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

This CFPB comolaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX. An auto loan account was opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX with a balance of {$2100.00} A lease or factoring company account loan was opened at XXXX XXXX XXXX opened XX/XX/XXXX : Account number XXXX, with a balance of {$700.00}. A factoring company loan at XXXX XXXX was opened on XX/XX/XXXX, account. # XXXX. And account at XXXX XXXX XXXX. XXXX Opened on XX/XX/XXXX. XXXX : with a balance of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I am writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected. 

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX FL XXXX I request that you investigate this matter and remove all incorrect or duplicate variations of my name and address from my credit file. To assist your investigation, I have included the following documents : A copy of my government-issued ID showing my correct legal name and address.
Product: Credit card

To whom it may concern, On XXXX XXXX, I dined at a restaurant where after paying, the waitress returned a XXXX Bank of America credit card that at the time I believed to be was mine. Unbeknownst to me at the time, it was actually someone elses card also issued by Bank of America. I did not notice that I did not have my issued Bank of America credit card until XXXX XXXX. I suspect that the waitress mistakenly gave my credit card to another customer. I checked my Bank of America statements and I observed multiple charges to my account without my consent or authorization totaling up to {$200.00}. I called Bank of America and spoke to their fraud department and submitted a claim ( reissued a new credit card ) I was denied my claim. I then appealed my claim and was denied again. I would like my case looked at again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, XXXX XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Debt collection

An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with XXXX XXXX  to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
Product: Credit reporting, credit repair services, or other personal consumer reports

My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
Product: Payday loan

I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.
Product: Mortgage

There are payments that are being shown as 30 and 60 days late that are incorrect and other payments are shown as late during a loan modification when a payment could not be accepted.
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to TRANSUNION about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX 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 a 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 XXXX 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: Credit reporting or other personal consumer reports

CFPB Writeup : 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, has violated my rights 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

XXXX, Sallie Mae, XXXX XXXX XXXX XXXX are all reporting the same loan on my credit reports multiple times, with varies dates. When I dispute this information the reply back that the reporting is correct. 
The XXXX is reporting, Sallie Mae us reporting, XXXX / Sallie Mae is reporting on my Equifax and Experian. Now XXXX is reporting on my Experian also. 
This looks like I have had XXXX / XXXX accounts for student loans. It does not help that I defaulted, so the negative information is being counted multiple times. My XXXX loan accounts have been paid off in full. I attended XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Product: Bank account or service

I signed up for a CitiGold Checking Account using promotion code : XXXX which promises the consumer XXXX XXXX XXXX AAdvantage miles after spending {$1000.00} on the debit card within 60 days of account opening. When I completed this I called Citi and was told that the miles should post to my account by XXXX. 

It is now late XXXX and I have not received the miles. Here are the steps I have taken to resolve the issue myself : 1 ) A few months ago I called Citi and was told the miles would post by XXXX 2 ) I used online chat support to ensure I met the terms of the offer 3 ) I called Citi in XXXX to see where the miles are. A CSR told me that they 'd get back to me with an update in two business days 4 ) I called Citi again after four business days and was told to wait another two business days 5 ) I called Citi again and was told to wait 60 days. 

I feel like Citi Bank has pulled a bait and switch on me - they offered one thing with a very specific time frame and have instead pulled the offer and made the time frame ambiguous. I feel cheated by the bank.
Product: Debt collection

Hello, I received a letter in the mail letting me know that there was a recent security incident at NCB Management Services , Inc. I don't know who this company is, nor have I ever opened an account with them. 
There was breach of my personal information with the company named above. I don't even know if they are legit, nor have I given any permission for such company to have any of my personal information. 
I don't know if NCB is a legit company in the first place. 

Please help our society to look into this business and do some ressearch so that no other persons/businesses will be abused. 
Thank you for your time. 

XXXX XXXX
Product: Debt collection

Multiple letters have been sent out to XXXX Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Promised to pay full amount on XX/XX/XXXX. Was accepted by Synchrony bank. Barely over 1 month behind on Care Credit. 

No less than 4-6 calls PER DAY during my work day. Violation of debt collection practices.
Product: Mortgage

My home was awarded 100 % exclusively to me during a divorce by a State District Court Judge here in Texas. I had to provide a quit claim deed from her and did so releasing her from any obligation on the loan according to Texas State law and according to the Judge 's order. 

I sent the decree of Divorce and the quit claim deed to PennyMac along with a trove of other ditrius and paperwork like nine days of bank statements et cetera. 

All of this was turned in and carefully checked off according to a PennyMac statement.

Several PennyMac Assumption team " specialists '' confirmed that I had indeed turned everything I and my ex-spouse needed to turn in. Several of these people told me my wife 's name would be removed from the home in a matter of days. This was two months ago. Now these " specialists '' won't return my calls and I can do nothing with my home because PennyMac refuses to remove my wife 's name from our mortgage in defiance of a State District Court judges order. I can do nothing with my home to include refinancing it, or selling it.
Product: Checking or savings account

This is a continuation of CFPB claim number XXXX Because of that claim, which was immediately sent to Bank of America on Monday XX/XX/2021, on Friday XX/XX/2021 at XXXX I received an email from XXXX XXXX ( XXXX ) ( included a copy in this claim ) which said XXXX XXXX is now my point of contact for this claim. And he must speak to me on the telephone FIRST before he can review this claim to ensure my identity. His hours of work are XXXX Pacific time Monday through Friday. 
So he sent this email to me after he was already not available by phone on Friday. 
So I wait the entire weekend, and start calling the number in the email at XXXX and everytime I called ( 23 times between XXXX PDT ), and each time got a numbered voice mail box ( XXXX ). I left a message 3 or 4 times. 

I finally sent a reply to him in the email how frustrating this is to wait all weekend to speak to him and he never answers the phone. 

This is a completely fraudulent way of setting this " resolution '' system. 
1. this is a debt collector 2. they set the terms that I must speak to him via telephone before he can review the claim, yet he never answers the phone. 
3. I am supposed to wait indefinately for a callback or just keep calling a number that is never answered. 
4. he put a deadline for this telephone conversation at XX/XX/XXXX. 
I have absolutely no control in making that happen because they do not answer the only phone number and extension they gave me. 

This is a system set up to fail the customer. This should be illegal. 

I contacted my Senator, XXXX XXXX 's office today and they said their casework group would contact me. 

Bank of America should be shut down for failure to treat clients fairly. And if laws don't already exist to prevent this kind of shell game and one-way street, there should be some enacted NOW!
Product: Money transfer, virtual currency, or money service

I received an email from Xoom as if I had an account with them. I never opened an account with them. I emailed them back several times and phoned them to inform them that I never open an account with them.

Their response Was we need to know the email you opened the account with and I told him I never opened the account. I Finally emailed them and told him the email I got the initial email from them and they said they would escalate it to verification. The verification emails I received from them said the same thing. I want them to close this account and they refused to do so and I consider this fraud Because I never open the account with them. Please contact them and tell them to closest account as I will do not want to do business with them.

This is one email from them. 

Xoom Dear XXXX XXXX, We're sorry, but the email address used to contact us is different than the one registered to your Xoom account.

Please send us an email from the address we have on file or contact us with questions and we'll be happy to assist you. 

Xoom Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by Xoom, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Learn to identify phishing ref : XXXX : ref
Product: Money transfer, virtual currency, or money service

paypal close my account for not reason after i received my XXXX dollar. 
they told me that they will made my money avalible for XX/XX/XXXX but, i call them and they dont want release my money. 
i want my money back now, i waited to much. 


my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report an incorrect telephone number and outdated address information on my credit report in addition to inaccurate accounts, account balances, and payment information. The erroneous manner in which monthly account payment information is reported on my report indicates credit fixing. Too, an account where the account number was changed because of a lost card is being reported as 2 separate accounts with the lost card account still being reported as open and current. I am being denied credit based on payments Transunion reports that appear designed to discriminate against me as a minority.
Product: Credit reporting

Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under SBNASELFLNDR  30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter.