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

Hi there. I checked my FICO score through my bank, XXXX XXXX. Upon reviewing the details of my score, I found that a XXXX XXXX XXXX with a credit limit of {$500.00} was on my account as an authorized user. However, I have no knowledge of this account, nor have I used the credit and made payments on it. Check the details of my bank account and you will see I have never made a payment to this card. I have never done business with any other bank besides XXXX XXXX. I have disputed this with Experian but resulted in correct information. However, this is incorrect because I do not have any information on this card or was aware of it in the first place. I have contacted XXXX to find information on this account but because I do not have an ounce of information, I can not find out who put me as their authorized user. I only have one credit card in possession and that is my XXXX XXXX credit card, thats it.
Product: Debt collection

The XXXX group has attempted to collect a debt from me that I do n't owe. I never established a contract with this company, furthermore I feel like they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report.
Product: Debt or credit management

In XXXX '' or the beginning of XXXX '' I received emails and phone calls from Lexington Law Firm stating that if I paid a fee up front and a monthly fee the following months that they would be able to get all the junk off my 3 credit files and help raside my credit score. Which did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/2008 Balance : {$2900.00} XXXX XXXX XX/XX/2008 Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I submitted a complaint about Experian not investigating account on my credit report and they responded to you all and said they were still investigating the account just for them not to and respond by saying they updated my information. which I did ask for I have documents that show inaccurate dates on this account which should cause for a removal. If they cant do their job I will be filing a law suit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following accounts block and remove it please AND If I received goods and services please have a senior executive certify under the penalty of perjury that i have in fact received goods and services as a results of this transaction, i have attached an FTC REPORT, A NOTARIZED FTC AFFIDAVIT AS WELL AS MY ID
Product: Credit card or prepaid card

When choosing a credit card, security is a major priority. Having a card you know will respect your service as a customer is one of the most important things to look for in any credit card company. 


Citi Diamond Perfefed XXXX XXXX unfortunately can care less about their customers. I will never recommend this card to anyone. We were scammed out of {$4000.00} by a fake marketing company that did not provide any services for us. The company fought back by sending in a proof of payment ( obviously we paid them, thats the problem! ) and Citi bank took their word for it over their own customer and gave them back 4K!!!! When we called the representative apologized and told us to send in a proof of cancelation letter. 

We reached out to the company many times begging for this letter and they refused to send it to us. When we finally got a hold of the letter, we sent it in immediately. By the time we submitted it the due date for the letter was past due according to them, but the representative said there would be nothing to worry about since we were in constant communication with Citi.

Its been almost two months and we still do not have our money back. They actually gave the money back to the scam company and when I called to speak to a supervisor today they said the time is up for this dispute. Ridiculous!! I will never trust CITI OR XXXX ever again!!! We are loyal customers and they allowed a fake marketing company to just steal our money.
Product: Checking or savings account

Two transactions appeared on my bank statement from XXXX XXXX XXXX in XXXX XXXX, Ok. The first on XX/XX/XXXX for {$30.00} and the second on XX/XX/XXXX for {$35.00}. I have never been to this establishment. I have lived in XXXX XXXX my entire life and would know if I had shopped there. I reported both transactions to BMO, my banking institution. They immediately issued me a new debit card which I began to use. However, they did not refund any money to me and told me their research determined that I had to be present with my card and pin for the transactions in question. I immediately set up alerts on both my debit and credit cards so that I could monitor all transactions going forward. Fast forward to XX/XX/XXXX, when I noticed another transaction on my bank statement at XXXX XXXX XXXX for {$42.00}. This happened after having received a new debit card. However, I did not receive a transaction alert when this purchase took place, even though I had set that up on my account. I only noticed it while reviewing my statement, which I do regularly. I immediately notified BMO, disputed the charge and received a new debit card. I find it odd that the same problem has occureed at the same merchant in such a short time. As I stated earlier, I have never been to XXXX XXXX XXXX. I suspect I am using my card somewhere a skimmer is installed. I don't know why this has now happened 3 times in total at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not understanding why the word our is capitalized on the dispute results. I chose the best categories for the dispute.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. I have fraudulent accounts on my credit report. I have disputed and provided all the credit bureau with all the necessary documents they needed. They all responded back saying that the fraudulent accounts were verified with no proof. Please delete all these accounts immediately. 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness.

Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information.

Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Mortgage

I submitted a request for loss mitigation options on XXXX/XXXX/XX/XX/2015 My authorized 3rd party left several messages for follow up to confirm documents received and the authorized agent XXXX XXXX would not return calls. Finally when he was reached on XXXX/XXXX/XX/XX/2015 on a recorded line he stated that they refused to review the documents because it was received XXXX days prior to a sale date. He refused to send anything in writing stating this. Please help. I was never notified of the last day for loss mitigation options in writing nor verbal. PLEASE HELP!
Product: Credit card or prepaid card

I WAS GOING THRU MY INFORMATION FOR TAXES AND SAW A CHARGE FOR {$4000.00} ON MY CREDIT CARD # XXXX XXXX XXXX XXXX  ON XX/XX/16  CHARGED BY XXXX XXXX. I CALLED CHASE AS SOON AS I FOUND THIS CHARGE I SPOKE WITH THE FRAUD DEPARTMENT HER NAME WAS XXXX  THEY SAID THEY WERE CREDITING MY ACCOUNT AND OVERNIGHTING A NEW CARD. ONCE I GOT THE CARD THE CREDIT WAS THERE, BUT AFTER ABOUT A WEEK I GOT A CALL FROM AN INVESTIGATOR NAMED XXXX AT PHONE NUMBER XXXX   EXTXXXX SAYING THAT THEY WERE REVERSING THE CREDIT BECAUSE THEY HAD MY SIGNATURE ON THE PURCHASE I EXPLAINED THAT IT WASNT MY SIGNATURE, AND THAT I DIDNT DO BUISNESS WITH THIS COMPANY! I GOT OF THE PHONE AND CALLED MY NIECE WHO HELPS ME WITH THINGS LIKE THIS AND WE CALLED THE WOMAN BACK AND NO ONE HAS HELPED ME! I AM RECOVERING FROM XXXX XXXX XXXX XXXX AND CAN NOT HANDLE THIS STRESS! NOT TO MENTION I AM ON XXXX FOR THE LAST 6 YEARS! I AM UNABLE TO WORK AND AM ON A FIXED INCOME WHAT THEY HAVE DONE TO ME IS NOT OK! I DID NOT SIGN ANYTHING AND NEVER GAVE ANYONE PERMISSION TO USE MY CARD! HOW COULD THEY TREAT A SENOIR CITIZEN IN THIS WAY!
Product: Credit reporting or other personal consumer reports

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from XXXX to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXXXXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXXXXXX XXXX inaccurate credit reporting continues to negatively impact my creditworthiness.
Product: Mortgage

I have a mortgage equity loan with PNC Bank. I had a 60 day late payment put on my credit report in XXXX of this XXXX. I had been attempting to make the payment and dropping the payment in the night deposit as i do not have any other type of account with them. They were also transitioning all of the accounts do different account numbers at the same time, for what reason i have no idea. So i had written my old account number on the attempted payment. They did not attempt to cross reference the account numbers or anything and instead just held onto my payment. I did not realize this until almost two weeks later when i received something in the mail stating that no payment had been made. Again i do not have online access since i do not have any other type of account with them. I am just trying to get this 60 day late dropped to a 30 day late because of the obvious and strange circumstances that occured during this period of time. I am not current on this account but this obviously affects other credit items with me.
Product: Mortgage

I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. 

I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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: Checking or savings account

On XX/XX/XXXX, I received a fraud alert text message which I responded no to. I was then contacted by someone from a TD bank number according to my caller id and went through steps canceling my compromised card being instructed on how the funds were going to transferred for safety ( through XXXX XXXX ) and in XXXX separate transactions a total of {$1400.00} was taken from my account. ( {$700.00} and {$750.00} ) as this was happening I realized that this was an unusual way to correct the problem and when I stated it to the caller was promptly hung up on. I was admittedly distracted by a task I was doing and just following the instructions of the caller which I thought was from TD bank on a routine call. 
After they hung up, with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank, opened a new bank account, and was informed that TD would be monitoring the compromised account for XXXX  days. Was informed that the scammers had accessed my bank account and changed my password That Wednesday my account was credited with a provisional credit. Approximately XXXX weeks later the provisional credit was rescinded and when I contacted the bank they informed me that they concluded there was no fraud because I authorized the transaction where my money was stolen. I then opened another dispute on the fraud and included proof of the text fraud alerts, the incoming calls from the scammer alleging they were calling from TD bank, the transactions that transferred the funds to XXXX separate XXXX XXXX accounts and the proof that those funds with immediately transferred out of XXXX XXXX to some unknown account. All of which I provided to the bank, both directly by physically giving them a copy and by faxing a copy of this information. Once again they denied my claim that this was fraud and rescinded the provisional credit. At this point I was so angry and frustrated I did not attempt to argue with the bank because clearly they were not in agreement with me that I had been the victim of a fraud scam. Last night on XXXX XXXX XXXX I watched a segment that highlighted a person that was scammed in the exact same way that I had been and reasserted my options, which said to file a dispute with you
Product: Payday loan, title loan, or personal loan

have an payday loan that i didnt apply for also have had it removed from my report before and it has reapeared on my account need it removed. Blinc loans XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX  with no successful resolution. XXXX  and TransUnion only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
Product: Credit card

I first called back in XXXX to get my chase freedom card replaced, answered all the questions and they overnighted me a new one. Next day I get the new one it doesn't work. 
I called back and get sent to the fraud department was told that they closed the account do to fraud. The other day I called them back In XX/XX/XXXX because I am having trouble with someone stealing my identity. Was told that they closed the original account, and they reopened it on a new account number, and issued the card to the account owner well they never issued me the new card only told me that they closed my account do to fraud. Now they say I don't have a card with them but there system says I do when it askes for my information
Product: Credit reporting or other personal consumer reports

the company XXXX XXXX XXXX  offered loan suspension because of a hurricane Then XXXX XXXX offered a loan modification. 
they never gave an exact due date but told me to start the process about 30 day before the suspension was up approx XX/XX/XXXX which i did and submitted documents around XX/XX/XXXX. 
XXXX XXXX said I would not have negative reporting and this included during the modification process. 
XXXX XXXX called and sent mail to me several times during the 90 day suspension to say I was behind on payments and every time I called them back to discuss any issues they said it was a standard call or mail and " to ignore it '' not to worry about it. 
while in the process of loan modification they reported me to 3 credit agency 's as late on XX/XX/XXXX XXXX i received no mail or call warning of this. this dropped my credit from XXXX to XXXX. They also continued to request documents from my loan modification, but I was forced to get a loan to pay off the late payments in order to stop negative reporting even though I was in the loan modification process, which took them almost 3 months to complete. Then, once complete, they told me I did not qualify for loan modification because my loan was current. So they offered suspension due to hurricane and a modification but negatively reported on my while in middle on the process over many months i asked for return calls but 80 % of the time i never got a call back when they said they would. I had to continue to follow up. If they would have told me they would negatively report me while in a loan modification process I would have handle this differently. 
i asked for the recording of all calls but they refused. 

XXXX XXXX XXXX  is a predatory bank. I never got a loan from them, and my loan was sold without my knowledge to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice some fraudulent accounts .Please remove these accounts they are hurting my ability to obtain credit