23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX  is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. 

*Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case in the attachments
Product: Credit card

This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high.
Product: Vehicle loan or lease

I paid my loan off early on XX/XX/2022. On XX/XX/2022 I received a document from the loan company confirming that the XXXX had been released. However, I did not receive my car title in the mail as they said I would, so on XX/XX/2022 I called the loan company to check in. They said the state takes a long time to mail titles, but that everything looked good on their end. After XXXX more months I still had not received the title so I went to the XXXX on XX/XX/2022. The XXXX informed me the electronic XXXX had not been released by the loan company. I called the loan company and spoke to a representative who said there had been an issue with the electronic release and they would correct it. XXXX month later I still had not received the title and so I called the loan company again on XX/XX/2022. The person I spoke to was not able to confirm the electronic release had been processed and said she would call me back the next day. By the end of the following day I had not received a call so I called the loan company again on XX/XX/2022. The person I talked to said the electronic release had been processed. I waited XXXX months but still had not received the title so I went back to the XXXX on XX/XX/2022. The XXXX told me the electronic release had not gone through yet. On XX/XX/2022 I called the loan company again. They said they had called the state on XX/XX/2022 ( a pretty big coincidence that they called the day before I called them after XXXX months of no action ) and that they were working to figure out the electronic release. However, I have lost trust that this company is following through after 8 months of being told that this electronic release had gone through when that was consistently not the case. I need help holding this company accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian to correct inaccuracies on my credit report. 
They currently list multiple address that are incorrect and even obviously versions of the same address with one being the correct one : XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. The other two version don't include my apartment number or incomplete address of the street. The XXXX XXXX XXXX is my sister residence where I never resided or received mail at. 
The items being disputed were submitted XX/XX/XXXX which haven't been resolved and Experian expressing in their correspondence that their projected date of resolution to be XX/XX/XXXX. That clearly is past 30 days to verify the information I asked to be verified. 
There are two mortgage inquiries with no permissible permission to be on my report. I don't own a home and actually have a real estate license so wouldn't use either to the creditors that accessed my report. There is no accounts tied to these creditors on my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX under account number XXXX, a XXXX  XXXX XXXX  XXXX XXXX XXXX on XXXX of XXXX I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. Further these accounts are now considered in litigation. 


I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I will continue to open up rhis complaint until i receive proof of signatire that i received the package in dispute from XXXX XXXX. I am not responsible for packages left as that shows no PROOF that i received a package and i will Not be held responsible For a package That had a picture taken of The package. One could take a pictire and then take a package as im Not insinuating that happened but i am Implying fhat does Not prove j received the package. 
I am Not paying XXXX a Packabe that i dkd Not receive and you have Showed me nothing as i Am Requiring a sugnature of Myself Or someone i have authorized to sign for my package. You have Failed To provide me that and you are holding me accountable versus XXXX XXXX who needs to require that to ensure all packages are received by recipients. 
PLEASE PROVIDE ME SIGNATURE PROOF OF DELIVERY BY ME OR SOMEONE I HAVE AUTHORIZED TO SIGN FOR MY PACKAGES THIS IS MY LAST ATTEMPT IN REQUESTING THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was recently denied a loan and the reason cited was a " Derogatory public record on credit file. '' I have been aware of this item in my credit report for quite some time and have been working for several months to have this removed from my credit report as it does not belong in there. 

The record at issue is a Judgement which appears in my Equifax report. Attachment A is a letter from the attorney for the prosecution explaining that while I was a defendant in that case, the judgement is against a different party. I was only named because I was a tenant at the time of the lawsuit and the lawsuit sought to possess the property, but never owed any debt related to this case. The XXXX County Court Order in Attachment B supports that statement. I was named in that case merely because I was a lessee. However, I have never owed any debt related to that case. Finally, Attachment C is the case history which you can also access at XXXX 

While this item has been successfully removed from my XXXX and XXXX reports, Equifax unfortunately remains obstinate. I have made two attempts to have this corrected and both times, I received replies that the item has been updated to report satisfied/released. ( See Attachments D and E, disputes XXXX and XXXX ). However, according to several telephone conversations I 've had with Equifax 's customer service representatives, there is nothing I can do to have the record removed entirely from the report. I am told that all I can do is wait until 7 years have passed since the judgement was filed, which is in XXXX 2017. 

The lawyers who prosecuted that case say that there is no judgement against me so it is impossible for them to go to court to have a judgment removed from the court records.
Product: Checking or savings account

I was banking with Bank of America on the mobile app for XXXX and I was locked out of my account, with the only way to get back in being to perform a password reset. On the app itself, in the picture I attached, it says if you know your password that you can log in. When you click the link the app logged me out and if I log back in it takes me to the same page, in an endless loop much like the call I had with BofA. The claim on the BofA mobile app is all I need to access my account is my password. They also required additional personal information. BofA did not oblige by the claim made on their banking app. When I asked BofA to let me into my account, and gave them all my personal information and correct password with text verification, they repeatedly gave me the run around saying in various ways that I need to reset my password. I did not want to do a password reset, and it's in the app, saying in plain text that I can login if I know my password. Why should I have to reset my password if there's no fraud and I know all my information? The claim that all I need to login is my password is misleading and when presented with these facts. They acknowledged that fact and refused to help me gain access to my account. Bank of America is constantly changing their password requirements, and doesn't let customers use repeat passwords. If I change my password and then forget it, I could be locked out of my account. They also required me to enter sensitive personal information that a regular person could have trouble retrieving on demand just to use their mobile app, especially if they're on the go. That's why this a problem. They shouldn't be allowed to set unwritten restrictions on account access, or at should at the very least be honest about their claims. I have a record of my password and account information that I used to log in that I can provide if needed.
Product: Credit card or prepaid card

When I went to pay my monthly payment I saw that there was a charge for {$140.00} to XXXX that I never made. I did order headlight bulbs and a passenger mirror for my wifes XXXX on XX/XX/XXXX for {$84.00} paid from my checking account via XXXX. I haven't ordered from XXXX after that and the nearest order previously was on XX/XX/21 for {$110.00} for tie rod ends for my truck. I never ordered anything on XX/XX/XXXX and I never recieved anything and there's no history of that in my account. Chase stated they " found no evidence of billing error.. '' and '' The charge will remain on your account '' I'll attach the letter signed, XXXX as evidence along with everything I sent Chase as they requested. 

Weeks from getting the denial letter from Chase signed by " XXXX '' I went to pay my bill and saw multiple fraudulent charges to " XXXX '' and XXXX cash cards. Credits and returns for $ XXXX. Several. And then they got right on it apparently, but the {$140.00}, not so much. I've still seen no credit for this. Despite everything I've seen zero evidence in my account that this has been credited back to me and all the interest withdrawn. They haven't done anything but shine me on with this XXXX charge. They refused to give me a transaction reference number and then later acted as if it was credited with the XXXX fraud. But it wasn't and still isn't.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/year> under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I Applied for credit at XXXX, XXXX, XXXX and XXXX XXXX. 
trying to establish credit, I have been rejected by all inquiries, stating that Ihave low score reported by TransUnion LLC Consumer Relations CenterXXXX XXXX XXXX, Pa XXXX XXXX. I am young and feel Ibeen Discriminated Based on my age and or Race, as a result of myapplying at these Companies for Credit, all I have Obtain is a lot of HardInquiries that are now having an Adverse Effect on my credit Score, just byInquiring to get Credit. The Federal Equal Credit Opportunity Act Prohibits Creditorsfrom Discriminating against credit applicants [ Provided the applicant has the capacity to enter into a binding contract. Prohibited Practices 12 CFR 1002.4 A creditor shashall not make any oral or written statement, in advertising or otherwise, to apllplications or prospective applicants, that would discourage on a prohibited basis, areasonable person from making or pursuing an application. Regards to the Creadit Scoring System, any system other than the Empirically derived andStatically Sound is a Judgmental System. I currently have to contact these companiesCompanies that I applied for Credit and ask if they can send from eachthem a Letter to TransUnion LLC Consumer Relations, requesting, if I canget these Hard Inquiries Deleted off my Report, only because I Applied forCredit. Being Young and just able to Apply for Credit, has been DiscouragingNot knowing the more I applied, that this would also hurt my Credit Reportwith these Hard Inquiries, and Obtaining still No Credit Opportunity toEstablish Credit, Now I only have Hard Inquiries on Report.
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, IL, IL XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Student loan

So ... ... I received an email yesterday from Navient saying that statement is ready so I took a look as saw that I owe {$500.00} for XX/XX/XXXX and XX/XX/XXXX even though my original state shows that my monthly payment are {$100.00}. The rep tells me that I reapplied for the IBR plan in XX/XX/XXXX and I 'm telling him no I did n't since I applied in XX/XX/XXXX, he said they have a signed application from and I sent them proof of my income which I remember doing but I thought it was from my original application so now my payments has gone up by {$150.00} even though I have an agreed term showing that my payments are set at {$100.00} until the end of 2016 and my income has NOT changes from last year and I get paid once a month. 
I CAN NOT afford {$250.00} a month and if I come off the IBR plan then my payments are {$200.00}, I asked him why the payments are lower off the plan and he said he was using some income table which mean he really does n't know how much my payment will be! I am trying to be a responsible grown up and clean up my credit and debt this year but Navient has got the wrong person this time so I will be paying what I agreed to until I receive the signed copy of my so called application from XX/XX/XXXX, these are slick and trying to get over on EVERYONE but not with me!!!
Product: Student loan

I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame, I am writing to file a formal complaint against TransUnion. I have attempted to contact them on several occasions regarding their inaccurate reporting of my information with XXXX XXXX XXXX. I have requested that they investigate each claim for accuracy and have not been resolved. The inaccuracies and derogatory mark placed on my file has caused my inability to obtain credit with much stress and anxiety as well as damaging to my credit. 
I am asking for you to intervene for a fair judgment based on the Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report. 

Please find below in bullet of items found on my report that is missing or inaccurate. 

Incomplete or missing account number ( XXXX ) A charge off account in the amount of {$1100.00} Incorrect high balance of {$1700.00} Late Payments
Product: Debt collection

I was a victim of Identity theft from XXXXXXXX XXXX in XXXX FL XXXX 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is XXXX XXXX XXXX Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}
Product: Credit reporting or other personal consumer reports

I was in a XXXX XXXX XXXX and there have been major inaccurate calculations that Im current in litigation with in regards to a pending foreclosure. The issue at hand is per my bankruptcy XXXX XXXX XXXX XXXX XXXX it explicitly prohibits XXXXXXXX XXXX from reporting on my credit report. According to my credit report XXXX is Claiming I haven't made a payment since XX/XX/XXXX ( see attached ) However they failed to acknowledge they sent my XXXX payment of XXXX ( see attached ) Furthermore on the credit report I haven't payed in over 120 days, Thats inaccurate. 

Based on my Foreclosure Complaint I have been in default since XXXX ( see attached ) XXXX has been my Servicer Post Bankruptcy for 6 years. They have been completely non existent on my credit report until XX/XX/XXXX. According to XXXX XXXX I been in defualt, but there nothing on my credit report previously reflecting that? 

This needs to be removed immediately because its illegal violation of my XXXX XXXXXXXX order and it is completely inaccurate. Also, Please forward me the EXACT MONTHS I became deliquent. I have proof of every payment for the exception for when it was refused
Product: Money transfer, virtual currency, or money service

Because they said me need to provide the XXXX card to make the transaction process up to end then all my provided XXXX  they add to the money i received
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX XXXXTRANSUNION claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. XXXX beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX  XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021