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

Citibank has sold my information to a third party without my express written consent. 
The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.
Product: Credit reporting

My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete credit information that you have reported on my credit profile. It is distressing to find the following information included in my credit report, especially when it fails to meet the standards of accuracy mandated by credit reporting laws. 

The following items are reported inaccurately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Note : This account was paid and never late. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Note : Please remove XXXX. 

Inquiry from XXXX XXXX XXXX, XXXX XXXX, SD XXXX Date : XX/XX/XXXX Note : Please remove this inquiry. 

I respectfully request proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Without such documentation, I insist that the item be promptly deleted from my credit report. This information is not only inaccurate and incomplete, but also seriously misrepresents my credit history. 

Furthermore, I request that you supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, I require the name, address, and telephone number of each credit grantor or other subscriber associated with the disputed items. 

Under federal law, I understand that I have thirty ( 30 ) days to complete your reinvestigation. I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Experian was notified of unauthorized inquiries that were reporting on my credit report in a letter that was dated, and time stamped ( enclosed ). After 3 months these inquiries still persist. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Your agency is in violation, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have attached the invoice for the violations and the payment is to be remitted to the address on the invoice within 10 days along with the removal of the inquiries below : XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
Product: Debt collection

There is significant threat. Debt collectors and identity thieves called my number [ automated ] and requested that I call their number. It is collection method and typical corruption. I suspect securities fraud/organized crime which has some behaviors and/or actions of insider trading or tax evasion. As a reminder., the call came in exactly at XXXX on XXXX XXXX, 2016. Never forget that someone [ who bribed agents ] got away with the same kind of evasion on XXXX XXXX, 2016. You remember? That is or exceeds {$680.00} XXXX in discrimination/extortion damage. I might contact the Do Not Call Registry if my suspicions or dislike to the FTC counselors would not totally XXXX [ procurement ].
Product: Mortgage

Processed required information to move from a regular monthly payment to a discounted, semimonthly payment to automatically be withdrawn on the XXXX  and XXXX  XXXX  of each month. I paid {$4000.00} to initiate the program. That arrangement was initiated on approximately XXXX XX/XX/XXXX. 

Three months later I was notified that I was three months behind on payments again. I contacted AmeriHome again, and they admitted that things were in order, and it should have begun, but I would have to pay another {$4000.00}, which included a late fee. Also, I had to complete the paperwork again. I did as directed. That was approximately XXXX XX/XX/XXXX. Being as it was their mistake, I asked that I be granted a refund of the late fees and was told I would have to send an email with that request. An email was sent to AmerHome that day. Now, almost eight months later I have still received no response. 

In XXXX, XXXX, due to a change in fee structures at my bank I was forced to change the account form which my house payments were being made. I immediately notified all of my utility companies and Amerihome of the account change. I was told to fax a form from their online items. I did so immediately. 

Now, XXXX XX/XX/XXXX I received a letter stating that I am behind again. I called Amerihome to see why the process did not continue. I called them on XXXX XX/XX/XXXX at XXXX and was on hold for 13 minutes and 43 seconds. I was disconnected and called back at XXXX and was on hold for 14 minutes and 28 seconds. When I finally spoke to someone I asked to speak to a supervisor. None were available and I was told I would contacted XXXX, XXXX XX/XX/XXXX. I was not contacted. 

I called again XXXX, XXXX XX/XX/XXXX at XXXX was on hold for 16 minutes and 28 seconds. Upon speaking to an agent I asked to  speak to a supervisor, but none were available as it is their protocol to arrange for a supervisor to call back. I was assured it would be with in the next eight business hours. Again, no return call. 

Incidentally, I am currently on hold with them again now, XXXX XX/XX/XXXX. This call was initiated XXXX and I have been on hold for 21 minutes and counting.
Product: Credit card

I was misled by lack of clarity concerning the XXXX credit cards sign-up bonus. Apparently Capital One only gives the {$200.00} bonus to certain customers over a certain credit score threshold but practically no other company does this, making it a questionable moral practice. It is like a rug-pull in which I was not accepted to get the {$200.00} spending bonus. I spent the {$500.00} within 3 months and only realized after, and at this point the damage was done as I had done the spending ( opportunity cost, better % on other cards ) and my credit had been pulled pointlessly. I opened the card 2023 in XXXX or XXXX.
Product: Mortgage

my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help
Product: Credit card

On XXXX XXXX 2023, I booked an online reservation at XXXX XXXX in XXXX using my Chase card. A few hours later I received a text message from Chase saying that the charge did not go through and " you will not be charged unless the purchase is attempted again. '' The next day, due to weather and because I got XXXX, I had to cancel my vacation. Given that Chase clearly stated the transaction was declined, I knew I didn't need to call the hotel to " cancel ' since nothing had been charged. 

Several weeks later, my credit card statement showed that I HAD, in fact, been charged. I called the hotel to get a refund since I never stayed there, and they would not refund me. 

But ultimately, Chase is accountable for this : Their text message clearly indicated that the transaction was declined and would not be charged again unless I attempted. Since I did not make a 2nd attempt, why was my card charged? Chase should not have let the hotel charge my card an additional time without my authorization.
Product: Debt collection

The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.
Product: Credit card

I was trying to purchase an apple watch  online back in XXXX ; however, my daughter found a cheaper watch while I was on the phone with customer service rep for Apple Store Online. I cancelled my order before I got off the phone. So, to my knowledge everything was ok back in XXXX I notice my Apple XXXX Card / Goldman Sachs there was unknown monthly installment plan for a watch that I cancelled. I called Apple Store Online customer service, and they could not find my order or tracking number. Goldman Sachs cancel my claim because I could not show proof, I returned order. How can I should proof if I never received an order. Apple online store could not find the item number or proof of delivery so how I could I. This is horrible I want my money back. Apple can see all of devices and I do not have a apple watch order online from Apple, I have a apple watch from XXXX XXXX XXXX thats why I canceled my order, I got a better deal so thats why I cancel.
Product: Credit card or prepaid card

There is a missing deposit on my accounr. My employer, XXXX XXXX XXXX has been depositing into this account for many years. Since XX/XX/XXXX they have deposited every 2 weeks with not an issue and several times after this missing deposit. 

On XX/XX/XXXX my employer deposited {$3300.00} which has not reached my account nor has been returned. This deposit was traced ( trace number XXXX ). 

Since then I provided Net Spend with attached to show from my employers bank the transaction yet Net Spend is saying they can not locate this deposit. 

I am at a loss that in XXXX with everything digitally tracked that this deposit can not be found or traced to see exactly where it ended up and have it returned. 

I am filing a complaint everywhere because I am at a loss as to what help can be provided to me or help to find out where this money is.
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 XXXX Account number : 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 inaccurate.
Product: Debt collection

A debt collector contacted me for a debt from credit card companies that I do not owe due to identity theft and I told them do not contact me anymore for this debt. This debt company decided to be more resilient by contacting and sending someone to my place of work with no success. They also came to my home knocking at my door several times when I was not home and then ask my neighbor if she can signed a paper on my behalf since I was not home. My neighbor refused and notified me by phone. This is a violation and trespassing at my home and place of employment
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Debt collection

I have recently been made aware on XX/XX/2021 that MERCHANTS CREDIT GUIDE CO. has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the Massachusetts XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXXXXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

US Bank XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX they said i ought XXXX i never had that bank and even that money they stole my identity
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately.
Product: Debt collection

Calling family member 's mobile numbers and asking to speak with me. This company has my phone number and I have asked them to stop calling. I have stopped answering their phone calls. They have called multiple times a week but no less than once a month.
Product: Credit reporting or other personal consumer reports

A fraudulent report of a collections account was placed on my Transunion report. I have already reported this to XXXX and XXXX, but this fraudulent account was not yet reflected on my Transunion credit report. Fortunately, XXXX has already removed this from my account, but it is essential that it is removed from all credit reporting, as this is not a valid report, and it is severely impacting my credit, which is unjust. 

A collection agency called " XXXX, '' put a fraudulent claim from " Original creditor XXXX XXXX XXXX '' on my credit account. I have already confirmed with the registrar at XXXX that no debt was owed. I hold a XXXX. from XXXX XXXX, an XXXX from XXXX XXXX an XXXX. from the XXXX XXXX XXXXXXXX, and a XXXX XXXX from XXXX XXXX XXXX and I have never had an unpaid balance on my education accounts. This should provide context for my creditworthiness. I am also a XXXX XXXX XXXX XXXX XXXX XXXX  There is absolutely no way that I would have an unpaid balance for a course. Moreover, the fraudulent claim in question is only for {$120.00}, which is less than the cost of a single credit hour. As such, it does not require much inquiry to identify this as an invalid/fraudulent report. Before this randomly appeared on my credit report, I had never heard of " XXXX. '' They have not contacted me, or offered an opportunity to contest this inaccurate claim. 

This significantly impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. As a XXXX XXXX XXXX ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for XXXX XXXX  XXXX semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " XXXX '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is ostensibly unjust and illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is showing a balance of {$54.00} with The XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.