23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all 3 major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all 3 bureaus. 

However, my complaint is that TransUnion said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Transunion investigating and ascertaining the matter they said my investigation was complete ... ... they said Inquiries are a factual record of file access??? 
My point is what was the reason of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the FRAUDULENT inquires and FRAUDULENT DATA be removed from my credit report and history Inquires XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquires XXXX XX/XX/XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Inquires Fair XXXX via my Fico XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX Remove Address XXXX, XXXX, CA XXXX Requested fraudulent residence be removed already on XX/XX/XXXX and XX/XX/XXXX Remove Employment XXXX Requested fraudulent employment be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit card

1, The credit card Diamond xxxx XXXX does not expire until XX/XX/year>, but already has a new number, purchases declined 2. The new card was first sent 2-3 months ago, never received -THE USUAL STORY WITH THE CITI BANK, EACH TIME SAME, Requested that a new card be send to me directly to XXXX, via XXXX, instead XXXX it was allegedly mailed again, to my XXXX address, IN THE ACCOUNT, THE NEW CARD IS MARKED AGAIN AS OUT FOR DELIVERY XXXX, XXXX XXXX- but, as usual, no tracking information and nobody received it, DEMAND THAT IT BE SENT TO ME IN XXXX VIA XXXX XXXX XXXX  XXXX, IMMEDIATELY, 3, Dispute about the XXXX  purchase was filed on line, with detailed explanation of what happened to one item and my email to XXXX attached as evidence, For THREE days I have been bombarded by the notifications of some mail in my mailbox on the Citi web site XXXX Well, finally, they uploaded that letter today, BUT IN THE ACCOUNT THAT BELONGS TO THE ONE OF THE CARDS THEY ALLEGEDLY MAILED, Finally I found it, So, they issued a conditional credit and want me to mail them a letter with the informaiton they have alredy received - DEFECTIVE AND UNUSABLE ITEM- the XXXX, which is supposed to arrive with XXXX  but did not have one, which makes it unusable, and unreturnable, as I am in XXXX and it would cost me as much as the XXXX  itself to ship it from XXXX to XXXX and then another {$25.00} to ship the dress to me,, NOT ONLY CITI XXXX CONSISTENTLY REFUSES TO READ,, they, knowiing that I am in XXXX, ask me to MAIL THEM THE LETTER WITH THE INFORMATION THEY ALREADY HAVE, 4, FOR FIVE YEARS, I have been asking Citi to please change the method of sending their confirmation codes from a phone call to SMS send to the same phone, I have written to the XXXX, to the Executive Service, again and again, explaiing, that, whe I am in XXXX, I can not receive their codes send via phone and demanding " press o, I,, 2, 3 '' I can hear the messages, but I can not make phone calls to XXXX/ XXXX  WHY OTHER CREDIT CARDS GIVE AN OPTION OF SENDING TEXT MESSAGES, BUT CITI, WHO ALSO HAVE IT, REFUSE TO MAKE IT AVAILABLE? TO MAKE LIFE AS INCONVENIENT AS POSSIBLE FOR THE CUSTOMERS, WHO THEY CHARGE XXXX XXXX  PLUS interest rate, refusing to lower it to a saner interest rate??? 
5, Citi has been pushing on me their wonderful personal loa option, refusing, to give me access to the information about that loan, because they want me, to confirm my identity via telephone, Supplying them with the travel notice, as their incompetent XXXX suggested, did not help a bit,
Product: Payday loan, title loan, or personal loan

I was charged additional charges to my XXXX XXXX account.In XXXX XXXX I have opted out of a {$79.00} monthly payment to a XXXX payment. Well on my money lion app online it changed but they continued to charge me {$79.00}. Which came back returned check fee for XXXX each for five straight months into I stopped payment attempted on XXXX XXXX 2019
Product: Credit reporting

I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that XXXX and Equifax and XXXX XXXX XXXX  conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # 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 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 requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.
Product: Credit reporting or other personal consumer reports

I RECEIVED   HARDSHIP PROGRAM MADE PAYMENTS ON TIME BUT HEY STILL REPORT ME AS 30 DAYS 60DAYS AND 90 DAYS LATE WHEN I MADE MY HARDSHIP PAYMENTS ON TIME 

THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Bottom Line Upfront : I respectfully request the CFPBs assistance in obtaining detailed historical transaction records for all the student loans I co-signed, which are currently serviced by Firstmark Services. I believe there is a significant discrepancy in the balance of the student loans I co-signed, currently serviced by Firstmark Services. My records indicate a notable difference compared to the balance reported by Firstmark Services, raising concerns about the accuracy of the account. Furthermore, abrupt and unexplained changes in the account balance, without any indication of transactions or causes for the increases, raise serious concerns about the accuracy of the account history. 

Context : I have formally requested detailed historical transaction records from Firstmark Services for all student loans I co-signed. Despite making this request weeks ago, I have not received the requested information. Each time I contact Firstmark Services to follow up, I am informed that the lender is backlogged due to a high volume of complaints and requests after recently taking over student loan servicing from XXXX. And for this reason, can not provide any further information at this time, regarding expected time frame and/or resolution.

Issue : When attempting to access historical payment information via the Firstmark Services website, I encountered several issues : 1. Confusing and Incomplete Data : The data format does not provide clear tracking for each individual loan. All transactions appear under a single account identifier, making it impossible to differentiate and track individual loan histories. 
2. Inconsistencies in Balances : On the payment history, one entry shows a balance of {$0.00} ( line 11 ), but the very next transaction indicates an increased balance of {$4700.00} with no explanation.

The first line of the account ledger shows a balance of - {$1.00}, which is misleading as the current account balance is reported as {$4900.00} ( as of XX/XX/year> ). These inconsistencies have no clear justification, even though they are for the same account identifier.

Given these discrepancies and the lack of transparency, I am formally requesting : 1. Complete Historical Transaction Records : A detailed account of transactions for all loans I co-signed, dating back to their origination.

2. Individual Loan Identification : A breakdown of transactions for each loan under separate account numbers or identifiers.

3. Transparent and Clear Formatting : A comprehensive report that is easily understandable, including : Account number/identifier Transaction date Transaction/payment amount Amounts applied to principal, interest, and fees Running balance after each transaction
Product: Credit card or prepaid card

I have a balance transfer made on my Citi double cash card because of a 0 % offer that last till XX/XX/XXXX. I have been making just the minimum payments of the amount of {$25.00} for a few months and then I made a purchase for {$500.00} on XX/XX/XXXX and made a payment subsequently for the same amount before the statement period ended. I was charged a minimum interest charge of {$.00} even though I paid the purchase balance in full before closing date. I contacted the rep from XXXX and the rep could not figure out why I was charge this fee and so I was given a reversal credit for that amount. Now I continued to make purchase for the amount of {$1100.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX, made a purchase for the amount of {$25.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX. This is all before closing date. The statement comes and I have been charged {$1.00} in interest charges. Contacted a Rep and was told this can not be reversed and was told I had a purchase balance of XXXX and only paid {$1100.00} even though I made purchases of {$1100.00} and paid that in full plus the minimum amount that pay every month. I told them that this is fraud and explained the math did not add up and I did not owe them {$1300.00} in purchases but {$1100.00} and paid in full before the statement end. This repeated pattern of where they bogusly charge an interest fee where they shouldn't I find to be fraudulent. A full investigation of their practice of such fees has to be done. An average person probably would not even take notice of a small interest fee but it adds up.
Product: Credit card

Hi, I was travelling to XXXX for vacation. I lost my credit card during my travel to XXXX on XXXX. There were fraud transactions worth {$500.00} which I had to dispute with Bank of America. 
Details of transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$3.00} XXXX XXXX XXXX {$7.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$43.00} XXXX XXXX XXXX XXXX {$5.00} XXXX XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$16.00} All the above purchases were not made by me. I also reported my card as lost/ stolen to bofa . Initially BOFA issued me temporary credit but then denied my claim saying they feel transactions are valid and system did not report anything fraud to them. I told them that I did not perform those transactions and card got lost/ stolen. They don't have proof of denial they said they are valid and they are unable to pay they have no proof to show those transactions are done by me ( when I did not do ). I need your help from BOFA for thorough investigation and help with proof if they think transactions are valid.
Product: Payday loan, title loan, or personal loan

10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX  1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit card or prepaid card

I applied and was approved for a Discover card. Once I received my card and activated it, I was contacted by a department in Discover called account verification. They requesting additional information regarding my account and my account was put on hold. A few days later, I received an email stating they were closing my account because they couldnt verify my information. 
I never used the discover card and now I have a balance and they are reporting me as 30 days late on my credit report. 
To my knowledge my account was on hold then closed, at no time in between was there a chance for me to use the card. 
I called several times to try and resolve this with Discover as they said I was responsible for the charges although I didnt make them. I explained that they were the ones who put the hold and closed my account before I even got a chance to use the card. 
I never used my Discover card to make purchases. Discover is unfairly and inaccurately reporting to the credit bureaus.
Product: Vehicle loan or lease

I RECEIVED A LETTER IN XXXX REGARDING THE WELLS FARGO CPI CLASS ACTION SUIT. I HAVE A TRACKING NUMBER AND CALLED ONE TIME A MONTH SINCE XXXX AND ALWAYS GET A SCRIPTED RESPONSE FROM THE PERSON THAT ANSWERS. I HAVE NO IDEA WHAT IS GOING ON OR WHEN TO EXPECT ANY ANSWERS. I AM VERY FRUSTRATED AND DON'T KNOW WHAT ELSE TO DO.
Product: Debt collection

Conns home plus has called me 21 times in two days. They have Emailed me and sent me text messages as well. This is a clear violation of the 7 in 7 rule. A creditor can not contact an account holder no more that 7 times in 7 days between the hours of XXXX and XXXX. I am aware of what I owe and efforts are being made to catch up missed payments but harassment will not be tolerated. The calls must stop or I will be forced to seek legal counsel and pursue litigation.
Product: Consumer Loan

in a bankruptcy and disagree with the amount stated that I am behind. my attorney left a msg XXXX no return call to her and motion was granted before speaking with my attorney. payments were being made and sent to original lender and not be forwarded on in a timely manner.
Product: Checking or savings account

I filed a dispute because I was in the hospital and my wallet and debit card was stolen I filed a dispute on XX/XX/year>XXXX  at XXXX XXXX  eastern time for the transactions at XXXX XXXX  on XX/XX/year>XXXX  they denied my claim. They denied my claim within two hours of filing dispute without doing any investigation. 
The dispute ID is XXXX
Product: Debt collection

I paid this debt years ago. XXXX XXXX  has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
Product: Checking or savings account

On Thursday, XX/XX/2018 I received the below email from Capital One 360 stating that my accounts had been restricted until my recent activity can be verified. However, on Friday, XX/XX/XXXX they accepted the deposit of my paycheck through ACH. 

" We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 
Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET. '' Upon calling the number listed in the email I was sent to the voicemail of the Customer Security Intake Team where I left a message. I reached back out to Capital One 360 Customer Support and was told they can give me no information as to why my account is restricted & transferred me to the Customer Security Intake Team 's voicemail to leave another message with the expectation that I would be hearing back from them within 24-48 hours. 

A week has now passed and I have not been able to access my money nor have I been able to speak to someone who can explain to me why I can not access my money. I've made dozens of frustrating calls to Capital One 360, I've left countless voicemails, but it's become very apparent that as a Capital One 360 Customer Support Representative stated to me " they are on their own time '' and don't seem to care about their customers. I've had multiple payments be returned due to " Insufficient Funds '' although there is currently a positive balance in my account to cover those charges.
Product: Debt collection

First lets start off with me disputing this account with the credit bureaus. Time after time Convergent Outsourcing verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Convergent Outsourcing. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I requested Transunion and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my XXXX and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Product: Credit reporting or other personal consumer reports

This is yet another complaint I am directed against XXXX and Equifax Credit Bureaus. It has come to my attention that XXXX and Equifax Credit Bureaus have not implemented certain changes in my credit reports. Consequently, I kindly implore the Consumer Financial Protection Bureau ( CFPB ) to assist me in promptly resolving this matter by fully removing the fraudulent inquiries. Here is the list of outstanding inquiries that require removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX