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

I was victim of identity theft so I called experienced to dispute some fraudulent activity in my report on XX/XX/2020. I also froze my account at that time. Then on XX/XX/2020 I got an email saying that my email had changed in my account. I was the. Locked out of my account. I replied to the email that was sent and told them I had not changed my email but never received a reply back. I tried calling Experian on XXXX and was told the security questions I gave them were not correct and they could not access my account for three days. Then I was sent to fraud department who said they could not help me with identity information that was membership problem. The person was rude and hung up on me. I called again and spoke to someone else I to clarify information on my credit report but he could not get because someone changed my pin on my membership and freeze. I had to send in a letter. I believe this is an inside job with employees and must be investigated.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act, has violated my rights. 
XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Re : XXXX XXXX : XX/XX/1995 XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681 Accounts : Account numberXXXX Date openedXXXX XXXXXXXX, XXXX Account typeCollectionName XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account numbeXXXX Date openedXXXX XXXX, XXXX Account typeCollection ame XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.
Product: Money transfer, virtual currency, or money service

XXXX ) On XXXX conducted the payments in the amount XXXX {$2.00} ) On XX/XX/year> have conducted the payments in the amount XXXX {$3.00} ) On XX/XX/year> have conducted the payments in the amount XXXX {$4.00} ) on XX/XX/year> have conducted the payments in the amount XXXX $ All XXXX payments was from Account of our company LLC TD Atlantica ( XXXX XXXX with XX/XX/XXXX To account XXXX XXXX XXXX ( XXXX ) opened with XX/XX/XXXXJP MORGAN CHASE BANK was an intermidiary bank in this chain. On XXXX XXXX XXXX XX/XX/XXXX was designated under the Exutive Order XXXX, mine payments was blocked at XXXXXX/XX/XXXXand after XX/XX/year> was retuned to JP Morgan bank. After XX/XX/year> aplied to XXXX for a license to unblocked my funds on XX/XX/year>. At XX/XX/year> we have recieved license XXXX XXXX Authorizing JP MORGAN to retuned the funds to originator at one of the payments XXXX XXXX We tried to contact JP MPORGAN via XXXX from XXXX bank informing themon the fact of issuance of the above mentionedlicense and asking them to retuned the funds tou or acccount in non -sanction bank .And send fax to JPMorgan Washington XXXX XXXX Still JP Morgan has not resposed .Thus we can not recieved our money even having the license authorizing it
Product: Debt collection

I have paid this account in full and they have reported it as settled in charge off status. I was this account deleted off my charge off. 

XXXX XXXX is the name of the account
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished in my consumer report, as they are in violation under, 15 U.S Code 1681b ( a ), ( c ) ( 2 ). 
XX/XX/23 placed theft alerts w/all three reporting agencies. Contacted agencies to inform of theft alert. 
Filed a theft report w/ XXXX  on XX/XX/23 Unrecognizable accounts with excessive amounts : {$18000.00} - {$3000.00}. 
Unauthorized use of information.
Product: Mortgage

My loan just got transferred so I called my loan company to see how I can remove PMI as my home value is passed the 20 % rule. when I talked to them they told my my home did not qualify for PMI removal since its been passed 2 years and would require 75 % to remove it even though I had a XXXX that showed that and they told me I would of needed to do a huge improvement to the home which I told them I put in a new {$20000.00} retaining wall and repainted the house interior and exterior, updated kitchen and bathrooms and he told me it didn't matter, that they couldn't do it. I told them no where on the CFPB website does it state the 75 % or the 2 year requirement and they told me it was XXXX XXXX rules they couldn't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$160000.00}
Product: Checking or savings account

To this day I have not received a written response from Citibank in regards to the Unauthorized Wire Transfers from my account. 

I have asked for months for Citibank to review my account for Fraud. Within their VERBAL response they have said that the fraudulent activity was my fault. That is not true. Someone hacked into my Citibank account and changed the password without my knowledge. I did my due diligence and called the Bank immediately to advise of the unauthorized activity. 

Citibank failed to protect my account. They were advised of the fraudulent activity within minutes of it occurring. On XXXX but Citibank failed to do anything to try and research or recover the funds until XXXX. Their failure to respond in a timely manner to my call of unauthorized wire transfers caused the funds to be unrecoverable.

Citibanks Fraud department did not begin its research until XX/XX/2021 at which time they mailed me affidavit of unauthorized wire transfer. I completed the form and returned it within the required time. But there review was already 2 months after the person gained unauthorized access to my account and made the unauthorized wire transfers. 

Regulation E provides protection to the consumer against unauthorized wire transfers and it explains the responsibility of the bank.

Citibank failed to meet any of the requirements of Regulation E in the treatment of my unauthorized wire transfers.

1. They Failed to respond in a timely fashion and investigate the unauthorized wire transfers.

2. They failed to send a written explanation of their finds from the review.

3. Failed to advise me of my rights to request documentation explaining what was done and how they came to their conclusion. I have asked for the name of the person who committed the unauthorized transfers and the bank info in which it was sent. But nothing has been provide. Without this information I am unable to seek legal actions against the person.

Citibank failed to research in a timely fashion causing my Savings and Checking accounts to be emptied and prevented the recovery from the thief. 

After multiple calls to have the hold removed from my checking account and to have my funds issued to me I have not received them. Their letter says to call the fraud department but even those calls has not resulted in the funds being released to me. So they are still illegally holding my money after the fraud investigation has been resolved. 

Money from the IRS and from my Employer as a payroll deposit. 

I am still seeking assistance in recovering my funds and obtaining the releases of my money from account now that the fraud claim has been closed.
Product: Debt or credit management

XXXX XXXX XXXX  and beyond financial violated the fair credit reporting act. For 13 months they have been they have been reporting to the credit bureaus XXXX is XXXX percent interest rate and the loan Installment agreement is XXXX percent interest rate. They reported wrong information on the amount of money it's different from the installment agreement signed on XX/XX/year> and XX/XX/year>. Loan Installment agreement is XXXX they have reported to all three credit bureaus XXXX. I never signed another Installment agreement with the change. On one loan they claimed they settled with XXXX XXXX XXXX on the XXXX credit report it is different listed as a charge of Bad credit purchased by another lender. They reported wrong information to all three credit bureau. I've paid to date XXXX dollars and my monthly payment is XXXX XXXX XXXX  and beyond financial reported wrong information to the credit bureau . They did not provide the service they claimed. Accurate account and settlements with all lenders reported on the three credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. XXXX, XXXX and Transunion it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to Covid-19 I had a really good job in the Hotel industry General Manger At a XXXX  In the XXXX XXXX  got XXXX though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another idiot to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE IDIOT NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX XXXX XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag screwing us all over. I want my credit repoert fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a inaccurate item on my credit report and the credit bureau put more inaccurate information on my credit report, that does not belong to me and those items where removed and placed back on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my auto loan account ending in [ Last 4 Digits of Account Number ], as well as to raise concerns about potential unauthorized access to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to accurate reporting and protection against the misuse of their credit information. 

Upon reviewing my credit report, I noticed inquiries and activity tied to my auto loan that I did not authorize or fully understand. Under 1681b of the FCRA, my credit report may only be accessed for permissible purposes, such as credit applications or account management and only with my explicit consent. Any inquiry or sharing of my credit information beyond these legal boundaries constitutes a violation of my rights. 

Given these potential violations, I am requesting that the late payment associated with my auto loan be removed as part of resolving this issue. The presence of unauthorized inquiries and potential misuse of my report calls into question the accuracy and fairness of the late payment reporting.

I kindly request that you : 1. Investigate all credit inquiries related to my auto loan account and provide documented proof of my consent. 2. Remove the late payment from my credit report, as the improper handling of my credit information undermines the validity of this negative mark.

3. Confirm the removal in writing and provide assurance that my credit information is now handled in full compliance with the FCRA.

If this issue is not resolved promptly, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for willful noncompliance under 1681n of the FCRA. 

I appreciate your immediate attention to this matter and look forward to your response within the legally required XXXX period.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts linked to my profile. XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$1600.00} 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/18 I was called into the HR office where I work about a wage garnishment, I had not received any notification from Rothberg Logan and Warsco LLP at my home or through the XXXX County Court System. They have been garnishing my wages for several years, they have caused my daughter and I to live in a state of oppression for several years. I have a set a court date I knew nothing about until today. On several occasions they say they have not received payments that have been sent, they have put levys on my bank account, causing bills to not be paid or paid late, I have asked for them to put me on a payment plan that I can afford and the last few times I have requested to do so they want XXXX, bank statements, check stubs, etc., and to take things to court, or for things to be faxed to them when I have no access to a fax machine and cant afford to mail all that information. 

Also, I want to state that I was not served by the court I was served by my employer. Which I believe should have come from the court not the HR department. 

Also in the six years I have had to deal with this company not once have I seen a proof of obligation just letters stating I owe them money.
Product: Credit card or prepaid card

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my payments to XXXX XXXX XXXX because I broke my back back the in Summer of XXXX. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use XXXX XXXX XXXX for any type of loan or banking needs.
Product: Checking or savings account

I am living in XXXX and have been for the past few years. for the past 4 years i have used my debit card without any problems, but beginning in XXXX my card started being declined. at first i was able to contact the bank, Huntington bank, to put a travel authorization on my card to allow it to work for a month, but now the bank says there is nothing that can be done and i cant access my money form XXXX even though have a chipped card, PIN and have contacted the bank multiple times about this issue. i just want to be able to use my card here as i have for the past 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a missed/ late payment on my account ; I have never missed a payment
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.
Product: Debt collection

This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.