23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I took out a {$1500.00} loan with XXXX XXXX XXXX XXXX. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my credit score. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my credit score drop drastically. I was having a hardship.
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

XXXX XXXX XXXX XXXX
Product: Debt collection

This company called Allstate credit bureau continues to harass me without validation of debt without any notice of the debt without any documentation and I don't know what it is for and they continue to put it on my credit report and try to run my credit report. I've had to go to the length of freezing all of my credit reports as I was a victim of identity theft and I don't know who this is or the company or the debt. They are attempting to say that I over {$10000.00} and fees related to housing during covid when there was a moratorium on rent and during a time I didn't live in Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this account.
Product: Credit card or prepaid card

Someone opened a fraudulent account with my personal information in XX/XX/2019 for the amount of {$720.00}. I sent out documents to credit bureaus with this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed claim of debt owed to a company by name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia Amount claimed to owe is XXXX. I have asked Equifax credit Reporting agency to thoroughly investigate this issue with this creditor. I have never had any financial obligations with the above mentioned company. The address that this creditor has on file, referencing to the billing statement is incorrect. I have never resided at an address listed on the bill. I have asked the creditor to supply me with a copy of the contract to myself as well as to Equifax credit report agency and they have not supplied any proof of verification to the credit report agency or to myself. Equifax has not investigated this issue within the allowable 30 day time period. This issue remains unverified. There is no documentation provided with a written contract to validate the alleged debt owed to XXXX XXXX XXXX.
Product: Debt collection

Today, XXXX XXXX, 2017, I became aware of the fact that Citibank N/A has been contacting my employer about a debt that is owed to them. This contact has occurred despite the fact that a valid phone number is on file with the company and that I have tried to settle the debt ( which I described in a previous CFPB complaint ). Citibank N/A is attempting to retaliate against me by contacting my employer, so as to interfere with my business relationship with a third-party, in violation of federal laws such as the Fair Debt Collection Act. Please contact Citibank N/A, immediately, make them cease and desist. There is no reason for Citibank N/A to contact my employer and I have contacted an attorney, so as to hold the firm responsible for their abusive debt collection practices.
Product: Credit card or prepaid card

On XX/XX/22 there was a new capitol one account opened in my name. I only have one card ND it's a capital one quicksilver card. I really want this looked Into please as this is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished Lexis Nexis, XXXX, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Debt collection

I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years.
Product: Credit card or prepaid card

First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX and during the pandemic during this turbulent I fell behind on my payments do to lost of my employment. I have always made on time payments and called XXXX XXXX  to see if they could work with me during this hard time in our economy. When speaking with the representative I was told that there wasn't anything that they could do even though we were facing a terrible time as a whole in the economy. As a consumer I would think that the company would be more compassionate during these hard times all I was asking is to have the two payments reversed to show positive payment history since I did make the payments and always held good payment history and never late since this was during the pandemic and at that time company 's was under a order to assist their customers that was under a financial strain and this option was not provided by XXXX XXXX. These marks on my consumer report is effecting me from getting a home which is apart of my mode of living and credit worthiness. Please do an investigation on these payments and promptly have them reverse to show in good standing on my consumer report.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, Reported card stolen. did not receive a card untill XX/XX/XXXX. 
XX/XX/XXXX I read the one time use emergency cash, When I recieved the card, the remaining balance was XXXX Dollars. XXXX the customer relations claimed to file a claim giving me # XXXX and stated it would take up to 90 days,. I waited and nothing has come, I read the policy and asked for FDIC number and to make a claim they refued. 
I have received information the transactions were sent and cashed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I called and attempted to speak to hierarchy and they have continued claim was on its way
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on SYNCB/GAPDC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a vehicle from Superior Car Credit XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with Superior Car Credit reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. Superior Car Credit finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. One of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help
Product: Debt collection

This account is not mine. I requested the debt to be validated and the proof sent to me. I have attempted to contact them a few times including certified mail. They never reply and continue to report to my credit report. 


I never received notification of this collection and only discovered this fraudulent account after checking my credit report for accuracy..
Product: Checking or savings account

On XXXX XXXX I sent a check for {$30000.00} to a person in XXXX, XXXX  with the intent of that person cashing the check and forwarding the funds to a currency exchanger in XXXX, XXXX XXXX. The exchanger would forward the funds to the intended person working on a project in XXXX XXXX. The check cleared the issuing bank ( XXXX XXXXXXXX XXXX ). The recipient bank ( Truist Bank, XXXXXXXX XXXX ) for some reason refused to release the funds to the person named on the check. I contacted XXXX XXXX about the problem and they said there was nothing they could do since the check cleared properly. I asked about myself contacting Truist Bank and XXXX said they probably wouldnt talk to me since I wasnt an account holder with Truist. If Truist Bank suspected suspicious activity, then they should return the funds to the issuing bank and ultimately me. Supposedly the bank manager for Truist Bank is refusing to release the funds for whatever reason. What I want is for Truist Bank to release the funds so they could ultimately be forwarded to the currency exchanger in XXXX XXXX. If not return the funds back to XXXX and ultimately back to me. Holding up the funds has caused a desperate situation for the intended person in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i first had my social security card in 2019, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the XXXX XXXX my account isnt mine except which XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. thank you
Product: Credit card

I'm writing to find out how to get Home Depot/Citibank to comply with the Credit Card Act of 2009. They are charging 29.99 % interest on all accounts without any disclosure on the card holder portal that can be found. They are also not engaging in any conversation that would allow for the reduction of this rate, regardless of the card holders FICA scores, credit history, or payment hygiene. 
~~~~ excerpt from the act of 2009 : Interest Rate Reductions If a credit card company can increase your interest rate based on market conditions, your credit score and other factors, it must also consider those factors when deciding whether to lower your interest rate. Card issuers must review such accounts every six months ( at a minimum ). If the factors have changed in the customers favor, the issuer will likely be required to lower the rate. For instance, if your credit score declined and the credit card company increased your interest rate, it must lower it if your score goes back up to its original point. Rates must also be reduced if a penalized customer makes six consecutive on-time payments. ~~~~ We've had an account with this company for XXXX years, and we have extremely good credit ( XXXX ) with a consistent record of over paying on our account. 29.99 % is verging on predatory interest rates and gouging at a minimum. What recourse do we have? Thank you for your time, XXXX XXXX XXXX XXXX
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 XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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

I was contacted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. Regarding two debts which XXXX claimed was assigned to them by LVNV FUNDING- RESURGENT. One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from XXXX XXXX XXXXXXXX XXXX XXXX confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance {$730.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX Balance {$95.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX  Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Student loan

I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I dont know but I see XXXX XXXX XXXX XXXX my credit report and I still see it so I know it should have been removed since XX/XX/year>. But it hasnt and this has become a problem for me when I have my credit report pulled when looking at apartments it has cost me a lot of lost with paying for application fees. I would like it removed with the rest of the one s I have already disputed