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

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$8300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. These accounts I don't recognize them, I didn't authorize them they are being reported by a XXXX party could you please remove them off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX does not allow for input and proper documentation of any calls or correspondence after the account is closed. 
All my calls have not been documented. 
All my complaints via a call have not been documented. 
Prior to the closure, I could send an email. Since the account has been closed, I am unable to have access to both of my prior loans paid in full. 
I have a dispute of the only 30 day late in my Credit Report from XXXX. It was admitted that they had internal personnel issue due to CoVID-19 and payment processing. 

Come to find out, my calls to inquire and dispute, NONE have been documented since the representatives are unable to document the dispute. 

I am also filing a FDCPA and ECOA complaint. 

XXXX XXXX Dispute Department XX/XX/XXXXXXXX XXXX, XXXX XXXX Re : Account : XXXX Escalated Complaint / XXXX XXXX Research Department / CFPB Reason For Dispute payment processed XX/XX/2020 ; 30 day derogatory Please correct the reporting of the 30 day delinquency for the PAYOFF that was processed on XX/XX/2020. This was unbeknownst and unrelated to any fault of mine. As you can see by my payment record, even after being intubated XX/XX/2020, not being medically released to return to work until XX/XX/2020 just to be Furloughed until XX/XX/2020, I made all of my monthly payments. 

I paid off my other loan in the amount of {$18000.00} with you, too, in or around XX/XX/2020 as soon as I was able to function. My accounts were never placed on a Forbearance, despite of my situation. 

I do not know if due to CoVID-19 the payoff was not processed in time, USPS or other delivery methods delay due to the Pandemic. 

However, I do know it was to no direct fault of my own. 

I appreciate your swift assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr continues to report my XXXX  history from prior to the past 7 years, from XXXX ( almost 13 years ago ) and XXXX ( almost 17 years ago ). When I asked them to please remove it since its not complying with the FCRA guidelines of only allowing a background check for employment to go back only 7 years. FCRA guidelines for background checks, including XXXX  history, is supposed to only go back the previous 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : 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
Product: Vehicle loan or lease

I bought my leased vehicle from XXXX XXXX in XX/XX/2022. They sent me the title in XX/XX/2022 with the wrong mileage written on the back. They more than doubled the mileage that was on the car and what was written on the odometer disclosure statement originally submitted to them with the car payoff. I immediately contacted them to make them aware that they wrote the wrong mileage and they were supposed to send me a notarized affidavit of correction and a notarized NJ XXXX odometer disclosure statement so I can title and register the car in my name as required by NJ XXXX. They sent me XXXX XXXX, again with the wrong mileage! I have spoken to numerous agents and supervisors. No one seems to know what they are doing. I have spent over XXXX hours on the phone fighting with them for what is rightfully mine since XXXX!! I have a new car loan with Bank XXXX XXXX and they are hounding me for the title since they are the lienholder. I have a car sitting here that I paid for that I can't register in my name and the current registration is expiring at the end of the year. This is unacceptable from a huge corporation. I never expected this to be such a hassle. There are hundreds of complaints against them on the Internet for titling issues.
Product: Credit card or prepaid card

On XX/XX/22, I reported unauthorized transactions with Apples Goldman Sachs card. There was nearly {$3000.00} in purchases applied to my card which occurred inside of an app from XXXX. It has been more than 2 months and now I am receiving messages that my dispute was not in my favor and the charges are reappearing on my card. I had just paid off my card prior to these charges being made and the company is not willing to see my view on the matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/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: Checking or savings account

On XX/XX/year>, I opened a checking account with Capital One Bank here in XXXX, Texas. On XX/XX/XXXX, I received a {$500.00} XXXX from my sister to pay for car insurance, and that same day I received {$1400.00} from my aunt to buy a plane ticket for her and my uncle. The next day, XX/XX/XXXX, the bank decided to close my account and they didn't give me any reason. The account currently has a balance of {$820.00} and they won't return the balance to me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXXXXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX
Product: Mortgage

Twice, last month - NFCU employees went out of their way to racially profile customers, then deny them ( me ) service. On XX/XX/XXXX, their employees simply refused to open their bank doors at XXXX. 3x, a manager came to the door to tell us they werent opening, because they were scared of the XXXX women & other customers yelling about waiting, outside. We had to call the police to force bank employees to open the door. A different manager later lied and said that the police had told them to lock the doors. That wasnt true - when police arrived- they had no idea why bank employees refused to open up. I made a point of also speaking with the person who locked us out, she likewise lied and denied locking the doors in our faces, except we filmed it. There was no excuse for such random, rude behavior, at all. 
Then - XX/XX/XXXX, I went in person to the XXXX Branch where the receptionist/manager demanded my ID, accessed my accounts, asked me why I was there, tried to dissuade me from accessing the service of speaking with a loan officer, and instead directed me to a man I suspect was security, because he couldnt or wouldnt intelligently answer one, single question of mine. He mumbled something about how he didnt know what I was talking about, and I needed to make an appointment to come back at a later date to speak to someone else. I told him that I had taken 2 buses to get there, and wanted to speak to someone that day. He refused to route me to a more appropriate person, provide rates, or even offer a brochure to explain mortgage types and other, pertinent information. His attitude and behavior were evasive and atrocious. In frustration, I asked if I could apply online- which he confirmed. Unfortunately, after applying at home- my application was rejected and denied for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

All my information was exposed in a data breach recently in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX XXXX XXXX claims I have a charged off, closed account in the amount of {$13000.00} that was apparently opened XX/XX/2018. I am writing to advise you that XXXX XXXX XXXX is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching XXXX XXXX XXXX on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX  is not bonded in the state of Texas. I am requesting XXXX XXXX XXXX immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E.

The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Product: Debt collection

Greetings, I have been receiving anonymous calls and voicemails with my personal information being left on public voicemails from XXXX and XXXX. The calls have averaged over XXXX a day. I called the XXXX number name of the point of contact : XXXX XXXX ; and someone named XXXX answered and asked for my name, then provided me with the last XXXX digits of my SSN without verifying my identify. I advised him he should verify my identify before providing the last XXXX digits of my SSN. He then said what would someone do with your name and last XXXX digit of my SSN and became irate. I ended the call by stating I will report him to the CFPB. I have never received any correspondence in the mail for a debt owed and if received and legitimate will pay the debt. 

They are in violation of the Fair Debt Collection Practices Act by not providing me their actual company name, address, and business licensing number. They refuse to mail any correspondence for the debt owed and this is against the law. I am unsure if this is a scam or identify theft ; but all claims have to be legitimized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Disputes to Experian on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. Experian said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how Experian can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So Experian couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX  and the debt was removed from my report. I have not been able to see my report from XXXX  as of yet .I request a hard copy of my report from XXXX  XX/XX/2020 and never received it. I am current trying to contact XXXX  customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX.
Product: Checking or savings account

I was in XXXX de XXXX XXXX on XX/XX/24 and at around XXXX I lost my card but was no aware. In the morning I noticed a charge from a XXXX XXXX for {$960.00} USD amongst other smaller charges {$36.00}, {$38.00}, {$60.00} {$12.00} and {$2.00}. When I talked to Chase Bank I told them the XXXX charge I did on the card was the XXXX charge which is where I lost my card. I did not get a letter on my portal as they said I did and they re-charged me for everything stating that because there was charges that did not mention that were made after the charges that I reported which is not true I did not have the card on me. I don't understand how they can charge me if the pin was not entered and obviously I did not sign for those charges.
Product: Money transfers

I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX