23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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  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: Credit card

I dont know how I got all these declined my identity was stolen and that the reason why I have all these things in my credit and I want to remove them I didnt make any of them I only have one bank account I just open and that through XXXX that all
Product: Debt collection

XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because each credit company will charge me each time I freeze/unfreeze my accounts and because I now need to regularly freeze/unfreeze my accounts because of Equifax 's egregious security failure/breach, I need a letter from Equifax stating I was affected by the breach, so I can upload it to Experian, who said they would provide me with freeze/unfreeze access for free for 5 years. However, when I went onto Equifax 's website, there is no place to request such letter and no email address or other electronic means of requesting one. I need this letter as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX  said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau Balance {$9600.00} Balance updated XX/XX/XXXX Original balance {$9300.00} Account info Account number XXXX RE : Re : Violation of the XXXX privacy act, violation of education/privacy act. The XXXX said they would not share my financial transactions with a third party. Experian is a CPA, not a creditbureau XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off- Balance - Balance updated - Original balance {$250.00} Account info Account number XXXX Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802 XXXX XXXX XXXX creditor : XXXX Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/XXXX Original balance {$490.00} Account info Account number XXXX Date opened Re ; Per FCRA as a federally protected consumer iam opting out of any or all authorization I the Consumer may have given per 15 USC 6802
Product: Credit reporting

On or about XX/XX/XXXX my XXXX credit card ending in XXXX went past due. On XX/XX/XXXX my account was charged off. This account is still reporting and should have been removed based on the fact it has been more than 7 years since the date it first went past due. 

I have attached statements for the account proving the status of the account XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I was contacted by a foreign individual alleging to have been working with XXXX and stated that I had a virus on my computer. He then provided me with instructions on how he could assist with the virus on my computer and proceeded to remote into my computer ( I have a computer log to show access on my computer ). He then told me that I would need to purchase gift cards for payment to him for fixing my computer. I then proceeded to go to various stores including XXXX, XXXX and XXXX to purchase gift cards while this individual remained on the phone with me over the course of going from store to store over hours. He deceptively had me purchase gift cards totaling {$14000.00} using my Chase credit card. I was told by the individual that the gift cards were not working so under his insistence, I continuously tried to purchase a gift card that would work, sometimes multiple cards at one store in what I thought was an attempt to find a working gift card. Through the course of all the transactions, i incurred charges of {$14000.00} over the course of a few hours. The man told me I had to stay on the phone and could not hang up. He also told me that some gift cards were not the correct amount and would be refunded back to my credit card. He continuously gave me reasons to keep trying to purchase cards. 

I am elderly and suffer from a XXXX XXXX XXXX, which is well documented in my medical records for several years. I now realize that I was naive to believe this man, but he made me believe that I would be in trouble for not paying for the services he provided to fix my computer. I was scared that I would not be able to pay him. I did not even realize by the end of the day, that I even tried to purchase that amount of gift cards. The man kept telling me the cards were coming up " not redeemable '' every time I tried purchasing a gift card and provided him the number and he told me that my credit card would not be charged since the gift card did not work. 

I filed a police report which I can provide you access to. 

I attempted to dispute the charges with Chase. They first agreed to waive all the charges but then decided to add them back on and charge me for them. They did keep {$500.00} off from XXXX since the XXXX system denied the charge. It wasnt until thousands of dollars was charged to my card that Chase finally declined the transaction. I retained an attorney who attempted to contact them but received no response from Chase. 

I have had years of excellent credit history with Chase and am upset that they would not have blocked my card sooner. If they would have blocked the card and had me call in to remove the block earlier, I would have discovered that these purchases were going through.
Product: Checking or savings account

My wallet was lost and there has been unauthorized charges to my account. I have reached out to both the bank and the merchant. The merchant told me to file the claim with my bank and they will reverse the charges. Chime declined my claim XXXX XXXX and refused to provide any documentation to show how they came to this - these were fraudulent charges- they refused all credits on my account- never received a temporary credit or anything. They resolved this claim in less than 24 hours. I kept reopening the claim to get them to work the claim, however, they refused to advise on the steps they took. My entire wallet was lost. I am certain that they did not process my claim accordingly to the law. 

Claim XXXX XXXX  Chime also denied this claim- they had no details to provide as to why the claim was denied, again allowing unauthorized charges to my account and refusing to provide a credit. This claim is supposed to be on my credit builder account - credit card account - This account functions like a checking account online, allowing for unlimited of daily transfers, no pre-set spending limit, no monthly invoicing/billing. However, when you file a dispute, it is processed like a credit card, but functions as a debit card. 

Claim XXXX XXXX  - Chime will also eventually deny this credit with any due diligence or verifiable documentation that they took the appropriate steps to make sure that my claim is processed. 

I have filed 3 claims, and each claim has been denied - THESE ARE FRAUDELENT TRANSACTIONS- I reported them as fraud. These are not my transactions, and the bank would have known that if they took the appropriate steps. Please help me get my money from these fraudulent transactions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have tried to finance some furniture by using XXXX XXXX XXXX. When they did a soft pull of credit it bounced back stating that my credit file was locked. I reached out to XXXX, EQUIFAX, and XXXX. All XXXX credit bureaus have my credit file XXXX. When I asked all XXXX bureaus why is it that it keeps showing that it is frozen from XXXX XXXX XXXXXXXX XXXX  end and none of them can answer that question. It is very weird that it says my account is frozen but talking with and signing in online to all bureaus it shows there is no freeze on my file. I would like a full investigation into why this is happening.
Product: Credit reporting or other personal consumer reports

under Section XXXX XXXX, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ w ] ithin XXXX days after the initial communication with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unknown party used my personal information as well as my wife 's to open a fraudulent personal loan account with a company named XXXX XXXX XXXX. The credit application and ensuing loan were generated without my wife or me having contacted the bank for any reason. We also never received any check or wire transfer for this loan. Since the day the account was discovered on our credit report after it was already open, we have contacted the XXXX XXXX  on XXXX separate occasions to inform them of this fraudulent activity with the expectation that they would investigate and close the account. I have also initiated disputes with TransUnion XXXX  XXXX for my credit report. As of XX/XX/XXXX, the account is still unresolved and XXXX XXXX  asked for a past due payment. 
The loan in question was opened for a total of {$5000.00} without any direct knowledge from my wife or me. We never received any form of contact from this bank leading up to the loan. We never were contacted or provided any documents after the loan was processed, including any bills for payment. This is an indication of fraud as well. The loan has clearly been opened without our involvement and we also have no physical record of any loan from XXXX XXXX or documents related to it. 
XXXX XXXX XXXX contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a ford we could not continue to pay on. After this ford motor company hired XXXX XXXX XXXX XXXX to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a XXXX percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from XXXX XXXX law firm, they have had several complaints against them in the past years, both in state and federal court.
Product: Checking or savings account

I received a promotional offer to open a new checking account and to receive a {$400.00} bonus after meeting the terms and conditions. The terms and conditions included 2 direct deposits totaling {$1000.00} within 90 days of opening the account. The fine print mentioned that the {$400.00} bonus would be available within 4 weeks of the last qualifying deposit. I have proof that the promo code was applied at the time of application. I also called and confirmed it was applied on 2 separate occasions. I was advised both times that I called that it was applied and that I had meet the qualifications and that I just needed to be patient and wait for the 4 week processing time. I called again after 4 weeks and I am now being told the code wasnt applied to my account. 


I opened my new Truist account on XX/XX/2023 using promo code XXXX. 

XXXX account was linked for opening deposit and authorization given for transfer on XX/XX/2023. 

Test Deposits received off XXXX and XXXX received on XX/XX/2023. Deposits verified on Truist.com on XX/XX/2023 {$1800.00} direct deposit was received on XX/XX/2023. This was the first qualifying deposit. 

{$1800.00} direct deposit was received on XX/XX/2023. This was the second qualifying direct deposit. 

XX/XX/2023 was the 4 week time frame quoted to me to receive the bonus. 

I have a screenshot at the time of the application showing the promo code attached. I am happy to provide.
Product: Debt collection

I contacted XXXX XXXX XXXX by mail to validate debts : XXXX ). XXXX XXXX Account XXXX Amount {XXXX} ; Collection Agency XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX ; XXXX ). XXXX XXXX A Account Number XXXX Amount XXXX ; XXXX XXXX : XXXX XXXX XXXX Account Number XXXX Amount {XXXX} ; XXXX ). XXXX Account XXXX XXXX XXXX XXXX} ; XXXX ). XXXX XXXX XXXX, Account Number : XXXX Amount {XXXX}, Collection Agency : NCB Management Service : XXXX Amount {XXXX} and XXXX XXXX Account Number XXXX Amount {XXXX. They did not provide legitimate proof. I have called numerous of times this past month asking a customer service representatives how my debts were verified she did not have any information on these accounts that was supposedly mine. I 've requested to speak with a supervisor on many occasions, they did not provide adequate information either on how they { proved the debt was mine verified and validated } and was in hurry to get me off phone when I asked questions about these collection account. The supervisor told me that they could dispute the accounts again but I 've told her that I have repeatedly disputed each account four times this year XXXX, XXXX, XXXX and XXXX XXXX. I 've also requested proof of the collection agencies right to collect on the debts listed above and still no proof provided. I will provide proof where XXXX have removed some debts listed above but all three bureaus need to removed all debts immediately. I greatly appreciate your help in removing the following debts from all three credit bureaus.
Product: Mortgage

XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft due to an equifax credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX/XXXX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX
Product: Debt collection

I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute.

This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

This complaint best seen as a follow-up to complaint with code XXXX. 

A brief overview of the events is as follows : i. A set of transactions I did not recognise were posted to the account in late XX/XX/XXXX. 

ii. My multiple attempts to contact Discover to address the matter were summarily ignored. I will add also that this was deliberate, as stated by Discover in their final response to complaint XXXX. 

iii. In that same letter, dated XX/XX/XXXX, Discover claimed a fraud investigation was ongoing. 

iv. I have not had any formal communication from Discover since this letter. 

Thus, as of today 92 days have passed since the formal acknowledgement of a fraud investigation, with no resolution.