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

In accordance with the Fair Credit Reporting act XXXX  Account # 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance refuses to discuss the debt being fraudulent. I have never heard of them or received a bill from them. I know this is fraud but they refuse to take this off my credit report and it is hindering my request for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have contacted CitiBank multiple times with issues regarding my Home Depot credit card. 
Primarily they made accessing statements and online information impossible, which resulting in late fees I feel are erroneous. 
After a move, I asked for statements to be sent to my new address. I needed a full history on the account because the move was due to a divorce and the credit card balance would ultimately be settled in court. 
XX/XX/XXXX I called to request these statements. When they arrived they were not historical, but a simple one month statement. 
XX/XX/XXXX I called to complain again. I was told I must make a payment to bring my account current, which I did. This, I was told, would enable them to send a full history on my account as well as a replacement card. The replacement card is important, because I was told I could not re-gain online access until I had a new card. BUT- my online access was deleted by a Citibank associate when I called in XX/XX/XXXX. They admitted to this but did not reinstate my online account. 
I paid {$500.00} to bring the account current on XX/XX/XXXX, and was told I would receive my statements to assist me in getting online to make regular payments in 7-10 business days. 
On the 8th business day, XX/XX/XXXX I still did not have my statements but was assessed a {$39.00} late fee. The manager I spoke with on the XX/XX/XXXX did not advise me that another payment would be due before I would have the information needed to make a payment. ( Again- I did not have online access because they deleted my account and admitted to doing this on a recorded line, and I did not have a paper statement because they had not arrived yet in the mail. ) On XX/XX/XXXX I spoke with associate XXXX who assured me he would order the historical information on the account. I then spoke with manager XXXX ( ID # XXXX ) who refused to take off the {$39.00} fee. I explained I was unaware that a payment was due because 1 ) I did not have online access due to an error on their part, 2 ) I didn't have my paper statements yet, again due to their team sending me the wrong statements previously requested and 3 ) because the manager I spoke with on XX/XX/XXXX did not advise me a payment would be due before I had a statement. Manager XXXX ( ID # XXXX ) agreed with me that these previous statements were true, but he would not refund the fee.
Product: Debt collection

XXXX XXXX says I owe them money I had asked them to validate the debt and I never received validation.today a very rude lawyer who said he was in Illinois called and said I was on a recorded line and demanding money .I have no knowledge of this account.this man screamed at me and over talked me and threaten to take me to court.i advised him I knew the laws and I needed this supposed debt validated .he screamed louder in my ear and told me I didn't know what I was talking about.i advised him that if XXXX XXXX takes me to court I will sue for fraud and harrassment.i looked at my credit report XXXX XXXX is on it I am not sure how they can do this when I never had a signed contract with them.i am demanding a signed contract be sent to me and XXXX XXXX to remove themselves from my credit report.if this man ever calls me again and screams at me again I will fill out a police report.i am wondering if this is identity fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of an account on my consumer credit report that was previously removed due to identity theft. The re-adding of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws codified under Title 15 of the United States Code ( USC ). Such actions are not only improper but also undermine the trust and accuracy expected in credit reporting practices.

Under 15 USC 1681c-2, once an account has been confirmed as fraudulent due to identity theft and removed from a credit report, it is explicitly prohibited for the account to reappear unless it is verified as legitimate through proper documentation and due process. In this instance, no such verification, documentation, or prior notification was provided to me before this account was re-added to my credit report, violating established legal protocols and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax refused to freeze my credit report, and refused to give me any information that would allow me to get my report frozen. 
Equifax claimed it can not identify me -- after I spent close to two hours online, on hold, speaking to two representatives, and being cut off twice. ( Both XXXX and XXXX had no difficulty identifying me, and freezing my reports. ) Equifax appeared to get hung up on credit cards questions, and on my inability to recall the issuers and balances on cards I cancelled many years ago. 
Although Equifax ( " XXXX '' ) said I must make a written request, it refused to provide the name of an individual, an office, or an address in the United States that I may contact. ( The only address he provided, and only after repeated requests, was for himself : XXXX, Customer Representative, XXXX XXXX XXXX XXXX, 1 XXXX XXXX XXXX, XXXX, XXXX. ) Nor would " XXXX '' allow me to speak with his XXXX  supervisor. I explained that I need to freeze my report before leaving the country. " XXXX '' also refused to put me in touch with the Equifax legal department or to identify the Equifax agent for service of process in Virginia. ( " XXXX '' initially claimed that he was the agent for service of process. )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}, {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R  226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not my accounts and I didn't have anything to do with or authorize any of this.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX acct # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  acct # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Student loan

I have an account for student loan o never signed a contract with XXXX and the school I went to was never accredited so it was pointless had to go to another school to get a real license I think once XXXX XXXX was sold the loan isn't my responsibility anymore and again the money I paid while in school where did it go because again I never got a license
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX XXXX {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX XXXX {$6600.00} XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear cfpb I have requested all my complaint documents and attachments sent with the company responses to be sent to me asap via certified preferably due to my identity theft XXXX XXXX XXXX XXXX nc XXXX XXXX Fax XXXX Asap. I received the bank of America file but the redacted XXXX file was not in there please check and recopy only the XXXX redacted signature card submitted by XXXX XXXX from bank of America regulatory. 
Please confirm via email when they are being sent Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX  {$27000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$6.00} XXXX XXXX XXXX XXXX XXXX  {$850.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Checking or savings account

Yesterday I made a deposit on my account and today when I tried to login and check the deposit it showed my account was suspended when I a called the number I was transferred countless times to a back office operator who literally mistreated and treated me like trash and dropped my calls 3 times and when i would call back he would literally accuse me of hanging up the call, this person literally made notes on my account forbidden people to give me information and everyone i spoke with after this person was invasive and dismissive with me and worst yet the person closed my account and refused to explain to me what exactly happened. 

They literally humiliated me to the point i broke down crying begging for someone to speak with me with a grain of understanding and willingness to tell me and explain me whatever was happening.

They told me they needed to just confirm a few things but in reality that XXXX office person who closed my account and made false reports and notes I literally had an account one day and was using my card less than 24 hours later they closed my account and humiliated me i never in my life felt so mistreated and humiliated. im literally crying writing those words because thats how small and insignificant they made me fell and how they treated me. 

please i want to hear the calls and want to know what i did wrong to be humiliated the way they did to me
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Checking or savings account

I opened an account in XXXX and found about fraudulent account with about {$4000.00} opened in my name in XXXX before I was a customer with Wells Fargo. Once reported I got my online access and changed my passwords and username. The account has yet to be closed despite XXXX separate conversations discussing the fraudulent account and desire for it be closed.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness.

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

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

still waiting to receive status of previous request for complaint about XXXX. Previously, I wasn't able to get ANY reports from this website. Now, I am able to selectively receive reports. As an example, today I was ab le to obtain my report from XXXX, but when I tried to get the same report from Equifax, I got an error message. I will try to attach screenshot of such message if your system accommodates the file size of such attachment. I will also try to get XXXX  report from same website but not sure if I will be successful. If these companies make billions of dollars in profits every year, they should at minimum be responsible for : 1 ) keeping our information secure : in the case of Equifax, they failed ; and 2 ) have a robust enough website to allow multiple users to access the information they are mandated by law to provide in a timely and convenient way ( online ) for consumers. So far, this has been spotty at best.
Product: Credit reporting or other personal consumer reports

( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public trust, which is necessary for the banking system to continue operating, and inaccurate credit reports directly reduce the effectiveness of the banking system. 

Therefore, any infraction of the FCRA reduces the effectiveness of the banking system. My consumer report violates my privacy because I have discretion over what is and is not revealed. It would be deemed identity theft if any accounts were reported without my explicit agreement. 

This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2.
Product: Bank account or service

On XXXX/XXXX/2016 I requested a stop payment to be made for a pending bill of {$370.00} which I was told would be handled, and I was charged a {$30.00} stop payment fee. On XXXX/XXXX/2016 the charge of {$370.00} was then debited from my account. When I called in the the customer service team, I was told by the XXXX rep that the charge was only pending, and would not clear, however, the call was dropped. When I called back in I was told by a XXXX representative that the stop was not completed correctly, as the charge was not an ACH transfer and that it would not be enforced. Upon request I was then connected to a supervisor who told me again that because the stop payment was not entered correctly it would not be enforced - but that I could file a claim with the claims department. I was then transferred to the claims department who said that a claim couldnt be placed and I would have to request a refund from the merchant directly. This now leaves me with a balance that is {$300.00} short of my rent check that was delivered this morning, which means that check will bounce and I will then be charged NSF fees by both CHASE, NA and my landlord causing me even further financial hardships. Had I been notified by the Chase customer service rep on XX/XX/XXXX that the could not put a stop payment on non ACH payments, I could have attempted to make other arrangements for the money, however, due to the failure of the Chase customer service team to properly train their staff on their policies and procedures I am now without any other options.
Product: Credit card

My payment was due XXXX XXXX, 2016 and although I paid it on XXXX XXXX, 2016 I was assessed a late fee the day the payment was XXXX XXXX, 2016. It seems that the late fee should be given on XXXX XXXX, 2016 or there should be a grace period.
Product: Debt collection

XXXX debt is reported XXXX by AFNI as XXXX seperate debts and again by XXXX XXXX XXXX. XXXX debt is on my credit report XXXX times ( XXXX by same company AFNI ). I do not understand how they can do this! It hurts my credit report by showing I owe more than the actual amount of only {$210.00}. The original creditors of XXXX and XXXX XXXX are the same debt as the company sold and sold all debts to XXXX. It should only be XXXX collection account for {$210.00} showing original creditor as XXXX. Can the XXXX reporting of the same debt be dealt with since it is just incorrect information. I have n't even been contacted by the collection agencies showing on the report just from the original creditor a long time ago. I am not paying the same bill XXXX different times!
Product: Credit reporting, credit repair services, or other personal consumer reports

they removed all fraud accounts and still left 1 from XXXX XXXX bank there was 2 accounts associated with XXXX they removed 1 and left then other which does not make sense please remove account immediately it is preventing me from getting a new home and causing me hardship
Product: Credit card or prepaid card

The Citi Dividend card offers a cash back feature and I had accumulated greater than a thousand dollars in rewards. When Citi unexpectedly changed a number of other card benefits, card usage came to a complete halt. The reward dollars were lost because the card was not used for over a year. Apparently, this is in the card terms and conditions wherein reward dollars are forfeited if the card is not actively used. I was not aware of this. However, during the course of over one year, no updates, no card statements or notifications were provided as Citi kept on deducting reward dollars. 

I believe Citi had a responsibility to provide statements each month when the reward dollars were being deducted and the balance was being reduced. This would have alerted me to the issue and enabled me to take corrective action. 

Multiple calls to customer service have not resulted in Citi acknowledging their fault of not notifying customers when customer funds were being deducted from customer reward account.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 in MONTHS REPORTING LATE 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}