23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid for 2 orders ( XXXX for {$150.00}, XXXX for {$190.00} ) of custom printed XXXX XXXX XXXX  from XXXX with my Citibank card, which I have been using for 20+ years. The shirts that arrived were obviously counterfeit goods : the dimension were different than the dimensions on XXXX website, the fabric was scratchy and see through, the tag/logo design was inconsistent, and the stitching was loopy and loose. I contacted XXXX, but ( of course ) they would not give me a refund. 

I sent all my documentation to Citibank Disputes as well as a letter from a Case Manager at XXXX ( an international counterfeit goods identification agency ) stating the shirts were obvious counterfeits. 

In XXXX, Citicards refunded my {$150.00} order " as a courtesy '' and said they would continue to dispute the {$190.00} purchase. After months of emails and phone calls to Citicards, they sent me a message on XX/XX/XXXX stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. '' It's Citibank 's legal obligation to protect me and my card from criminals who misrepresent themselves and the descriptions of their goods online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX & TransUnion about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. TransUnion stated it will take 30 days its been 30 days & still no update!
Product: Debt collection

I want this amount of {$810.00} XXXX XXXX dollars to be removed from my credit report I have nothing to do with it.
Product: Debt collection

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my Federaly Protective consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years.

A person should not furnish any information relating to a consumer by any consumer sumer ageny
Product: Credit reporting or other personal consumer reports

I created an account with Transunion to check whether they had an issue with my file as I was unable to apply for a loan, and had no issues flagged at the other two credit reporting bureaus. I was able to login to the account but was not able to use any of the features in the website- credit freeze, credit dispute, credit report. On each of these pages, I got a message saying that this service was not available to me online right now, and I should call their support line. I have now called the support line several times over the past three weeks, and after being sent from the accounts department to the XXXX department to several managers, and was told I would get callbacks from tech support but have gotten nothing. Several people on the phone told me there was nothing wrong or flagged on the account, while another person told me they could see that the support team was actively working on my case- this was on XX/XX/29. The account is still locked to me after I login as of XXXX, and this block and subsequent inaction by Transunion is preventing me from applying for a loan for graduate school.
Product: Debt collection

I have told the company reportedly to stop contacting me and they won't stop. They call me at XXXX and leave voicemails. Send me emails as well. 
Most recently on XX/XX/19 I told them to stop contacting me and the rep emailed back saying that they will call everyday and not stop.
Product: Credit card or prepaid card

XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.
Product: Credit card

Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.
Product: Debt collection

Several months ago I contacted XXXX XXXX on an old credit card bill that was charged off so I could help increase my credit score. The  amount was under {$1500.00}. It was agreed verbally that the payoff would be decreased to {$700.00}. I was able to pay {$500.00} that day and agreed to pay the remaining {$200.00} when I could over the next several months. They agreed on a recorded line and also sent me a settlement letter. Since that time, I can not find a copy of the settlement letter they sent me as it was in my briefcase stolen from my fiance 's truck when there were break ins in our neighborhood in XXXX County ( they also stole his laptop and we have proof of all this/the thieves were apprehended ). That being said, this past week I have been receiving letters from several lawyers that a class action suit has been filed against me by XXXX XXXX - at least 5 letters came. I called XXXX XXXX 's customer service number but it only asks me to please hold and then a law firm picks up. I explained to them that I had reached a settlement agreement with XXXX  XXXX but they refused to listen, stating I owed over {$1400.00} and needed to produce the settlement letter to prove this. I told them I needed to speak to XXXX XXXX because the call was recorded and I did not have a copy of the letter, and asked if there was another number I could call. The first staffer I spoke to stated I needed to speak to XXXX XXXX directly but I told them I keep getting transfered over. He couldn't help me. The second staffer I spoke to stated the same - you owe {$1400.00} and at that point I got very upset and stated I was not hanging up until they put me in touch with XXXX  XXXX or gave me a number to call them - so she hung up on me. I feel this is fraud and they are trying to collect money that is not owed. I payed the {$500.00} and only owe {$200.00} but how can I prove this if I can't get through to XXXX XXXX? This law firm is blocking me from getting through to XXXX XXXX to get the legitimate information which is my right. They are demanding money that is not owed and this is in no way fair
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have had a credit card with USAA for decades. I was furloughed in XXXX because of a tornado that was a Federal Disaster and then COVID-19. 

I contacted USAA several months ago to find out what my options were for managing the debt while experiencing a financial hardship. I explained to the Rep that the TN Dept of Labor was not distributing UI claim benefits - it took a call to the Senator and 10 weeks of no income. 

Since then I have received at least 280 phone calls from USAA on my mobile. I have tried to get a supervisor who might have better knowledge on how to resolve the issues, but I remain on hold until I am unable to wait. 

Please advise how to stop these stalker-like calls that I receive morning, afternoon, evening, and weekends.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX acct # XXXX this is identity theft XXXX is not responding to my dispute its been more than 30 days.
Product: Debt collection

I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!
Product: Credit card or prepaid card

These are the two fraudulent hard inquiries on my credit report. I did not apply for any credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 DSNB MACYS, We already disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have like 50 inquires from XXXX experian XXXX XXXXXXXX XXXX like XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXX dollars they claim i aint heard a pip from them when i told them they need to reimburse me my idenity got stolen while i was using yhere XXXX XXXX i have a debt with XXXX  XXXX it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant XXXX, even affecting my XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Debt collection

I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt. 

I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my privacy according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Student loan

In XXXX I went online to XXXX XXXXXXXX XXXX to take a class online. I borrowed Approximately {$1300.00} dollars. 
6 months later my mom passed away. She lived in an area where she was eligible for a program from the government called XXXX 
So, our attorney filed the paperwork so we could receive our money, my brothers and sisters. However, I did not receive the same amount because the Department of Education deducted what I borrowed from XXXX XXXXXXXX XXXX 
So, a few years go by, and I am contacted by a collection agency called Navient telling me I owe around {$6000.00} dollars. I explained that I had already paid off that loan. 
But they told me there was no record. So of course, I was afraid my credit would be ruined if I didn't make payments. I started paying them while I continued to try and find a receipt or someway someone could help me. I have paid this loan off easily 4 times over. because of the high entrust. And still today they tell me I still owe around {$6000.00} dollars. 
I am hoping that you can help me or direct me in some way where this issue can be corrected. 
Please any help would be appreciated I am XXXX and I am on a XXXX XXXX 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Experian data breach they are reporting false information on my credit report every single thing on my credit report is incorrect starting from XXXX up to now Im in the process of filing a lawsuit against them for the amount of XXXX for all the damages they caused me by letting my information being breached they are operating unlawfully and refusing to remove all the negative information that they caused
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing this complaint on my own behalf, there are no third parties involved. I sent a packet including an FTC identity theft report, proper identity verification showing proof of address and my passport, along with a statement writing to show the inaccuracies on my credit report with Transunion. This packet was delivered via certified mail on XX/XX/2023 to XXXX. The purpose of this dispute was acknowledged in my last CFPB complaint # XXXX. After reviewing my credit report, I noticed there were numerous inaccuracies. It is understood that consumer reporting agencies are obliged to maintain 100 % accuracy for all information furnished for a consumer. The inaccuracies I noted in my dispute and written statement were on the multiple noted inaccuracies of my report, notably the fraudulent accounts listed, that are a result of identity theft, and are inaccurately still being reported. These accounts include : XXXX XXXX - {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX {$4000.00} and XXXX  XXXX XXXX  XXXX XXXX {$5400.00}. Please do be advised, that NONE of these accounts have any cents to the dollar listed as a credit amount. Which already is an inaccurate account, by way of improperly stating the total amount owed on these fraudulent accounts. It has now been over XXXX business days since this dispute was filed, and delivered to Transunion. However, there has not been any acknowledgement from Transunion in the written notes section of these fraudulent accounts that any dispute is under progress. This is a large issue, as Transunion has a duty and RESPONSIBILITY as the furnisher for my consumer report to not only uphold a standard of reporting 100 % accurate information, but also to report each inaccuracy as under dispute within XXXX business days of receiving the request by me as the consumer. Not to mention, NONE of these accounts have ANY written permission by me as the consumer to be furnished on my report. My rights to a complete and accurate credit report as well as my rights to privacy are being harshly violated by Transunion and I will not stand for it. Please review my attached documents for evidence in what has been sent in my efforts to resolve this issue.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number # XXXX XX/XX/XXXX - Went to purchase a car from the dealership. At the time of purchase, I was trading in a vehicle that held a payoff balance of {$36000.00} with another finance company. The dealer and I contacted the current financial company, Infinite Financial Services to verify that the payoff balance listed on the letter I provided was accurate. The payoff balance at the time was {$36000.00}. The dealership process that information as part of my new loan finance and informed me that they will issue payment to Infiniti once sale id closed. I purchased the vehicle, closed out the sales order, and drove my new vehicle home. Later that evening I check the balance on my account and was given {$36000.00}. 
XX/XX/XXXX - An automatic payment was processed from my bank account to Infiniti for {$450.00} that I could not overturn because I failed to discontinue autopay. However, I noticed that there was also a manual payment for the same amount in process for XX/XX/XXXX which I was able to callback. 

XX/XX/XXXX - I confirmed with my bank and Infiniti FS that the XXXX payment for {$450.00} was reversed. I also received an updated payoff balance letter of {$36000.00}. 

XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX Infiniti to verify the payoff balance and was given {$36000.00}, which was the amount that they paid to Infiniti FS in order to receive the vehicle 's title. 

XX/XX/XXXX - Per Infiniti FS 's portal payment history page, my account balance was {$0.00} and the title had been released to the dealership. 

XX/XX/XXXX - I called Infiniti to discontinue some of my services when I learned that I had a balance due on the account for {$470.00} because the payoff payment was than the payoff amount mentioned on the letter. 

XX/XX/XXXX - I called and asked that the account be closed out and was refused. 

XX/XX/XXXX - I called back requesting the account be closed out and was informed that if I do not make the payment that I would be reported to the credit bureau for delinquent payment. 

My complaint is Infiniti Financial Services is attempting to hold me responsible for an error on their part for provided XXXX XXXX XXXX 's loan servicer with accurate payoff information different from their payoff letter after all payments and transactions were settled, resulting in a short payment from the new loan servicer. And they released the vehicle under the basis that the account balance was paid in full as mentioned in contract and on their automated services. However, they are looking for me to pay the remaining balance for their error.