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

From XXXX too XXXX During the pandemic I was XXXX XXXX XXXX XXXX XXXX on two occasions during these XXXX I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports
Product: Debt collection

This account credit management is incorrect. I sent a debt validation letter and tried disputing to credit agency and they couldnt provide validation of the debt and verify me with proof they assume I owe. You can not furnishes information knowingly inaccurate by law under 15USC 1681. You must maximum accuracy and this is completely in violation. This in fact, is identity theft upon me, which violates my rights. I never gave written instructions to do so, which the law states. This is hurting me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX  account no. is XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma sente pre-approved credit card offers, I then got denied after they ran a credit check.it affected my credit score with a negative impact.
Product: Vehicle loan or lease

Right before the freeze in XXXX we where out of light and water for like a week the car lot came pick my car up Sunday evening around XXXX my other car note was due Monday I was going to give them a call Monday and work something out with my payments they came and got my vehicle and lying saying they picked my vehicle up Monday morning My car notes are XXXX every 2 weeks due to me recovering from XXXX XXXX XXXX my wife been paying on it I call the bank Monday to get my car back to pay the 2 car notes they added more chargers on there so I had to pay them XXXX, for Misc payment, regular payments XXXX include taxs ig, collateral insurance CPI XXXX=XXXX paid them that in full in there still holding my car at a storage not to mention I have to pay the storage as well the company is ccm finance there very rude threat you with there come take your car and you want get it back and they will hang the phone up in your face you will get more complaints and another thing the reason why I was behind because something messed up on my car I had to pay XXXX to get my car out the repair shop that the car lot in paid XXXX after that
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST XXXX   DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO CITIBANK. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT CITIBANK ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT CITIBANK HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. These items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let this fraud inquiry affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify these items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete these items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.
Product: Checking or savings account

On XX/XX/XXXX, I canceled my flight due to being sick with covid, with XXXX XXXX, I was told that in order to receive a refund I would need to submit documentation proof, i submitted the documentation and I was denied a refund. I then reached out to Wells Fargo on XX/XX/XXXX and filed a dispute with the bank. I informed them that I was a denied a refunds with the airlines and then they opened a dispute, and told me to check back in 10 business days. The next day the dispute was immediately denied and they then stated that they needed proof airlines in the policy that if I were to cancel due to a medical concern that I could be refunded if I submitted the proper documentation, so I submitted the documentation and then the claim was reopened, a few days later the claim was denied again, called Wells Fargo and they said that Visa would automatically deny the claim because of the rules that their is no refund policy, with disregard to the exception of if a person becomes sick, can send in the proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts with these different creditors, have 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 states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : 1. XXXX XXXX XXXX- {$620.00} - Closed on XX/XX/XXXX 2. XXXX XXXX- {$3600.00} - Closed on XX/XX/XXXX 3. Department of Education- {$1100.00} - Closed on XX/XX/XXXX 4. US Dept. Of Education/XXXX - {$3400.00} - Closed On XX/XX/XXXX XXXX. Department of Education - {$1900.00} - Closed on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX {$1000.00} - Closed on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - {$10000.00} - Closed On XX/XX/XXXX Collection : 1. XXXX XXXX XXXX - {$4100.00} Hard Inquiries : 1. XXXX XXXX bank ) - XX/XX/XXXX 2. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( bank ) - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 those account 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  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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts in my name on my experian credit report that I dont have a clue about. XXXX is XXXX credit card and the other iXXXX XXXX XXXX  XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.
Product: Debt collection

i dont recognize this debt and have asked for original written documentation between the parties. They have continued to threaten by saying they are going to sue me and then they disconnect call, when im trying to get there physical address. One of the reps name XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Student loan

Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want TD Auto Finance off my credit report all together. This is Unauthorized and unverifiable. According the FCRA this account is unauthorized and it must be removed asap or Im filing a law suit.
Product: Money transfer, virtual currency, or money service

filing this complaint to address the financial loss and lack of resolution I have faced due to fraudulent transactions made through Zelle. Over time, I have suffered significant financial harm {$1400.00} from a recent incident and potentially hundreds or thousands more from previous instances. 

I have repeatedly contacted both Zelle and the banks involved to resolve these issues, but I have experienced substantial difficulties in obtaining meaningful assistance. Despite following all proper procedures to report the fraud, my concerns have been dismissed or unresolved, leaving me without reimbursement or clarity on how these issues occurred. 

Zelle and the banks have failed to adequately investigate or provide remedies, which has resulted in financial hardship and immense frustration. Zelle markets its platform as a safe and secure way to send money, yet it has become a tool for fraud, and I feel unprotected as a consumer. 

Steps Taken : I reported the fraudulent transactions to my bank ( XXXX ) and Zelle immediately upon discovery. 
I worked back and forth with my bank ( XXXX ) in an attempt to resolve the issue but was not provided a satisfactory resolution. 
Zelle has refused to assist or acknowledge responsibility for the financial loss.
Product: Credit reporting or other personal consumer reports

To my disbelief, I saw some incorrect accounts on my credit report today, and I honestly have no clue why theyre there. I routinely check my report, but these errors just showed up out of nowhere. I even refreshed my browser hoping it was some sort of technical issue, but no the inaccuracies remained. I really hope my documents are looked at closely so this never happens again because this is so troubling.
Product: Credit card or prepaid card

Below is a summary of a sequence of events involving Citicard and their failure to deliver my account funds to me. 

-Closed Citicards account -Refund was made to closed Citicard account by a retailer. 
-Positive balance appears in closed Citicard account. 
-Requested payment from Citicard via check. No check arrives in mail. This is odd because I have previously received mail from Citicard and do not have any known issues with mail delivery. 
-Requested payment for second time from Citicards , same failure to deliver check via mail occurs. 
-Requested idle check balance be reapplied to my account, this occurs after some time. 
-Requested wire transfer to my bank account. Payment not transferred in projected time frame. 

After numerous conversations with Citicard representatives, we are all in agreement that the Citcard has my funds and thus an obligation to deliver them to me. They have simply failed to actually deliver these funds three separate times. This is an alarming pattern, especially given the feedback I have recently received from personal friends in addition to Citicard 's abysmal reviews on the web. 

Where do regulators draw a line between fraud and poor service? If my experience is also that of others, this bank should not be allowed to operate in the United States.
Product: Money transfer, virtual currency, or money service

PayPal once again closed/permanently limited my account for no valid reason ( a day ago ) ..Tried to submit some valid documents but they just declined and suddenly blocked my account. Many times tried to ask or beg to reopen or atleast to release my money inside the account ( everything the stories i told to them ) but no sense at all ... Those little money just i worked hard for some online transactions so i won't see anything wrong with that..My PayPal account : XXXX. 
Thanks and regards..
Product: Mortgage

During the month of XX/XX/2019, without prior notice, the institution increased the mortgage payment which was {$480.00} to XXXX. The institution stated that the increase was due to XXXX taxes. The property has a tax exemption since the mortgage was acquired. In the process, the steps were taken to complete the payment. The time passed but the payments were made even with the increases to the mortgage which were never planned. They state that the increase was by the government regulatory entity, but that mortgage was duly worked and there is a tax exemption of which they are aware. The institution reported the incident to the credit bureau, an action that it considered was preempted, since what caused the dislocation was the increase in the mortgage without prior notice from the institution.
Product: Credit reporting or other personal consumer reports

This account was charged off : Since then, the date of last activity has been inconsistently updated on Transunion the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Checking or savings account

Hi, Bank of America has charged my account several times for " Legal Order Fees ''. The fees are more than the amount that was placed on the lien. On more than one occasion, they've drained all the money from account. They charge {$120.00} per legal order fee and refuse to reimburse my account. It's causing me great financial difficulties because of the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University XXXX XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
Product: Credit card or prepaid card

I was a with SYNCB/TJX CO customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/2016 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act this company has violated my fedeally protected consumers right to privacy and confidentiality under 15 USC 1681. I have told XXXX, XXXX, and XXXX to reinvestigate this account. They have stated everything was complete and accurate. But how can this be posible if the open date and the date of lastactivity is incorrect and some other things as well are incorrect. According to 15 USC 1681i ( 5 ) these accounts are supposed to be modified if they are being reported incorrectly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-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. 

This company has violated my right according to consumers laws that i have stated the original creditor or lending company has closed this account, so now this new company National Credit Adju has added a new inaccurate debt to my credit report. This account is showing two times on my report. 
Please investigate this error. This is causing me to have issues getting employment. 

This company is also not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.