23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first endeavors 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 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$93.00} XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} {$1700.00} XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance XXXX : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$50.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX Balance Owed : {$1700.00} XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.
Product: Credit card or prepaid card

I received an offer letter stating 0 % APR and {$300.00} cash bonus but never received the bonus nor the interest rate. 
I called Capital one and they told me at the end of the application I was told that I was not approved for the offer and they are going to give me an alternative offer. I has never seen this statement during the application for this credit card. 
I strongly believe this is a case of bait and switch. I have a picture of the letter that was sent to me. Even if I was not approved for the offer they should have informed me via Email or mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] DATENOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, it has come to my attention that you [ Put Creditor Name Here ] furnished alleged transaction on my { Experian, XXXX, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late.15 U.S. CODE 1666B - TIME TO MAKE PAYMENTS A creditor may 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 section 1637 ( b ) of this title is mailed or delivered to the consumer, at a mailing address for the consumer, established and disclosed to the creditor for purposes of receiving the consumers periodic statement, not later than 21 days ( or 14 days in the case of a high-cost, open-end credit plan or a semi-monthly periodic statement account ) before the payment due date described in paragraph ( 2 ) or ( 3 ) of section 1637 ( b ) of this title.The only way for you [ Put Creditor Name Here ] to validate a late payment is to ensure that 15 U.S.C. 1666b is followed.As a consumer, I am demanding verication of the following:1. The procedure that was used to authenticate accuracy.2. What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you [ Put Creditor Name Here ] to validate a late payment is to ensure that 15 U.S.C. 1666b was followed.I, the undersigned, request verication of the above. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX, has not ceased in their action to report factual information on my credit report. 
XXXX Equifax and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX Equifax and XXXX. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX Equifax and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 I provided written notice to Early Warning Services to opt out of any and all authorization. No response was provided. On XXXX XX/XX/2023 at approximately XXXX ; XXXXXXXX XXXX I contacted Early Warning Services to opt-out of their services, which I was informed that it can not be done. I also requested proof of who gave authorization to have my information without my written consent. That couldn't be proved or provided to me as well. My bank terms and conditions states that they do not give information to non-affiliates. I am requesting that XXXX XXXX XXXX comply with XXXX CFR XXXX Form of opt out notice to consumers ; opt out XXXX XXXX XXXX XXXX with respect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : XXXX. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.
Product: Checking or savings account

There were two data breaches which included my name, social security, date of birth and all my details. First one from the US Government OPM and the second from XXXX Credit Bureau. 

In XXXX I changed my last name from XXXX to XXXX. 

In XX/XX/XXXX I tried open a checking account with Capital One 360 and to my surprise someone had opened an account in XX/XX/XXXX with my previous last name XXXX. I checked on my fraud alerts from OPM US Govt. and sure enough someone had fraudulently used my data and opened an account and had also tried to get loans from several banks but fortunately all turned the criminal down because I did not have good credit. Someone had stolen my old identity. 

I immediately contacted Capital One to notify them of a fraudulent account about 4 times and also wrote a letter to them providing them copies of old and new identity and they refused to do anything about it. Their final claim was that they only care about the social security number and not about the last name, therefore whoever opened the account is allowed to stay on ( though they are a fraud and criminal ). 

I am left with no choice but to seek your help and I have also enlisted all the available resources in reporting this scam to avoid further harm to my credit. To date nothing has appeared on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Checking or savings account

I opened a business checking with US Bank back in XXXX because I was offered {$300.00} if I deposited {$5000.00}. This was a promo because I have a business credit card with US Bank as well. I initially deposited {$3000.00} with a credit card and XXXX {$2000.00} more. I have had {$7000.00} in this account for months. I called last month to see what the status of my {$300.00} bonus is and upon research, I was told to give it a few weeks because the data was not transferred over yet. I just called today and the customer service representative said his computers were slow and I was eventually hung up on. I have furfilled all the terms of opening this account and depositing and keep my balance above {$5000.00} to earn the {$300.00} bonus which I have yet to receive.
Product: Debt or credit management

I paid a monthly balance to Experian for a membership fee as well as credit reports sometimes I did not authorize or request the credit reports it would charge me every time I would log back in and update my membership services or when I miss the payment and I had to pay for the membership I will automatically be charged for a credit report I was also being charging additional fee for identity theft and protection which I constantly experience identity theft.. during this time I was using credit repair.com so I monitored all three credit bureaus and I paid monthly to have disputes sent out I paid monthly for memberships and I paid monthly .or additional fees. 
I was misled into believe that if I continue to dispute these items and provide information and follow up with the company as well as the credit bureaus that these items will be removed from my credit report but they never were removed and when they were which was not often I would see them still on the credit bureau as well as credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I open my account since 2009, when still was a Wamu Bank, and I use this account for everything, it is the only account I had till this saturday XXXX, when I had to open another accounts at other bank because friday XXXX I found out that they blocked it, and I when I called saturday they told me that my accounts are been review in process of closing, without any call or message over the phone or anything, I called chase to unlock it but they said that they can not do nothing till the review is done on XX/XX/XXXX, leaving my wife and me without any money and witout all the savings that we have for our daily life and by the way they dont give a exact reason why they are doing this, they says that my account is being review for suspicious activity, and I dont know why is that cause the only source of income that we have with my wife is our jobs, and before I got my account hacked and somebody try to make a huge payment to a website with my checking account but chase sent me a text message asking me if I was the one doing the transaction, luckily I caught it on time and they cancel the transaction, but they didnt lock my account back then, and this experience make me think... If they were suspicious they should have sent me a message again instead of all the problems that they cause us, leaving us inhumane stranded without access to our money for around 3 weeks o more, until today I can not do nothing with my account still locked and I have to ask to somebody to lend me money for pay all the bills that were due and my groceries and all my daily life and survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my Transunion credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " XXXX XXXX  XXXX  '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact Transunion where the inquires are shown. Then was instructed to make these actions in order to solve this issue.
Product: Debt collection

Security Credit Services Company has violated several of my consumer rights by attempting to re-age an alleged that they claim I owe. Security Credit Services also never notified me of my right to dispute the debt or their intent to report the debt to the credit bureaus. When attempting to validate the debt with the company they did not provide sufficient documentation to validate the debt and blatantly ignored my concern about the date reporting that the account opened on my credit report and other inaccurate information reporting on this alleged debt based on documents submitted by them. Security Credit Services is also not registered in the state of Michigan where they are attempting to collect the alleged debt and it is required in Michigan that collection companies be licensed.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state 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 filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

i am complaining about citibank. i have a citi card that i tried to use at XXXX on XX/XX/18 and i had an issue where my card was declined and when i called to confirm the charges they would not clear the card. i told the rep i was standing in line at XXXX and she said she would send me a letter.. very unprofessional. i spoke with XXXX and XXXX at at XXXX XX/XX/18. when i returned home i called again and verified myself with XXXX id # XXXX   at XXXX XX/XX/18. At that point i wanted to close my account and she said she couldn't. They decline my card thinking its fraud and when i verify myself to cancel they said they couldn't. what kind of unprofessional backward practice is this. i was a victim of identity theft and take this very serious. also they have not alerted me once about the suspected fraud or my calling to cancel, not one call, text or email. I think they need to revisit their security policy protocol. I think they outsource their customer service to other countries, i could barely understand the reps. i want these representatives FIRED for their incompetence and unprofessional behavior. i will take legal action if this is not rectified.
Product: Checking or savings account

TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!