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

XXXX  HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXXL -- NOT MINE XXXX   XXXX XXXX -- NOT MINE EQUIFAX   MORTGAGE SERVICE -- NOT MINE XXXX XXXX OF -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX | XXXX XXXX XXXX. XXXX XXXX XXXX. | EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES | EQUIFAX MORTGAGE XXXX EQUIFAX MORTGAGE SERVICES | XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy Court Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Letter on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I also sent a letter formerly complaining about not being taken serious, and was responded with a stall letter saying I am not myself to try to give them more time to respond. they are in violation to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of now, and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Product: Credit card

I have made several payments since XX/XX/XXXX to the credit card. My payments are being applied to the balance transfer promotional balance and am being charged interest on purchases when their terms and conditions state that " Any amount paid over the minimum due, will be applied to the balance with the highest interest rate. '' that is not what is happening. my payments are being applied to my balances with 0 % causing me to be charged interest on purchases that I am making the payments on. the following payments have been made since XXXX. {$86.00} should have been applied to my Balance transfer balance and the rest to my purchase balance but that has not been the case. i have called multiple times and requested the payments be applied correctly but struggle to even get the problem communicated since every rep I have spoken to struggles to understand and communicate in English. 
I made a total of 8 payments totaling {$6100.00} since acquiring the card. payments are being applied to the 0 % balance when it should be applied to the purchases made. Citi Offered a balance transfer promotion at 0 % until XXXX. Citi has been applying my payments to the 0 % balance transfer instead of my higher interest transactions. Citi could have simply made a correction to their payment application ( All banks and credit card companies offer this solution and is usually resolved within a week. mistakes happen. I have 10 years of experience in this area ). There is even a voice recorded interaction with a manager from Citi agreeing with me and understanding essence of the issue and my frustration. he assured me that it was a simple fix from back office and he submitted a request for the payment correction to be processed. It took about 3 or 4 phone interactions before i got this far in the process of trying to correct this mistake and 2 chat interactions since communicating verbally seems to be difficult for CITI employees. I have made payments totaling {$6100.00} since the opening of the account. I did 3 Balance transfer not 4 like the executive response stated. 2 months after initiating the balance transfer Citi Applied my payments to the balance transfer balance and charging me interest on my purchases which goes against their policy and anyone with simple understanding can tell that this company is defrauding me out of money by applying payments to 0 % balances instead of the balances with high interest. their customer service have given multiple responses but have failed to listen to my initial concern. every call has been bombarded with explanations without understanding the problem. not a single solution has been offered. i will continue to submit complaints until issue is resolved i will also add that i have made a total of 8 payments to Citi they only mentioned 3 in their response demonstrating that they haven't looked at my complaint or the details of the case they provide at least 2 instances in their response with incorrect information and i encourage CFPB or other agencies to get involved. Citi not only provided misleading/false information on their response to a different complaint # XXXX.
Product: Checking or savings account

I had spoken to a Bank of America representative on XX/XX/year> who claimed that my credit card was going to be written off on XX/XX/year> unless I was able to make a payment. She then offered to me an opportunity to make a monthly payment of {$80.00} for 6 months. I told her that I could pay today but somehow, we settled for XX/XX/XXXX but I wasn't able to make the payment until XX/XX/year>. I then, on XX/XX/year> made the scheduled payment of {$80.00} from my checking account to the credit card as I was informed to do by the representative. On XX/XX/year> I noticed that Bank of America had taken the {$80.00} payment from my checking account to pay my prearranged credit card payment. So, I called Bank of America to request payment of a double charge to my credit card account and I was told to wait until the payment posted. So today, I called to dispute the {$80.00} charge from my checking account. I was transferred 3 times and was told that they could not issue a credit to my checking account because, I had an overdue balance on my credit card account and there was no record that I had a payment arrangement. If I didn't have a payment arrangement for my credit card then how can Bank of America illegally take funds from my checking account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified to Equifax in regards to three collections on my account. The collections account numbers are XXXX, XXXX, XXXX .They are reporting a collection with no original creditor. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon receiving it. They have not responded to the letter I sent and have since " verified '' the collection on my report without giving me any proof or method of their investigation nor providing an original creditor. Since Equifax has not disclosed this information and I am unable to contact the original creditor, please DELETE the following accounts from my credit profile immediately. 

I have attached the letter I sent to Equifax as well as proof of it being sent certified mail. XX/XX/2020 via tracking number XXXX XXXX XXXX XXXX XXXX and delivered XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX, XXXX have sent out cease and desist letters to XXXX along with debt validation letters. Today XX/XX/XXXX I still have 3 HARD INQUIRIES and LATE PAYMENTS that has yet not been removed, due to not having a wet signature or any consent in that nature, they have continued to not follow up with my letters nor remove what was demanded to be removed from my credit report. These being reported has brought my credit down tremendously. My family has not been able to get approved for a car, house or anything thats needed to get through life. I have been turned down getting approved for anything and its causing stress to me and my family, giving me hard times. 
INQUIRIES : XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX In accordance with the fair credit Reporting act XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent a letter of validation to navy federal credit union. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under 15 us code 1681 the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of 15 us code 1692f. 15 us code 1635 was not disclosed to me either this is also violation of federal law. 15 usc 1605a was not disclosed to me. Nav federal is attemping to collect an alleged debt illegaly via XXXXXXXX XXXX. article 1 section 10 states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Product: Debt collection

On XX/XX/XXXX I placed an order with XXXX XXXX XXXX on their site XXXX XXXX XXXXXXXX for the total amount of XXXX XXXXXXXX amount was financed through Affirm Inc through XXXX XXXX XXXXXXXX XXXX Payments XXXX of Payments XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Merchant was unable to deliver the order to my address and the delivery was cancelled. 
On XXXX, XX/XX/XXXX merchant confirmed cancellation by email and informed that a full refund will be issued in 3-10 business days. *Free returns and free shipping is also the policy I agreed to when I placed an order Since this has not been reflected on my Affirm account, on XX/XX/XXXX I opened a dispute with Affirm regarding the loan. 
On XX/XX/XXXX send me an email denying my dispute because " Affirm lacks sufficient evidence from the merchant '' suggesting that I should resolve issue directly with merchant I have attemptedto contact XXXX XXXX XXXX but did not hear backfrom them. 
XXXX XXXX XXXX failed to take necessary action to verifywith their financingpartner that the order was cancelled before delivery Affirm Inc failed to verify that I actually owe the debt they are trying to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out
Product: Checking or savings account

They closed my account because they said they do a yearly review I had to many claims so its best if they close my account
Product: Vehicle loan or lease

I inquired about a vehicle at a dealership XXXX auto they asked I fill out a credit application of which I did. 
I never received a vehicle from them and they used my information which is currently appearing on my credit report. I have tried contacting the dealer and they are closed and out of business and Sensible auto also has numerous complaints regarding the dealership criminal and deceptive practices on record from numerous people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to a complaint I sent to TransUnion. The complaint ID is XXXX. I am a victim of identity theft and it has been well over 4 business days and they have not blocked the information. TransUnion needs to follow directions pursuant 15 U.S.C 1681c-2 ( a )
Product: Credit card

Hello, I am an investor for Navy Federal since I receive a payment coupon on a monthly basis. Payment coupon are defined as The dollar amount of interest paid to an investor. The amount is calculated by multiplying the interest of the bond by its face value I HAVE NOT RECEIVED MY INTEREST FOR THE ACCOUNT ENDING IN XXXX NOR HAS THE INTEREST AND PRINCIPAL BEEN APPLIED TO THE ACCOUNT FOR SET OFF. XXXX, XXXXAgent on behalf of XXXX XXXX accepts all right XXXX titles, and interest for account ending XXXX. XXXXAgent on behalf of XXXX XXXX REVOKES POWER OF ATTORNEY and SECURITY INTEREST FOR NAVY FEDERAL CREDIT UNION FOR ACCOUNT ENDING IN XXXX. I am requesting the account be REOPENED since I provided an asset back security/loan/investment/debt security/receivable/registered security/book entry security to Navy Federal Credit Union and I have not received equal consideration This account is already prepaid due to my application/account being pledged to the federal reserve bank as collateral security. The XXXX Annual Report states At XX/XX/XXXX, Navy Federal pledged consumer and credit card loans to the FRB as collateral with a carrying amount of {$42.00} XXXX for the ability to borrow up to {$28.00} XXXX. At XX/XX/XXXX, Navy Federal pledged mortgage loans held for investment with a carrying amount of {$26.00} XXXX and debt securities with fair value of {$1.00} XXXX to the XXXX as collateral for the ability to borrow up to {$20.00} XXXX. As of XX/XX/XXXX, Navy Federal pledged {$25.00} XXXX of consumer and credit card loans 50 Navy Federal Credit Union XXXX Annual Report NOTES TO CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED XX/XX/XXXX AND XXXX to the XXXX  as collateral for the ability to borrow up to {$19.00} XXXX. Please note this is SECURITIES FRAUD pursuant to 18 U.S. Code 1348 - Securities and commodities fraud since the security was obtained by means of false or fraudulent pretenses, representations. The cardmember agreement never disclosed the account would become a receivable that is securitized and sold on the secondary market or the credit card loan being pledged to the Federal Reserve as collateral. Please complete the request within 10 business days of receipt or I will be forced to escalate this matter to the proper regulatory authorities such as the SEC, FIRNA, IRS. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.
Product: Credit reporting or other personal consumer reports

[ Account Name : Spring Oaks Capital LLC and Acc # : XXXX ] - [ ] Has violated my rights. 
Late Payments - 15 U.S. Code 1681a ( 2Xi ) - 12 CFR 1026.13 ( Billing Error Resolution ) - 15 U.S. Code 1666 ( b ) - 15 U.S. Code 1637 ( a ) - [ ] 15 U.S.C 1681 section 602 A states I have the right to privacy Collections- 15 U.S. Code 1692c - 15 U.S. Code 1692g - [ ] 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions - Charge-Offs - 15 U.S. Code 1635 - 15 U.S. Code 1692g - 15 U.S. Code 1681 ( c ) ( 2 ) 8. Hard Inquiries - 15 U.S. Code 1681 ( n )
Product: Debt collection

I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX  is still reporting this fraudulent information to my XXXX, XXXX, and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries these unauthorized inquiries has affected my credit profile in a negative way, under the FCRA specifically U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy which has been violated. These unauthorized inquiries needs to be removed immediately. 

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

These inquiries I didn't authorize. they should not be on credit report. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support  Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I  strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I received a check from the U.S. Treasury department in the amount of {$1400.00}. I do not have a bank account and desperately need this money so I took the check and my government issued, valid I.D to my local XXXX grocery store. The employee at the customer service desk/money center immediately ask me to sign the back of the check. After doing so, I was asked to enter my social security number repeatedly on their debit machine. After approximately 5 minutes, the employee rudely informed me that they could not cash the check nor give me a reason as to why this decision was made. She handed me a XXXX receipt that had a phone number for " certegy '' listed on it. She told me " they will explain everything ''. I immediately called and was told even less than I already knew. I now have a {$1400.00} check I can not cash and have no idea why.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Equifax and XXXX multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.