23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a loan through Ally for a used XXXX XXXX XXXX I bought from XXXX the loan was re-financed in XXXX through XXXX and then paid off in full. on XX/XX/XXXX I truck the car back to XXXX resulting in them issuing a refund for the warranty remaining in the amount of {$670.00}, This had to be issued to Ally Bank as it was the original source of payment. I've contacted Ally Bank numerous times since XX/XX/XXXX and get the run around every time, and I have yet to get the check. Sometimes they will say they see the credit but no date of when I will get the check, other times they claim there was no overpayment even though the check was refunded after it was closed and that I am due no refund.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

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

I am ling this FTC adavit to report several separate fraudulent accounts appearing on my consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX under Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, Discover Bank Acct # XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 reporting or other personal consumer reports

So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from XXXX. It keeps saying something about checks. I never had checks with XXXX when I had an account with XXXX and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to XXXX. I reached out to XXXX. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to XXXX . They sent me a letter stating that, even though when XXXX sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on XXXX report and I would like for it to be removed because I closed my account with keeping. I dont owe XXXX anything and Ive never wrote a check because I never received checks I used to cash my employment check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 of my credit reports Experian, XXXX, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two certified letters to TransUnion on XX/XX/2019 and XX/XX/2019. I am attaching the two letters along with the proof that the US post office delivered these letters. The accounts with XXXX XXXX, XXXX and XXXX XXXX are not mine. I have requested an investigation and the proof that these debts are mine and TransUnion has failed to provide the evidence of these debts and has failed to delete these accounts from my credit report. TransUnion has failed to conduct a reasonable investigation and failed to provide to me the evidence provided to TransUnion that these accounts are mine. According to the Fair Credit Reporting Act, if TransUnion can not provide proof of the debt to me, they must delete these accounts from my credit report. I have not received any evidence from any of these debt collectors that these accounts are mine. These debts are impeding me from purchasing a home.
Product: Credit card

On Saturday XX/XX/XXXX I received a text message for my cash reward card ending in XXXX for a purchase of {$1900.00} at XXXX XXXX XXXX XXXX that was declined and asked if I authorized this activity which I immediately answered no and the card was canceled BOA sent out a replacement card, I had a family emergency that day when I got home and couldn't find either of my BOA card I freaked out and checked on my mobile app where I found the same charge with same merchant same dollar amount went through on my other BOA travel reward card ending in XXXX, I immediately called BOA over the phone and reported the unauthorized activity, explained that both cards were not in my possession along with the cardholder I kept them in, the agent filed the claim and replaced my travel reward card. It is ridiculous how the {$1900.00} triggered the alarm the first time but went through right after with another card, if I received the fraud alarm for this {$1900.00} charge on my travel reward card, this charge would never make it through! More ridiculous, on XX/XX/XXXX I received a letter from BOA saying they were unable to refund me because the merchant provided documentation that confirmed I received the merchandise & services. How is this even possible? I don't even know what this {$1900.00} have bought, how can I receive something purchased with a card that was not even in my possession that I have no clue what those were? It is unlawful for the consumer to be liable for unauthorized purchase, I have been a faithful client of BOA since XXXX, but if this is how BOA protects it clients, it leaves me no choice but take my banking elsewhere and take necessary legal actions to protect myself.
Product: Credit reporting or other personal consumer reports

I attempted to establish a free online account to freeze my credit on XX/XX/XXXX with Experian. The website stated that they could not verify my identity so I couldnt establish the account. I called the phone number and submitted the freeze request. They said I would receive a PIN to lift the freeze in the mail or by email. I did not receive the PIN. On XX/XX/XXXX, I attempted to thaw the freeze temporarily. I could not use the website because they stated they still couldnt verify my identity. The automated phone system did not allow me to thaw the freeze and would not connect me with a human being. Using the website, I uploaded information to verify my identity on XX/XX/XXXX. The website states that I would receive an email confirming the identity was verified and the temporary thaw was honored. I have not received such an email. I am still unable to establish a free account to manage the freeze because the website states they are unable to verify my identity. Using the automated phone system, I was able to learn that the temporary freeze was implemented. However, I am unable to manage it because I can not establish an account. This is unreasonable ; I was able to easily establish and manage free accounts with the other credit reporting agencies. I have lived at the same address for over XXXX years ; I have had the same phone number for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There is Discover Financial Services account ( acc no : XXXX ) in my XXXX  report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to XXXX  credit reporting agency and Discover Financial Services but they refused to help me to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the letters I have sent about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 

These are clear violations of my federally protected consumer rights
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX, which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to fraudulent investment firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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
Product: Credit card

Citibank debited my account which overdrew my account by {$600.00}. Upon discovering this that same evening at the ATM, I promptly called customer service to inquire about how, what, and why this had occured. They informed me a person who I have never heard of had written a check which had a forged signature that looked absolutely nothing similar to my legitimate signature. I told them that I have not written any checks and to stop it since I did not authorize it, at that point the representative put {$800.00} back into my account as I assumed would be the normal thing to happen in such situations. 1 month later Citibank took the {$800.00} back out of my account because I had n't submitted an affidavit of forgery. So upon learning that I got a police report and submitted an affidavit of forgery which the back office of Citibank denied under the grounds that I did not inform them in writing from 30 days when the disputed charge was found. So my question is how can they base their decision upon something I did do ( affidavit ) once I was actually told to do it, despite them honoring a forged check that should have bounced since I did n't even have the funds to cover it, as well as a signature I did not write or authorize in the first place? What legal recourse can I take to recover my funds that were literally stolen from the forger of the checks and then Citibank directly?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1000.00}, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am a victim of wire fraud at the hands of Citi online banking. My checking account was hacked into on XX/XX/XXXX at XXXX. I was alerted to the activity on my account via email, and was on the phone with Citi fraud department by XXXX reporting the incidents as they were taking place. The hacker changed my password, added themselves as a wire transfer recipient and then wired two transactions- one for {$1800.00} and one for {$1400.00}, completely emptying my checking account. The representative assured me it would be fine, and that it was out of my hands and he would " do his job ''. I called Citi for an update on XX/XX/XXXX and was only then given a reference number and told to fill out and fax a wire fraud affidavit for both transfers. I filled them out and faxed the notarized affidavits to the Incident Reporting Unit on XX/XX/XXXX. I called on XX/XX/XXXXXXXX  looking for an update on my case. I called once and was rudely hung up on by a representative claiming she can only give an update to the authorized account holder ( which is ME ) after I had gone through the security protocols with her and verified my identity already. I called a second time and was put on hold multiple times. I gave them my information and reference case numbers and was transfered. The representative stated that they were not able to get my money back from the account of the person who had stolen it. He said that it was now no longer a Citibank problem, and that if I want to get my money back I would need to take legal action against the hacker on my own. I began asking questions like " How should I go about that? Who will pay for the legal fees if Citibank allowed all of my money to be stolen? How do I even know who I am taking legal action against? '' He responded with " We tried our best to get it back '' and then proceeded to HANG UP ON ME. I am still sitting here in shock and disbelief at how unprofessional I have been treated by Citibank. I plan to take legal action against Citibank to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, XXXX, Transunion, XXXX Are not reflecting proper credit age.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 or other personal consumer reports

XXXX, Equifax XXXX XXXX have an incorrect address list for and its XXXX XXXX XXXX, Apt XXXX, XXXX GA XXXX. This address is not associated with me more has it ever been, Ive never used or listed this to be my address and my address is XXXX Colorado XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B likely requires the deletion of any incorrect accounts from my credit report. Could you inspect the documents? There are inaccuracies in some of the listed accounts regarding reporting, amounts, and dates.
Product: Student loan

Called Aidvantage on or about XXXX XXXX, 2023 after learning of Biden 's new student loan forgiveness efforts aimed at those with Income Driven Repayment plans ( this is the one that came after the Supreme Court shot down the earlier XXXX to XXXX student loan forgiveness effort ). I'd gotten an email from Dep't of Ed telling me I was one of the people whose remaining loans would be forgiven due to it's age and the fact that I was in an income driven repayment plan for a number of years. It sounded like good news so I went to the XXXX XXXX XXXX website for more information -- and it said go contact your loan servicer, which in my case, it was now Aidvantage. That's where the good feelings ended. Essentially, Aidvantage 's telephone rep refused to provide and clear answer to any question I asked about my loan and it's status relative to the newly announced debt relief program. I repeatedly had to assert that I was not calling about the debt relief program that had recently been quashed by the Supreme Court ( mentioned above ). Nonetheless, Aidvantage 's rep insisted on reading to me the company 's prepared statement relating to that Supreme Court ruling ( though I repeatedly BEGGED him to stop as he read on the end undaunted ). The telephone rep 's skill at providing vague answers and dodging questions altogether was definitely noteworthy and he seemed continually miffed when I would ask him to clarify the broad statements he would provide in response to fairly specific and even simple questions. Other questions would just be completely ignored, such as when about 24 minutes into the call I asked out of frustration to speak to a manager or supervisor. After around ten more minutes I simply had to give up and end the call. Aidvantage won. Afterward, I called the Department of Education 's Federal Student Aid Ombudsman 's line and explained my situation. The first person to answer the call ( no interminable phone menus ) was compassionate and helpful and friendly, and answered my questions at length and with great detail. It literally felt like I'd gone from being treated like a nuisance to -- within a few minutes -- being treated and spoken to like an intelligent person by another intelligent person.
Product: Credit card or prepaid card

On XX/XX/2021 ordered a sofa, chair and desk. 
on XX/XX/2021 my card was charged for the sofa. 
Received the sofa on or about XX/XX/2021. 
Contacted XXXX to indicate it was the wrong color. 
XXXX sent a pick up label and asked that we attached it to the box. 
The sofa was picked up between XX/XX/2021 and XX/XX/2021. 
I have never received credit for the return. 
I contacted Chase on XX/XX/2021 and entered a dispute. 
On XX/XX/2021 Chase rebilled my account for the charge stating that I received the sofa. 
I called the disputes department on XX/XX/2021 and was asked to send proof that the sofa was returned, which I did. 
I called the dispute department on XX/XX/2021 and was told the dispute was closed and that I would have to go back to XXXX ( which I have done no less that 10 times ). I tried to confirm that my additional information was received and was told the dispute was closed.

I not have to pay for something that was returned over two months ago.