23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Overpayment refund checks not accepted by financial institutions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

Synchrony Bank is now charging for paper bills. I already canceled my XXXX XXXX card, they also will be charging for Lowes rewards card. I take exception to paying 2 bucks a month to get a paper bill. I just won't use my Lowes card. The culprit is Synchrony Bank.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$35.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5700.00} XXXX XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing and evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX  o Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I want this sent to all three credit bureaus an my late payments taking off also I did not sign up for XXXX or a XXXX XXXX XXXX Please tell experience to stop reporting XXXX XXXX to stop reporting in XXXX to stop reporting these cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Details : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Ref Person : XXXX Description of Incident and Identity Theft : I have a company named XXXX XXXX  in XXXX Texas who have sent me pre-qualified check without my notice and I didnt asked for to my old address, which was cashed by someone else on my name. It was reported to all three credit bureau by the company XXXX XXXX  under my credit which is effecting so badly. 

I have already contacted the XXXX XXXX upon this 4 months back and the above incident happened in XX/XX/2017. Till now the incident is not cleared from my credit and company is deliberately delaying the entire process. I still dont trust this company. I need some help in dealing with this XXXX XXXX 


I request you to take action against this company due to the following reasons : 1. I have never asked them to send me a prequalified check/check without my notice. 
2. No financial company sends directly a check to cash a loan under any circumstance without prior information to the person.

3. They have used some this script tracing to find my current address and contact which is illegal.

4. Upon all these also they are not responding properly I think this is a fraud company who collects personal data.
Product: Credit reporting or other personal consumer reports

My final payment for my XXXX XXXX XXXX was made on XX/XX/XXXX. I was told when I called a month prior to verify that the final payment was on that date, that I had one more payment to make on XX/XX/XXXX. When I called on XX/XX/XXXX to find out why I hadn't been charged, my account manager informed me that I had made the final payment the week prior and the title would be mailed out shortly. 

On XX/XX/XXXX the car was totaled. I was informed a week later that I would need the title for insurance, and called on XX/XX/XXXX to find out why I hadn't received the title, and why a late payment of over 30 days was listed on my credit. I was informed that the title should be on the way and they would remove the negative remarks on my credit. 

I have called multiple times a week since, and have been offered excuses such as the title clerk is on holiday, my account manager is not in the office, or, even more baffling, that this is a common issue for them to send the wrong information to the credit agencies and that when I dispute it, they will be sure to remove it. Which STILL has not happened. 

6 months later, I was still showing that I have a past due payment and it is 2 months late. THE CAR IS PAID OFF AND HAS BEEN SINCE XXXX! I finally got my title and was able to get it to the insurance agency to finish totaling the car out, but this has wrecked my credit for months. Disputes with the credit agency keep getting sent back as accurate, even though my account manager has confirmed my account is closed ( paid off ). 

Now we are almost a year from the time the car was paid off, and it is still showing as past due of not even a full payment! I have continued to call and leave messages with the operator, and managers refuse to return my calls or respond to my complaints through the XX/XX/XXXX
Product: Debt collection

I will upload the rest of this explanation in the letter document I wrote to you. This is the start of the explanation, but I ran out of space. 
I am contacting you because a dispute with XXXXQ Data Collections Agency has not been resolved after four months o fdefamation ofmy financial credibility, not to mention my integrity, characterand moral values in handling payments. 
I am a co-signer for my son, XXXX XXXX, on his apartment rental contract. He moved out of XXXX XXXX in XXXX, TX, in XXXX, XXXX. This move wasa break XXXX contract due to an early exit. We paid the penalty fee as well as the XXXX rent in XXXX, XXXX. [ Receipt documents are uploaded in the email trail to XXXX, IQ Data, and XXXX XXXX XXXX. ] During the month of XXXX, XXXX, ownership ofthe apartment complex changed. We have always paid rent on time, in fact, usually the last days of the previous month. XXXX moved to his new apartment. We thought all was in order. 
On XX/XX/XXXX, I received a call from Agent XXXX of XXXX XXXX, saying that we owed XXXX XXXX, {$3400.00}. This was the first time I had ever had to deal with a collections agency, so I asked her what I needed to do. She said I needed to pay her on the spot or she would report me to the credit bureaus. My son was XXXX XXXX and I live ni CA, so I decided to pay her, as she requested, knowing I could always dispute the case ifmy son had evidence of payments. I was unaware that she had already entered a collections account on XXXX on XX/XX/XXXX, the day before this call. I used my VISA credit card through XXXX XXXX to pay the sum she requested [ See XXXX XXXX credit card statement XXXX XXXX XXXX. Then Icalled my sonwho said that he had paid thecontract break penalty as well as the XXXX payment in XXXX, and he sent me receipt documents. 
I called XXXX XXXX to inform them of the situation. They said I could file a dispute. I gave them the information over the phone. When I didn't hear back from them, I called them and was informed that I had not proceeded properly and was given clearer instructions. This starts the long email trail of explanations and attached proofdocuments to XXXX, XXXX XXXX, and XXXX XXXX XXXX [ See XXXX IO Data Dispute Emails ]. 
I did not hear from XXXX at all, but I did get a call from XXXX XXXX again after the dispute was filed. She said that since I took my money back, I need to pay her again or she would contact the credit bureaus. I tried to explain that I had not " taken my money back '' and that it was ni dispute because of the evidence of payment. She responded with something similar to : " Well, have fun reading your credit report! Enjoy! '' and she hung upon me. I was shaken and my XXXX was pounding, so I called XXXX XXXX XXXX and they said that the dispute was placed on the VISA platform and thatneither IQ Data norI could touch it. Soon after this, I received a letter from XXXX XXXX, dated XX/XX/XXXX, that I had won the dispute against XXXX XXXX and that the funds were returned to my credit card account [ See XXXX XXXX XXXX XXXX XXXX ].
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : 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 Equifax ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Student loan

In XX/XX/XXXX my husband, XXXX XXXX, started college at XXXX XXXX  XXXX XXXX, TN. He was a first-generation college student for his family and had very little guidance at home. His parents both worked minimum wage jobs ( mom worked at a storage unit and his dad at XXXX ), Wanting to better himself, he followed some friends to XXXX. Over his time at XXXX, he took out loan after loan never really understanding what that truly would mean for him years down the road. Never once did anyone in the Financial Aid office sit down and really explain what he is signing and what it would look like in 5, 10, 15+ years or what a job would be getting out of college, paying student loans, car, rent, insurance, etc. Also, due to lack of any parental support or guidance, he took out private loans instead of federal loans because that is what the school found for him to take out. By the last couple of years, he was told he was unable to get federal aid ( even though he was not a dependent on his moms taxes and his dad had passed away by that point ). I feel the college did a HUGE disservice to XXXX, along with others in that situation that truly do not understand or comprehend the magnitude of what they are signing. The amount of student loans have put an enormous strain on our family. Neither have a " wealthy uncle '' that is willing to help pay for college, cars, down payments, etc. We have been on our own and both have worked hard keeping XXXX steady incomes from XXXX through current but as we have kids and life happens the burden, sleepless nights and stress they have caused is indescribable. I pulled his private student loan from Aspire and he was given just under {$95000.00}. At this time, 19 years later we have paid back {$150000.00} and still have another {$58000.00}. This is not including his federal student loan of $ XXXX ( paid $ XXXX and still have $ XXXX left ) or mine of {$34000.00} in XXXX ( still owe {$42000.00} ). We have been making minimum payments for almost 20 years and have had to defer at some point given our financial situation. We have had difficult times financially and coming back after a missed payment to get caught up it is very difficult.
Product: Checking or savings account

I had made a purchase with a company and never received the items. Tried talking with merchant and filed a dispute on XX/XX/2021 prior I had 2 issues and won both. Also as hotel I never stated and cancelled in person. They said I wouldnt be charged and they charged me and wont refund. Filed XX/XX/2021. Still nothing keep getting the run around told it does qualify for provision then it doesnt. Prior I had a charge from XXXX through XXXX the sold me something stolen and wouldnt refund my money I filed a dispute but the Merchant refunded my money. Current the bank took 2 weeks to say they issued a provisional credit for that dispute yet it had been refunded 2 weeks earlier by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to BARCLAYS BANK DELAWARE and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Product: Prepaid card

XX/XX/XXXX I received a deposit in the amount of XXXX from my state because they were doing rebates so this card was supposed to be closed as of last year do to fraudulent activity well I was not worried about this money getting deposit because I knew the account was closed and there so the money would be then sent in check well I never received my deposit and I put a complaint with XXXX letting them know what happened then received a response from comdata stating that they fixed the issue and they were working on it then received another message stating it had posted I then proceeded to check the card and nothing I'm so frustrated this might not seem like a lot but I have 3 children I need to provide for so please help me
Product: Debt collection

I owe the Bank of America on my credit card. I've made multiple attempts to work with them however, they have not complied with my requests to have the debt settled and taken out of my checking account on a monthly basis Now they are taking me to court trying to say I've done nothing about my debt. Every time I call and pay down some of the debt and ask yet again, to have a settlement amount taken monthly, they set it up and then nothing gets done. It's predatory and damaging to me, and I want to pay the debt, but need a settlement, not to be sued for their errors.
Product: Consumer Loan

I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED XXXX  EQUIFAX AND XXXX  TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Debt collection

In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.
Product: Debt collection

In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.
Product: Checking or savings account

On XX/XX/2022. My checking account was hacked of the amount of {$400.00}. I received an email and text messaging letting me know that I had a XXXX transaction to some guy I have never heard of. I contacted the bank and they put in a claim. They closed the claim and said I did the transaction. I disputed the claim again and this time I reported them to the XXXX and to the Ethics committee of their bank. Their XXXX XXXX XXXX XXXX XXXX XXXX has found that my Citibank account was frauded and hacked. He sent over his investigation stating that my bank account was hacked and my money should be returned. Citibank refuses to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXX OF XXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX OF XXXX and the credit bureau doesn't reach the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXX OF XXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.