23daVinci/CFPB_Complaints huggingface dataset:
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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX.
Product: Mortgage

If i could give zero stars i would. From day one this pathetic excuse for a company overpromised, lied, misled me for weeks. Up until the day i was supposed to close. They dropped the ball multiple times. I have never experienced someone so incompetent. I lost my home because XXXX, XXXX and the rest of the clowns have zero idea how to do their job. If you wa n't to actually close on your home, DO NOT WORK WITH THESE PEOPLE. DO NOT FALL FOR THEIR TEASER RATES THEY PROMISE. The second the paperwork was signed, they completely turned the tables. I hope this company goes out of business before they have a chance to completely XXXX someone else 's life. Now i am living in my car after driving across the country to close. Disgusting practices by this piece of XXXX  company.
Product: Checking or savings account

I filed a complaint in XXXX of this year, I was told I would receive the bonus check that Citi bank owed me. 
Until today I received Nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was able to access my Experian credit report online, however the website would not allow me to print my report in a printer friendly format without first signing up for for a 30-day trial ( free for the first month but costs XXXX thereafter ). I believe that Experian should be able to provide a printer friendly version of the report with out having to sign up for additional services. I have been able to generate printer friendly PDF report from both XXXX  and XXXX. With Experian I was forced to print the webpage directly. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

I called the company at ( XXXX ) XXXX to ask why my account was closed. They claimed I closed the account upon finishing payment in 2017. Although I did finish payment, I did not request the account to be closed. 

This error is causing problems on my credit report, as this was my account with the longest credit history. This error has resulted in higher interest loans for me and affecting my quality of life. I want this company to be investigated and my account to be re opened. I did not close it or request it to be closed. This is a violation of my rights.
Product: Credit card

For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}. 

I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX. 

After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.
Product: Bank account or service

On or above XXXX XXXX, 2016 I closed a saving account with Citi Bank located at XXXX XXXX XXXX XXXX NY XXXX. On XXXX XXXX, 2016 I received a promotion offer # XXXX to open a citi gold account and earn XXXX thank you point equal with {$500.00} gift card. On same day I went to citi bank branch address above but associate costumer service unknown name refused to open account who later called his branch manager XXXX XXXX XXXX who disrespectfully and arrogantly stated " I do n't allowed my employee to open account for you because you just closed one last month. I said that saving account has nothing to do with this promotion. he disrespectfully said : I 'm the boss and I 'm not allowed him to open an account for you just because you closed an account with us last month. I stated that I will file a complain against you and legal action. he aid " Go ahead and do it '' On same day I called citi bank and filed a complaint with XXXX XXXX ID # XXXX I asked for reference number she said that the system do not generate a complain reference number. On XXXX XXXX 2016 I called to find out the status of my complaint but my complain no where to be found. The costumer service filed another complain with reference # XXXX On XXXX XXXX 2016 I called back to find out the status of my complain which seem to be a dummy reference number. I filed another complain with XXXX XXXX reference # XXXX stated " do not think that they will fire branch manager just for that. On XXXX XXXX 2016 I called citi bank to find out about my complain. they said do not call any more citi bank executive manager will follow this matter. I said do I expect to receive any formal respond they said no.
Product: Debt collection

Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.
Product: Debt collection

Hard inquiry was shown on my credit report which I do not owe. I never opened an account with XXXX department store. I am reporting this debt as an identity theft complaint. I have never been contacted by this company and only found out about this until it showed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Checking or savings account

I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XXXX XX/XX/XXXX {$0.00} NO ACCOUNT NAME XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to the credit bureau 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX XXXX : {$83.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Product: Vehicle loan or lease

Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. Account name : COLLECTION Account number : XXXX Account name : COLLECTION Account number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate and wrongful reporting of the repossession of a XXXX XXXXXXXX XXXX ( XXXX : XXXX ) under my credit report XXXX XXXXXXXX. This vehicle was awarded to my ex-spouse pursuant to a legal and binding XXXX XXXX, and he accepted full responsibility for all associated financial obligations, including this repossession. 
The company responsible for reporting this inaccurate information is XXXX XXXX XXXX, associated with account XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I demand the immediate removal of this erroneous entry from my credit file. The continued reporting of this repossession under my name constitutes inaccurate and defamatory information, causing undue harm to my creditworthiness. 
XXXX Grounds for Dispute : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers of credit information are required to conduct a thorough investigation when a dispute is submitted. The account in question does not belong to me post-XXXX  and must be removed. 
XXXX. Breach of Contract ( State-Specific Family Code ) The XXXX XXXX is a legally binding court order, and the responsibility for this account was transferred to my ex-spouse. Holding me accountable for this debt is in direct violation of this court order. 
XXXX. Unfair Reporting Practices ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to maintain accurate information. Reporting a repossession that legally belongs to another individual violates this provision. 
XXXX. Potential Defamation and Financial Injury The continued presence of this derogatory item on my credit report is causing tangible financial harm. If this matter is not resolved immediately, I will explore all available legal remedies. 
Resolution Demanded : Immediate deletion of this repossession entry from my credit report. 
Written confirmation that this item has been removed. 
Cease all further reporting of this item under my name. 
Failure to comply within 30 days of receipt of this dispute will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal claims for damages. 
Enclosed are copies of my XXXX XXXX and any supporting documentation to substantiate my claim. I expect immediate rectification and will not hesitate to escalate this matter if my rights under federal and state law continue to be violated. 
I anticipate your prompt response and resolution of this matter. Please provide written confirmation of the deletion of this account from my credit report no later than [ XXXX days from receipt of this letter ]. 
Sincerely, XXXX XXXX Enclosures : Copy of XXXX XXXX Supporting Documentation Drivers License, Social Security XXXX.
Product: Money transfer, virtual currency, or money service

I received a email from majority XXXX  on XX/XX/2023 that the XXXX XXXX in my majority account was transferred to the bank account I listed on the transfer form. It is now XX/XX/2023 and have not received the XXXXXXXX XXXX and can't get a reply from majority email support or majority phone support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CXXXX 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 # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I have never had a contract with said company.