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

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX XXXX  HARD INQUIRIES | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX XXXX UCC 1-308
Product: Debt collection

On XX/XX/2022, I contacted XXXX XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify these inaccuracies, the errors persist, significantly impacting my creditworthiness. This letter serves as my numerous formal request for the correction of this erroneous entry. Despite these efforts, this account remain inaccurately reported, causing undue harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The continued presence of these late open account on my credit report is a clear violation of the FCRA, and it continues to affect my ability to access credit, secure loans, and make important financial decisions.

I request that could help me to conducts an immediate and thorough reinvestigation into this account, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you correct these inaccuracies and update my credit report accordingly without further delay. Furthermore, I expect also for your assistance to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance : {$29000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with XXXX XXXX in Georgia. I have been paying on this loan and it seems to never go down at all I refinanced it but I have paid way too much money and they still told me my balance is {$3500.00} I know I be late like 12 days or so but never months behind every time I pay they tell me it will go down but when I ask the price again when I speak with them they still say the same as it started my payoff balance. They are just taking my money I will never pay it off.
Product: Vehicle loan or lease

On XX/XX/XXXX I called Citizens bank to change the auto-debit checking account number associated with my payments ( I recently moved from a XXXX XXXX checking account to one with XXXX XXXX XXXX XXXX ). During this call the representative instructed me to setup an new account with their online payment portal linked through their website. After completing this setup the representative confirmed I was good to go and payment would now be deducted from my new checking account ( with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX my payment, {$540.00} was deducted from both my XXXX XXXX and my XXXX  checking accounts and both payment appeared on my loan account with Citizens Bank. As I was on vacation I was unable to call until XX/XX/XXXX when they told me I had to wait until Tuesday to even file the claim and then it would take 7-10 business days for the claim to go through and them to MAIL me a check, this is after they insisted that the transfer was not an auto debit despite me not ever logging into my account or calling them since the XX/XX/XXXX call.

Citizens Bank took {$540.00} from a checking account they no longer had a right to access and insist that they can take weeks to refund the money, this is unacceptable as I was expecting that money to be present in that account. I escalated to a manager but they insist they are unable to do more, to date all I have received notice of is that the claim has been filed, this is at 4 days post notice and 15 days since the unauthorized transaction.
Product: Money transfer, virtual currency, or money service

I attempted to withdraw by Bitcoin to a storage wallet. Robinhood allowed the 1st export but then blocked all subsequent withdraws. I waited requisite number of time ( 24 hours ) between requests.
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XXXX XX/XX/XXXX XXXX
Product: Credit reporting

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Product: Credit card or prepaid card

On XX/XX/XXXX Comenity Bank XXXX XXXX XXXX  XXXX closed due to bankruptcy My account as listed on statement. was suspended at the time. My balance and credit limit {$800.00}. As advised by XXXX XXXX sales associates to continue payments to Comenity Bank. Payments continue XX/XX/XXXX until XX/XX/XXXX of {$35.00} on time XXXX of each month. 
On XX/XX/XXXX I was contacted from Comenity bank concerning my account. I was told my payments will be deferred due to my unfortunate illness ( XXXX ). I request letter in writing of the action toward my account. I later received a copy of my statement showing I still owes over {$900.00} and credit limit increase. I feel that the bank rated my interests and late fees from the current. With my past and current payments totaling over {$2000.00}.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Inquiries from Credit Report Dear CFPB, I am writing to formally request the removal of two fraudulent inquiries from my TransUnion credit report. The inquiries in question are from XXXX, dated XX/XX/year>, and XXXX, dated XX/XX/year>. These inquiries do not belong to me and are the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against the inclusion of inaccurate information in their credit reports, and any fraudulent inquiries must be removed upon request if proven to be unauthorized. I have attached a Federal Trade Commission ( FTC ) identity theft report that lists these inquiries, confirming their fraudulent nature. 

As the FCRA stipulates, if an inquiry is identified as fraudulent and does not belong to the consumer, it must be promptly removed from the credit report. Since I have provided proof that these inquiries are fraudulent, I respectfully request that you take the necessary actions to have them removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XX/XX/AMAZON Account # XXXX XXXX XX/XX/CARECREDIT Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/XXXX, Chase offered a promotion to transfer credit card points called 'Ultimate Reward ' points to a partner, XXXX XXXX XXXX and that they would add a 30 % bonus to it. These points have a cash value and are redeemable for flights ( and can be 'cashed out at XXXX cents per point ). 

I initiated the point transfer and was done on XX/XX/XXXX at XXXX PT ( you can see on the screenshots attached ). I also confirmed with the Chase agents over the phone 3 times that I did it in their promo window. The offer is also showing in the light blue box when I hit submit as well. I transferred a lot of points, but it's not enough for the flights I need so I feel like I'm getting stiffed by XXXX XXXX as I have points that I'm missing and the remainder I can't use when I did everything correct within the eligibility window. These points were worth $ XXXX on Chase and I wouldn't have transferred to VA if the promo wasn't shown as active ... and this whole experience feels very disingenuous. 

Date/Time of Incident : XX/XX/XXXX at XXXX PT Chase Points Transferred : XXXX Monetary Value of Points Transferred : {$1700.00} ( based on Chase Sapphire Reserve Cash Back ) XXXX XXXX XXXX to be received : XXXX XXXX XXXX Points actually received : XXXX Missing Points : XXXX Entities Involved : Chase Bank, XXXX XXXX, XXXX XXXX Actions Taken : 1. Reached Out to Chase Support on phone three times where they acknowledged the issue but insisted on XXXX XXXX to correct the issue. I have reached out to both parties up until XXXX XXXX XXXX. 
2. Reach out to XXXX XXXX support on phone 2-3 times ( after each Chase call ) and was told they don't have the tools and that Chase is supposed to resolve this.

3. Reached out to both on XXXX on was either ignored or told that they'll consider the feedback and that they won't escalate to Marketing or anyone to get this resolved.

4. At this point, it's been more than a year and neither the correct points nor a resolution has been received.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn ' belong to me and need to be removed. Also the next as well. thanks XXXX bank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports 15 U.S.C. 1681 ( m ) ( 3 ) Maintaining criteria on file. A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the XXXX period beginning on the date on which the offer is made to the consumer. 
15 U.S.C. 1681 ( m ) ( h ) Duties of Users in Certain Credit Transactions ( XXXX ) In general. Subject to rules prescribed as provided in paragraph ( XXXX ), if any person uses a consumer report in connection with an application for, or a XXXX, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection. I am asking for XXXX to provide the following : XXXX. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately ; it is a crime to threaten lawsuit with & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date, I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Checking or savings account

I opened a Citibank checking account in the summer, and attempted to get a money order for my rent ( {$700.00} ) at XXXX in XXXXXXXX XXXX 
I presented my driver 's license, and mobile phone number, and Citibank blocked the transaction. 
This started a long series of calls to the fraud department. They asked for items XXXX, and finally after 6 weeks of this I sent in a notarized deposition with all of personal information. They finally on XX/XX/year> admitted that I am myself. 
I was told that I would get a check for account closure in 30 days. 
They did not provide a tracking number or access to my account. So over 4 months, and I do not know what my balance is. Ludicrous. 
Why would you even block an account for trying to get a money order?
Product: Credit reporting or other personal consumer reports

Report XXXX. 
My mortgage lender XXXX XXXX is unable to pull my credit score from Equifax only. This is an urgent matter because Im in the the process of losing a home. I verified my name, social security number, dob, address that all match with Equifax. They state they dont see any issues. However, this is an ongoing issue. My credit score was pulled in XXXX with no issues. Nothing has changed with me. Please help.
Product: Student loan

For XXXX consecutive months, after student loans resumed, my auto pay for Aidvantage has been rejected. I have had auto pay set up for over a year in advance of repayments resuming, but last month the payment was not taken from my account and I was delinquent. I called the provider, made a manual payment, and was assured that auto pay would work this month. However, again the auto pay did not go through and again I am delinquent. I spoke with aidvantage and they told me I had only set up auto pay on XX/XX/XXXX- which is wrong. The previous customer service agent added notes to my account on XX/XX/XXXX stating the issue and noting that everything was set up for my XXXX payment. Speaking with them again this month ( XX/XX/XXXX ) they initially told me this was my fault and then said it was a system issue with no resolution. They would not provide this response in writing for my records. I also requested that the auto pay be adjusted so that it withdraws my money in advance of the due date so that I can monitor for issues and make a manual payment if there is an issue, but they do not allow this. I'm very concerned about late fees and impacts to my credit as a result of this, if it continues in future months and the only resolution they gave me was " it should be fixed by next month, so don't worry about it '' which is what they told me in XXXX and I'm still having the issue. They provided no assistance whatsoever.
Product: Checking or savings account

Date of Occurrence : XX/XX/XXXX Amount involved : XXXX Company involved : Discover Bank ( FDIC cert # : XXXX ) Nature of Complaint : On XX/XX/XXXX at XXXXXXXX XXXX  EST we were unable to login through our mobile banking and prompted to call Discover. When I called we were transferred to to the Fraud department. I spoke with XXXX in XXXX, AZ initially. She explained that our account had been closed due to a " Business decision '' and that we no longer had access to the funds. There was no explanation given and we were not allowed to speak to a supervisor. We were told a supervisor would call us within 24-48 hours. I asked when the funds would be released and she said after the investigation is closed, they would issue after 60-90 days. I explained to her that I am XXXX  and due in 60 days, that we are set to close on a new home in 30 ; all to her telling me there is nothing she can do. 
Over the next few hours I proceeded to call back and attempt to speak to a supervisor. I spoke with multiple representatives all who told me the same scripted message, " a business decision was made to close your account. '' After 3 hours I was transferred to XXXX in XXXX, AZ again ; she proceeded to cry and said " I want to tell you something that is happening but I could lose my job. '' That threw up a red flag for me immediately. She finally transferred me to her supervisor, XXXX ( also located in XXXX, AZ ), who proceeded to tell me the account was closed by a malfunction in the computer. However, there was nothing he could do on his end. 

On XX/XX/XXXX I spoke with XXXX in Discover 's Fraud department who told me again that the account was closed. I probed further and she finally disclosed that it was due to a check I deposited which included my middle name rather than my legal name ; therefore this was suspicious to them and it was a " Business decision '' by Discover to close the account. I asked why they didn't contact me to confirm that this was actually me, and she informed me this is not how Discover operates. I continued to ask her what we are to do without any money for the next three months and she had no resolve ; stating " it's out of my control. '' Action taken by Company : None. They have not reached out to resolve and they are locking down all funds we have for the next 90+ days without any alternative options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has been going through a financial hardship and has been violated by LVNV FUNDING LLC, LVNV FUNDING LLC is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XXXX XXXX- {$720.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is currently reporting inaccuracies in my credit report. There are now XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors equifax has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX JPMCB - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX