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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$8200.00}. 
XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is in regards to my account under " XXXX '' on XXXX. In early XX/XX/2018, Paypal placed a limitation on my account and asked for a proof of identity in order to resolve the limitation. I submitted a copy of my Driver 's License which was an approved form of proof of identity soon thereafter. The status of the issue was " Submitted for Review. '' I called Paypal and waited 20 minutes to speak with a representative who assured me the case will be reviewed within " 48 hours '' of our conversation. That was near XX/XX/XXXX. There was no progress on this issue on Paypal 's behalf. Immediately after XX/XX/XXXX, another notification, an exact copy of the original notification, shows the status as " Submitted for Review ''. This issue has prevented me from withdrawing my funds in the amount of " {$1200.00} USD. '' Paypal has not reviewed my submitted documents for over a month, and there is no end in sight as I was directly lied to by the associate over the phone meaning nothing Paypal tells me is reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported 90 days late with Nissan Acceptance Co starting XX/XX/2018. I knew my account was coming up to be paid off so when the payments stopped being automatically deducted from my account I thought nothing of it since I was set up with the creditor for automatic draft. I received a notice in the mail about 2 months later that the account was delinquent. I immediately called and paid the remaining balance and asked how that was possible. They said apparently my payment didn't amortize over the life of the loan. I've never heard of that happening. During the financing it doesn't make sense why they wouldn't have covered the whole loan. I told the representative that I did not feel that this should be held against me and I was told it would not be reflected. I had my credit checked not long after the incident and sure enough there it was. I filed a dispute and was told it was resolved yet it is still on there. I have worked in the mortgage business for over 20 years and know how important credit is and how embarrassing it is let alone the affects it can have obtaining good rates. This has had a negative effect and would like it rectified.
Product: Credit card or prepaid card

I got a credit card offer in my mail from Capital One last year XX/XX/XXXX in the month of XX/XX/XXXX. It was interesting to me because one-time bonus miles of XX/XX/XXXX, when I applied to the card, I got a statement online saying you are not qualifying for this offer, even though I received the offer in the mail. They pulled my credit report, my report went down because of that and I never received that offer.Now, XX/XX/XXXX, I received another mail from Capital one with some offer details and a letter with my name - personalized to me - and even stating - This offer expires XX/XX/XXXX, so apply now!. I reapplied thinking that they may have now more information about me, then I got the same message after applying stating, we can't approve your card. Why capital one deceive me by sending this type of marketing to my house, to my name, my address, if I am not qualified!. They again have taken points from my credit score because I applied, and now my credit score went down because of them and a non card approved - neither a offer promised - they said that I qualified in the letter!. They are hurting my credit score once again. Capital one is not a serious financial institution by doing this stuff, they need to be scrutinized by the CFPB in all their ads and marketing that deceive people like me and hurt credit scores of good American citizens!. The marketing add is XX/XX/XXXX - in which part of the letter that I received states that I may or may not be qualified - the offer is personalized to me!!! it is totally deceived!!!
Product: Payday loan, title loan, personal loan, or advance loan

I don't know if it illegal. Due is {$200.00} a month. If I pay {$300.00} they just put the extra down on the next payment so {$100.00}. There is no option to tell them where you want it. 
Personaly I stoped after paying extra after I asked the question below. My concern is if I make a bigger payment will they just continue to reduce my monthly payments for the next month never allowing the principal to reduce more than the amount that is applied each from month minimums. If I put half the loan down will they just say don't pay for a year to keep the internet profits up? I can't get a straight answer. 

Text line ; Can I make a payment to the principal? 
This was ignored and was told you can't on the phone later. 

Text line ; why does it say my next payment due {$50.00}? 
" it looks like you are paying more than the minimum amount due every month, that is the total amount left to pay towards your next statement. '' " However, you can continue to make the larger payments as well. '' I stoped giveing extra bc I dont know what would have happened after 2 months just keep reducing due amount for the next month never paying the principal down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Citi bank, the place a hold on my account stating XXXX   has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to EXPERIAN and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from EXPERIAN concerning this matter, they state that they need authorization to proceed with the complaint. In my opening statement of the complaint, I state my name and state that I'm submitting this complaint myself and that there's no third party involved, and if they need my authorization to proceed with the complaint, then they have my authorization to proceed with the complaint, yet they continue to ignore my complaint as a stall tactic. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, XXXX and this time through certified mail # : XXXX XXXX  XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EXPERIAN 's blatant disregard for federal law. It is my belief that EXPERIAN feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. EXPERIAN has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. It was well over 15 days and they hadn't replied to the complaint. They later responded that they will send it in the mail. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be.
Product: Checking or savings account

Reoccurring charge for {$15.00} to audible I did not authorize on XXXX and XXXX. PayPal is NOT available via phone at all. I reached out via chat and the only solution offered was to cancel my card. I am currently homeless so receiving mail is almost impossible if not difficult. What I wanted them to do was investigate the charges and validate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent information includes a personal loan account opened with Regional Finance on XX/XX/XXXX ; a personal loan account opened with XXXX XXXX XXXX  on XX/XX/XXXX ; a utility account opened with XXXX XXXX XXXX on XX/XX/XXXX ; and multiple unauthorized hard inquiries, including XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX (  XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have attached a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize the aforementioned accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.
Product: Credit card or prepaid card

At XXXX XXXX on XX/XX/2020 two fraudulent transactions originating from a XXXX Bank of America ATM were processed and given approval. One transaction for {$0.00} and another for {$920.00}, that night I realized when checking my balance and made a claim the following day. I then received a letter stating my claim has been closed and I will not be getting money back at all. Bank of America is supposed to have fraud protection and are denying me funds and allowed my account to be drained by a fraudster. I am now reopening a second claim and filing a police report being told by the Bank of America that I need evidence to support an obvious case of fraud and need help resolving this matter promptly as this is my rent money.
Product: Credit reporting or other personal consumer reports

SS # : XXXX XX/XX/2024 Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXXUnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXXUnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXXUnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXXUnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXXUnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX
Product: Credit card

To whom it may concern, I am a consumer who opened this account to extend my credit with FORTIVA in good faith. I had this account placed on auto pay from the time it was opened up until FORTIVA deceptively charged me a late fee and refused to provide any help or remedy besides taking the payment and applying it to the balance on the account. FORTIVA has since then been continuing to violate my consumer rights and has harassed me calling me all times of the day with over 20 phone calls in the month of XX/XX/XXXX alone causing me severe emotional distress. I just received a call from a FORTIVA representative at XXXX on XX/XX/XXXX and when I asked if they would not call me so late, he rudely stated is it not XXXX for you? Regardless of what time their company hours are, I explained to him that was severely inconvenient as I was putting both my toddler and infant to bed and have to wake up extremely early to get them ready. The very next day on XX/XX/XXXX I received another call from FORTIVA at XXXX which blatantly shows the lack of respect for consumer rights. Pursuant to the Fair Debt Collection Practices debt collectors are prohibited from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. Debt collectors are also prohibited from calling more than 7 times in a seven day time period. FORTIVA called a total of 8 times in a 7 day period from XX/XX/XXXX, XXXX XX/XX/XXXX including calling multiple times in one day less than an hour apart and I have a record of each time FORTIVA has called and a record of the XXXX second call that lasted on XX/XX/XXXX and the call I received the very next day at an even later time. I offered to pay the bill with the removed late fee when FORTIVA called me initially before the payments began to add up and FORTIVA refused that payment and only wanted the full payment with the incorrect late fee charge. FORTIVA has since suspended my credit card and has violated my right to privacy by reporting negatively on my consumer report resulting in defamation of character and tarnishing my credit reputation.
Product: Debt collection

JCPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection US DEPT ED XXXX Balance {$570.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5100.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$9500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5300.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX Late Close : XXXX-Balance $ XXXX Opened : XX/XX/XXXX AXXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX  XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month
Product: Debt collection

This account was closed in XXXX, not XXXX. This is too old to be on my credit report and needs to be removed. I have disputed this multiple times and they're reporting the incorrect dates, and incorrect amounts on my credit report, for over 8 years.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX XXXX 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5100.00} ; XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.