23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 I started a free trial with XXXX The free trial was for XXXX weeks. I had problems logging into my account to get XXXX XXXX to work. It would not. I called XXXX on XX/XX/21 for help. The phone number ( XXXX XXXX XXXX ). We went through several steps and finally got it to work. I attempted to setup a second device, that would not work. After several attempts I stopped. I made several calls to XXXX from XX/XX/21 to XX/XX/21. During that XXXXime span XXXX XXXX stopped on the first device. When an agent answered he wanted to sell some other products. My answer to him was all I wanted was to make the device work.He kept trying to sell other products. After much frustration, I told him to cancel the subscription. He did on the evening of XX/XX/21. The trial was to end on XX/XX/21. 
My credit card was bill for {$54.00} for XXXX and XXXX. The service had been cancelled before the trial period ended. XXXX never sent any confirmation of cancellation or any e-mails. XXXX finally sent an e-mail on XX/XX/21 to complete your XXXX XXXX XXXX  purchase. There was nothing for me to complete since the service was terminated XX/XX/21.
Product: Vehicle loan or lease

In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. 

It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. 


The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act
Product: Checking or savings account

A checking account was opened in my name without my knowledge. The account has a negative balance as of now.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a closed student loan account reported by DEPTEDXXXX. The account number ending in XXXX appears on my TransUnion , Experian , and Equifax credit reports with inconsistent information. The account shows a status of Closed or Paid with a {$0.00} balance, yet the number of months reported ( 182 ) is inaccurate, and the dates of last activity and last payment are inconsistent across the bureaus. Additionally, the data shows different last reported dates and unexplained refinancing comments. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report accurate and consistent information. Furthermore, this educational record may be subject to FERPA protections and should not include details shared with consumer reporting agencies without proper authorization.

I previously disputed this information, and the comment Dispute resolved ; reported by grantor was added without my consent or proper resolution. I am requesting that the Consumer Financial Protectio
n Bureau conduct an investigation and require DEPTEDXXXX to remove this inaccurate, outdated, and potentially unauthorized reporting from all three credit bureaus. 

Please delete this account from TransUnion, Experian, and Equifax.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Citibank XXXX XXXX advantage card on or about XX/XX/XXXX with a credit limit of XXXX. After the card was issued, I was notified by mail to verify my social security card. At the time I made copy of the social security card and mailed it to Citibank. On XX/XX/XXXX I called to request an update on the credit card. On the call I was notified that I did not send the second page of the social security card request form, of which no second page existed. I called again on XX/XX/XXXX at this call I was asked to provide my checking account information to confirm my identity, I refused to provide my banking information. I was told that I would be receiving a another letter requesting some other information to verify my identity. At this point I am frustrated with Citibank. There has been a hold on the card preventing me from using the card since opening the account. I am requesting CFPB to request Citibank for the reason for this delay in releasing the hold place on this account.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my on my experian credit report theirs is XXXX negative things that are fraud I filed a federal trade commission identity theft report on file please have experian remove the negative accounts off my credit report
Product: Credit card

The payment history on my credit report from capital one on two of my credit cards are wrong. They are showing late payments for the early part of XXXX and I was not late. Please help me investigate and correct the problem. I have tried to get this problem fixed but they keep coming back verified but no information was ever sent to me. I dont get how it is verified if the information is wrong.
Product: Debt collection

Hello, I have received an e-mail from XXXX on behalf of Credit Systems International stating that I owe a balance of {$850.00} as of today, XX/XX/XXXX. It stated that the Original creditor is XXXX XXXX XXXX XXXX After seeing this collection, I further investigated and realized this was a collection that I have already dealt with from XX/XX/XXXX. Before filing a complaint with CFPB on XX/XX/XXXX about my identity theft matter, I called Credit Systems International on XX/XX/XXXX and spoke to their representative, XXXX, to resolve this matter of identity theft and dispute this fraudulent account opened under my identity. After this, I contacted CFPB about this collection and informed them that I was a victim of identity theft. The Complaint ID # XXXX was submitted on XX/XX/XXXX with CFPB, which resulted in Credit Systems International removing this account and collection from my name and the credit agencies removing this collection from my credit reports. The collection I am be charged for in the amount of {$850.00} as of XX/XX/XXXX from Credit Systems International is the same identical amount I was being charged for on XX/XX/XXXX in the amount of {$850.00}. On XX/XX/XXXX, Credit Systems International responded and stated the collection was Closed with explanation. The statement read, " Credit Systems International regrets any inconvenience that XXXX XXXX may have experienced due to this matter. We understand that he is alleging identity theft, and we have submitted a request for deletion to the credit reporting agencies. '' I do not know why this collection was reopened under my credit report and why it is reappearing again after being resolved and removed from my credit report after many months. I ask CFPB to take the necessary actions to resolve this matter once again and investigate XXXX and Credit Systems International since this is not right to me as an identity theft victim. In addition, all of my credit reports with all three credit bureaus have been frozen since last year so I know this is not a new collection. This is truly taking a toll on my mental health every time I have to deal with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX//2022 - was sent a supposed cashier 's check in the purchase of something I was selling on XXXX. Deposited for {$1700.00}. It is listed as cleared that same day. 
XX/XX//2022 - I sent {$1600.00} by XXXX, to a third party that was supposed to be movers. 
That same night, I realized I had been scammed, and called Bank of America to report fraud and submit a claim to have the {$1600.00} reversed. I also reported the fraud to FTC.gov and ic3.gov XX/XX//2022 - the {$1700.00} is returned as a chargeback as the cashier 's check was not legitimate. 
XX/XX//2022 - Bank of America Claim is not approved.
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my personal information on file with all three major credit bureaus : XXXX, TransUnion, and XXXX. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX, United States Employment : XXXX XXXX XXXXXXXX XXXX Additionally, I would like to formally request that XXXX remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that XXXX promptly delete it from my record.
Product: Debt collection

An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.
Product: Debt collection

Dear CCS Collections/ Sir/Madam, THERE ARE 2 ACCOUNTS UNDER MY SSN AND NAME that i'm not aware of and no prior knowledge. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
2. The legal basis for collecting this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. A full account history, including all related charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XXXX Amount of debt : XXXX Date of Service : XXXXXXXX  Provider of Service : XXXX Dear collection agent, I received a bill from you on [ date ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. 

I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization .

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To Whom This May Concern, Last year, XX/XX/XXXX XXXX XXXX, I sent a message through my bank 's online contact service to revoke courtesy overdraft to stop being charged overdraft fees ; however, I recently discovered this was never changed on my account. Therefore, I have been charged overdraft fees ongoing YTD, regardless of my request on XX/XX/XXXX, totaling {$800.00} from my financial institution, Commerce Bank. Prior XX/XX/XXXX I was charged {$460.00} in fees, thus propping my decision to revoke the overdraft protection policy. ( XX/XX/XXXX, {$72.00} ; XX/XX/XXXX, {$35.00} ; XX/XX/XXXX, {$70.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX, {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card withChase from XXXX, I have closed that account in XXXX and agreed to pay a monthly payment of {$300.00} until the balance is settled. In XX/XX/XXXX they reported me to the credit bureau with late payment that wasn't disclosed to me or notified about. I was paying my $ 307 monthly and on time. I had no prior knowledge of the extra payment nor Chase informed me of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX and Equifax are reporting false information they know the People has unlimited credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Medical Data Systems Inc. I sent out a letter to this company for Validation of a debt from XXXX XXXX 2013. I received a debt verification and nothing with my signature on it giving them permission to my medical records. They sent the procedures and outcomes claiming it as a itemized bill, which violates my hippa rights. They claim the hospital gave them rights to collect the debt, but I havent agreed to such action.
Product: Checking or savings account

My joint ( my spouse and I ) personal account at CITI was compromised on XX/XX/2022 around XXXX XXXX. A fraudulent domestic wire for {$27000.00} was made using our checking and savings account. My phone was also hijacked through a sim swap at the same time. Therefore I wasnt made aware of this transfer until I was able to fix my phone. At about XXXX, the same day, XX/XX/2022, we informed the CITI fraud department and I was told that everything has been blocked. We also called the wire transfer department at XXXX on XX/XX/XXXX and were told that the wire transfer was cancelled. 

We are now been informed that wire was actually released within one hour of request and we dont have those funds anymore. We have filed a case with our branch by filling an Affidavit of Unauthorized Online Wire Transfer. Attached below Please take immediate action as we are a middle class family and this is our primary bank account. This has huge repercussions for us and has impacted us deeply and affects our ability to pay for our basic necessities like food, health insurance, childcare etc. It is a loss that we can not accommodate and it is due to no fault of ours. 
We are long standing customers of Citibank and rely trustingly on our banking institutions for the security of our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been the second time Ive tried disputing a closed account. Ive paid this account in full and its been almost a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company, XXXX, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they never responded.

Their failure to respond is a violation of the FDCPA per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court, XX/XX/2004
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have been trying to get inquires that were not made by me cleared from my report. Last letter I sent into Equifax reported that I did not do FTC report correctly which is why they did not fix inaccuracy on my report. Now I am sending in new letter to get credit report fix.
Product: Credit reporting or other personal consumer reports

Rental history is on my credit report. 15 USC 1681b. 
I did not authorize anyone to do anything with information about me
Product: Checking or savings account

My chime account was hacked on XX/XX/20 by an unknown person. They sent themselves {$100.00} from my account to theirs. I contacted chime as they are well known for this and they have given me the run around.
Product: Debt collection

In XXXX XXXX I placed an order with XXXX and paid balance in full in XX/XX/XXXX through their online system and the balance showed that it was paid in full. Since then, I placed an order purchasing goods through XXXX in XX/XX/XXXX online and was not told there was a XXXX outstanding finance balance on my account. I was reported to the credit bureau that I was delinquent in XX/XX/XXXX. On XX/XX/XXXX I received a text message to contact Comenity Bank and immediately called them and paid the supposed outstanding balance. This is an error of communication on XXXX and Comenity Bank and should not negatively impact my credit report. In good faith, Comenity should relinquish their negative report which has negatively impacted by credit score. As a result of lack of communication from XXXX and XXXX Bank, I have closed my account through XXXX.