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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} Credit Card XXXX  XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Auto XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX} Credit Card XXXXXXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. 

XXXX XXXX is the company. 
Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.
Product: Credit card

In XX/XX/XXXX my Lowes Credit Card rate on purchases was 24.99 % APR, in XX/XX/XXXX it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my XXXX card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card

I am writing to formally file a complaint regarding, extremely high interest rates and late fees. The fees added on were unreasonable and so frequent that it caused me to drown in debt, when I was once making all payments on time. My usual on-time monthly payments eventually were not enough, after unwarranted fees kept being added to my account. These fees on top of random fees and transfer fees, kept accumulating causing me to fall behind instead of decreasing the amount I owed. My credit card account has since been closed with fees still piling up.
Product: Money transfer, virtual currency, or money service

Transferwise closed my account in XX/XX/XXXX without giving a reason and has not returned my money. I appealed their decision and the appeal was denied. There is approximately XXXX and approximately XXXX in the account and they said that this would be returned within 60 days. It has not. 

I contacted them in XXXX, XXXX, well after the 60 day period had elapsed, and was told that the return of the funds had been delayed 'indefintiely '. 

As of XX/XX/XXXX I still have not received the money. 

I have attached a previous account statement to provide you with details necessary to identify me and the account. Please note the currency amounts listed are not current. 

Thank you
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.
Product: Mortgage

No resolution to the following complaint that had been filed. 


LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE  NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB please find attached with this complaint copies of the results of the investigations that Equifax and XXXX  initiated into this medical account after i had inquired that they provide me with process of ensuring accuracy. As you will notice on the copies from XXXX  the above named account has been deleted because XXXX  conducted a proper investigation and has determined that this account is reporting inaccurately. Equifax on the other hand has not investigated the account but sent me a response back lying they did and the account has been verified as been accurate. Equifax responded back to me the same day they received my mail. this account is inaccurate and must be deleted from my credit report.
Product: Debt collection

Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.XXXX/XXXX XXXX  XXXX {$330.00} date open XX/XX/XXXX 2.XXXX/ XXXX  {$460.00} date open XX/XX/XXXX 3.XXXX XXXX XXXX $ XXXX date open XX/XX/XXXX account # XXXX
Product: Checking or savings account

Around XX/XX/2023 Citi blocked my ability to access my funds on my checking account arguing they could not verify my identity. I went to the branch and presented my passport and still Citi did not unblock my account with me present and with my official ID. I then called multiple times and Citi argued they could not unblock my account until I had my phone verified. I provided my number which was the one I used at opening the account and they said they could not verify it. This happened multiple times after hours on the phone and multiple visits to branches. Citi on XX/XX/XXXX said they would send me a letter with a verification code and that it would take 5 to 10 business days but I never received the letter despite Citi having confirmed that they have the right address. Today is XX/XX/XXXX  and I have still not received the letter nor has the account been unblocked despite my efforts through calls and visits to branches. As it stands Ive incurred in around XXXX dollars worth of fees. XXXX XXXX at the Citi XXXX XXXX XXXX and XXXX XXXX was the last interaction I had at the branch today. They called the Citi team that is supposed to be able to solve this but they have referred to a verification letter the same referred to above from XX/XX/XXXX that I never received. I did receive however another letter from citi regarding tax forms so we know that I live at the address stated on my account and that citi is able to get letters to me. This is causing not only a high degree of XXXX  but I have also not been able to make any payments from my account including rent and utilities which not only damage my credit score but also creates the risk that I breach my lease and my other obligations. This is also the account where I receive my salary so I dont have access to that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Checking or savings account

On XX/XX/2019 I made I purchase online for an electric car. The website was https : XXXX. The amount of the transaction was {$160.00}. After the transaction, I was supposed to receive a confirmation email with the transaction ID and other information, but the email never arrived, and after three days of waiting, I tried going to that website, only to find out that it no longer was available. 
I created a claim with my bank ( Bank of America ), and I received my funds the next day while they investigated, and after some time, I received a notice that the funds which were given to me were debited from account due to the bank of the seller refused to return the funds. 
I was informed by the fraud department of BOA that in order for me to win my case was to take the seller and his bank to small claims court, except that would be impossible since the seller and his bank is in XXXX, and also unable to be located.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXXfor the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit card or prepaid card

On XX/XX/2019, my wife of XXXX years who is XXXX years old was called from a legitimate XXXX, XXXX telephone, whom she calls quite often for help, which she pays for this service. She was told that her computer had been attacked with a virus and the only way to cure this problem was to buy a series of XXXX XXXX ( she had no idea of what a gamestock card was ) using her CITIBANK VISA CARD and that XXXX would reimburse her for the charges. During that night, she purchased {$4000.00} worth of these cards and received fictitious emails from XXXX that these were being reversed. CITIBANK has seen this happen many times and I am told that they have a program to warm them of a possible fraud happening. She was never called and warned by CITIBANK. The next XXXX continued calling and requiring more gamestock cards and she charged an additional {$17000.00} for these, for a total of {$21000.00}. 

Our complaint is against CITIBANK and XXXX for not warning XXXX of the fraud and not recommending she not charge any more the following day when they had at least 8 hours to trace this fraud and issue her a warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. ACIMA CREDIT and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. I have the right to privacy above everything. No one should have access to my nonpublic personal information. 15 USC 1681q and 15 usc 6821 talk about obtaining information on consumer from a consumer reporting agency under false pretenses.Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means. Remember the evidence you provided about the account on the credit report. The document stated, " This transaction is a rental-purchase agreement ( Agreement ) with Acima or its subsidiary. This is not a loan or credit transaction. The Agreement includes a 90- Day ( 3-month, in California, ) Early Purchase Option. This Early Purchase Option may be an amount greater than the merchants sale price and not same as cash.. '' You are reporting a past due account as chargeoff status in comments in the credit profile. The account should be collection not in charge off staus as shown in the attachemrnt since you stated you will not file a 1099c form with charge off status. The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. You were supposed to receive an explanantion as to how you opt out of reporting negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached letter, I have been contacting Equifax by mail, phone, and online to remove a consumer statement- to no avail. I even tried to have it change to no avail. I simply want the consumer statement removed.
Product: Checking or savings account

I called Chase bank over a week ago to replace a lost debit card. After it didnt arrive I called the bank and was told to call back after 7 days which I did. I explained I couldnt pay my rent and other bills and asked to have the new card overnighted. They said there will be a {$5.00} fee. I told them that my fianc who also banks with them was overnighted a card and didnt have to pay any fee. I also explained that in the past I never had to pay any kind of fee for it to be overnighted. They apologized and said there would be a {$5.00} fee. I said, you just lost a customer over {$5.00} and she said ok. I asked for her supervisor. After waiting 5 mins. I hung up.
Product: Credit card

We purchased a new washer and dryer and XXXX. We took out a new credit card at the time, it was a XXXX from XXXX XXXX. We had an old American express card with XXXX that we had not used since XXXX. We had only used it once for a previous purchase. We no longer have the physical card or the card #. We did not authorize the use of this card. 
XXXX XXXX put the charge on the wrong credit card, they must store them in their system. 
We went back to XXXX and they refunded the American Express card, but for some reason not the entire amount. They say delivery charge and hook-ups for the appliances did not get refunded. We have gone back and forth with XXXX as well. 
American Express has tacked on 2 late fees for {$70.00} during the time this was being disputed. 
I have sent them a check for {$170.00}, the amount that XXXX did not refund, but refuse to pay the late fees. I never gave anyone authorization to use that card, nor do I even have the physical card. 
American Express is being absolutely ridiculous about the entire matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.
Product: Checking or savings account

I recently contacted Capital One to initiate the process of opening a checking account. To my surprise, I was informed that my Social Security number ( SSN ) was associated with an account not registered under my name. The representative advised me to contact the IRS or credit bureau to address this issue promptly. This revelation has prompted concerns regarding potential identity theft or unauthorized use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested for a loan from XXXX XXXX XXXX XXXX. However, I was denied for the following possible reasons : Credit score shows XXXX from Equifax, derogatory public record or collection filed, time since delinquency is too recent or unknown, number of accounts with delinquency, or length of time accounts have been established. Immediately I reached out to Equifax XXXX XXXX XXXX XXXX XXXX & the credit union indicated that the score would have to be 720 or higher. I reached out to Equifax & asked that they explain to me why I was denied a loan because I know exactly what is on my credit report & I only have one acct in collections because I do not owe it. I have a credit score that totalS XXXX what Equifax shows, yet they sent the report showing that my score is XXXX. The Equifax rep said a mortgage score is different & when asking how do you all get that calculation she said she did not know. Again, my overall credit score is XXXX, my home is paid off, car paid off, I am not late on any of my accounts, & I have had these accts for over 7 years. As I stated to the rep how can improve the score if you don't know how or who calculate the mortgage score. So I can have excellent credit so I still can not get a loan when needed. I am needing them to either raise my score or tell me how they are getting the score so I can improve it. I am needing a loan and yet with excellent credit I am not able to get it.
Product: Checking or savings account

I was supposed to receive my direct deposit XX/XX/year> and I have yet to receive it. Capital one keeps on saying theyre fixing it but still no paycheck as of XX/XX/year> at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The account under my XXXX  named SYNCB/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged  XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.
Product: Credit card or prepaid card

On XX/XX/18 someone stole my XXXX XXXX card number and information from my XXXX XXXX account, they hacked into the XXXX XXXX and gotten my card information that was on file and made two unauthorized purchases with my card number. They made 2 purchases in the amount of {$90.00} and {$72.00} and attempted to ship it to themselves out in XXXX. Using my name and my information. I called XXXX XXXX but they kept giving me the run around. They transferred me over to the dispute department, unforturnally the line kept disconnecting on me due to high volume calls, making it difficult for me to dispute and get my money back. I don't have all this time to play with them, I need my money. I have bills to pay. I am tired of getting nothing done, they are not doing their job but transferring me and I am being cut of daily as I try to put in a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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