23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had one card with CitiBank and i had no issues paying, on time, every month. I opened a second CitiBank card ( XXXX ) because I received an offer for a balance transfer for 12 months period. i requested a transfer and was expecting to receive statement to begin payments. I started to receive phone calls about making payment which i first took as fraud because I was already making auto payments on my first CitiCard. I did not receive any statements for the second card which i thought was just taking time to begin. When I realized it was for the second card I made a call to them right away to discover that I was behind on payment but I never received any statements from them. I explained that was the case and asked if they wave the fees since it already piled up and made my min payment much larger that originally. I was told they couldn't take off but one fee and that the other will have to get paid and that it's not their problem I am not receiving statements. I waited to receive statements and just recently received my very first one. Now the min payment on the account is almost XXXX and I contacted them to say I cant pay that all at once and see if we can do a lower monthly payment to catch up and offered XXXXXXXX XXXX XXXX to start catching up. They refused it and said it would have to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX just to catch up, and that my account is too new to give me any other options. I do not register for online services because I an not good at managing online options. I work with printed statements and I try to set up auto payments if possible. The fact that they are unwilling to work with customers and demanding an unreasonable amounts even though they already closed my account even though it's only been a couple of month of back and forth of this and now they want XXXX times the monthly amount. I think it's unreasonable and their demands of getting people into more impossible repayment situations is setting customers up for failure. it's extortion to say the least! I hope you can help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I received a credit card statement from Citizens Bank on XX/XX/2023 ; even though there was no balance transaction, I never authorized using their credit card.
Product: Debt collection

Company did'nt valadate debt or show method of verification on inaccurate accounts on my credit report. I sent out multiple disputes for months
Product: Credit reporting, credit repair services, or other personal consumer reports

This inaccurate accounts are reporting on my credit file : XXXX XXXX
Product: Debt collection

On or about XXXX of 2015, XXXX contacted me about certain JC PENNY credit card debt account # XXXX. I personally notified XXXX, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, XXXX, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised XXXX, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that XXXX provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of XXXX and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, XXXX purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
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 U.S.C. 1681. 

XXXX & XXXX : XXXX # XXXX, Dept of ED/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 XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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.

15 U.S.C. 1681 C. ( 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 ante dates the report by more than seven years.

15 U.S.C. 1681 S-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: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security Number:XXXX  Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company continues to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.
Product: Checking or savings account

We had a joint student checking account with the U.S. Bank. 

We received a letter from U.S. bank on XX/XX/2020, saying that they are closing our accounts and they will send a check within 15 business days. They did not give a reason but it was because of a bounced check. I deposited a check that was returned to the issuer. That was it. I did not try to make a withdrawal, we had a positive balance in our account. 

We made multiple inquiries about the situation and had no luck. They refused to give us an estimated time and did not send our money that was in our student checking account. 

The money in our checking account was for food and rent for the next three months. That is everything we have because it is our financial aid refund. 

We visited the local branch and explained our situation to the branch manager named XXXX XXXX at the XXXX office. He told us to wait 5 business days and 3 business days and so on. He finally asked to see our Financial Aid Refund document last week. I provided him with the document and he said that he will have our check onXX/XX/2020. 

However, we still do not have the check and we ran out of food about a week ago. 

They had a poster in their branch saying that they are the most ethical company in the U.S. but they do not care and respect their customers. 

I have been patient and respectful to their decision to close our account but is it ethical to take our money for survival during this difficult time? Their explanation is that they are very busy. 

However, they supposed to process our account long before the national emergency started.
Product: Credit reporting or other personal consumer reports

Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Now I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. What was sent to me was a copy for the monthly statements. That is not proof that the account is fine. I've sent in Identity Theft Documents previously and FTC Report and yet i have not received anything in the mail. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my credit report, as the latest version does not reflect my XXXX ( XXXX ) and Experian ( XXXX ) FICO Scores. I believe this may be due to a delay or oversight in the reporting process. 

Please let me know if additional information or documentation is required to facilitate this update. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a new " XXXX XXXX Credit Card '' credit card with XXXX XXXX. 
On XX/XX/XXXX, I was notified that the XXXX XXXX card would be replaced with a TD Cash Credit Card. 
On XX/XX/XXXX, I received and activated the new TD Cash Credit Card. 
On Friday, XX/XX/XXXX I received a letter in the mail indicating my TD Cash Credit Card account has been closed due to inactivity. 
On Friday, XX/XX/XXXX I called TD Bank immediately at XXXX and requested my account be reopened. 
Two representatives informed me the account could not be reopened due to TD Bank policy. 
A " floor supervisor '' named XXXX explained that notices were mailed to me warning of the inactivity and upcoming account closure. I have never received any such notices. XXXX and I confirmed the mailing address on the account is correct. 
XXXX could not explain why I did not receive any notices about the inactivity. 
I was not informed of TD Bank 's policy as it relates to inactive accounts.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXXXXXX {$400.00} on XXXX XXXX COLLECTION opened at XXXX XXXX XXXX {$180.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

Well I have a Bank of America account, had it for years I keep getting hit with overdraft fees they have took thousands of dollars in overdraft fees from the year of XXXX  XXXX and its very upsetting they never compensate my money back this always happens to me where I cant pay my bills on time, because of the overdraft fees and I had to have like six different new cards because some one take my money from places I dont understand its very stressful and upsetting I have XXXX kids to feed a single mom who works hard for her money some one needs to fix this problem its ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and Equifax are reporting accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX XXXX Any accounts from XXXX XXXX Bank and XXXX Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.
Product: Credit reporting or other personal consumer reports

Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment ( s ) Reported : XXXX / XXXX
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX  The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX  - The following personal information is incorrect - The personal data reporting is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX at XXXX a checking account was opened under my name at Bank of America. I woke up to several emails from Bank of America saying that my email had been verified, account was in process, and then that the account was open. I do not have any accounts with Bank of America. I called the number on the email XXXX. They then gave me a number to call XXXX. I spoke with a man and he said an account was opened. He asked for my info including my social security number which made me uncomfortable. He flagged the account and then said it was closed. I just want to make sure this is legit. I have frozen my credit and reported to the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Money transfer, virtual currency, or money service

Hey, thanks first for your great service i have a problem with Paypal, the problem is : paypal limited my account on XXXX XX/XX/2020, and they told me in the email that Money in my PayPal account may be held for up to 180 days to cover potential future claims, such as chargebacks filed by your customers then the rest of the money i can transfer it to my bank account after 180 days. 
today i login to my account to see that all my balance transferred to paypal without sending any email of noticing me ( balance of XXXX Transaction ID : XXXX ) i called them this morning so they can refund me the money they take they said that they take all my money because my business caused them a damage when i asked them what kind of damage so i can understand more they have got no answer for that. 
and also they were charging me XXXX at every charge back saying damage caused by chargeback ( Transaction ID : XXXX XXXX like this transaction. 
so please if there is anything you can do to help me solve this and get my money back ill be grateful to you. 

account information : paypal email : XXXX company name : XXXX XXXX Full name : XXXX XXXX XXXX XXXX Phone : XXXX XXXX thank you again for your service again.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there is a hard inquiry in there that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

XXXX XXXX  XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/20XXXX XXXX