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

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I play XXXX XXXX in a different country for 8 months out of the year and while I was away my account was getting charged by a stock savings app called " XXXX '' and it over drafted my account pretty badly by the time I realized it was to late the bank had closed my account and sent it to collections. Once I came back to the states I handled it and paid the account off immediately. Now US bank has sent my account mishap to XXXX XXXX and they say it is " account abuse '', but this is not the case what so ever if anything it would be an overdraft account that's all plus it is paid off in full. Being in XXXX XXXX is ruining my life now because I am trying to get my business going and I can not because no banks will allow me to open up a bank account with them, once they review XXXX XXXX   and see the account abuse, they send me out of the door. Please help me!
Product: Credit card

I recently made a payment on a Citbank card that was due on XXXX XXXX. The payment was made on the due date, but for some reason was not credited to my account until the XXXX. I was then charged a {$25.00} late fee even though the payment was made on time, and a delay in processsing prevented the payment from being credited until the next day.
Product: Debt collection

I have never done business with this company, and the debt is not mine I'm a XXXX and this does not belong to me.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the notice from above-mentioned office of yours which mentioned the security freeze and submission of identification documents. As I have stated same thing more than a half year, I am under the security freeze due to the incompetency of many agencies which should have the responsibilities of confidentiality of customers ; even though sometimes I wonder whether I asked some of companies to be the agencies after so many troubles with some agencies. Since already I have received many notices from attorneys in several states, I consider myself my identity was proved otherwise I was caught by the authority and forced to return to XXXX which might be happy option. I already asked the person in charge at your headquarters to extend my security freeze permanently, which I am not sure whether it has really happened. To avoid the confusion, I will write other address written in the document sent from your office. XXXX XXXX XXXX XXXX XXXX XXXX The letter was prepared on XX/XX/year>. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXXXXXX # XXXX Account US DEPT OF EDUCATION # XXXX, has violated my rights. 

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

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

My previous complaint XXXX was addressed from my mortgage compnay and it seemed like it was going to be resolved. It has been over 5 months since they responded with a resolution but have yet to meet them. Ive called them numerous times and they still havent returned my call or resolved my issue. 

Please reffer to complain number XXXX as it has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX
Product: Student loan

My student loans were initially under XXXX with the account number XXXX - 1. I have several student loans that date all the way back to XXXX. 
I initially took over {$140000.00} in student loans, between student loans for myself as well as parent plus loans. I have every intention on paying back the amount I took out. When the loans came due, after I graduated in XXXX, I couldn't afford them. I contacted the lender ( XXXX ) that told me I did not qualify for a reduction but I could use forbearance. This happened from XXXX until XXXX when the loans went to zero percent. Interest swelled over {$80000.00} and ultimately I will never be able to get ahead of them. 

First, I had consolidated my loans and it appears the calculation for the weighted percentage was miscalculated ( I have added the details below on the loans ). I was being charged 6.75 %, of course now the interest is zero percent. During the consolidation, they also consolidated my subsidized loans, which didn't help me when I went back to school and my loans were put into deferral between my XXXX  received in XXXX and my XXXX  received in XXXX. 

Student Amount Taken Interest Rate Date Drawn XXXX - XXXX XXXX {$3500.00} 1.76 % XX/XX/XXXX XXXX - XXXX XXXX {$3000.00} 1.76 % XX/XX/XXXX XXXX - XXXX {$9500.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$10000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$7000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$5500.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXXXXXX University {$8500.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$12000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$20000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$10000.00} 5.41 % XX/XX/XXXX XXXX - XXXX {$15000.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3800.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$2400.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3900.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$12000.00} 6.84 % XX/XX/XXXX XXXX - XXXX {$7500.00} 6.31 % XX/XX/XXXX XXXX - XXXX {$12000.00} 7 % XX/XX/XXXX Total Federal Student Loans {$140000.00} Ultimately I am looking to wipe away the student loan interest as a fresh start so that I can start paying off my student loans. The monthly payment, once the loan is back in repayment is unaffordable. NOTE : the loan was recently transferred to Aidvantage
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a queen size XXXX  brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX  support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX  support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.
Product: Credit reporting or other personal consumer reports

I have identified information on my report that is a result of identity theft this account and inquires does not belongs to me (XXXX XXXX XXXX XXXX) inquires---XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a pending 1 month credit bills on citibank. It became double the next month.I understand because I did not pay the previous bills.And they block my salary account which is also in citibank.I cant withdraw any single amount.My question is.Is it proper that citibank block my salary account.And take all my money which is my salary? I 'm a family man I have XXXX kids.Now because of that 1 month my family will starve.Please advice me if I have the right to complain. 

Best Regards
Product: Credit reporting or other personal consumer reports

My rights were violated by XXXX XXXX XXXXnd XXXX, they are reporting incorrect information that has damaged my credit and impacted my XXXX. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.
Product: Mortgage

Original- complaint XXXX Received an email stating this case number was closed due to being resolved. After, I received this email- I finally got an email from Loan Care. In their email dated XXXX XXXX stated they were looking into the Ex-Wife still being on the loan. They requested to have proof of Insurance as well as proof of payment made. 

Your email dated on XXXX XXXX stated the company had resolved the issues. 

I feel this has not been resolved and I'm at more of a loss. 

On XXXX XXXX XXXX I received an email from my attorney 's assistant claiming my case was going to be handled by another attorney and that I was to be in court the following morning. I knew nothing of this date. 
After, several emails my attorney replied that she was able to get a continuance in place which is tomorrow up in XXXX WA- concerning my Bankruptcy that I filed to protect my house in hopes the issues with Loan Care would be resolved. 

At this point- the money that I gave in XXXX of XXXX has not been fully reconciled. The Company had several charges for fees that were duplicated and I feel they used the extra fees that were to be used to pay my payments in advanced in fees that did not belong- just to use up the extra money. Also, there was a payment for XX/XX/XXXX that was never applied to my account- in which the loan care stated I missed the payment. 

Also- in XXXX XXXX I made a payment to the Trustee I would like to have an accounting of that money- the statements do not reflect that they received nor applied to my loan. 

Lastly- I still have not received the pay off amount - so that I could secure financing with another bank if needed. 
I have noticed at some point I was indeed granted a modification of the loan and my interest went down. I however, do not show that I was ever given the confirmation that indeed this was in place. 

I still would like to have my house- I would like to have my ex wife off my house, and have the extra money that I did in fact wired directly in- be accounted for- applied and be able to continue living in my home. I would also like to have the accounting of were the money was applied and to prove they did not use the extra money in fees that were made up. 

I can be reached directly at XXXX XXXX XXXX XXXX. 

I also received a facebook message from my Attorney XXXX XXXX claiming that my friend XXXX XXXX had turned her in for not handling my case properly. My attorney is stating that she is going to withdrawal from my case and not protect my interest. My friend did send XXXX XXXX and email asking her of this claim and to provide documentation and has not heard back. I feel that my attorney is using an excuse- as I have now ask to her to provide the documentation to the courts that I did indeed paid my attorney fees as well. Her receipt that she gave me was a signed business card.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of furnishers of information to consumer reporting agencies. It includes provisions that require furnishers to : Not furnish information they know or consciously avoid knowing is inaccurate. 
Not furnish information if they have been notified by the consumer that specific information is inaccurate, unless they specify an address for such notices. 
Investigate disputes regarding the completeness or accuracy of information within a specified time frame. 
Report the results of investigations to consumer reporting agencies. 
Correct inaccurate information and report those corrections to all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis. 
The section also limits liability for certain failures to comply with its provisions and specifies that enforcement is carried out exclusively by federal agencies and state officials identified in the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN 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 ( MONTHS REPORTING 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 EXPERIAN 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: Checking or savings account

I am writing to formally document my experience and request immediate assistance regarding my account with Citibank. I opened this account on [ date of account opening, if known ] and have recently been unable to access it, despite making multiple attempts to regain entry and contacting customer service over the past number of days. 

During my calls to Citibank customer service, I was informed by a representative that the only way to resolve my account access issue would be to visit a branch in person. Before I could gather further information, the representative ended the call abruptly. This has left me with no clear solution to access my account, despite my willingness to verify my identity and cooperate fully with Citibank 's security protocols. 

The inability to access my funds is causing significant financial and personal stress, as I rely on these funds for essential expenses. I respectfully request any assistance you can provide to expedite the resolution of this issue so I can regain access to my account remotely if possible. 

Thank you for your attention to this matter. I am hopeful for a prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems has placed information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reinserted account formally and ongoing issues related to my identity theft case. Specifically, the XXXX XXXX account ( # XXXX ) was reinserted into my credit report without proper communication, violating the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( b ), which requires furnishers to provide notice of reinsertion. As required under 15 U.S.C. 1681i ( a ) ( 6 ), a consumer reporting agency must notify me when an item is reinserted into my credit report.

Additionally, the following accounts remain unresolved despite my claims of identity theft : XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX. 
These accounts fall under the exclusion section of the FCRA and were reported without my written consent, indicating identity theft. I did not authorize any transactions related to these accounts, violating the permissible purpose section of the FCRA. Furthermore, I believe these actions may violate my rights under 15 U.S.C. 1681b, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

I request the immediate deletion of these items from my consumer reports, as your agency may be liable for damages of at least {$1000.00} for willful non-compliance.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 an 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: Checking or savings account

In XXXX I went to Wells Fargo to open an account. I was asked if I ever had an account there. I didn't, after the fraud with XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. I stopped using banks, my credit have been abused. I went back to Wells Fargo and requested a copy of the account. 
Since the account is in my name, I was given a copy. It have my name as XXXX XXXX XXXX XXXX A EIN number have been created in my name. 

This account shows it was created in XXXX. I filed bankruptcy in XXXX, I was going through the procedure during that time. The account is set up as me being the XXXX of this enitity. 
All of my history was being deleted and myail was being stolen. 

I address you have on file was with XXXX, separate from the United States Postal Service. I submitted a change of address with the United States Postal Service. I was told they couldn't forward Family/Individual from a Business Address. I  never had a business. Due to identify theft /fraud/abuse of my identity. Someone was stealing my mail.