and had my phone on do not sistrub. When I went to check my phone, I had 14 missed calls within a 2 minute time frame from this number ( I have the screenshot to prove it ). No voicemail was left, and this number has called me numerous times on Sunday nights as well. I looked up the number online and it is supposedly a debt collector, however, seeing as how i have yet to receice anything by mail and all my bills are paid and on time, I shouldnt even be being contacted. This is harassment and Im about to sue this company if they call me again.
Product: Debt collection

Was wouking with XXXX XXXX and they decided to get attorneys involved. I received a letter from them on XX/XX/2019 and responded the vary same day with a Certified Letter. I never heard back from the company until last week when I called and spoke with an attorney named XXXX. XXXX claimed that they did receive my letter and replied on XX/XX/2019. I have never received any such communication from the company. I asked for a copy of your letter.
Product: Debt collection

Credit was extended by American Express for business that is no longer operating. Payments were negotiated and are paid as agreed, although creditor has erroneously updated credit reports as bereft of payment arrangements. Updates fail to demonstrate the account is no longer past due, derogatory and payments are applied monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX  # XXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Product: Debt collection

NCB MANAGEMENT acct # XXXX XXXX XXXX, pa XXXX My name is XXXX i am complaining in reference to a violation of my FCRA and FCDPA i sent this company a debt validation for a balance they have on my credit report stating i owe {$7100.00} and they sent all information in reference to the loan and the actual price that was owed, which is only {$2500.00} they have violated the FCRA over a dozen times after i disputed it saying the item is verified and meets the fcra requirements for the {$7100.00} which the paperwork from their office states i only owe {$2500.00} i have tried to contact them in reference to my concerns of the account and them hurting my credit reports and making it difficult for me to get financing and rebuilding my credit and so forth i feel as if this issue should be removed off my reports for the simple fact they violated several laws and continue to violate my rights as a consumer.
Product: Credit reporting or other personal consumer reports

NelNet student loan servicer transfered my loans over to XXXX. Afterwards, I received student loan forgiveness. The issue is that NelNet is double reporting my student loans eventhough they no longer service my loans, even with the PSLF forgiveness.

The loan amount shown on my credit report has almost doubled. It shows that the loans were forgiven and then added back to the original balance before the forgiveness. All NelNet balances should be closed/transfered and my balance should read almost $ XXXX instead of over XXXX. 

The studentaid.gov, XXXX and NelNet websites reflect my transfers and correct balance, but are failing to correctly report it to the credit bureaus. Nelnet says they were unaware of the reporting. 

XXXX has tried to dispute it, but says NelNet has not made the correction. However, XXXX left me an message saying that the information was updated, but yet the balance and NeltNet still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my report from XXXX  XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.
Product: Debt collection

This company was assigned a debt by XXXX XXXX XXXX.  In XX/XX/XXXX I received an invoice from XXXX XXXX XXXX. I called them and explained that I did not ask for or agree to storage services. At that time, I was told they just automatically do it, and that since I didn't ask for this service it would be taken care of. I did not hear from them again until XX/XX/XXXX, I received a bill for nearly 4 years of storage that I never agreed to in the first place, and thought I cleared up in XX/XX/XXXX. At that time, the person I spoke with said that she could see my conversation and it would be written off. After this time, I saw a collection agency, XXXX, on my credit report and called them to state that this was not a valid account. They were typically rude and said I needed to pay some $600+ to clear it and refer me back to XXXX. I refused, and stated again that I did not have any account with XXXX.  Again, I didn't hear from these people (XXXX) until XX/XX/XXXX, when I received another statement in the mail. I called furious and they told me I had to pay them over $1200 or they would ruin my credit. Then they told me that they sent me a form in XX/XX/XXXX that I was supposed to sign. I never received any such form and I told them this. I called XXXX and they refer me back to XXXX.  She said she was sending again but that I had to pay or she would ruin my credit and then sent an additional collection to XXXX. Once again I never received any form. I phoned again today, and she agreed to send me this form via email. Now I've received a form for the first time in 10 years and signed a form cancelling a service that I never agreed to in the first place. I've asked both XXXX and XXXX to remove this from my credit for 10 years now. She once again demanded that I pay the money and said she was adding more to this supposed debt, and then said that was between me and XXXX, who repeatedly sends me back to XXXX. That is extortion and threats to my financial well being. This was repeated today. I will not pay this company a dime. These tactics are shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To, EQUIFAX. I never applied for these accounts, Pleas delete these inquiries. 
XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 THANK YOU.
Product: Credit card

Chase refused to give me back my money after my card was fraudulently charged by my contractor for {$34000.00} and I didnt authorize these charges and I have reached out to chase and they did nothing but close my account.
Product: Checking or savings account

On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.
Product: Checking or savings account

I requested a chargeback for a transaction in the amount of {$550.00} through wells Fargo bank from XXXX. I was scammed from a rental property in which a tenant pretended to be the owner of the property. After i sent they money through XXXX  the tenant stopped responding to all my calls and messages. I asked wells Fargo to step in and verify with the recepient who scammed me to show the rental agreement. Wells Fargo did not bother to contact me to get any documentation or proof of anything. They automatically denied my claim. In 10 years of banking with them I have never gone through the process of a chargeback and was stunned they denied me without asking for any details from me at all.
Product: Debt collection

New Scam. XXXX XXXX XXXX phone number XXXX Calling saying they are the attorney representing a credit card company and are suing me for money 's owed from 2011. When I mentioned statute of limitations they got very nasty and hung up the phone
Product: Consumer Loan

I bought out my lease from Chrysler Capital. The buyout was XXXX. 
I sent a check to Chrysler capital for XXXX which INCLUDED the New Jersey Sales Tax of XXXX. 

I received the Title for the vehicle alone with a " Bill of Sale '' stating I PAID NO SALES TAX. 

Now when I got to title the vehicle in New Jersey, New Jersey division of motor vehicles wants to collect the sales tax on the XXXX. I ALREADY PAID THE TAX TO Chrysler capital. 

I have proof of my cancelled check to Chrysler Capital in the amount of XXXX. 

When I contacted Chrysler Capitol they told me " THEY DO NOT KNOW WHERE THE MONEY WENT '' This I feel is unacceptable and deceptive as a business practice. They also sent me what I am calling a fraudulent document stating XXXX DID NOT pay sales tax, whereas I previously stated, I have a cancelled check showing the taxes were paid. 

I am unable to title or register my vehicle. I do not know what my recourse is anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to Trans Union that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XXXX/XXXX/XXXX and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The account with Kohls/Capital One is reported as a charge-off with a balance of {$520.00} and marked as closed. I believe there are inaccuracies in how this account is being reported. On [ date ], I requested clarification and corrections regarding the charge-off status, balance, and reporting details but have not received a response. The continued negative reporting is affecting my credit, and I would like this matter resolved promptly.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I received alerts from XXXX XXXX credit monitoring and Experian that XXXX XXXX reported a 30-day late payment, causing a significant drop in my credit scores. This claim is completely a lie, false ; I have never been late with XXXX XXXX, and I possess valid, relevant documents to support my statement. I promptly contacted the credit agencies to dispute this incorrect information, emphasizing the urgency of processing my dispute without delay and submitting supporting documents. My concerns and factual statements are being ignored, and my account remains affected, including my scores. I am being treated unfairly while simply trying to correct the erroneous and untruthful information damaging my credit score and ratings. Given this situation, I am seeking legal counsel. XXXX XXXX has acknowledged that they did not report any late payment, as I have always been punctual with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is negatively reporting an old closed account that is paid in full on all three major credit reporting agencies. The first delinquency on this account was over seven years ago. I did dispute this exact account last year and they did take it off for a few months and then it reappeared with a new incorrect first delinquency date so they can keep getting away with reflecting it on my credit report longer then seven years wich is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will NOT send my current " Annual Credit Report '' in spite of my having sent to it, PROOF of my identity ( CA Driver License ) and Social Security number ( via a copy of my Social Security Card ).
Product: Bank account or service

Received more than XXXX overdraft fee in XXXX day for different transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX  Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

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