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

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as possible. 

I Noticed This Information XX/XX/XXXX ACCOUNTS : Account name : XXXX XXXX  XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$180.00} Account name : XXXX XXXX  Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1400.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$17000.00} Account name : US DEPT OF EDXXXXXXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1100.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$440.00} INQUIRIES  : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not initiated any of this inquiry and it has no permission to create by me. I am urgently appealing for the removal of this mistaken inquiry attached on my credit report.
Product: Checking or savings account

I am writing to log a report against Navy Federal Credit Union in regards to multiple overdraft fees and it being reported inaccurately to XXXX XXXX XXXX and other third parties without my consent. I have a right to privacy and safety. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I called on roughly XX/XX/23. Don't have exact date. Regarding a {$6.00} fee. Customer service agent said he would refund fee, and after refund cleared he would close the account at my request. 

Later, on XX/XX/23, I see the {$6.00} was refunded, but account was not subsequently closed. Another {$6.00} fee posted. I called customer support. They stated they were unable to verify my account and unable to close the account. Hence I am contacting you. 

I am not paying an unwarranted {$6.00} fee. Close my account immediately.
Product: Credit card

XX/XX/XXXX I woke up to a large deposit of {$11000.00} in my XXXX checking account. 
Having no idea where the money came from, I eventually tracked it down. 

It was from a " Flex Loan '' from Citibank that was issued to me through my credit card. 
I never opened this loan. I never requested it. I don't even know what a flex loan is. 

I also happen to have about {$19000.00} in credit card debt from Citibank already, so getting a loan is the last thing I wanted or needed. 

So I called customer service and explained the situation and say that I'd like to give back the money and close this loan that I didn't open or request. Even XXXX. A wash. But I was consistently denied. 
They did issue my a new card, opened a fraud case ( nothing ever happened ). 

Also, this happened with my old card, not my current one. 
I don't have that card number any longer. 

Thus begins my journey. 
Since the beginning of XXXX I have spoken to Supervisers, Executive Response Team, Customer Service; anyone I can. 
I was consistently told that I can't close the account, even if I pay back the money. Since I'm in debt already, the money would go to towards the debt I already have. 
I did pay it back, because I just didn't want it. 

NOW, I pay interest on this loan. My monthly payments have increased. 
I personally feel as if I am being robbed. Citibank is just taking my money every month on a loan I didn't ask for, and no longer have. 

When I tell you I have spoken to every department I possibly can, I am not kidding. 
I am attaching the response from the " Executive Response Team '', which doesn't quite relate to my issue. 

I'm also sending partial copies of a few of my bank statements. 
You can see in XXXX, when I didn't have the loan that my payment was around {$250.00}. 
My interest payments weren't that bad. 

However, in the other two, you can see the Citi Flex Loan XXXX, with {$130.00} interest in XXXX, {$120.00} in XXXX and {$83.00} in XXXX. Plus the flex loan payment of {$270.00}. 

I am at my wits end. 
I can't afford this. I have debt elsewhere as well. I can't keep giving Citibank money. 
I feel as if I am talking and no one is listening. 

I was told time and time again that the Executive Response Team are the people to call. 
I have done that. No help. I filed another complaint. Still waiting to hear what they say, but the agent I spoke to wasn't very helpful. 

Please help I don't know where else to turn, or who to call. 

All I want is my money back, and to get rid of the loan. 
Until then then I will continue to pay a lot more interest that I need to. 

Look forward to hearing from you. 
XXXX XXXX
Product: Checking or savings account

I mailed back the companies own form demanding the account be closed. I called and requested account closure. I have been locked out online so demanded return of fees. They refuse to close the account, and continue to charge bogus fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from the credit bureau that information that was disputed on my credit file came back verified. What seems strange is that I did their job and requested validation of disputed information and the information that was provided would not be be accurate. Bankruptcy being reported on credit file under incorrect spelling of name how was it verified as mines?? Also XXXX XXXX could not provide validation of debt so how was the debt verified of mines??
Product: Debt collection

Allied interstate is attempting to collect a debt that is not mine. I contacted XXXX XXXX Bank and they agree the account ending in XXXX is NOT mine. Allied interstate needs to leave me alone.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted a CFPB complaint to Self Financial, INC regarding a fraudulent account opened to my credit profile. They replied requesting an FTC report so that the account can be closed and deleted. I have completed the FTC report and I am requesting for a second time that this account be REMOVED from my credit. No more run around games!
Product: Debt collection

My dad was contacted via email ( XXXX  is part of his email ) today with credit collection information that contained private information about the debt collection to his email. I have never received an email on my email about this or anything. Yet somehow they used an email with family members name in email to contact me while talking about the debt and debt collection and also threatening legal action. 

Under the act they should never sent the email to my father Im XXXX XXXX XXXX and live in another state plus never used that email ever. But they falsely sent that email I have pic from XXXX about it with a lot of private info that is against the law to share with family members. 

Below is attachments from messenger that my father who owns email sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I contacted Equifax, XXXX and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between Equifax, XXXX, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
Product: Debt collection

I was a loyal customer of XXXX for more than 4 years. i disconnected XXXX services on XX/XX/XXXX and transferred my services to different service provider and ported all active mobile numbers. I also talked to XXXX customer services representative ( XXXX  ) on XX/XX/XXXX and confirmed that the account has been deactivated and will be closed. She confirmed that XXXX will charge {$140.00} on XX/XX/XXXX for service period ( XX/XX/XXXX - XX/XX/XXXX ) because the billing cycle has already initiated. but in next billing cycle XXXX will reimburse me for the un-used services from XX/XX/XXXX ( service deactivation date ) to XXXX which is approximately {$70.00}. I lost XXXX online account access on XX/XX/XXXX after the services were de-activated. On XX/XX/XXXXXXXX XXXX instead to reimbursing {$70.00}, charged {$64.00} on my credit card. On talking to XXXX Customer service representative i discovered that XXXX activated a closed line. this line was deactivated more than 2 years ago. I didn't requested XXXX to activate any line and this line did not have any sim card associated to it. it didn't had any call history or data history as nobody was your this number. I was assured that XXXX will deactivate the line and try to reimburse me. Based on that conversation and previous Customer service experience. I requested XXXX  XXXX XXXX to put a hold on any new charges from XXXX and also initiated a dispute on credit card charges for {$70.00} and {$64.00}. which XXXX  XXXX XXXX reverted back on XX/XX/XXXX. This were the exact amount that XXXX promised to reimburse. In order to avoid any mis-understanding and get updated status i talked to XXXX representative ( XXXX ) on XX/XX/XXXX at XXXX XXXX. XXXX confirmed that there is no Balance due on the Account and the account is closed. Now, Even after multiple confirmation XXXX representatives, XXXX has sent the account to the Collection agency ( Radius global solutions LLC ) . They want to charge me for un-used services, Refund charges and late fee. where as i don't Owe they anything. the account balance is $ XXXX.which was confirmed by their multiple representatives. XXXX conduct is unfair, I have been their loyal customer for 4 year, have always made every payment on time as well as appropriately submitted request to closed the account and paid all balances. I am still being forced to suffer from unfair monetary and mental pressure. I Request CFPB to take appropriate action and help me resolve these credit issue.
Product: Credit card or prepaid card

On XXXX XXXX I made a payment of {$400.00} on my Bank of America Credit card. On XXXX XXXX interest charges of {$77.00} was applied to my account. I received a statement and on XXXX XX/XX/2020 I paid the balance in full of {$9700.00} of which the due date was XXXX XXXX. On XXXX XXXX I received a statement with interest due that was applied on XXXX XXXX on a zero balance. No purchases were made on the account from when the last interest charge was made only payments. I contacted the customer service on XXXX XXXX who refused to remove the charge.
Product: Money transfer, virtual currency, or money service

I received a Chime debit card in the mail XX/XX/2022. I did not open this account, I have tried contacting their number and no options to get to a human. I have contacted support through their support email, but nothing.
Product: Checking or savings account

My debit card was compromised on XX/XX/year>. I submitted a dispute immediately when noticing that my money was being moved around within USAA and purchases made from a company called XXXX XXXX ( from multiple accounts ) and XXXX  ( from a single account ) on the same day. All of the disputed charges from XXXX XXXX have been resolved. The dispute for the fraudulent charge from XXXX in the amount of {$3900.00} was denied. I have no idea who this company is and as explained to me by USAA, it is a cosmetics company. I don't wear make up nor do I purchase large quantities of products at almost {$4000.00}. I appealed to ensure a thorough investigation is completed and asking that my funds be returned. There has been reports of multiple USAA accounts being fraudulently charged and I am assuming I the next victim. I asked them to take a closer look at my purchase history and reconsider refunding this fraudulent charge. I have heard nothing back.
Product: Payday loan

Lender made an unauthorized hard credit inquiry and will not remove it.
Product: Debt collection

A company by the name of XXXX remodeling replaced the roof of my house through financing and took out a loan of XXXX with Acqua Finance. Only XXXX was used on the roof, materials were bought for XXXX and talent by XXXX XXXX. I explained this to Acqua Finance and I was told that there is nothing they can do since the dealership is not answering their phone calls and even though I showed them proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and definitely raises serious concerns about consumer safety and privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about inaccurate and incomplete information currently listed on my credit profile. The data in question is not in compliance with Metro 2 guidelines, and it is adversely affecting my creditworthiness, resulting in higher interest rates and missed opportunities for promotions at my current job. 

Below are the specific accounts that require immediate attention and correction : XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXXXXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX Please delete XXXX. XXXX XXXX XXXX XXXX Please delete XXXX. XXXX XXXX Please delete XXXX. XXXXXXXX XXXX  XXXX Please update to never late/pays as agreed XXXX. XXXX XXXX XXXX Please update to never late/pays as agreed I request that these accounts be removed and my credit profile updated accordingly, whether these accounts are currently reporting or not. The erroneous reporting on these accounts is causing significant harm to my credit profile and, consequently, to my financial well-being and professional life.
Product: Credit reporting, credit repair services, 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 # 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 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: Vehicle loan or lease

Hey, my name is XXXX XXXX, and I have noticed on my consumer report. That I see an auto loan that is not related to me. Which in fact, the consumer reporting agency have violated 15 U.S Code 6802 obligations with respect to disclosures of personal information. I need ( XXXX XXXX XXXX ) deleted immediately and removed from my consumer report. For the law 15 U.S Code 15 1681 cXXXX blockage of information demands that you file an FTC Report XXXX The account must reflect as deleted and removed from my consumer report within 1-3 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alleged child support collections appearing on my credit report that should not be on my credit report at all. I addressed this with XXXX and XXXX and they have properly removed this account. Experian for whatever reason has not. In my research of this Child Support item I noticed that the law does not allow for this type of account to be listed on a credit reports at all. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports under Section 4 subsection C ( Listed below and Attached in documents ) ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Is not mine ) XX/XX/XXXXXXXX XXXX XXXX ( Is not mine ) XXXX XXXX ( The date of my last payment is reporting incorrectly ) XX/XX/XXXX These information is incorrect .... 

XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. NJ XXXX XXXX XXXX, XXXX. NJ XXXX