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

credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.
Product: Checking or savings account

XXXX : XX/XX/XXXX Subject : Fraud XXXX XXXX XXXX XXXX AND Froze Account ending XXXX  To Whom It May Concern : I am writing this complaint hoping to get a response and/or resolution. I had have been a victim of Identity Thefts. I am writing not to complaint, but I believe this is one way to reach someone to ask assistance and resolution. 

In XXXX, I had lost {$5000.00} due to fraudulent activity. The funds were sent thought for Charity to supports orphanage. I had submitted the claim with the Fraud Dept and provided all supporting documentations. I have yet to receive an acknowledgement and/or any status to date. Incident had been reported to XXXX, FBI and the local authority. 

In XXXX I become a victim of Identity Thefts ; presumably, the same individual and his accomplices. This event by force to close out all of my accounts with Bank of America. The bank I trust and been a long-term customer. Incidentally, I was affirmed by the Bank of American location on XXXX and XXXX XXXX, in XXXX XXXX CA in-which all of my accounts had been closed. I continue to receive email notifications by email of the account balance. I have had gone back to the bank location 4x and once again I was assured that all accounts had been closed. I continue to receive emails. Today - XX/XX/XXXX, I went to another Bank of America location on XXXX and XXXX and told the account ending XXXX is open/ froze with a balance {$350.00}. I attempted to call the Fraud Dept XXXX - office is closed. 

Both incidences have been reported to the XXXX XXXX XXXX XXXX XXXX and the investigation is undergoing. I have all of the supporting documents and willfully submit for your investigation.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX XXXX XXXX with an extended warranty financed through Ally Auto. In XXXX of XXXX, I was informed that buying an extended warranty for a XXXX was not needed so I cancelled it. In sum that amounted to a little over XXXX XXXX. This check did not get sent to Ally until XXXX and never paid down the principle amount of XXXX XXXX. In XXXX of XXXX I decided that I was going to get an rv and the XXXX could not tow it so I purchased a XXXX XXXX XXXX. The dealership to ensure that the XXXX got paid off fully sent them a check for XXXX XXXX. At this point Ally Auto pocketed the XXXX XXXX in refunded extended warranty money and the XXXX XXXX overpaid by my new auto loan. I call the extended warranty company who confirmed that Ally Auto cashed the XXXX XXXXXXXX XXXX  check and I can confirm from the loan amount that it was never applied to pay down principle. Thus, they owe me not only that extended warranty XXXX XXXX but the XXXX XXXX in over payment from the new auto loan. I have called them multiple times and have gotten very different responses. Responses ranging from it will be 30 days to oh I don't see those refunds in the system to that team that handles those are out of office. Please help, I can not get anyone to give me clear answers.
Product: Credit reporting or other personal consumer reports

My information along with my sensitive identification number has been released without consent. 

Meaning XXXX, XXXX and two different hospitals and bank was BREACHED again and account information hacked and leaked begining since years of the XXXXXXXX XXXX XXXX. I have been seeing accounts appear on my accounts in the last several years that I'm unfamiliar with as well as the balances and addresses attached to. 

I ask that all accounts be verified by the original owner with wet ink signatures need be to clarify. If in fact these pieces of information can not be produced I ask that all delinquent, closed accounts, all inquiries that's attached and not attached to my account be DELETED. 

Also I see where some accounts posted to my credit report has incorrect reported information. 

I ask that all accounts that are printed to under my information be reviewed quickly or within the next 15 to 30 days if not DELETION is what I ask for at this time.
Product: Credit reporting or other personal consumer reports

these are all hard inquiries without my consent : I want the hard inquiry from XX/XX/XXXX ( Bank ) XX/XX/2024 taken off my credit report I want the hard inquiry from XXXX ( Finance ) XXXX XXXX taken off my credit report I want the hard inquiry from XXXX XXXX XXXX XXXX taken off my credit report i want the hard inquiry from XXXX XXXX XX/XX/2024 taken off my credit report I did not authorize these
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been

over 45days no respond. this is grounds for removal. The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not tre at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the dispute
Product: Credit card or prepaid card

Upon receipt of this complaint, please issue a billing dispute for a purchase dated XX/XX/21 listed as Amazon Payments, amount {$260.00}. The merchant never shipped the merchandise. The merchant could not provide an answer as to when the items will ship.
Product: Credit card

I have been a Bank of America credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then BOA issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Bank of America practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family.
Product: Debt collection

I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

*******Acct number-XXXX- states a balance of {$820.00} WITH 2 DIFFERENT REPORT OPENED DATES FROM XX/XX/2017 TO XX/XX/2017 this also incomplete and inaccurate information.
Product: Credit card or prepaid card

Citi Bank closed my account despite having access to my checking account for autopay. They claimed that they attempted to request payment but, they said, my checking account was closed. My checking account was never closed and my credit union said they have no record of a request for payment from Citi Bank. 

There was some confusion about my account number which I addressed directly with Citi Bank multiple times in an attempt to fix the problem. However, on several occasions Citi Bank was able to access my account with an accurate account number from their records. I will attach a chronological account of what transpired in this dispute.
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit card or prepaid card

Paid of f Citi Diamond pr eferred credit card balance in  XXXX   XXXX . Have not used card for purchases in years nor have I enrolled in any Payment  Protection Plan  or auto pay. In  XXXX   XXXX   Citi  Bank auto withdrew {$28.00} from my checking account and emailed me stating that my online statement was available and that my next bill was due on  XXXX   XXXX   XXXX . As I write this I have been transferred to  10 times to 10 different people at Citi Bank in 3 hou rs time. No one can explain why there are {$850.00} in charges on my account and why after 2 years I am now being charged {$28.00} per month.  One  person told me it was fraudulent charges but cant tell me what they are, another told me it was Payment Plan charges, another told me it was because they have my address wrong. I cant even access the account online any longer to see what the charges are. They are asking me to write a letter explaining what I have tol d 10 people an d then they will look into my account because they do n't have access to my account before  XXXX  received a letter a couple of years ago stating I was part of a class action lawsuit regarding being charged for products I did n't sigh up for with  Citi  I have now been on hold for 58 minutes and counting. Ok  11  people and they just disconnected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXXXXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX 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
Product: Credit card or prepaid card

Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB XX/XX/XXXX
Product: Checking or savings account

I deposited {$80.00} to an atm at XXXX XX/XX/22. My balance was then {$80.00}. 4 minutes later at XXXX, I XXXX {$80.00} out of my account. Im back to XXXX XXXX I have atm receipts and emails to prove the time. On XX/XX/22 I noticed I was charged my $ XXXX  monthly fee. No big deal. My account was then - {$10.00}. I added {$20.00} at the atm so my new balance was {$9.00}. I then zelled out {$9.00} to cover a gym membership on another account. 

5th 3rd bank charged me {$37.00} overdraft fee by back dating their {$11.00} fee to the XXXX and forward dating my {$80.00} XXXX to the XXXX, which is fraud. I have time stamped atm receipts and emails to prove this. They did this to collect their fee. Their document makes it sound like they coveredme as if I was in the negative. As we all know you can not XXXX  money out that you dont have in your account. My {$80.00} XXXX went through without an issue putting me back to XXXX XXXX balance which is what it was before my {$80.00} deposit. 5th Third Bank committed fraud and I have proof with time stamped receipts and emails. No $ XXXX  monthly maintenance fee went through my account until the XXXX, otherwise my account wouldve been- {$10.00} when I rolled up to the atm on XX/XX/22 at XXXX not XXXXXXXX XXXX in the positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXXXXe XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

today XX/XX/year> i logged into my credit file to see PORTFOLIO RECOV ASSOC is reporting a debt of {$1500.00} to credit reporting bureaus, i have never done business, signed any contract or documents with PORTFOLIO RECOV ASSOC or anyone they are collecting for, I do not wish to contract or do business with PORTFOLIO RECOV ASSOC.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? Transunion has listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.
Product: Student loan

Navient told me multiple times that a Graduated Repayment plan would count for the Public Service Loan Forgiveness program. It does not. And I paid three years into the program under that plan before switching to a qualifying Income Based Repayment plan. I am now three years behind on qualifying payments for the PSLF program.
Product: Student loan

The choices offered in your form to get me to this section do not really apply ( nor does my response after this about Nelnet as Nelnet has nothing do with this scam ) but I had to click on something. I was told to file a complaint with you by the Student Debt Crisis Center. I recently received a phone call from a woman named XXXX saying that she worked with " student debt '' at " education '' and that my deadline was coming up fast and she was holding my file open for a while to call her back asap. When I called I got a man and he asked for lots of info including the last four digits of my SS #. Then he seemed to have ALL my information, including the amount I owed ( my loan is currently on hold and in default ). He said that based on my age and the time I had paid that all but {$3100.00} would be forgiven, that I would pay online for four months - XXXX, XXXX, XXXX, XXXX @ {$190.00} and then from then on XXXX on I would pay {$10.00} for 240 months. It all sounded legit until they asked for my credit card. I hung up. The phone number ( I still have the original message ) is XXXX and in the message it says to opt out call XXXX. I never called that number. 

This is clearly a scam and it is repugnant and disgusting since so many of us are desperate to get relief for our loans. I am XXXX so clearly praying on older folks.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Debt collection

The water delivery service XXXX XXXX pure, is offered thru XXXX. I gave them the XXXX XXXX and set up auto pay. Some how the XXXX XXXX AKA XXXX had fraudulently billing by opening XXXX accounts with the account number XXXX and XXXX, and charging every month for many many months. 
As XXXX is such a reputable company, I allways pay the bill without going into details. This duplicate, fraudulent billing from the XXXX XXXX Ref XXXX went on for many months. One day, I realized and called XXXX XXXX as well as XXXX. They put all these duplicate charges in dispute. After this XXXX sent all those charges to collections, then A person from XXXX XXXX with the name XXXX XXXX called on XX/XX/XXXX at XXXX called me and said the account is cleared as of XX/XX/XXXX by XXXX. 
Now in XX/XX/XXXX, I realized that they informed the credit bureaus saying that I owed about {$160.00}. This dented by credit score so much, that I am having hard time getting home loans. I request you to call, intervene and do me the justice by calling Collection bureau of America number XXXX Id number XXXX. I would like you to deeply investigate into this matter as I do n't want these XXXX to defraud hapless, innocent customers like me.