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

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX CARDS/CITIBANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX XXXX is still listed as a judgment on my report. this was paid and removed from XXXX after a dispute and sent receipts and the dispute results to TransUnion only to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted evidence to Transunion 30 days ago showing that my report has erroneous payment history for XXXX XXXX. I only had 2 months of 30 day late payments in 2018. The rest of the months should be reported as paid on time.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. Upon reviewing mycredit report I noticed some accounts I am not familiar with and I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information that I'm not familiar with. Please find attached acopy of my ID, FTC complaint, a copy of the NPD report showing my information being exposedin a national database.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Sent identity theft letter to all XXXX credit bureaus, XXXX, XXXX and XXXX. I also reported to creditor and did not received results. I sent letters to credit bureaus on XXXX XXXX
Product: Checking or savings account

Citibank : 1. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : I attempted to send available money ( same amount money/same person ) via XXXX to a prior email address utilized, to no avail. 

2. I spent hours with the # XXXX number to Citibank representatives, asking for Supervisors or escalation. 

3. XX/XX/XXXX, via the web, I found " XXXX '' and emailed for assistance. 

4. XX/XX/XXXX, I attempted to send via XXXX ( same amount money/same person ) available money to a prior email address and received via email by Citibank " We've blocked your Citi Online User ID for your security. '' 5.XX/XX/XXXX, I sent to " Citi Executive Response Unit '' a request to Escalate to Citibank Corporate Office , please. 

6. XX/XX/XXXX, I called the " Citi Executive Response Unit '' # XXXX to be told I have to wait 15 days for a response or call the XXXX # for assistance. 

7. XX/XX/XXXX, I sent via email to the " Citi Executive Response Unit '' for a " Response request. '' 8. XX/XX/XXXX, " Citi Executive Response Unit '' representative ( assume ) " XXXX '' at # XXXX called my cell, and asked me " identifying questions '' on my account. I did not have my account # or debit card in front of me. I retrieved it, and gave her my account number and debit card number. After " identifying questions '' quickly she said, I can not identify you and must disconnect. I asked for more " identifying questions '' - " XXXX '' said no. I asked how am I to get access to my blocked account? " XXXX '' said call the XXXX #. " XXXX said she would email : a response to me, not specifying to my email or via bank messages.
Product: Checking or savings account

Filed a fraud claim with Truist for a charge of XXXX from XXXX ( XX/XX/year> ) Called and spoke to XXXX and was told that this charge indeed was not from me & they could also see another attempt for XXXX after the card was either shut off or declined due to insufficient funds. 
I spoke to Truist 2 times & was denied both times saying because Ive used this company and also used this debit card on the same day as the fraud charge it was denied. 
Also when I spoke to a Truist representative she did also tell me that she could see my debit card was hit for other charges not by me after the card was shut off. 
Ive been doing business with this bank for 15 plus years and have not ever filed a fraud complaint. 
Where do I go from here?
Product: Checking or savings account

I contacted my bank this past Thursday to file a claim for XXXX due to unauthorized transactions through XXXX the smaller charges were credited back to my accountthe next day however the largest of the charges the on XXXX I was told would be XXXX account the next day. When the next day came and passed I was told it would take XXXX he's that time passed I called for 2 days and was to some one from investigation would return my call after that didn't happen I became overdrawn by XXXX I told them prior to this that I don't like to over draft I keep getting the run around it feels like.
Product: Payday loan, title loan, or personal loan

I just got a notice by email of a settlement with another company due to high interest and it came into my mind a loan that I got with Loanme Annual percentage 139.12 % finance charge {$11000.00} amount finance {$2500.00} total of payments {$14000.00}. 

One payment of $ {$260.00} on XX/XX/2019 and 47 payments of XXXX beginning on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 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

There is accounts on my report that have been deleted but reappeared, when call the bureau to tell the there are unauthorized, unverified inquires on my report in I want them deleted as soon as possible. There stating it's nothing they can do about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/
Product: Credit card

I used a city furniture/ synchrony card for a purchase a year ago ; when signing up for the card, they did not disclose that the amount financed had to be fully paid in 12 months. As per Synchrony Bank, that was a promotion period of 12 months. I have been paying more than the minimum payments for the card since last year. I financed {$4600.00}, paid for 12 months bringing it down to {$3200.00}, now effective XXXX XX/XX/year>, synchrony bank without giving me any notice added {$1500.00} to my balance of {$3200.00}, bringing the total back to {$4600.00}, so technically I have not only paid {$1400.00} but now with the new balance of {$4600.00}, I have to pay {$4600.00} on top of {$1400.00} that's being already paid. That is extremely unfair, and Synchrony Bank is thugs cheating law-abiding citizens of the US and this treatment of them is racially motivated against me. Please help me.
Product: Checking or savings account

I had fraud on my checking account where someone spent {$360.00} over multiple transactions. I submitted a fraud claim with Wells Fargo on XX/XX/XXXX and today XX/XX/XXXX I received a notification that they denied my fraud claim. I called and tried to appeal, but they said there was nothing they could do. The transactions were international from XXXX when I had just spent money in Arizona less than 2 hours before the fraud.
Product: Credit reporting or other personal consumer reports

Equifax Is putting information on my Consumer profile that I didn't Authorize and that is illegal As I stated in the paperwork that I have submitted previously I have asked for a proper Investigation of where the information came from and they have yet to provide that or anything to me and I have proof the the courts says they did not share any information like that to any credit Reporting agency so where's this illegal information coming from
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, Advance America located at XXXX XXXX XXXX XXXX XXXX, TX XXXX called my job and left a message with one of my co-workers asking for my call to be returned for a personal business matter. It was very unprofessional and not a good look for me to receive a personal call.
Product: Debt collection

I had a missed call. I googled the number and it came up as a debt collection agency. I called them so they could remove my number as I do not owe any debts. I refused to give them my name and they refused to remove my number.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXXXXXX. - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XXXX of XXXX for an account that has been paid and closed since XXXX of XXXXIt was a manufactured home that i paid off and sold in XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.
Product: Mortgage

XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Chase multiple times to request that they remove a hard inquiry from my XXXX  credit report, and have even received a written response from them saying they would remove it. I have disputed it with the credit agency multiple times, but they say they can not remove it until Chase contacts them. Chase has claimed they would do so within 30 days, but that way over 120 days ago.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX  card ( through Comenity Bank ) at the store when I bought jewelry in or around XXXX. I consistently made payments on the balance. When the pandemic hit, I experienced financial difficulties, so my social worker helped me negotiate a payment plan with Comenity Bank. I began making payments pursuant to the plan. 

In XX/XX/XXXX, I received a billing statement, indicating a total balance of {$1200.00} with a payment due date of XX/XX/XXXX. I was able to pay off the entire balance at that time so I called Comenity Bank. The Comenity representative on the phone confirmed that I could pay off the balance and owe nothing further to Comenity. I immediately went to Kay Jewelers to do so ( XX/XX/XXXX ). 

Despite paying off my entire balance by the due date in XXXX, I am still being charged interest and late fees on my account. I disputed this with Comenity, but they claim that this is valid because I was not eligible for a grace period. I was paying pursuant to a covid hardship payment plan and dont understand why they are doing this. 

I am an unemployed XXXX senior trying to survive on social security alone. This has been particular stressful for my health. My local Legal Aid office assisted me with completing this complaint. You can contact attorney XXXX XXXX for any questions at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

this account was open without my knowledge or consent. this is a result of id theft. please remove from all XXXX credit agencies as soon as possible
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Account Numbers : XXXX XXXX ( Experian, XXXX ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX 
Account Number : XXXX ( XXXX, Experian, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX  Account Numbers : XXXX XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX Account Number : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX  Account Number XXXX XXXX XXXX XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX XXXXXX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX CO Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX