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

I have had this CITI Bank for 5 years with no past due payments. Last month I got a call that I was past due. I advised that I had not received a bill and found out they were now using electronic billing which I do not use. I advised to send me a paper bill and I would pay it. I received a bill and paid the amount due {$320.00} but not the late fees and penalties. I have called twice refusing the penalties. CITI advises there is nothing they can do but send it to collection. I suggested it go to arbitration but they declined. 
At this point they want {$72.00} to stop the harassment which I refuse. 
Any help would be appreciated.
Product: Debt collection

I have tried contacting this company about this account. I have waited and I am realizing I am a victim of identity theft. I realize this violates my consumer rights, I am being penalized and I am not able to get a home for my family because of this looming identity theft. please remove this account from my credit report file. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TO EXPERIAN, XXXX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my EXPERIAN, XXXX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/2022, we notified Bank of America ( by phone ) that we noticed several fraudulent charges on our Checking Account ( ending XXXX ) totaling {$5800.00} ( 7 individual transactions ). We have called everyday since ( 5 separate times ) with no resolution, no credits. Each time we call they have no record of our previous call. Today ( XX/XX/2022 ) that they will investigate over the next 10 days and get back to us. They will not give us any credits until the investigation is over.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX at XXXX MST my XXXX XXXX was towed out of my driveway. I contacted the local police department to report a theft. The police department suggested I contact my bank because the vehicle was being repossessed. The bank I had the loan with was Bank Of The West. I called the number provided and the call was to BMO Harris bank. Up to this point I was not aware the Bank Of The West was bought by BMO. All payments have been made on time from XXXX to XX/XX/XXXX. After speaking to a costumer service representative. They could not locate any information on me. After seven hours of being on the phone I received a call back saying I owed payments from XXXX to XXXX and Tow fees plus late fees. I told them that was incorrect since this was not my fault because I was not informed by BMO that no payments were being made. Finally I received an email from BMO accepting responsibility for their mistake and all I had to pay was what was owed since XXXX. I was informed to go to a BMO bank and pay them a total of {$1900.00}. On XX/XX/XXXX I went to BMO bank to pay and they did not have an account on file for me to pay. They do not have me in BMO system. I paid the money to an account that they created and was able to collect my vehicle from repossessions. I returned back to BMO to find out where my lease agreement is and nobody is able to locate it as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to XXXX and Experian 12 missed or late payments.
Product: Credit reporting or other personal consumer reports

The following inquiries need to be removed from my credit report I kindly request that you investigate these inquiries and remove any that do not comply with credit reporting regulations or that were made without my consent CAPITAL ONE ( Bank ) XX/XX/2024 CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I financed a load through BMW Financial services. When I made my first load payment they had me send the payment to XXXX, AZ. I expected this transaction to take several days to complete, after five days the transaction was not complete so I called BMW FS but got no good answers. I called them again after 6 days and was told my payment had to be transferred to XXXX since it was too large of an amount for XXXX to handle. During this transfer and handling time ( about 6 days ) I was being charged {$2.00} a day ( according to BMW FS ). I  complained to BMW FS to no avail. They only said payment over {$10000.00} had to go to XXXX, but that is not documented on there payment document they send out. I do not think I should be charged interest on the amount that is due to their poor money management policy.
Product: Checking or savings account

A Wells Fargo checking account was opened in my name on XX/XX/2022 and then closed on XX/XX/2022 without my consent for either. I called Wells Fargo and they would not provide me any details on what branch the account was opened at nor what the reasoning for the closure was.
Product: Credit reporting, credit repair services, or other personal consumer reports

While investigating if I was eligible for a loan discharge on a XXXX private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted XXXX right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but XXXX continues to add interest to the account and call incessantly.
Product: Credit reporting or other personal consumer reports

I recently initiated a dispute regarding a tradeline on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that information providers furnish accurate and verifiable data. The specific tradeline in question has been reported as " ND '' ( No Data ) for the past XXXX months by the data furnisher, indicating a prolonged absence of any reported information. In my dispute, I emphasized the FCRA 's requirement for truthful and complete reporting, highlighting that such prolonged non-reporting could inaccurately reflect on my credit history. I have formally requested the data furnisher to either substantiate the accuracy of the reported information or remove the tradeline from my credit report to ensure compliance with FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report do not belong to me and are hurting me. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I was looking up my credit. I have 3 cards that I or my fianc never opened. 2 capital one cards. That I never gave permission to anyone to open any credit cards in my name. The cards in my name that I did not open are XXXX XXXX XXXX. I even disputed the withdrawal in my checking account. I never opened this card, dont own this card, no one never had my permission to open this card. The 2 capital one cards. I disputed payments coming out of my account. I do not want any charge cards in my name. I pay for cash in everything. Everything I own, has been paid in cash. I also realized I have XXXX XXXX  Again I never gave anyone permission to open any cards in my name. I have XXXX XXXX XXXX XXXX XXXX. Everything else never had my permission XXXX, 2 capital one, XXXX XXXX XXXX
Product: Debt collection

I only got aware of it when I received a notification from the credit reporting agencies of an adversary action. The company filed a collection notice for {$96.00}. I never received any correspondence from the original creditor of an open balance nor received any notice from the collection agency about the debt. I called the collection agency and asked the to send me proof and ALL correspondence including any signed contracts and proof that this was indeed signed and created by me. The agency just keeps disconnecting the phone when I ask for the information and has never sent me any mail to my home. This negative reporting has effected my credit which in turn has caused me financial harm with higher interest rates and declination of further credit.
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 {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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: Debt collection

I received a letter from Professional Credit Analysts of Minnesota ( PCA ). The letter tells me that I have failed to make arrangements on Acct # XXXX for XXXX XXXX XXXX with a balance of {$950.00}. The letter asks me if I would agree to a voluntary wage assignment. 

I have no accounts with XXXX XXXX XXXX  XXXX XXXX MN. I asked what the loan was for and proof of my signature. They told me they would have to " request '' this information. 

PCA said that my SSN and birthdate were on this loan. I have asked them for proof of the loan and proof of my signature on this loan. 

What if someone received this letter and didn't know their rights? They'd automatically pay this. Who does this to someone? 

When I got off the phone with PCA I called XXXX XXXX XXXX XXXX XXXX MN and they told me they have no accounts for " XXXX XXXX. '' How did my name, SSN and birthday get attached to this loan and why is PCA saying I owe this money and asking me to agree to a voluntary wage assignment?
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX and noticed my personal information was incorrect. I had multiple variations of my first name and last name and my address. i sent a letter to experian, XXXX, and XXXX on XX/XX/XXXX to investigate this but they still haven't fixed the problem. 


I dont know what to do. Can you look into this matter. 

Remove my personal information.
Product: Debt collection

NOTE : My complaint, which while I consider as concerning a false statement, is not covered in the sub-sections below it. 
Syndicated Office Systems, XXXX dba Central Financial Control, is still reporting the the credit bureaus that an account ( debt of {$200.00} ) dating back to XXXX is still open despite it being included in a Chapter XXXX bankruptcy ( XXXX XXXX ). Central Financial Control is still 'updating ' this account and showing it as open ( last reported XXXX/XXXX/XXXX ) in its reporting to the credit bureaus. I have written multiple times requesting that the account should be reported as 'closed ', but they have refused to do so, and instead now show the account info as 'disputed '. The original account is not in dispute, nor have I ever disputed it. The only thing I am disputing is that it is an 'open ' account with an associated negative credit report comment, that they are still supposedly reporting on. 
Their reporting to the bureaus is incorrect and is negatively affecting my credit with all the financial penalties ( higher interest etc. ) that it entails. I worked hard to bring my score up, only to have this inaccurate negative comment on my file.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Mailed in disputes certified to Experian and XXXX pertaining to 3 delinquent XXXX XXXX  accounts and 3 collection accounts. I did a follow up call on XX/XX/year> to the bureaus to see what dates my disputes may have been opened, to my surprise the bureaus claimed they had not received the certified package I explained that I had tracking and the letters had been delivered I was then placed on hold and now they were able to find them but had not opened any disputes as of yet so I was forced to open them at that time over the phone. I ask that all 3 XXXX XXXX  accounts be updated and verified for completeness and accuracy, updated balance, accurate payment schedule, original date of first delinquency, creditor contact information, borrower information none of these request have been met. Next the 3 Collection accounts, 2 of them being from XXXX XXXX XXXX and 1 from XXXX XXXX XXXX, all 3 of these accounts show they were open during XXXX, 2 of them are showing opening dates of when I was in the hospital with XXXX so there is a good possibility they are not mine, I requested original opening dates, original delinquency dates, assignment of debt, chain of title, forward flow agreement and copy of original creditor contract
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Student loan

On XX/XX/XXXX Nelnet customer service sent a changed update to my deleted student loan after my student loan complaint had been notarized by my bank XXXX XXXX XXXX I disputed and had this student loan with University XXXX XXXX confirmed paid in full and removed after seven years ago. It was not signature forged issues and Nelnet did not get caught trying to say I had signature forged as a identity theft claim. The XXXX Federal Education Loan Program confirmed by representative XXXX was no longer owed to Nelnet that bill was removed that I agreed to on audit electronic signed XX/XX/XXXX. This still caused Nelnet to want some kind of forged signature notarized issue from me or appeal a denied identity theft claim submitted and on their recorded line they stated takes thirty days and would process no sooner than at least fifteen minimum days and they illegally authorized a XX/XX/XXXX and XX/XX/XXXX electronic letter from Nelnet customer service team. I want this student loan removed because they illegally authorized it to me on XX/XX/XXXX I already switch my enrollment to XXXX University to keep from being billed by the University XXXX XXXX. The FTC filed a report against Nelnet that was mailed to them from student loan error caused to me after I disputed Nelnet account student loan XXXX acccount with their company for over seven years. Nelnet supervisor explained to me to get a lawyer to have this loan removed and that the University XXXX XXXX never reported I disputed and had it removed and XXXX the financial aid department confirmed to Nelnet XXXX that I did not owe FFELP student loan I agreed to it was not on file the Nelnet supervisor lied and so I am sending over this CFPB because I never said that it was being scammed by signature issues and would like it removed due to even those reporting errors Nelnet caused me in XXXX after my dispute was accepted by fair credit reporting act and equifax been removed this nelnet account and XXXX disputed Nelnet reporting errors because I did not owe Nelnet anymore payment arrangement and income driven payments I want a letter from Nelnet collection department that it removed from disputing I did not change from a deleted student loan request for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps reporting accounts on my credit report that do not belong to me. I keep disputing with the XXXX company directly as well as with the credit bureaus XXXX, Experian and XXXX keeps reporting saying the information was verified and They can't tell me how they verified he information XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX account beginning with 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.