23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ordered a XXXX XXXX XXXX  from XXXX in the XXXX website using my XXXX for {$2100.00} on XXXX Friday of 2022 and athe store called me and wanted XXXX more on XXXX for shipping the electric bike so I signed up with XXXX through my bank and they said this person was trustworthy using XXXX after calling them to verify the emails for transaction and bike was supposedly shipped now. So I paid XXXX more through XXXX  next day I get a text from XXXX my money is being refunded for XXXX. So called store only to hear he has problems with XXXX and wanted the money through XXXX. So I sent him the money though XXXX after receiving the money from XXXX and actually never was sent a thing for XXXX that I was scammed for including shipping and deliveries and custom fees that were all through XXXX and I reported a regulation e to my bank and they denied any credit and let the scammer get off with my money and would give me a charge back. So I want to know if I can get my money back from the bank since they know which account it went to and won't help me or give me my money I've complained to everyone involved and with no recorse from anyone
Product: Debt collection

CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX has failed to update my personal information including my phone number email and address after sending documents in on numerous occasions. The XXXX line no one answers the phone ever. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have mailed in bank statements driver 's license Social Security card everything. No response no update 4 months
Product: Bank account or service

On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card

canceled a XXXX in mid XXXX. 
requested a check for the rewards balance. 
company refuses to send a check for the rewards balance of {$88.00}.
Product: Student loan

I have a student loan for my daughter since XX/XX/XXXX and initially it was serviced by XXXX XXXX and then later transferred over to Navient. The loan had an original interest rate of XXXX % and when i consolidated the XXXX loans the rate was reduced to XXXX % while my payment amount of {$380.00} did not change. Recently I questioned Navient representative regarding the loan payoff and was told that my loan loan will be paid off much earlier than the original payoff year of XX/XX/XXXX. When I checked on line the payoff year was still XX/XX/XXXX. I questioned this and delayed my payment due last month by about XXXX days. With this delay in payment Navient increased the interest rate up to XXXX %. When I questioned this was told that I did live up to my commitment and as such the interest rate has been increased to XXXX %. Navient still continues to dodge the question of payoff year and how the loan is amortized.
Product: Mortgage

In a response provided by the company Eagle Home Mortgage , LLC., regarding a matter in relation to the denial of approval for a Federal Housing Administration loan for which I am continuing to seek further information and clarification, the mortgage lending entity Eagle Home Mortgage details that on XX/XX/2020, " Statement of Denial ... was sent to MrXXXX XXXX current address via U.S. mail. '' As the applicant, who clarified my mailing address in  numerous pieces of documentation, I never received such a letter detailing the reasons behind the denial of my mortgage application, neither by mail nor electronic messaging, and have continued seeking this piece of information from the mortgage lender, as it is a crucial piece of evidence in my continued dealings with a home builder in the state of Florida. 

I am requesting that Eagle Home Mortgage forward me evidence of the mailing of such a letter, such as a tracking number, a date and time scan from the mailer provided in a paper report, or stamp with the date and time of acceptance to verify the truthfulness of this claim. Additionally, because the matter of my denial pertains to disclosures of my citizenship status in the United States, I would like the lending entity to clarify whether they explained, disclosed, or stressed during the lending process that approval of the loan was contingent to status as a U.S. citizen or permanent resident, and why it is that a discrepancy exists between their copy of in my responses to Section VIII of my initial Uniform Residential Loan Application and my own original version. 

The responses I have received from the lender are in contradiction with guidelines established by the Federal Housing Administration,  so I am seeking to be in receipt of their lending policy procedures and details of their requirements, in addition to evidence of whether such requirements were disclosed from the beginning of my initial application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. XXXX XXXX accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct. 

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.
Product: Credit reporting

I have inquiries on my file that do not belong to be- XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX, XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my local XXXX XXXX and my card was stolen. I did not realize what had happened until XX/XX/XXXX because the purchases were not flagged by Self FinancialXXXX XXXX XXXX XXXX XXXX I contacted Self Financial and made them aware of over XXXX transactions totaling close to {$700.00}. The customer service representatives continued to not include all of the transactions that were fraudulent and lessen the amount owed. I also contacted the police and the incident was investigated throughly by XXXX XXXX XXXX and the perpertrators were captured on camera. Despite the fact that I offered to provide the police report, XXXX. XXXXXXXX XXXX information for direct contact, and proof of the theives existance ( Security officer at one of the stores is a witness ) Self Financial continued to deny my claim, because they said that transactions happened after the incident occcured. This is a lie, and comes from a place of profound ignorance of facts. 1. ) As I mentioned earlier in this letter, Self customer service agents did not record all of the transactions made by the theives so it makes it look like transactions came in after the fact. 2. ) The only transaction that " officially '' came in after the incidents was a refund of XXXX from " XXXX XXXX XXXXXXXX '', The thing that frustrates me the most is that even though I submitted this dispute three times to Self Financial they never contacted me to get the police report, or any information from me for verification. I have not only been victimized once but three times. 1. ) By the perpertrators of the crime, 2. ) By Self Financial who continues to treat me as an accomplice/or a liar and 3. ) My creditXXXX  score has been gravely affected because the credit card has a high balance that I did not create. This is a list of the transactions made by the theives : 1. ) XXXX {$100.00}, XXXX. ) XXXX {$1.00}, {$160.00}, {$87.00}, {$160.00}, {$24.00}, {$10.00} XXXX. ) XXXX XXXX XXXX {$100.00} and XXXX ). XXXX {$8.00}. Please note that all of these stores are located in the same place at a large indoor mall, therefore it is very easy to just walk from one store to the other. I used the card at a XXXX XXXX and the XXXX XXXX ( were it was stolen ) earlier in the day at the same mall. On a final note and something I have been pondering... sometimes I make a purchase and the transaction comes in as pending and then gets processed many days later as posted. Why is Self punishing me for something they have established as common practice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATION NOT CORRECT PLEASE REMOVE XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.
Product: Credit card

I had an account with XXXX XXXX for which TD Retail Card Services was the servicer. The last time I used the account was in XXXX and it was paid in full. 

On XX/XX/XXXX, at approximately XXXX pm, I received a phone call from TD Retail Card Services, Fraud Department, notifying me that someone was attempting to increase my XXXX account credit limit. I informed her that I had not made that request and this was indeed a fraudulent attempt and they should absolutely deny this request and she agreed. 

On XX/XX/XXXX, I was notified by XXXX of late payments on my XXXX XXXX account. After several overwhelming calls between myself, XXXX and TD Retail Card Services, I leaned that there was an account take-over. TD Retail Card Services informed me that this happened sometime in XXXX, and although I did receive a fraud notification call on XX/XX/XXXX, TD Retail Card Services, still went ahead and approved purchases of {$7000.00} on XX/XX/XXXX. When the account take over occurred, TD Card Services send a new card to : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. There is also a phone # ( XXXX ) XXXX. When TD Retail Card Services clearly knew this is not my identifying information, then why would they send a card in my name to an address in NC when I live in NY? 

I am still struggling to clear this mess, and it is very difficult and overwhelming. It takes so much of time to have an actual customer service person to assist you on the phone. In addition, even after speaking with someone, the problem persists. It seems like there is no end or no solution. TD Retail Card Services are making serious mistakes and enabling identify theft to persist and they are not doing anything to assist the victims. 

In addition to all of this, my credit score is continuously going down. From XX/XX/XXXX to date, my credit score decreases by XXXX points and it shows as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank states that on XX/XX/2020 my credit score from XXXX XXXX was XXXX. My information shows my credit score from XXXX XXXX was XXXX. I would like a copy of the report Fifth Third Bank received from XXXX XXXX that showed my score being XXXX.
Product: Credit reporting or other personal consumer reports

A vehicle was leased through XXXX XXXX through XXXX XXXX with my identity. 
The vehicle was an XXXX XXXX XXXX Leased in XXXX XXXX The car was repossessed in XXXX Other names on the account were XXXX XXXX, and XXXX XXXX XXXX as my father ) I have no knowledge of any of these individuals. I was told by a representative at XXXXXXXX XXXX to fill out this form. This information was provided through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and noted inaccuracies in the payment history as well as the closing account date. I contacted the company to address this and they responded that they would remove all payment history and XXXX out the balance on the account due to it being sold to another lender. When I pulled my report the same reporting information is being reported and the inaccurate payment history stating that payments were made XXXX and XXXX of 2018 to one agency and that no payment was received in the same months to another agency. Also, the close date has been reported as XX/XX//2018 on XXXX, But account being open with payments being made on XXXX. This company has refused to fix the situation prior to now and continue to report inaccurate information to my account violating FCRA. I have attached a recent copy of my credit report with all three bureaus combined.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are 44 inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX  to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX Remove Item from My Credit Re I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX Account Number : XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you to remove and delete forever the accounts that are not mine. I am very brutally became a victim of identity theft and can not do anything in order to remove these fake items. I am kindly asking you to move towards resolution of my situation and help me to remove these items. Please I rely on ur help
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX  2collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Paid balance in full to synchrony bank/care credit XX/XX/21 called the bank and they told me it would clear credit bureaus XX/XX/21 hadnt happened just talked to representative XX/XX/21 and was told it would come off credit report XX/XX/21. My name is XXXX XXXX and balance that was paid was {$130.00}. My email is XXXX XXXX