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

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit card

I submitted a claim for baggage delay under benefits allowed by my credit card. 
Date Baggage was Delayed : XX/XX/XXXX Claim filed XX/XX/XXXX I am disappointed and somewhat amused by the company 's response requesting for additional documents repeatedly. The documents they have asked for in the last round ( documentation from common carrier documenting when luggage was delivered and the itinerary with dates of travel, cost and last 4 digits of credit card number ) have already been submitted - in fact some documents submitted multiple times and in much detail. 

I am forced to conclude that repeatedly asking for the same documentation so as to delay the process and delay paying of the rightful claim to the claimant. 

Again, all requested documentation ahs been submitted previously in much detail. I should expect claims to be processed in a reasonable time frame without undue burden to the claimant ( e.g. repeatedly requesting the same documentation ). 

I have spent countless hours gathering and providing all the required documentation in an expedited manner.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The companies have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over XXXX years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX I 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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. 
PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.
Product: Payday loan, title loan, or personal loan

I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I have a loan with XXXX XXXX, XXXX XXXX, and CAPITAL ONE. I have always made my payments on time. As you can see,  I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Once again XXXX and Experian have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to XXXX XXXX the account number was from XXXX. Experian account number is XXXX
Product: Credit card or prepaid card

The past few months I have had to replace my credit card because of fraud. Two of the charges, one on XX/XX/XXXX and one on XX/XX/XXXX at XXXX for {$140.00} and $ XXXXwere disputed as I did not make this purchase, I did not receive whatever it was that was purchased and I have never purchased anything from them. I opened a claim but now BofA has closed the case and put the charges back on my card. Bank of America is claiming that the merchant provided documentation confirming that I received the merchandise. I called BofA on XX/XX/XXXX requesting the documentation but they did not have any, I have the right to see this supposed documentation. I want to see my signature, the address the merchandise was delivered to, and who signed for it because it was not me.
Product: Student loan

Thank you for taking the time to review my case. My loans were originally sold to XXXX and I originally submitted the following documentation in XXXX of XXXX. My loans were then sold to or assumed by XXXX XXXX. I've uploaded the documentation to that portal and it states it was reviewed in XXXX of XXXX ; I've called twice and asked to speak to an agent with the most recent call taking place the week of XX/XX/XXXX. I asked to please speak with a loan counselor about the form because the dates being reviewed are incorrect. I was told I could not speak with someone I'd have to upload a case ; this is the third time I've attempted to upload the same documentation. I also tried submitting a complaint on the Student Aid.gov website ; I tried to submit a complaint three times and the website says " error '' that they working on the error and try again later ; it's been like this for a few weeks now. Essentially I have no way to talk to a human, explain what's going on, and I can not submit a complaint on their website. 

I worked for XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX. I'm not getting full credit for the time that I worked there and part of this is because I was in school ; I know those months do not count. However, the following months should count. 

XXXX, XXXX, XXXX, XXXX I have documentation attached here from the HR representative that shows I was employed those months. I have documentation here that shows that they acknowledge that I was a XXXX employee, but that I worked approximately 36 hours each week. I have documentation here that shows that they do not have the ability to verify hours worked due to the length of time ago that this took place. I'm requesting help to try address this, so my loans can be forgiven. Thank you!
Product: Debt collection

! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.
Product: Debt collection

Calls.. already told them that that was included in my bankruptcy and gave them the bankruptcy case number and they kept on arguing back with me that I needed to pay them.. last call was today XX/XX/2019. Portafolio Recovery XXXX XXXX and XXXX XXXX. They are all showing on my credit report and lower my score from a XXXX to a XXXX.
Product: Debt collection

I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 accounts that are reporting inaccurately to all three of my credit bureaus, per the FCRA they all have to report the same accurate information. I want these accounts that are reporting inaccurately to be deleted from all three credit bureaus. I have attached pictures highlighting the inaccuracies.
Product: Credit reporting or other personal consumer reports

Ok XX/XX/year> I reported erroneous inquiries on my credit report and sent my license/utility bill and poss identity theft report to prove it and they sent a letter asking if it was me- stating that my letter sounded funny. They said it was suspicious.
Product: Bank account or service

Bank of America converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language.
Product: Student loan

I have been struggling to make my student loan payments for the last XXXX years since XXXX of XXXX. Since then my interest had added over XXXX to the debt to date. It took XXXX years before I was informed of the rate reduction program, that none of the employees seemed to know about, instead they offered forbearance and loan payment deferments, which kept the interest building. I am currently unable to make payments and they are unwilling to help. My current debt to date is XXXX on the private loans and XXXX on the federal loans through Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my records is wrong information, i know about my rights and i understand my information must be XXXX porcent accurate, verify and completness, EQUIFAX is just puting on my credit inaccurate information, i already dispute it a month ago but they dont answer my complaint, the 30 days they have is over and at the moment i did not recieve anything about it, so the credit bureu is not doind the homework they are not interest in my as a customer so this is why im contacting the CFPB XXXX need help with the lazy credit bureu
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MONEYLION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Prepaid card

On XX/XX/year> I attempted to make a purchase with my MoneyNetwork debit card. The transaction was declined. I arrived home and called MoneyNetwork to try and figure out what was going on with my account. The customer service representative told me that the app was unreliable. She started going over my transaction history. She listed XXXX transactions into a personal bank account that I never authorized, XXXX in the amount of {$740.00} on XX/XX/year>, the other {$690.00} on XX/XX/year>. I never added this account to MoneyNetwork account. The representative assured me she was sending me file claim dispute paperwork to fill out through the mail. In this time I was able to find the information of the account my money was transfered to. The routing and account number is provided in a screenshot that I've attached. I've attempted to reach out to whatever bank this account is with and could not. 

I found the same claim dispute for on the MoneyNetwork website and instead faxed it in to MoneyNetwork. I called the next day to learn my claim had been denied, because the name used on the unauthorized account was my name. I have since sent in an appeal, proving that my account has been compromised. The account was closed, yet the hacker is still trying to access the account. The last photo is a screenshot taken on XX/XX/XXXX, proof that the unauthorized user is still attempting to access my account. They have so far been unable to because I've since changed my password.
Product: Mortgage

This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
Product: Debt collection

Pay pal/ Synchrony Financial Bank states that I have a {$4900.00} credit limit account with them. There is a balance {$1400.00} that I supposedly used. I've never signed for that type of card or loan with them nor for that amount. I requested to see the original contract for proof the ownership for that account. They informed me that they don't have a contract to show me. 
The company has also made a payment to themselves on the account XXXX XXXX and stated it was from me in an effort to re-start the status of the account. Ive not made a payment to pay pal in XXXX from any account that I own because Ive been disputing the account since the closing on XX/XX/XXXX when I noticed the account details.
Product: Credit card or prepaid card

I received an email from American Express statingDuring our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team. This has been my account for 5 years they say they closed it because I received a direct deposit in my name from my employer?? Which I've been getting those deposits for 5 years because I work there then they just close it no call mo warning nothing just closed