23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was approved in XX/XX/XXXX for a interest free loan up to 12 months, but when I received my first statement ( XX/XX/XXXX ) it shows that my balance is the original loan amount PLUS the interest amount, and the monthly payment that is due is equal to the interest amount. The statement does state that if I pay the loan off by XX/XX/XXXX, then I will only owe the original amount without interest but the statement itself clearly shows that my total balance is the original approved loan amount PLUS the interest amount. 

To add to the confusion ... I made a payment which was greater than the interest amount but when I look at my account on line it only reflects a reduction on my account of the interest amount vs. the full amount of what the payment was made for. So the balance on my account is not reflecting the true balance. 

When I spoke with a customer service representative, she stated that everything is noted correctly. 

This company has a very deceiving mindset and they should correct the consumer statements and reporting practices. As this is very confusing to the customer and does not show a true representation of what the customer owes.
Product: Debt collection

LTD Acquisitions LLC is reporting false and inaccurate information on my credit report.

This company is alleging ( by reporting ) that I owe and amount on an account that is still open. Collection agencies are not lawfully allowed to report an account as open, nor are they lawfully able to report a past due balance. 
This alleged debt has also never been validated after them calling me repeatedly ( after being advised to only contact me by mail ).
Product: Credit reporting or other personal consumer reports

In XXXX of 2018, my Citibank credit card stolen and maxed out. I immediately notified Citibank of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for collection in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get Citibank to stop reporting this incorrect information. In the past month, I've sent two separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. Citibank did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of Citibanks failure.
Product: Bank account or service

I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.
Product: Checking or savings account

XX/XX/2023 Dear Sir or Madam : I have two ( 2 ) bank accounts and one ( 1 ) investment account at the company known as Ally Bank, NA and Ally Investments , Inc. located in, among other geographic locations, XXXX, North Carolina. Moments ago, in trying to log into my account at Ally Bank and whose website is https : //www.ally.com, Ally Bank is now preventing me from being able to log into my account to make investments, to view and/or to administer my investments and to view and/or to administer my checking and savings accounts. In sum, the Subject, Ally Bank, is criminally obstructing me from accessing my accounts and my investments at Ally Bank due to Subject Ally Bank and/or Subject Ally Investments , Inc. , placing an intervening web page between me and my account summary page the absence of which would have enabled me to view my account ( s ) online, to administer my accounts online, and/or to make investments, but for the intentional, purposeful, arbitrary, and poorly placed impediment and/or obstruction created by the Subject, Ally Bank, and/or the related Subject , Ally Investments. The disruptive, obstructing, unlawfully intervening and problematic web page introduced by the Subject ( s ) has and is giving me absolutely no lawful option but to force me to comply with Subjects ' forcible demand that I acquiesce to Subject bank 's amended contract terms '' without Subject ( s ) provided any means to delay and/or negotiate their, the Subject ( s ) ', amended terms. As a direct result of the arbitrary, capricious, malevolent, and criminal obstruction of my formerly online access to my bank accounts and my investment accounts by the Subject ( s ), Ally Bank and/or Ally Investments, the Subject ( s ) are intentionally, willfully, maliciously, and malevolently preventing me from both trading using my investment account and administering my savings and checking accounts. As a result, this/these Subject ( s ) are engaging in a pattern and practice of embezzlement. The Subject Ally Bank had been contacted and is refusing to enable me to access any of my three ( 3 ) accounts. Subject Ally Bank is, has, and continues to criminally impede and obstruct my former access to my three ( 3 ) accounts such that I have neither been able to trade nor to administer any of my three accounts since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the XXXX of XXXX i sent letters to all three credit bureaus ( XXXX, experian and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX experian ) that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX Consumer portfolio service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!
Product: Credit reporting or other personal consumer reports

The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXX ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXX .... XXXX ) XXXX- XXXX {$730.00} XX/XX/XXXX .... 7 ) XXXX XXXX XXXX- XXXX {$760.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Debt collection

On my credit report I saw a debt from a bank called XXXX XXXX for {$2700.00} on XX/XX/year>. At no time did I ask for that credit. I don't even have an account with that bank. When I called the bank, I reported identity theft and they sent me a letter saying that they were going to close that account. And in the letter they gave me TransUnion information and TransUnion told me that I have to file an identity theft report with you first.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to Chase, XXXX  & XXXX in XXXX! 

Those problems were reported - again - to Chase, XXXX  & XXXX in XXXX! 

Now - in XXXX XXXX - some of my Visa Signature Benefits r being delayed because of crimes committed by Chase, XXXX & XXXX! 

That is outrageous! 
Visa Signature Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive Chase, XXXX & XXXX have been with those crimes!
Product: Credit card or prepaid card

Chase Credit card had over XXXX XXXX  charges for delivery amounting to over {$9700.00}. I called chase immediately to report and made a police report ( XXXX XXXXPD ) This credit card was stolen. The XXXX  account belongs to XXXX XXXX who fraudulently stole the credit card and along with his mother XXXX XXXX and father XXXX XXXX added my credit card to commit theft and fraud without any permission to their XXXX  account. The time period went on from end of XX/XX/2023 through about XX/XX/2023 when i realized there were a ton of XXXX  charges and the deliveries went to XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX  non profit ) residence XXXX XXXX XXXX XXXX XXXX, CA XXXX. I noticed it while setting up a payment. I knew something was wrong. This isnt his first fraudulent theft stealing. They even stole from other women with money. I can verify XXXX and Chase Credit car verified that the XXXX  account belongs to XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of billing statement, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.
Product: Credit reporting or other personal consumer reports

I want to report identity theft and would like all these items on this theft report to be remove from my credit report. According to FCRA 605B ( 15 U.S.C. 1681 c-2 ) Did not authorize these merchants to pull my credit XXXX  XXXX XXXX on XXXX, XXXXXXXX XXXX  XXXX please remove from Equifax file thank you
Product: Credit reporting 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 any items 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 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 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 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

My Complaint with Transunion about XXXX damaging my credit and Transunion allowing them to continue to damage my credit. I feel that if credit reporting agency Transunion is not reporting the XXXX account correctly. I have numerous disputes to XXXX regarding Navient incorrect reporting of the account. In an earlier dispute Transunion agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forbearance period, but I still made payments. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical.
Product: Credit reporting or other personal consumer reports

I review my credit report and noticed there are fraudulent inquiries, I already send a deletion request to the Equifax with FTC
Product: Debt collection

I obtained a personal loan in XX/XX/XXXX. The original loan amount was suppose to be {$1000.00}. Yet when I went in the lady told me I was approved for {$5000.00} and that she could n't change it to the amount I requested. She used items that I did n't own in order to show lots of collateral. The loan became past due in XX/XX/XXXX. Since then I have received calls from multiple XXXX XXXX locations and representatives. When they began calling I told them that I could n't receive calls during my work hours, M-F XXXX. They consistently called during those hours. Not once mentioning that this was an attempt to collect a debt when I answered. Then they began calling from multiple local numbers all day. I couldnt distinguish their calls from business calls, interrupting my work day and placing me at a huge risk of losing my job. One representative named XXXX called I stated to her I was at work. I had a call coming in from my landlord and I had to go back to work. She stated what you owe them money too. I told her that she had no reason to make assumptions. When I asked for her name she would n't provide it. I had to call all the numbers they called from until I reached one who told me her name. Although the name provided is a nickname. I 've told them multiple times to not call during business hours. Once I threatened to sue they called before XXXX XXXX on occasions which is also illegal. They also called after XXXX, three times in one hour and still continue to do so. They even called my mother whom they were not given permission to call disclosing my personal information and my debt that I owed them. I 've asked repeatedly for them to not call yet they continue. I 've asked for them to identify themselves and they do n't. Then they jump right in to you owe thousands of dollars and to pay it now. I tell them I dont have it they state well we will keep calling for collection efforts. All in the meanwhile never once saying that this a debt collection effort.
Product: Credit reporting or other personal consumer reports

This complaint has been filed to request pursuant to FCRA ( 15 USC 1681c-2 ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit report.
Product: Checking or savings account

I received on XX/XX/year>, an email notifying me of the impending closure of my account ending in XXXX, effective XX/XX/year>. The email stated that the closure was due to adverse past or present legal action involving an individual or entity associated with the account. 

Upon receiving this notice, I called customer service., I was informed that my account will indeed be closed. Despite speaking with multiple representatives, including a supervisor, I have not been provided with the source of the information that led to this decision. 

In order to address this issue, I kindly request that Capital One disclose the following : The source of the information that resulted in the decision to close my account. 
Any report or documentation related to this information. 

Please, understand the source of this information is crucial for me to rectify any inaccuracies and resolve this situation. I would appreciate your prompt attention to this matter and look forward to receiving the requested information that resulted in the adverse action of closing my account.
Product: Debt collection

I received a debt collection notice from Diaz and Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX regarding a loan balance of {$1000.00} from XXXX ( acct # XXXX ) that is not mine. XXXX, the debt collection agency, sent me a letter stating that if I pay {$350.00} to them, the debt will be resolved. I called Diaz & Assoc and they said that it is a loan from 2011, they had my name and last four digits of my social security number. I told the representative that this is not my debt, that I have never done business with XXXX, nor taken a loan out with that company. The representative, XXXX, said that the loan would be closed but I want to make sure that this is not fraud, and that the case has actually been closed and will not affect my credit rating.
Product: Credit card or prepaid card

On the XX/XX/2018, Someone used my card information and make a fake credit card. I recevied a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX  still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money.

XXXX XXXX XXXX   Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
Product: Debt collection

Midland Credit or MCM has contacted my elderly mother. When she called back to check who they were they did not identify themselves. Was rude and told her who they were. They've not sent me any notifications and I've been paying this debt for almost 8 years.
Product: Checking or savings account

I opened a Chime account and had been banking with the bank with no issues. I had a deposit come into the bank around XX/XX/2021, that belonged to me, had my name and they closed my account without issuing my funds. I contacted the sender of the deposit and they informed me they had not received any money returned from Chime. I need help with getting my remaining balance sent to me by a check. Chime can not withhold confiscate anyone money that does not belong to them. Please assist me or direct me in anyway I can get my money back from the bank.