23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Disputed for several months to no help Ive got 4 collections with unknown creditor and all different account statuses definition of inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

There is a late payment showing on my account which was a result of issues with my personal checking account and the online payment portal for first tech not working. I have never had a late payment and this should be reversed and not on my credit
Product: Checking or savings account

O n  XXXX / XXXX /16, I d iscovered that someone had written checks under my  XXXX -year-old mothers name to her   XXXX   savings account from   XX/XX/XXXX  t  hru  XXXX / XXXX /16. Abo ut {$25000.00}  0ver two m onths. My mother lives in  XXXX   XXXX  CA while I live in  XXXX  FL. I am her   XXXX   child and Durable Power of Attorney. I contacted Citibank on   XXXX / XXXX /16 t o alert them to the fraud and was given a case number.      Got let terhead dated o n XX/XX/XXXX  saying case would be closed within 10 calendar days due to insufficient documentation ( Thus deadline was  XX/XX/XXXX ).      Called  Citibank  o n  XX/XX/XXXX  and t hey told me that I was supposed to submit a form we were never told about bef ore ( my husba nd and I did a conference call on speaker phone, so he heard everything they said too ).     Immediately filled out their form and notarized. Sent all documentation by  USPS   Priority Express Mail o n   XX/XX/XXXX  and USPS showed it delivered on  XXXX / XXXX /16 that was well within 10-day deadline cited in  XX/XX/XXXX  letter.      Nothing until I received a Citibank denial letter dated    XXXX / XXXX /16. Called Citibank on  XXXX / XXXX /16. After numerous calls, they refused to transfer me to Internal Review Unit, they said they never received the Priority Express mail. I told them I had proof from USPS that they picked up this mail. Staff then said they would look for the package and get back in touch with me. They never did.
On  XXXX / XXXX /16 again called Citibank IRU department. They stated they had no rec  ord of any of my prior calls in their computer documentation or of any received documentation and denied that staff were supposed to contact me. After I pleaded, they asked me to fax them the documents which I did asap ( see fax confirmation ) on the same day as the call. They also said Why didnt you file a police report? Which they never suggested in any previous phone calls with them.     They repeatedly asked why I hadnt filed  the Citibank rep ort in person on behalf of my mother even after I told them every call that I could not physically do so because  Citibank has no off ices where I live in  XXXX  FL. The closest Citibank branch i s one  in  XXXX  which is abou t 300 miles away. Citibank only  has ATM machines in  XXXX  FL.     On   XXXX / XXXX /16 re ceived another letter saying case was closed because I did not meet the reporting deadline.      FYI, Citibank N EVER sent any mail notification to my mother regarding this rapid withdrawal of funds from her saving account that was highly unusual activity since no monies had ever been withdrawn from this account before. The signatures on the checks do not remotely match my moth ers signature. Citibank also had an internal Citibank Investigative unit staff call and interview me on  XXXX / XXXX /16 about the case and my existing evidence so that CITIBANK could recover money but NOT my mothers account. They insisted that their internal investigation was different ( two  separate things ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with AMERICAN EXPRESS regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries. 
I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that XXXX conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a automatic monthly transfer from my saving account to my checking account. On X/XX/2017 sufficient funds were not available on my checking account for this automatic in house transfer. Instead of canceling or delaying this transfer, the bank processed an overdraft protection transfer, from my saving to my checking account. Then it processed the automatic monthly transfer, sending the money back to my savings account, and then charged {$12.00} for the overdraft protection transfer. So monies went from my savings to my checking, then checking back to my savings, but {$12.00} was not, the bank kept that'l.
<P/>
I understand the transfers " worked as they were supposed to '' but this is an unfair practice and only hurts the consumer, to gain revenue. The bank needs to relook at this practice so that it helps the consumer, not the Bank.
<P/>
I am requesting the {$12.00} overdraft protection fee be reimbursed.
Product: Consumer Loan

I had filed a complaint against Key Bank XXXX XXXX Ohio. I sent it to The Federal reserve. They said to contact this branch. We have a boat we are trying to sell, We had a deposit on it in XXXX, we tried numerous times to contact them. We where behind XXXX or two months on payments, they would call us, but trying to get to someone who knew what was suppose to be done is clueless. The sale fell through, the buyer did n't want to wait any longer. We had it sold for {$28000.00}. Well now we have someone else gave the broker a deposit, he offered XXXX. Again with this bank, the buyer wants to get a title they say it takes XXXX90 days for the funds to clear. We are near losing this sale. We have lost our farm and instead of having the bank take the boat back we are trying to make payments. Well now that we filed a complaint against the bank a women who 's name is XXXX, said she would not talk to us, whatever they are going to do will be in writing. Is this ridiculous or what, this is why this country is in the shape it is in. So what do we do now, the bank, will not talk to us, the buyer wants to buy the boat. I have never in my life dealt with a stupid bank, none of the departments knows what the other is doing. What so I guess we wait and loose another sale. All the buyer wants is a bill of sale. In XXXX or 10 days. I thought this would be done, but since I contacted this agency and XXXX they will not talk to us. I want someone to know we are not wealthy but just would like someone in that bank make it right. So now we wait till a different department sends us a letter and we have no idea how long that will take. The bank did ok a short sale on this boat, but as I said it took the lose of XXXX sale and maybe the loss of another.
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 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 reporting, credit repair services, or other personal consumer reports

According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

XXXX also violated the law because according to XXXX U.S.C XXXX section XXXX A. state 's I have a right to privacy XXXX XXXX. XXXX section XXXX A. section XXXX also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX. 
Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
14. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.
Product: Credit card

On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''
Product: Debt collection

The debt has been placed on my credit report by a third party for an account that is not mine. I have never had an account with the original creditor. I requested they provide a contract or information showing the origination of the debt and they replied with a copy of a bill from my previous address and refuse to remove the debt from credit reporting after being notified this is fraud. There is no contract or agreement because I have never had services with this creditor/company
Product: Mortgage

In XXXX XXXX my ex husband and I purchased a home. The mortgage was with XXXX XXXX XXXX and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. XX/XX/XXXX we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In XX/XX/XXXX I believe the mortgage was sold to XXXX. We got divorced and the house was to be sold. I listed the house, XXXX was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and XXXX had been reporting it to my credit in error. They removed it from my credit report. XX/XX/XXXX the Mortgage was sold to Seneca Home Mortgage. I work for an attorney and we were helping my ex with the sale of the home. XX/XX/XXXX XXXX started to report the mortgage to my credit claiming that because we did the loan modification in XX/XX/XXXX it added me to the note when infact the modification did not change the terms of the original not and the note that was recorded with XXXX was the same note that they had when the home was first purchased which only had my ex husbands name on it. I have spoken to people at XXXX and XXXX and they have said I am not responsible. I did not sign or fill out the modification paperwork. I have written to Seneca and provided them with all the information I have from XXXX and XXXX and they are refusing to remove this debt from my credit. In the second letter I sent to them the basically responded saying that they will no longer entertain looking into the issue and as far as they are concerned I am responsible. I need help. I know I am not financially responsible for this loan and I want them to remove it from my credit immediately.
Product: Vehicle loan or lease

I contacted the company multiple times. In hope, they will fix the situation for about half a month, They have been giving me the same response that a supervisor will call me in 2-3 days. I have no information and no one has helped me from the company be able to solve this solution.
Product: Checking or savings account

STOP XXXX CONTACTING ME. XXXX XXXX IN DAMAGES FOR THE EMAIL ON XXXX OF XXXX. XXXX, STOP COMMITING FRAUD AND LABELING THESE COMPLAINTS AS DUPLICATES. THEY ARE ABOUT SEPARATE COMMUNICATIONS AND ARE NOT DUPLICATES OF EACH OTHER. THEY RESULT IN SEPARATE AND ADDITIONAL DAMAGES.
Product: Credit card

The company Amex keep denying my application base on false information Im currently on the phone with XXXX previously yet they me with the same decision even that I told me that theyre giving me a denial with false information on there letter.
Product: Debt collection

Company name is world finance the debt still opened is XXXX and on my credit it has another loan that is closed with the same date opened. They used my information in the system to open another loan. I paid XXXX XXXX XXXX and when I called them they refused to give me a paid in full letter. So I contacted both the third party that bought my debt and the original lender.
Product: Credit card

My XXXX Citi card was used on XX/XX/scrub>XXXX  for XXXX fraud charges. 

Citi card and I detected the fraud charges on XX/XX/year> and the Citi credit card was cancelled and replaced. 

On XX/XX/year> I received my monthly Citi credit card statement and 8 of the fraud charges were listed there to be paid. I called Citi multiple times to resolve this issue and was told the fraud charges were still pending. 

Citi is in violation of there own Citi XXXX liability policy and not following the FCBA requirements. These include withholding payment on the disputed amount and related charges during the investigation. 

Thank you