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

I am filing to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you 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. I was alarmed to find unfamiliar, fraudulent accounts that I did not authorize. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have listed these fraudulent accounts above that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX XXXX bank has falsely reported to all XXXX credit bureaus in XX/XX/XXXX that I missed a payment reducing my credit limit and and affecting my credit score. In the end of XXXX or beginning XX/XX/XXXX I received a phone call from a XXXX XXXX comenity rep before my bill was due asking me for a payment. I paid the balance in full {$160.00}. A week or so later i receive another call from them stating that I never paid the balance and a payment was due. I explained what happened on the previous call and asked to speak with a supervisor. 

I spoke with a supervisor who told me that they had an issue with the system and my payment did not go through. I checked with my credit union while speaking to the supervisor and the payment did not go through. XX/XX/XXXX I paid the balance in full {$160.00}. When i checked my credit report i saw that they reported to all 3 credit bureaus that i missed a payment and my credit score went down. I called and spoke with a customer service rep and i was told a supervisor would call me on a wednesday or thursday and i never received a call.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX Balance Owed : {$260000.00} XXXX XXXX Balance Owed : {$260000.00}
Product: Credit reporting or other personal consumer reports

Experian is in federal violation of my consumer rights. 

They are showing my late payment history incorrectly. The XXXX account in dispute is showing wrong late payment dates and not showing all payment dates, The first late payment is in XXXX of 2017 and NOT XXXX as showing on my experience report. 

I have tried Multiple times to get experian to do the right thing and comply with federal law. 

I am now attaching FROM XXXX, the ACTUAL LEGALLY CORRECT payment history of the account to show that Experian is lax and unprofessional and now legally bound to delete the account in dispute.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX  and XXXX XXXX XXXX Dont send any usps, XXXX, XXXX  or XXXX  mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Debt collection

I am not arguing that I do n't owe the money and I plan on paying it when I have it but this man is haunting me!! 

Called my son and threatened him that a lawyer was looking for me. 

Calls my office and does not announce that it is personal information. 

Uses different names, different company names and different numbers to identify himself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.A XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent XXXX data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of ID Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal complaint against Equifax. 

As indicated that Equifax has been failed. to respond to my 3 previous disputing letters regarding accounts opened by fraud. 
Equifax is only one Bureau that has been reported these 2 negative account on my report. The obviously violated the LAW. 
Federal law requires you to respond within 30 days, yet Equifax has failed to respond. the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with Equifax on this matter ; for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RUSHMORE LOAN MANAGEMENT SERVICES HAS BEEN IN VIOLATIONS OF MY CONSUMER RIGHTS SINCE I SENT THEM A LETTER BY CERTIFIED MAIL # XXXX ON XX/XX/2021. AND ALSO INCLUDED WITH THIS LETTER WERE COPYS OF DATA FURNISHERS RESPONSIBILITIES TO CONSUMERS, A JUDGE ORDER, AND A COPY OF MY XXXX REPORT # XXXX WHICH SHOWS RUSHMORE VIOLATION OF SHOWING FRAUD, AND A MIX FILE
Product: Credit card or prepaid card

Penfed advertise on its website that one of the main benefits of its PENFED PATHFINDER REWARDS XXXX XXXX CARD is a " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages ''. 
On XX/XX/19 I charged {$30.00} for baggage fee on a XXXX flight and a week later I got a {$30.00} credit. 
On XX/XX/19 I used the card to pay for baggage fees for {$80.00} for 2 flights with XXXX and expected a {$70.00} credit ( {$100.00} minus {$30.00} already received in XXXX ). After few weeks, I started calling Penfed to investigate why I had not received the credit. First I was told that it would happen automatically, but it would take up to 12 weeks. After 12 weeks I called again and nobody would even know who I should talk to. After multiple phone calls, I was told that I would need to talk to the Concierge Dept. I made multiple calls to the Concierge Department and nobody had any idea why I had not received the credit. After 3 phone calls, I was finally able to speak to a supervisor and asked if someone could investigate and call me back. When I finally received a call back, I was informed that " the card only reimburses charges by Domestic airline and therefore XXXX would not qualify ''. I pointed out that there was no reference to this in any of the marketing material I received nor on the website, which by the way, still shows today misleading marketing information. 
I believe that since Penfed advertises on all its marketing material " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages '', the Penfed should reimburse customers for up to {$100.00}. Going forward if Penfed does not want to reimburse consumers for charges from international airlines, then that should be made clear in all marketing material including the website ( screenshot of the penfed site is attached ).
Product: Debt collection

I am writing a formal complaint that citizen one auto finance has placed a charge off XXXX consumer credit report. I am disputing any and all debt to them and also revoking my rights of communication with them to me through email text and calls. I am also requesting debt validation and the original purchase agreement between them and the original creditors also, I am requesting that they furnished proof that they are licensed and bonded, I am disputing this because they failed to provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report. They also didnt give me a chance to dispute this account according to 12 CFR 1006.3 4C4 this collection agency is violating my rights by using false, misleading misrepresentation, and deceptive means. Also, this collection is or creditor has no authority to furnish any account to market consumer report without provide any and all disclosures required by law and they are under Clear violations according to 12 CFR one 006.3 4D and 15 USC 1681S27A also Any further communication is a violation under the FDCPA violation 15 USC 1692K
Product: Mortgage

In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ XX/XX/XXXX.
Product: Student loan

I was late on a loan payment and decided after paying it off to enable auto pay. I've received several emails and have XXXX videos stating auto pay was enabled and will turn on for future dates however on both XXXX and now XXXX the auto pay failed causing me to miss XXXX payments. The last month I paid the missed amount due then renabled autopay, then on the XXXX of this month the autopay failed again with no reason provided causing another late payment. All of which is documented in emails and on video.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX bank for a Home Equity Line of Credit on or around XX/XX/2022 ; however, the XXXX bank was unable to pull my credit report. The Error Code was J. I also tried to sign up to myequifax.com to get my free copy of credit report ; however, couldnt sign up since I got an Error Code NH. Beginning on or around XX/XX/2022, I have called Equifax Customer Care for about 20 times and a few times even with the XXXX Bank Manager also on call with me ; however, nothing was resolved. I sent an email to XXXX XXXX XXXX, CEO of Equifax on XX/XX/2022 and having received no response sent another email to XXXX XXXX on XX/XX/2022 but havent heard anything back from XXXX XXXX or his office yet. In response to an advice of customer care, I sent a copy of my Drivers License through USPS mail on XX/XX/2022. Subsequently, again in response to an advice by customer care, I sent a fax to Equifax on XX/XX/2022 and submitted copies of my Drivers License and W-2 with a request to resolve the issues related to the Error Code J that the lender encounters when trying to pull my credit report and the Error Code NH that I encounter trying to sign up for myequifax.com and requested to release the information to the creditors. There has been no progress or resolution till today. The Equifax doesnt even acknowledge the receipt of my fax.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. 
SSN XXXX CARD HOLDER
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate late payments from XXXX XXXX on my consumer report which violate 15 usc 1681c2
Product: Vehicle loan or lease

On XX/XX/XXXX, I opened an account with Exeter Finance for a car loan. Exeter Finance violated federal laws detailed in the attached letter. Exeter Finance has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction. 

I requested information via certified mail and no response was provided by Exeter Finance.
Product: Credit card

An unauthorized purchase was performed at XXXX XXXX on XX/XX/2023 for {$500.00} with my Citi credit card account. 
The charge was disputed, and the bank ruled against me. The bank stated that I participated in the transaction. 

The bank stated that the card used during the transaction was a card ending in XXXX, belonging to my wife. My wife is an authorized user ( has an " additional card '' ) of my citi account. 
Citi asked me to confirm that the card was in our ( me and my wife ) possession. 
Citi asserted that the card was present, and that the " chip '' was used to complete the purchase. Citi claims the chips can not be duplicated. Hence they conclude that we participated in the transaction, and ruled against me. 

I contacted Citi via phone on XX/XX/XXXX, and they confirmed that the extent of their investigation was that the " chip '' was used, and that those can not be duplicated. 
Citi apparently decides to routinely ignore the fact that there are known attacks against EMV ( a.k.a. chips ) and immediately rule against the consumer. 
I don't have any sort of proof as to the time of this writing - that the transaction was indeed EMV-based. 

We had possesion of the card ending in XXXX, and we ( my wife and I ) were both hiking up a mountain at the time we received texts from the bank asking for confirmation for the transaction regarding this complaint. 

Makes me wonder how often this happens, and how much money Citi is keeping from the customers. This due to Citi immediately ruling against the consumer whenever the disputes are about *supposedly* EMV-based transactions XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. 

I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. 

US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. 

I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. 

I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. 

-XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX  on XXXX. Ive already sent in a dispute about this unauthorized inquiry and Transunion have not removed this unverified unauthorized inquiry from my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report with out my explicit permission. XXXX XXXX  have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX  furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX  for review or collection. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax received my correspondence which contained my notarized Identity Theft Affidavit, FTC report, a copy of my Driver 's License, Social Security Card, a Bill, and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted. and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX XXXX that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Product: Checking or savings account

In XX/XX/2020, I opened a savings account with CitiBank. I had steadily been depositing funds as there were no indications of any issues. When I went to withdraw funds in early XXXX, I was told that the account had been " FROZEN '' for suspicion of fraud. After several hours, I was then told that the Fraud dept. had nothing to do with the hold but servicing department could help. Servicing department also had no idea but " new accounts department '' could help. That department requested I first send in additional identity documents so I did, via XXXX. When I later followed up, I was first told documents were never received. Two days later they admitted to having received but just not reviewed but promised to review. Here we are, XX/XX/XXXX ; I was told the account is " closed '' and when I asked what happens to my over $ XXXX, they said they have some documents and account review to do and will try to get to it by Tuesday and " she thinks they would send a check to my address '' after that but she wasn't being told much else either. The Supervising Rep that called me from a XXXX number also said she urged them to find a way to release my funds so that I could access money and they were nonresponsive to her and she felt she should not push further and wasn't being told much. I've contacted corporate offices and am told they can not help me. They've given me phone numbers that aren't being answered or that auto drop calls no matter how many times I've called. This is the absolute worst time to experience not having access to much needed funds that I entrusted them with. As an Executive Platinum CitiCard holder, I've been in good standing with them for over 5-10 years ... just 5 months in and Citi is being absolutely horrible at trust worthiness.
Product: Credit reporting or other personal consumer reports

I have disputed the incorrect information on my transunion credit report 4 times and every-time the incorrect information was verified. XXXX is reporting my account in Bankruptcy when its not this account is paid on time and they currently take the money out of my account directly monthly. I had XXXX accounts with XXXX, XXXX account was included in my bankruptcy but the account that was opened on XX/XX/year> is current and in good standing. This account was opened after my Bankruptcy had discharged and was never included in my Bankruptcy. Also the account balance is incorrect. I called XXXX numerous times and they said that it was fixed and updated and I have disputed this on all of my credit report but it remains on my report as included in bankruptcy. This has cost me the ability to refinance my vehicle because it looks like Ive defaulted recently on my credit reports and my credit score had dropped by 30+ points. I dont know what it takes to get the correct information updated on my credit report and I believe this was done maliciously by XXXX when they offered to turn my account into credit card and I declined soon after my account that I had for almost 4 years in good standing suddenly shows included in Bankruptcytoo much of a coincidence to me especially when I spoke to several account managers that promised me this would be fixed months ago. Please help me with this issue!