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

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX SERVICES : # XXXX, XXXX : # XXXX, has violated my rights. 

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

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

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

I had an auto which Wells Fargo repossed XX/XX/XXXX for late payments. In the year XX/XX/XXXX, I received a XXXX which was to claim income on this debt. 

After two years since then, the amount is remaining on my credit report. 

Is this proper? Can I get it removed as I am trying ever so hard to clean up my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. XXXX refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( XXXX ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, Equifax reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and XXXX  reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.
Product: Credit reporting or other personal consumer reports

ive recently did a credit check to see about my file and noticed there are fraudulent accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 states nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this i also request all written confirmations be sent to my email.
Product: Debt collection

Some one opened an Electric Utility bill in my name and now it's in Collections. The Collection company is XXXX XXXX XXXX ( XXXX XXXX XXXX ) The Utility bill was opened in Texas and I have never lived in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Product: Checking or savings account

I opened a checking account with citi bank. After making initial transfer to open the account. I deposited a payroll check to the account. The account was closed the following business day. I called and visited the branch and no one could explain why the account was closed. I received a letter saying they are closing my account and that they will return the funds in 60 days.
Product: Credit card or prepaid card

Review of my Bank of America credit card account ending in XXXX indicates there were multiple ( monthly ) variable APR interest rate increases. However, Bank of America failed to provide the XXXX interest rate change notification in advance as required by the Credit Card Accountability Responsibility and Disclosure Act ( CARD ) of XXXX a credit card company increases the XXXX on your account XXXX it must also inform you that you have a right to cancel before the new rate takes effect. In addition, theCARD Act restricts card issuers from charging the new interest rate on balances outside of the most recent billing period.The higher interest rate can not be applied retroactively. So, the existing balance will not be subject to the higher rate, only new purchases. 

Review of the account indicates XXXX interest rate increases were assessed on the statements beginning XX/XX/XXXX through XX/XX/XXXX for XXXX billing cycles and no XXXX notification was received from Bank of America or specified on the monthly billing statements. Also, the interest rate increases appear to have been applied to the existing balance and new purchases. Generally, card issuers must review and re-evaluate the interest rate for your account at least every XXXX months. However instead of providing a XXXX re-evaluation of the XXXX increases, Bank America has increased the APR consecutively for 8 months. There has been no negative change within my credit profile. In fact, Bank of America recently increased the credit limit on the card substantially which was not requested/initiated by the consumer. 
The credit card terms indicate a " Standard Rate '' which Bank of America defines as a variable interest rate and the index to which the rate is tied to is the U.S. Prime Rate. 

Please be advised all credit card payments were made timely, the payments were more than the minimum payment required and was paid on or before the due date. Therefore, there is no justification for monthly APR changes.Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX, Statement Due Date XX/XX/XXXX APR was XXXX XXXX Statement Due Date XX/XX/XXXX APR was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that wasn't authorize by me 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 ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Equifax to inquire about why my credit score decreased by XXXX points. I spoke to a supervisor and advised him that on XX/XX/XXXX. My credit score was showing XXXX points and this was during the time that an investigation or dispute of inaccurate account status was initiated by me. I told the supervisor that XXXX XXXX is used by both XXXX and Equifax and therefore the score should be the same since both bureaus shared the exact same account data. The supervisor advised me that the XXXX  score is conducted by an algorithm and he could not change it. I advised the supervisor that no negative account activity has taken place within this period of time or even this past year XXXX, and therefore there is no reason or provocation to prompt a score decreased by XXXX points When XXXX shows a score of XXXX before a recent inquiry. Now XXXX shows a score of XXXX! I told the supervisor that at the same time the dispute was closed My score was decreased by XXXX points. I advised him that Equifax must go back and reinstate my credit score because I have had all positive account activity and therefore the score should be reinstated by XXXX points. There are reports that Equifax has incurred a glitch in their technology that causes scores to diminish randomly. My rights as a consumer are being violated due to an inaccurate credit score rating being listed by Equifaxs failure in modern technology and or XXXX XXXX to function properly without random glitches.
Product: Credit card or prepaid card

Step 1 : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX I was making a purchase of airline ticket and the card transaction is blocked. 
Step 2 : XXXX XXXX XXXX Logged in to mobile app, saw alert and contacted Citicards no on the alert through mobile ph Step 3 : XXXXXXXX XXXX XXXX As I got an office work, I have my wife ( joint ac holder ) speak to customer service. She was told to wait for a review letter which may take 6 Working days. 
Step 4 : I intervened and asked for review. After 10 mins of discussion, the agent said she will call me back.

Step 5 : I didn't get any call for 30 mins and hence called back. After keeping on hold for 13 mins to speak to a representative and after having a rep on call, the rep hanged up the call as if she can not hear me. She also said a rep tried to call me back. When I asked, why there is no voice message, she took all the time to investigate keeping me on hold and finally hanging up the call as she can not hear me.

Step 6 : I called from my office nu and requested to talk to a supervisor. After being on wait for 17 mins before the call and for another 23 mins with the agent, the agent said supervisor is busy and will call me in 24-48 hrs.

So, I lost the deal, 3 hrs. of lost work time during office hrs. Still, they didn't resolve the issue, didn't say why they are keeping me on hold, did not heed to my requests not to keep me on holds and finally they didn't even got me a supervisor or any responsible person explain me what is going on. I have been customer of Citi for more than 15 years and this is the care they showed towards a long standing and good rated customer. THey didn't even want to explain why a supervisor can intervene and resolve the issue. They didn't even gave me a reason for all this mess. 
I need punitive damages from citi
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with XXXX and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel Citizens was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bank of America employee XXXX XXXX on multiple occasions accessed my personal information to search state websites for unclaimed money owed to me, then admitted she had done so. She also used my incarcerated brothers identity to open multiple credit accounts and accrue over {$13000.00} in debt fraudulently. I contacted Bank of America with this information and offered to show them proof of all of these things such as his credit report, showing everything is going to her address and communications between her and I where I asked her about it he fraudulent accounts and she admits to it and offers to send me the cards and doesnt. The bank declined to accept the information and stated they could not do anything about it. XXXX XXXX is actively stealing identity from vulnerable people who have no access to stop her using her position at Bank of America to assist her commit crimes and they dont care.
Product: Checking or savings account

My social security check was stolen by someone I didn't know, they stole {$1000.00} at a ATM machine I had the card with me from Direct Express
Product: Checking or savings account

on XX/XX/XXXX I found that {$3600.00} was taken out of my Apple bank saving account. I called Apple bank claims department where I was told someone activated a debit card using my DOB and S.S. my saving account was access over 10x with the amount of {$400.00} taken out every day from XX/XX/XXXX to XX/XX/XXXX. The bank never alert me and no statements were being sent to me my last statement was on XX/XX/XXXX. I never activated a debit card from apple bank. Apple bank rep was supposed to call me back on XX/XX/XXXX but never did. I than called claims department on XX/XX/XXXX I spoke with one of the supervisor in claims department where u was told after 60 days I can not receive payment, my case was closed and I need to do my own investigation by going to different atm with my police report to get video footage to than maybe I will get my money back. I then went into the branch in my neighborhood so speak with assistant manager who than told me my case was still open and they will be looking into it.
Product: Credit reporting or other personal consumer reports

I have been trying to upload documents to have items removed from my credit due to human trafficking. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022 somebody applied for a forever 21 credit card and spent over {$800.00} on mobile order. The person also attempted to open a credit card with Victoria 's secret and XXXX. I contacted Comenity Capital Bank in regards to the fraudulent charge. They have denied application for XXXX in Victoria 's secret and will start an investigation for the forever 21 credit card charges. The company informed the investigation usually takes 90 days and the decision is mailed out. 
The last time I have used my SSN was with XXXX company who does financing for solar panels. I believe the problem might have originated when I submitted my application through XXXX. 
I have froze my account with XXXX XXXX and XXXX. I will also contact the bureaus for identity theft and contact the social security XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Equipment leasing Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Truck dealers Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Leasing and rental reseller Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Truck dealers Contact Information XXXX XXXX XXXX XXXX XXXX inquires not mine
Product: Mortgage

I just got a loan modification effective XXXX XXXX, 2017 and by XXXX Nationstar claimed I was in default. Charged unnecessary and excessive legal fees, property inspection fees ; stacked late charges and fees every month and would not accept proper payments ; Kept perpetuating to make me go 90 days delinquent so they could accelerate balance due.