23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used to have a Citibank Sears XXXX ending in XXXX which was lost in XXXX  and police report was filed. I haven't used the card since XXXX  and I don't owe anything to the citibank, still Citibank is harassing me and constantly sending me harassing letters from the collections agency XXXX XXXX XXXX XXXX 

Police report is attached and CFPB can see the police report. 

Recently XXXX XXXX XXXXXXXX XXXX did file a money XXXX  against me in the amount of {$6000.00}, when I didn't use the card then why should I pay for this XXXX. Citibank has ruined my credit and because of the judgment I can not apply for any loans or credit cards. 

Citibank is using unfair and fraud means to collect money from people, I will advice everyone not to use Citibank XXXX and do not do any business with this company. 
This is a total unethical company and shouldn't be doing any kind of business in California or any other state of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Product: Checking or savings account

This morning I received XXXX emails from USAA stating my account access had been limited. When I called in, I was told that I triggered fraud due to transferring funds in high velocity. 

They have a {$5000.00} transfer limit for day and I needed to pay off their home equity loan with another XXXX XXXX by this XXXX. ( I have documentation and all. 

Im ok with limiting access - where this is causing an issue is that they have blocked my elderly parents account and debit cards- they were told it could take 10 days for resolution. My mom is in the emergency room as we speak over the XXXX- they have told us both that there is nothing they can do. Who can survive 10 days when they are already on a fixed income? 

Just feels unlawful. 

Desperate for assistance for them.
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. 

XXXX Bank XXXX XXXX XXXX Apartment XXXX XXXX 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 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 or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quicklyXXXX 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: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

On numerous occasions when transactions were delayed or not delivered to the recipients, I complained to Zelle and not action was taken. Recent XXXX  findings indicates that not only did Zelle not act promptly when complaints were made, they also say lost funds can not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX/XXXX, XXXX
Product: Debt collection

I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate account continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent account impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Vehicle loan or lease

XXXX Surrender once XXXX Leading up to XXXX I requested the voluntary surrender via email as well as contacted the dealership on my mobile app with request. 
After I provided the company with the location to pick up the vehicle, I did not hear back from them regarding my request on status. I have email and messages that XXXX will provide as evidence.
Product: Money transfer, virtual currency, or money service

Almost 5 months ago, I had a {$1000.00} purchase order paid via Square XXXX for my small business. My account was flagged for fraudulent activity, without any explanation for why it was considered fraudulent, and they froze my funds and account. I have called, emailed, tried everything possible to talk with customer service to have my funds unfrozen so I can deposit my funds, to no avail. No one has been the least bit helpful, and for a small business owner to not have to access to funds, it is crippling. I need the {$1000.00} very badly and need these funds to be unfrozen asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with JCMB ( XX/XX/year> ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/year> ), be updated to paid as agreed on time and NOT DELETED
Product: Credit reporting or other personal consumer reports

Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXX XXXX  - XX/XX/2023 and XXXXXXXX XXXX XXXX ( XXXX  ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.
Product: Debt collection

XXXX XXXX {$850.00}, I sent numerous dispute and letters of resolutions that this is not a accurate debt and not mine. They illegal billed my wife insurance and then removed the debt back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my XXXX XXXX. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Product: Checking or savings account

summary : Capital One failed to transfer money within communicated time frame, which adversely impacted my intended real estate transaction. In addition, after Capital One 's failure to transfer, Capital One did not compensate for due earned interests in the savings account. 

XX/XX/XXXX, request to transfer {$80000.00} to an externally linked account initiated on capitalone.com XX/XX/XXXX, auto email confirming transfer, confirmation number XXXX XX/XX/XXXX, XXXX email restricting account and transfer XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to lift the restriction XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, was informed to wait XXXX business days until XX/XX/XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, and filed claim XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, informed that no way to escalate, can only wait for the process to finish and wait for a final decision by XX/XX/XXXX XX/XX/XXXX, claim XXXX was denied in Ref : XXXX citing " The payment was processed according to your payment instructions. ''
Product: Credit reporting or other personal consumer reports

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. ) My Full Legal Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX. ) My Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these inaccuracies and update the address with my above mentioned true accurate undeniably valid current correct address. 

My only phone number is ( XXXX ) XXXX - Delete any and all other phone numbers. 

I demand that my social security number and date of birth be removed from being displayed on my credit file for privacy reasons and data breaches. 
Please remove all alleged employers that are listed on my consumer 's credit report.

Pursuant to the FCRA 15 USC 168 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy and FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy.. Not granting me my rights is a direct VIOLATION of 15 USC 1681 and all its subsections.

I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or possibly lead to fraud if it has not already.

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report.

Attached are my latest two driver 's licenses which proves that I have been living at my current address " XXXX XXXX XXXX, XXXX XXXX, LA XXXX '' for over 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have been using lexington law XXXX XXXX for credit repair fees do too identity theft issues since XX/XX/2016. my credit was repair once brought up to a XXXX and then dropped to a XXXX after paying XXXX for years the dropping to a payment of XXXX. Am still being charged after being short handled and given a low amount of refund and also after changing the account twice.