23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice on my credit report that i kept getting denied for store credit with my favorite shopping store and i checked my credit profile and seen unauthorized Hard inquiries on my credit prolife that is a violation of my consumer rights and i filed my Ftc report so it can be blocked and removed from my credit report these Hard inquiries is not related to me i never gave Equifax permission to furnisher anything on my report they don't have no hard copies on file stating that i gave them consent
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( XXXX  ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts : XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX FB & XXXX Closed on XX/XX/XXXX XXXX CARD Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within XXXX  days as required by the FCRA.
Product: Payday loan, title loan, or personal loan

I had never heard of Moneylion before they started charging my checking account twice weekly. I looked them up online and contacted them by phone on XX/XX/XXXX. This was the first day that I had noticed the charges which started XX/XX/XXXX. 

I advised them that I had not agreed to any loan or other financial service from them. They were unable to find an account with my name or information, nor which account had linked my checking account to it. They agreed it was likely fraudulent and submitted it to their fraud department and assured me the card would be blocked from future transactions. 

I have since contacted them 7 additional times with no movement on the case. They however continue to charge my account twice weekly despite assuring me that it would be blocked. In addition, on XX/XX/XXXX, they issued a loan using my financial information which was also never authorized. 

They have should a general incompetence in resolving the matter and a willful disregard in actually verifying information presented to them to deter fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my report I do not Recognize
Product: Credit reporting

A debt shows on my report as a recent debt of mine and it is not. XXXX XXXX, XXXX is the collection agency for XXXX XXXX XXXX, KS in the amount of {$6500.00}. 
I have never lived in an apartment in the state of Kansas or ever applied to XXXX either. My previous addresses are all houses, XXXX XXXX XXXX, XXXX, KS ; XXXX XXXX XXXX, XXXX, KS : and currently at XXXX XXXX XXXX, XXXX, KS. Neither have I co-signed for an apartment for any XXXX at any time. 
Please remove this entry from my report as it is not mine. 
I have a son whose name is XXXX XXXX XXXX who has lived in the XXXX area at XXXX time. Many institutions have confused us even though my first name is not XXXX it is simply XXXX.
Product: Credit reporting or other personal consumer reports

There has been some fraudulent activities happening on my credit report. I've noticed usual accounts that I did not authorized. Please review my report and remove all fraudulent accounts from my report.
Product: Credit card

I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX XXXX {$150.00}, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document. 

I reported it the next day that I saw this transaction in my account {$150.00}
Product: Checking or savings account

I was in the process of changing banks for my direct deposit from my employer so I received a paper check from my employer I received my check on XX/XX/year> I initiated a mobile check deposit of {$1200.00} through Citibank. I did not currently at the time receive my direct deposits into XXXX of my accounts but I had been getting them deposited in a different Citibank account in the past. ( I had an access account, savings account, and a regular checking account, this mobile deposit went into my regular checking account which XXXX have had a small over draft of approx {$7.00} but I cant access the account so I am just not sure of the total. 
After depositing the check they almost immediately froze my account. I called them and they said it was in review and could take up to a week to finish. I called back a few times over the course of that week and they finally told me that the account will be closed in XXXX days and I will be receiving a check for the remainder of my funds. The account was officialy closed after about 30 days. On XX/XX/year>. I waited a couple weeks before checking on my check I should be receiving for approx {$1200.00} and some change. I called them on XX/XX/year> I believe and they said that I will not be receiving a check for the remaining funds because the check was considered fraudulent and I needed to have someone from my employer call and verify the check. Mind you the money had cleared and been sitting in my account since XX/XX/XXXX I think. But I called the lady in charge of payroll and she had the controller? Call Citibank to verify. Afterwords she let me know that all was good and to keep her posted. I called Citibank on XX/XX/XXXX I believe to ask about the status and they said the same thing. That it needed to be verified. They said they had received a call but they couldnt verify the phone number. So I let the payroll department know and then they tried again. Same issue.I work for a company under the umbrella of the XXXX of XXXX in XXXX XXXX. The company that issues my paycheck does not have any phone number associated with it in the whole of the company. I called back again on XX/XX/XXXX and told them about the problem. Citibank said that is the only way to verify the check. There is nothing else they can do. I asked for a supervisor and was told the same thing. I know there has to be another way to verify this paycheck. 
This whole ordeal has been a huge financial strain and a nightmare and no one will give me any information on what to do next. Please help me. I have included a photo of my screen stating that the check had cleared and the funds were in my account a couple of weeks after depositing. I also included a digital copy of my paystub and the check that was attached.
Product: Money transfers

On XXXX XXXX, 2016 I sent money via Western Union online to a family member. On XXXX XXXX, 2016, I cancelled the transaction. Initially, the customer service representative indicated that it would take three ( 3 ) to four ( 4 ) business day for the refund to be applied to my debit card. I made a subsequent phone call to Western Union on XXXX XXXX or XXXX to inquire about the nonexistent refund. The customer service representative then informed me that the refund would actually take up to seven ( 7 ) business days to process. Today, XXXX XXXX, 2016 is that seventh ( 7th ) business day and still no refund.
Product: Money transfer, virtual currency, or money service

Coinbase.com have restricted my account to send crypto but i can recieve the crypto to my coinbase wallet normally So i tried to withdraw my amount but I'm unable to withdraw as it's not allowing me to send my crypto to my any external wallet. 
Coinbase is completely a scam it catches your crypto and never release it.
Product: Credit card or prepaid card

I have 2 credit cards - Citi Premier Credit Card and Citi Costco Anywhere Credit card issued by Citi. Both cards are expired this year & I received notification from Citi that the cards won't be reissued due to " bankruptcy or a charge-off on another credit card account issued by Citi ''. When I received the notice, I immediately called Citi to inquiry and try to solve the issue to prevent my credit card account being closed. As for record, I do not have bankruptcy or charge off from any  credit card issued to me in the past. On XX/XX/2020, I faxed a credit report I pulled from XXXX  from XX/XX/2020 to Citi to show proof that the reason they denied my credit card renewal is incorrect. However, Citi didn't properly address my inquiry and as of result of it, my Citi Premier Credit Card was closed after XX/XX/2020. I was about to do a mortgage refinance and obtain 2 new credit cards from XXXX XXXX   and XXXX in between XXXX - XX/XX/2020. So I am simply don't understand why Citi won't reissue the credit card and Citi couldn't provide the proof which stated about the bankruptcy/charge off when I asked for. 
It is such a frustrating experience to deal with Citi Credit Card department about such incident when I clearly understand that they make a mistake and I am being proactively to address the issue.
Product: Credit card

Fraudulent charges appeared on my account starting on XX/XX/year> through XX/XX/year> a total of 82 times. From companies listed as XXXX XXXX XXXX XXXX XXXX XXXX etc. After many attempts to get this resolved, Citi finally credited and apparently resolved some of these but not others even though some are from the exact same companies. Out of {$690.00} in fraudulent charges PLUS interest, they only credited back {$130.00}. There is still {$550.00} of fraudulent charges that need to be credited PLUS 4 years of interest. Also, Citi abruptly closed my account for no reason, refused to give me any reason, and has not responded to 2 letters sent in by mail requesting the reasons for the closure. This is completely unacceptable and illegal. I will be taking legal action in 14 days.
Product: Debt collection

sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation name are inaccurate making credit information inaccurate
Product: Debt collection

I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful. 

Thank you so XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Product: Student loan

Discover Student Loans went through a system migration and it effectively removed auto-pay information for their customers ( me included ). I noticed, via my bank account, that the monthly ( scheduled for XXXX/XXXX ) deduction did not occur so I followed up via my Discover account. It showed me as 9-days delinquent ( as of XXXX/XXXX ). When I called to obtain additional information I was eventually told that they were having issues with some kind of " system migration '' that ended up removing auto-pay information for their customers. I asked if these circumstances were widely known to which I was told " the company is aware ''. Given these events, I was told I need to manually make the payment, then once my account is current, I could sign up for auto-pay at the time. I was told there was no way to retroactively post my payment and the 9-days delinquency ( or late payment ) will stay with my account, although there will be no reporting to credit bureaus. This seems to be a potentially large scale issue, with no communication to customers, that they are technically delinquent on payments ( the only way I came to find out about this issue was proactively checking my own bank account to see if the payment went through ).
Product: Debt collection

today I got a call at XXXX, yesterday XXXX. on XXXX XXXX. On XXXX. On XXXX XXXX. I have more records showing they consistently call XXXX times a day. They also leave multiple messages on the same day- for example I had a message at XXXX and again at XXXX which is against FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$7900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$710.00}
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

I wrote Federal Student Aid to formally request the cancellation and discharge of my federal student loans due to the Department of Education 's serious breach of privacy protections, as recently revealed in public reporting and legal filings. 


According to XXXX XXXX 's XX/XX/XXXX report, the Education Department granted XXXX staffers access to personal information of over XXXX XXXX federal student loan borrowers without proper authorization or notification. This unauthorized sharing of sensitive personal data includes Social Security numbers and income information, as detailed in a lawsuit filed by XXXX XXXX XXXX XXXX and Student Defense on behalf of the University of California Student Association. 

As both a federal student loan borrower and a XXXX XXXX, I am particularly concerned about this breach of privacy, which appears to violate : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of XXXX The Federal Information Security Management Act ( FISMA ) The Department of Education 's own privacy policies and data protection protocols The unauthorized sharing of my personal data without my consent represents a fundamental breach of trust and statutory obligations. I therefore request : Immediate cancellation and discharge of all my outstanding federal student loan debt due to this breach of privacy protections. 
Written confirmation of exactly what personal data was shared with XXXX. 
Detailed documentation of when and how my data was accessed. 
Written explanation of what steps are being taken to secure my personal information going forward. 
Compensation for credit monitoring services I may need to purchase as a result of this breach. 
Written confirmation that my data has been removed from any unauthorized third-party systems. 
A complete audit log of all accesses to my personal information from XX/XX/XXXX to present.
Product: Debt collection

I took out a loan with Advance America in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or XXXX XXXX and XXXX XXXX has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted Advance America and found out {$310.00} was all I owed and that they ( Advance America ) sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed Advance America {$310.00}. I would like to pay my debt of {$310.00} to Advance America directly.