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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$4200.00}XX/XX/XXXXXXXX XXXX : {$23000.00} XXXXXX/XX/XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Incorrectly reporting as closed by credit grantor. This account was pad in full and closed at my request. I've made multiple written requests for evidence of the account status for which they have not responded. Please update the status to Paid/Closed by consumer or delete the account in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over XXXX XXXX XXXX and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the Equifax data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.
Product: Student loan

Partially motivated by frustration with the company 's ( Fedloan Servicing ) customer services and also fear that the PSLF would not last 9 years, I decided to consolidate my federal loans with a private company ( XXXX ). Before the consolidation was applied, I made very large payments to my federal loan account. The payments took many weeks to apply and then the consolidation payment was applied to the account. I called several times between the months of XX/XX/XXXX and XX/XX/XXXX to determine when the refund would be processed. Because I made large payments and consolidated, there was an overpayment. I was told it would post in 60 days, then in 90 days. After 90 days, I was told the refund would post " soon. '' Finally, a refund posted to the account of the consolidation loan. The amount was approximately {$10000.00} less than the amount I was owed. I have attached a spreadsheet to document my payments, and also, the amounts in question. I also emailed the company on XX/XX/XXXX and XX/XX/XXXX and the company never responded. Further, the website will not let me access a payment history, so I must use my own bank records.
Product: Credit card

I decided to purchase shoes and clothes for my family from this website called XXXX I deposited {$440.00} so I can order the clothes I wanted I wait for agent to submit orders to vendors then finally they ship out my package after paying over {$200.00} for shipping Once my package arrived in the mail and I unpacked everything I noticed right away these shoes have horrible defects glue stains on midsole the soles themselves are coming apart in two pieces I can see where they begin to separate I check the shirts I was sold I noticed the quality was horrible on this XXXX  T shirt I purchased this pair of XXXX XXXX and I find not only did they ship me the wrong pair I needed a size XXXX and I received a size XXXX men so these are unwearable the rest of shoes are horrible they smell like very stinky glue and I decided to wear one of the shoes around the house and right away the make loud squeaky noises I purchased real XXXX shoes and they definitely dont make that noise I was really upset with this haul the quality on all of the goods I ordered were horrible versions of the real non XXXX  shoes I wanted to return these horrible quality shoes but I read online its a nightmare having to return these shoes Id have to pay another {$200.00} to ship these back to XXXX  and I didnt want to break the law by shipping out fake XXXX  items 18 USC 2320 : Trafficking in XXXX  goods or services. So I decided to open a dispute with my credit card provider chase regarding this I explained my entire situation and chase ended up siding with XXXX saying charge was valid after I explained 1 pair of shoes were missing and 2 T shirts on top of fact these are horrible quality fakes I cant possible wear these shoes in public The glue they used makes a squeaky sound when I tried them in my house this is the first and last time I use XXXX and Im upset with chase dispute process with protecting the customer Im honestly thinking of paying off my statement balance and closing the card if chase is unable to assist in disputes XXXX card is heaven sent when it comes with disputes Im not sure why chase doesnt respect their customers I simply just want my money back for these horrible XXXX goods I purchased I cant ship them back because thats against the law and I would have to pay out of pocket {$200.00} if XXXX wants to provide a label and have XXXX pickup the package because I will not get involved with shipping XXXX  goods out the us Please contact chase regarding this dispute its unfair they just close out the dispute on the customer and side with the merchant Unacceptable
Product: Credit reporting or other personal consumer reports

I contacted Tomo about the credit repair Boost product to improve my credit score. I have never received services and Tomo is advertising services that Tomo knows the company can't provide. When I attempted to resolve the issue Tomo responded that I signed a contract that will not allow for refunds. Tomo is admittingly engaging in gross enrichment and refuses to provide me with a service or a refund. Money was accessed without my permission and stollen from my account after I had cancelled my account. I voiced my concerns the XXXX month after receiving no services in which I was told to continue to pay while I awaited to receive services from Tomo. XXXX  months later XXXX claims I agreed to pay without ANY SERVICE PROVIDED through solicitation by false advertisement.
Product: Credit card

Please see below for an email I sent to Citi re : this issue : Dear Sir or Madam, I am writing because on Friday, XX/XX/year>, I attempted to transfer money from a Citi savings account to my Citi checking account. In error, I transferred the funds from my Thank You XXXX Credit Card to my checking account. Within minutes of this accidental transaction, I contacted Citi cards in an attempt to reverse or unwind this transaction. I was told that nothing could be done until the accidental cash advance posted to my account. 

I waited a few days for the advance to post, and then I noticed that a {$70.00} cash advance fee was charged. Again, I called in to see what Citi could do. I was again told that nothing could be done and that I would have to wait until the {$70.00} charge was in a posted status. I was further told that my only recourse was to wait until after the my statement posted and then make a payment. 

I waited until XX/XX/year> when my statement was issued. Now I notice that in addition to the {$70.00} cash advance fee, approximately {$5.00} of interest was applied to my account. 

The cash advance that I initiated on XX/XX/XXXX was in error, and I immediately attempted to work with Citi to reverse it. However, Citi took no action to help me remedy the situation and now has charged me at least {$75.00} ( I presume interest continues to accrue ). Given the context, these charges and fees are unfair, usurious, and not customer friendly. 

By way of background, I have been a Citi banking customer for 25 years. I have been a credit card customer for approximately 17 years. IXXXX XXXX, I spent nearly {$50000.00} on my Citi cards : transactions from which Citi undoubtedly profited substially from merchant fees. 

In light of my loyalty and the benefits that my business confers on Citi, I would have expected that Citi would have taken some action to assist in unwinding my accidental cash advance. In fact the opposite appears to be true. The accidental cash advance was only possible because I am a loyal Citi customer across several products. If I were to use a XXXX or XXXX credit card, I would have been unable to make the accidental cash advance. 

Because Citi has thus far been unable to assist me, I will be forwarding this letter to the Consumer Financial Protection Bureau and the New York State Department of Financial Services. 

If you are able to assist in remedying this situation, please contact me by email or phone, ( XXXX ) XXXX. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 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 in accurate.
Product: Credit reporting

On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX
Product: Credit card

The Chase credit card online portal has been down for weeks without notice or explanation. As a result, customers are unable to pay their monthly balance and Chase is collecting large amounts of late payments. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting calls every single week from the Capital One Bank to accurate if it is me applying for a new credit card. An important data : I closed my account in XXXX  in the XXXX XXXX  XXXX location. I have never requested anymore service to Capital One Bank. Their website phone is fake because as soon your call is picked up the customer transfers you to a supposed credit customer which take all of your information and amuse you in a long conversation like to get important data from you. It is curious the two times as I called, one in XXXX  services I identified the customer had a XXXX  accent and she confirmed it also and in XXXX, the customer had an XXXX or XXXX accent. I called them in XXXX, in XXXX to complaint but that not worked. I noticed in that conversation with the supposed customer assistant, I asked about which address was being used for that issue, and she told me one of my old and former addresses and I remember when I was still living at that address I used my another bank credit card -not capital one - to buy a XXXX XXXX  to take the subway at the XXXX XXXX station in XXXX and I was notified at XXXX  for my bank because someone else was buying online and getting store members and paying restaurant on behalf of me. That was a damage to my credit which was showing their fake and delinquent acts like I did when was not. 
By certain, yesterday and today I was called from a Capital One Bank customer service phone # XXXX It was blocked by me but they call me again, she left a voice message that I should to complete my application # XXXX or call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, 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. 

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING
REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report.

1. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank keeps reporting a charge off on all three credit bureau since XX/XX/2019 and still reporting today. I have sent in multiple complaints to rectify this situation. This is not my account and I would like for it to be removed. The company states that this is my account and has been verified.
Product: Vehicle loan or lease

I traded in a car in XXXX that I had for a few years and came across a vehicle that I liked. I thought I was going to get a new job and would be getting better pay, but for the past few months I have been struggling to pay my car note.. I understand I had negative equity which made my loan high. My car that I am financing now isn't worth the loan.. I tried to lower my payments with the company but they told me to come in and I can put more money down. It is frustrating because for that I can just make a down payment on my loan. The company does not understand I can't refinance this loan because every company says my car isn't worth the value and the amount ... At the end of the day I feel like I was pressured.. I sent an email in XXXX within the second week to the owner about returning the car but someone emailed me to come in with more money and they can revalue my car which is a waste of time..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX states that they dropped ALL my retail credit card available credit to 95 % utilization because XXXX  shows a credit score of XXXX. I contacted XXXX and according to them they do not run and submit  credit scores to companies without approval from the client. Two. I receive monthly updates from all 3 credit bureaus and I HAVE never had this credit  score. I have called XXXX and they refer me to XXXX. Very interesting tactics. So where do they get credit scores, XXXX, not likely? XXXX XXXX   maybe, and you do realize that XXXX XXXX scores were compromised a few months back. No response from XXXX. No response at all. Nothing. Absolute garbage. This looks like we may have a repetitive pattern from XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from Equifax, XXXX, and XXXX. Also, XXXX  is taking a long time on their Data Hacking Settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and Experian has a security question ( XXXX 's city of birth ) established by the fraudster. 

The problem is particularly acute with Experian. We have attempted to shut down our Experian account and open a new one with new credentials, but Experian has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In XXXX we shut down online accounts with XXXX and XXXX and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through Experian. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX  and XXXX. Both companies alerted us and those accounts have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A . States I 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: Mortgage

I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.