23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An email was sent to me dated XX/XX/year>. My credit score was obtained on XX/XX/year>. The credit card company is called fnbo. I did not apply for this company. I also want to know if ANY other cards were open under my name. I want to freeze these accounts that opened under my name that I do not have any collection of.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment reported XX/XX/XXXX on XX/XX/XXXX my due date was changed to the XXXX for the next three payments I called on XX/XX/XXXX to ask if i can make the payment on XX/XX/XXXX without any negative reporting and i was assured i could and we scheduled it coaf rep gave approval and i relied on that information
Product: Credit card or prepaid card

My Debit card is been compromised multiple times over the month, someone is purchasing with my card even right after I activate my card or right after I use it in some stores/grocery near my house.
Product: Mortgage

Hello I have been trying to pay my mortgage on my home and their site has been down for one week and half. There has been no response on their end, and this could affect my credit not due to my own fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, Transunion, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and Transunion and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Product: Checking or savings account

I deposited XXXX overnighted to me by a friend to help me with a tax lien and HOA lien and those XXXX XXXX  put a 9 day hold on the funds! Putting my home in jeopardy- I would never have deposited it and quite frankly after I take care of things Im closing account with them and also reporting to Attorney Gen & OCC . 
they have branches everywhere they are just floating funds Regions XXXX
Product: Credit card or prepaid card

Had a problem with a Company called XXXX XXXX with regard to getting a watch repaired. I cancelled the credit card charge for services rendered for XX/XX/XXXX. The problem was resolved and I received my watch back first week of XXXX, XXXX. Before getting my watch back the merchant asked if I would send a check for the amount of {$1800.00}. I agreed.Received a letter with a form to fill out from Chase bank wanting to know if the problem had been resolved and I said yes. In the correspondence I stated the bill had now been paid with a check, and I submitted a photo copy of the cashed check with the merchants bank. I asked chase to remove the charges.. Since that time I have sent out two other letters the last one being by certified mail. Each time I sent out proof the transaction was paid. I received a letter from Chase bank customer service dept. dated XX/XX/XXXX stating the transaction was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Mortgage

Mr Cooper mortgage lender company failed to pay my homeowner insurance through escrow for XXXX month. I have been making my mortgage payment ( Principle, interest, tax, and insurance ) monthly on time each month. without delay. I was surprised when I received a letter in the lender stating I have no home owner insurance for almost XXXX month and they are going to buy me insurance and bill me for it. 
I reached out to my insurance company ( been with them for XXXX + years ) only to notify me I have no policy with them anymore and I'll have to reach out to the XXXX  state insurance agency to buy a state insurance. 

For XXXX days I called around trying to buy insurance from other provider but I could find one within my budget until I found one that is {$1000.00} extra from what I sued to pay. 

This is unprofessional and reckless since unknowingly I had no insurance for XXXX month and my area has been many storms and hurricanes, I could've lost all and now I have to add an extra {$1000.00} for insurance bill each year.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

My Initial complaint no. is   XXXX   ( CLOSED ). This serves as a second complaint agains t CitiMortgage  regarding the lengthy time to satisfy our request for a short sale. In   XX/XX/XXXX ,  I requested hardship assistance, and my account has since been reassigned to multiple agents, and as of today  (    XX/XX/XXXX   )  CITI ha ve yet to respond. In   XX/XX/XXXX , o ur authorized third party ; provided all requested documentation t o Citi, an d our file was then submitted to the  Citi Underwriting D epartment for review, and it was noted that all documents requested were consistent with underwriting guidelines. In   XX/XX/XXXX ,  our file was again reassigned, but in     XX/XX/XXXX ,     the Short Sale department stated that additional documents were needed to proceed with the short sale. We again went through several requests for documentation, and on   XX/XX/XXXX   we were advised that the requested documents were received and our file was submitted for review by a Short Sal e Negotiator.    According to the last communication from  Citi o n   XX/XX/XXXX ,  they were to advise response to request in 15 days which I presumed business days which gave them until Monday the   XX/XX/XXXX . O ur request for resolution has been met with negative results.   Your assistance with providing us relief on this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

I called Equifax and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the items immediately since they are ruining my credit.I also tried uploading supporting documents online but their system is more inadequate then their employees and always give me errors which I know to be incorrect.I contacted all XXXX credit bureau s in the same exact time and so far ONLY XXXX corrected the issues the XXXX and EQUIFAX seem to be helping the defrauders more than the victims.Shame on them!!!!
Product: Credit reporting or other personal consumer reports

XXXX failure to report high-credit when CRAs query charged-off account cause XXXX scoring models to report amount in high credit as original charge-off amount. This can be seen from Equifax data through XXXX  as the second remark for the account. This is patently false. The high-credit was {$15000.00}. The amount alleged charged-off was {$3400.00}. As it stands, the account was wrongfully charged-off by XXXX in XX/XX/2021 due to their willingness to use unfair, unlawful, abusive acts or practices. This account SHOULD NOT REPORT any payment history after XX/XX/2021 and should report No Data for months XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

JPMCB Card has an account on my credit and I have never had an account with them.
Product: Credit reporting or other personal consumer reports

I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/scrub>XXXX XXXX XXXX  I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from Experian, XXXX, XXXX, and XXXX XXXX XXXX
Product: Credit reporting

In XXXX XX/XX/2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from XXXX last week. I sent several emails but have not received credit reports from Tranunion and XXXX. 
XXXX continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all XXXX bureaus but still experiencing the same problems today.
Product: Debt collection

( Credit Clearing House Of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$200.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX
Product: Prepaid card

I had a {$75.00} Visa Vanilla Gift card that a purchase was made on it. I never opened this card until XX/XX/year>. There was only {$43.00} on it. I filed a complaint and filled out forms to Vanilla Gift Card which they received on XX/XX/year>. They said it would take 90days to resolve. I called XXXX XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to a person that said it will take 90 days. But its over 90 days. XX/XX/XXXX I got an email that my case is closed and I will not get the rest of the money. Case # XXXX. I had XXXX other Vanilla gift cards that the total amount was compromised and they replaced them but the one that was partially used by a scammer they wont replace that money.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

I attended classes at XXXX during the fall of 2014. I had asked to be dropped from my online classes due to issues with the courses. I am now being contacted by National Credit Management with threatening calls for a XXXX debt they say I owe. I have asked for verification of the debt 3 times to mailed to me and have not received it. They have left threatening messages and hang up on me when they call. They are threatening my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to XXXX, XXXX, XXXX ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( Disclosure of Information to Credit Reporting Agencies ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' XXXX, XXXX, and XXXX do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.
Product: Checking or savings account

The US Bank account was suddenly closed without any warning. I received a letter stating I was to receive a cashiers check with the remaining ballance of XXXX and next thing I know the account balance dropped to XXXX
Product: Credit card

I had a credit balance on my AMEX card for almost {$3900.00}. On XXXX/XXXX/2016, I submitted a request for a refund of the credit balance. The amount was deducted from my account and told me to expect a check. Several weeks later, I still had not received a check. On On XXXX/XXXX/16, I called phone # on back of AMEX card. Spoke with XXXX, emp number XXXX. This person said the check had been mailed to my work address ( I never received it at my workplace, and the work address was not the AMEX address of record ). I was told that AMEX would issue new check to be sent to the address of record on XXXX XXXX, XXXX HI. Today, it is XXXX/XXXX/16, and I have received nothing. What especially angers me is that a prior large credit refund took THREE YEARS for AMEX to pay to me. They ultimate did issue a check, but for the original amount without any interest. I had called them during the 3 year period but they had said the check had already been cashed ( which was untrue ). Please, please, help me get my money back!
Product: Checking or savings account

Everytime when I dont have money in my account they charge me like {$1.00} or {$10.00} overdraft
Product: Credit reporting or other personal consumer reports

Personal information was stolen due to a data breach in the credit system.