23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a call from a scammer, saying there was someone trying to remove money from my account, I dont know why I believed them. Mainly because the number they called me with was an actual bank number, so I didnt think anything of it. I gave out personal info to said scammer. Right after the call, I called the bank, an asked if there was any signs of fraud in my account a the banker said no. So obviously that means a scammer called me to get a hold of my account, Thankfully they didnt get a XXXX from my bank account, because I had the banker close my account an make a completely new one. New routing an accounting etc. Im mainly worried if they are trying to use my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute those fraudulent accounts, i didn't initiate, I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

COLLECTIONS XXXX  Opened XX/XX/XXXX + {$240.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX + {$1900.00} Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$330.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$4100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$210.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$290.00} Original creditor : XXXX XXXX
Product: Credit card or prepaid card

I have one SYNCB Card but every time I try to apply for another Credit Card I am declined due to previous account experience. I have never been late and I want to be removed from the black list that SYNCB has placed me on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard credit inquiries on my recently observed Experian credit report that were fraudulent. I have repeatedly written to Experian & XXXX asking to remove these from my credit report. Neither have been helpful and neither have contacted me nor removed the fraudulent inquiries. You see, I'am a victim of Identity theft and have an ongoing investigation with the FTC. The inquiries I want OFF my credit reports are from XXXX dated - XX/XX/XXXX & XX/XX/XXXX XXXX dated- XX/XX/XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX dated XXXX XX/XX/XXXX XXXX  dated - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer may furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who

m the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the
investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my account information. 
XXXX XXXX XXXX-paid in full -XXXX XXXX Account XXXX  paid in XXXX accounts -XXXX  paid in full XXXX XXXX XXXX XXXX paid on Time This company has penalized me by keeping my accounts updated and paying them on time.

My credit score dropped when I
paid off several of my credit cards 2 months ago. But I notice my husband score when up> This company has many breaches regarding my credit report and fail to stop giving out information to companies that I have not done business with after I filed identity theft reports. They have let other people use my information to get credit ( apartment ). 
I do believe this company 's inaccurate or incomplete has hurt my changes on getting a job. This company has been reporting derogatory and inaccurate statements and information about my credit but refuses to update my information as well. 
Despite my efforts of sending letters to this company they refuse to up date my credit information and keep providing me with a lower credit score-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously requested to update my credit report with this company and this company will not remove this re-aged collection account that I do not owe. The alleged debt is also time barred in the state of Texas and past the statute of limitations. I have never dealt with this company, bought or paid for services with this company, and they need to cease and desist. The original alleged debt was apparently charged off on XX/XX/XXXX. This junk debt buyer is reporting this alleged debt as an " open account '' and new with them effective XX/XX/XXXX ( 1 yr, 1m ). I have repeatedly requested this to be corrected and this company ignores me. I have disputed this company, asked for verification of the debt, and they ignore me. I need this alleged time barred debt corrected and removed from my credit reports, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n 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 or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Product: Bank account or service

Citibank has checking accounts that demand a $ XXXX monthly service charge unless you have a monthly bill pay. I set up a bill pay for {$15.00} a month on the XXXX of the month to land before the end of the billing cycle. This was set up years ago and was within plenty of time of the bill cycle ending. Over time the billing cycle end day crept closer to and closer to my bill pay date and eventually I started accruing service fees when the billing cycle ended before the XXXX of the month. I set up my bill pay in good faith with more than enough time before the cycle end date. It is not my fault that the billing cycle is before the XXXX now, years later. I believe this is an unfair and deceptive practice and I am willing to bet there are many customers who are paying money for this UDDAP violation. 
Citibank did not go to any length to assist me or warn me of this. When I called, I advised Citibank should change their billing cycle date and I should not have to make changes from their erroneous business practice. They did not take my complaint seriously. Any date that has a monthly service refund fee will be the dates I logged this complaint. I begged the customer service to log my complaint but they refused along with refusing to change my billing cycle.
Product: Checking or savings account

I opened a SunTrust checking account in XX/XX/2019. I had my XXXX benefits deposited direct deposit into the checking account. The first deposit was made XX/XX/2019. On XX/XX/XXXX I had a company call me regarding a loan that I had applied for online supposedly. They said their name was light stream loans which are affiliated with SunTrust Bank. They asked me for my login information in order to deposit the loan to my account. I tried to check my account the next morning and was that unable to. I could not log into by phone or through mobile banking. I called and talked to a representative who informed me my account was confidential and could not be accessed by anyone. They told me that I had to have done this. I asked them if I could use my ATM card to withdraw my money they said no. I have no access to the account or my money. They can't tell me anything and will not help me. There is no branch in my state. Which is Texas. I get XXXX due to a XXXX XXXX. The money is not enough to make a living each month. Although I do desperately depend on the little money I get. I have no way to access my funds. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX CHILD SUPPORT ENF AGXXXX XXXX CHILD SUPPORT ENF AGXXXX XXXX XXXX CHILD SUPPORT ENFRCMT XXXX DEPT OF DEFENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

Being the day XX/XX/27 I decide to add my husband to my checking account in Chase, everything in the process of adding it was fine at no time they told us that with the documents that my husband had the process could not be carried out ; Two days after the process was completed, we realized that my account is blocked and I can not carry out any transaction. We call the branch and they tell us that they had missed one because they uploaded a document from my husband to the system, when we are sure that they had scanned all the documents, they asked us to go to the branch to be able to take a copy of my husband 's document and that in 2 business days access to my funds would be restored ; days passed and nothing solved the problem, Seeing that time continued to pass, we went to the branch again and at that moment you told us that my husband 's proof of identification could not be accepted and that was why they kept my account restricted if we did not have any other type of documentation to present and we answered that we had already given him everything we had, we asked if we could withdraw it from my account and they told us no because the account was already restricted ; I told them to please close the account and send me my funds, which did not happen. I have been in this process for a month and 4 days and they have not solved my problem despite having spoken with several Chase representatives on the phone and asking them to close the account. account, they have told me twice that if I should wait 10 business days, which is how long it takes for them to process the check with my funds and send it to me and nothing continues without taking action, I already feel that it is disrespectful so much delay to return a money that belongs to us and that with so much work we have saved.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from this company advising they were attempting to collect a debt. In order to proceed with the call, they asked me to verify my name and the last four digits of my SSN. I told them that I did not feel comfortable sharing such sensitive information unless they told me what debt they were calling about. At that time, the representative advised that she would have to terminate the call unless I verified my information. The call was eventually ended because their office refused to provide the requested information. After the initial call, I placed several calls to their office but no one would tell me what debt they were attempting to collect. In the middle of XXXX, I received a credit alert advising that a collections account had been added to my credit reports. 

In this instance, this company violated my FDCPA rights by failing to provide a validation notice within 5 days of our initial contact, and refusing to provide any information about the debt during initial communication. Therefore, I was not afforded an opportunity to properly verify, dispute or resolve the debt before it was added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect and fraudulent information reporting on my credit report
Product: Mortgage

we already have a loan that is currant and want to reduce the % rate as advertised by the company we have our loan with and they are denning us.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX Code XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.
Product: Credit card

The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.
Product: Debt collection

My name is XXXX XXXX I purchased a vehicle at XXXX XXXX in XXXX TX. 
The vehicle was purchased using Motor vehicle retail installment sales contract with arbitration Provision. The buyer listed in the contract is XXXX XXXX and seller/ creditor listed as XXXX XXXX XXXX XXXX. The arbitration was settled by transfer of title which is proven by odometer statement and vehicle was sold as is as proven by the buyer guide. The title was transferred by state of Texas and has me listed as owner with previous owner being XXXX XXXX of XXXX tx. This is proven by the registration papers for Texas department of motor vehicles. 

Once I received the registration for the vehicle it has had a lien placed against it from Santander consumer XXXX XXXX and since that time they are sending threatening letters and stating that they are going to repossess the vehicle. I have contacted Santander and requested a release of lien but they have not or are not willing to do so. I am filing this complaint because it is my opinion as a third party to the sale it should have been illegal for Santander consumer to put a lien on vehicle in first place and in the state of Texas a lien does not give a company the right to repossess a vehicle it seems to be harrasing and threatening treatment and an attempt to cohere individuals into accepting acceptance. 
My vehicle has been impounded as a result of this I can not get vehicle out of impound Santander consumer has attempted to call impound to retrieve vehicle which they do not have a right to do which they were told no The documents attached will prove the contract title transfer as is purchase ownership and lien that was placed on vehicle as well as threatening and harrasing attempts by antander consumer USA to collect a dept that is not owed
Product: Checking or savings account

Because after I previously complained to the CFPB platform about axos Bank collecting customer information at will and not opening an account, now axos Bank is retaliating in bad faith by simply not opening my account, even though I provided all the necessary documents to open a checking account. This malicious retaliation is a serious violation of the Consumer Fairness Act. I am determined to file a complaint for this reason and hope that justice will be done!