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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone had opened and applied for student loans two of them. XXXX is the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had fraud reported from other credit reporting companies based on information that was breach by Equifax. Ive called Equifax mutliple times from XX/XX/19-XX/XX/19 but every time I call I am told the systems are down call back in one hour. The customer service representatives cant even tell me the last time their systems worked. I was also not allowed to speak to a supervisor. How can I fix this issue with fraud when the credit report company is the problem???
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which 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 GM FINANCIAL  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00}XXXX GM FINANCIAL XXXX Date opened XXXX XXXX XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I keep receiving emails wrongly claiming I'm helping credit repair companies. This is not trueI send all correspondence myself. 

Please correct this immediately. Attached is a list of negative accounts and inquiries I want removed. If this is not resolved, I will consider legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Im unable to make a claim online in my banking app. This is a Bank of America customer service options thats not available to me for some reason Im unable to make a claim Im always asked to call in.
Product: Credit card or prepaid card

Citibank closed my credit card accounts ( 2 total ) without a merit and they wiped out my cash back bonus as a result. Their banker at the branch also did not understand the issue and we wrote a letter to Citibank together and still not refunding the cashback ( {$2800.00} total for two accounts ). Due to this unjust decision they dont issue a refund for the cash back that I have been saving for years. Citibank stated that they have right to close the account and I can not get my cashback that I saved for years. During these hardship times, Citibank is not very helpful and I have been trying to resolve this issue with the Banker since she understood the issue but Corporate does not want to help. 
there are two credit card accounts that they closed one 's end is XXXX the other is XXXX.
Product: Credit reporting or other personal consumer reports

My credit report shows that I owe {$190000.00} to XXXX. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
XXXX, TransUnion, and XXXX reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in Illinois for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a loan for my sons XXXX XXXX  with XXXX XXXX they said they would use XXXX  now there are over 10 hard inquiries on 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 i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this company has called me repeatedly. they will often call me multiple times an hour. between XXXX XXXX  and XXXX XXXX  alone they will call at least 7 times. They will call over the weekends and while I am at work. If they called once a day between XXXX and XXXX PM that would be fine. But they continuously harass me during my work day, during personal time, and even on holy days and holidays. i don't mind reminders, but this is harassment.
Product: Mortgage

I would like to know how New Day Financial ( NewDay USA LLC ) obtained my address and my information. I have registered with the Do Not Mail list, the DMA choice, The Idaho Attorney General, and I have contacted the NewDay USA LLC to stop. I continue to get letters from this organization. I do not want their services, and I would like this to end. NewDay USA LLC will not disclose how they obtained my address, or even how they know I have a mortgage backed by a VA guarantee. I am tired of my private information being sold and bought without my consent. This needs to stop. Next I will be writing a letter to the Senate Banking Chairman Idaho Senator XXXX XXXX. This abuse of information needs to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of EXPERIAN and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : EXPERIAN is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by EXPERIAN according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

EXPERIAN has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by EXPERIAN.

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to EXPERIAN, which is a crime and violation against another one of my rights.

EXPERIAN is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

EXPERIAN has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for EXPERIAN to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that EXPERIAN violated my rights in disclosing this information without my written consent.

EXPERIAN has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that EXPERIAN have the item removed.

Enclosed is a copy of my EXPERIAN credit report as well as a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report, A copy of my EXPERIAN credit report
Product: Credit reporting or other personal consumer reports

I'm incredibly frustrated and disappointed to find significant errors in my credit report, especially after taking the time to send a validation letter. It's shocking to see that your company hasn't fixed these mistakes and is not following the rules.
Product: Checking or savings account

On XX/XX/XXXX, I contacted the IRS via telephone regarding nonreceipt of my first stimulus payment. I was advised by the IRS they would have to do a tracer on the funds and would notify me. On XX/XX/XXXX, I received a letter from the IRS stating on XX/XX/XXXX an Economic Impact Payment ( EIP ) totaling {$1200.00} was deposited into an account XXXX at Navy Federal Credit Union ( NFCU ). Additionally, on XX/XX/XXXX a second EIP totaling {$600.00} was deposited into the same account. I was advised by IRS to contact NFCU referring to the above referenced account number. I made several telephone inquiries to resolve this matter with NFCU to no avail. On XX/XX/XXXX, I visited NFCU branch office in XXXX, Illinois and spoke with XXXX XXXX, Assistant Manager. XXXX XXXX verified the account number provided by the IRS belonged to another NFCU member and the EIP funds for the dates above were also verified as being deposited into this member 's account. Furthermore, XXXX XXXX stated this member 's account has been frozen however, in order to receive my EIP funds NFCU needed a " Letter of Indemnity '' from the IRS. I contacted IRS via telephone and in person on XX/XX/XXXX and both representatives have " no '' knowledge of a " Letter of Indemnity. '' I returned ( XX/XX/XXXX ) to the NFCU branch office and attempted to speak with XXXX XXXX. Since he was busy with an audit, he advised the lobby representative who waited on me to type a letter to me stating NFCU findings and in order to resolve this issue a " Letter of Indemnity '' is needed from the IRS. I have documentation from the IRS supporting my initial inquiry and the letter from NFCU acknowledging they " did not '' verify the ACH EIP payments prior to depositing them into the wrong member account.
Product: Checking or savings account

I had a citibank checking and savings account number compromised recently and {$7000.00} was stolen from the accounts. The money was recovered in a few weeks however, I was advised to reopen the accounts with a new account numbers - I did this. 

Once I received the new account number, I called to close the old accounts. This was a XX/XX/19. A few weeks later I received a statement showing the accounts were still open, I then again contacted citibank via chat, asked why the account was still open. I did not get an answer but they offered to close the accounts. Today, I found out that account is still open and accruing fees.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain negative information on my credit report. Specifically, two accounts that were included in my bankruptcy are showing incorrect dates and are inaccurately reported as adverse. Under 15 U.S. Code 1681e, credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report.

Details of the Disputed Accounts : Account Name : XXXX  Account Number : XXXX Date of Bankruptcy Inclusion : DIMISSED Account Name : XXXX Account Number : XXXX Date of Bankruptcy Inclusion : DISMIISED Description of Dispute : The accounts listed above were included in my bankruptcy, and according to the FCRA guidelines, they should not be reporting as adverse. Furthermore, the dates reported are inaccurate and do not reflect the correct information. This discrepancy violates the requirement for accuracy under 15 U.S.C. 1681e.
Product: Debt collection

The debt that the agency is showing is due to a billing error from the original company. Despite showing proof of payments and where the billing error occurred the agency is continuing to attempt to collect the debt. After documentation was sent via US mail the collection agency continued to attempt the incorrect collection. When chatting with an online representative of the agency they were unable to pull up the records I had previously provided. Documentation was provided again through uploading through the chat feature. The agent then instructed they would only be able to research through email and provided an email address. When sending the email to the provided address it was returned because the email was blocked by the receiver. A transcript of the conversation with the agent was also requested and then never sent. Capio Partners has shown a pattern of deliberate bad faith tactics to avoid acknowledgement that the debt is incorrect and that the account should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, has 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION TO XXXX, EXPERIAN, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK, XXXX Bank DELAWARE
Product: Money transfer, virtual currency, or money service

I was going to help out and friend In need. I went to cash app them {$100.00} and it was sent to the wrong cash app. I requested it back from the person and they would not send it back. I reached out to cash app customer service and they said there was nothing the could do. They said the only way I could get it back is if the person was willing to send it back. They would not. They just kept requesting more money for me. So now I am out of {$100.00} that I could really use during the pandemic we are currently going through in America. I tried to make a claim through the bank and there was nothing they could do either because of some cash app privacy act. I was told I had to contact you guys and file a complaint to get my refund back. Any help would be great. I would really appreciate it a refund during these hard times to help put food on the table for my family. Thank you. 

Phone : XXXX Email : XXXX XXXX
Product: Credit card

I recently acquired a new credit card from AAA Advantage Visa Signature handled by Comenity. My first payment was due on XX/XX/XXXX. I always like to pay on the due date in full to avoid any late fees & interest charges. So I paid this first bill for {$97.00} On XX/XX/XXXX at XXXXXXXX XXXX. The second bill was due on XX/XX/XXXX. This bill was for XXXX and again I paid the amount in full at XXXXXXXX XXXX  on XX/XX/XXXX. Well I get my bills via mail and somehow I didn't have my bill due for XXXX so I just paid this amount. Well after I paid my second bill, I happened to look at the bill online and found to my surprise that they had charged me a {$30.00} late fee for my XXXX payment on XX/XX/XXXX. So I called Comenity on XX/XX/XXXX to find out why I was charged the {$30.00} late fee. They said I was charged the late fee due to paying past the XXXX cutoff time. I told them that every other credit card that I have has a XXXX cutoff time on due date. The XXXX cutoff time is usualIy for mail in payments. I told them that I had no idea that the cutoff time was XXXX unlike every other credit card company. The online cutoff time of XXXX is for the convenience of paying online. I asked if I could get a refund on the {$30.00} late fees but the best that they would offer was {$15.00}. I wasn't satisfied with this. Here I am new to this card not knowing this early cutoff time and I'm being charged late fees even though I paid both bills in full. I asked to talk to a supervisor and I got the same result. I'm not happy. Here I am with total charges of {$240.00} for the first XXXX months of this card and I'm paying late fees of {$60.00} or almost $ 25 % penalty. It's just not fair.
Product: Vehicle loan or lease

I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... 
MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. 
PLEASE HELP ME AS SOLVE DOWN