23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX in my name at any time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.
Product: Credit card or prepaid card

I enrolled in Autopay for my Amazon Store Card on XX/XX/2021. In the email sent to me by the company confirming the enrollment, Amazon.com Store Card Services said : " Payments will be deducted from your XXXX XXXX XXXX, XXXX account ending in XXXX on your payment due date. Continue to make regular payments until you receive confirmation in your billing statement that the Autopay program has been established. '' I received no such confirmation. No billing statement was issued. My billing statements are issued on the XXXX or XXXX of each month. 

On the payment due date, XX/XX/2021, I searched the Amazon.com store card site to verify that no payments were pending. The site indicated no pending payments. Therefore, as directed by Amazon.com Store Card Services, on the payment due date I made a regular payment in the amount of {$300.00} ( the same amount as the requested automatic payments. ) The payment posted successfully and was withdrawn from my bank account on XX/XX/2021. 

I woke up on XX/XX/2021 to find that the Amazon.com Store Card processed another payment via Autopay for {$300.00}. I'd had no email confirming this payment and there was nothing on the Amazon.com Store Card site indicating that this payment was scheduled. While the Amazon.com Store Card site indicates that both payments posted on XX/XX/2021, my bank account indicates that the payment I made manually on XX/XX/2021 was successfully processed on XX/XX/2021 and the payment made via Autopay was received for processing XX/XX/2021. 

As a result of this, my checking account was put in overdraft. The overdraft generated a {$35.00} fee from my bank. I'm also left in a very precarious financial position as I have a strict budget. 

I contacted Amazon.com via live chat and the agent, XXXX XXXX, was very apologetic, but ultimately completely unhelpful. The only recourse I was offered was to have a check for a refund of the overpayment mailed to my home address which would take approximately 15 days. 

I am very upset because the processing of this Autopay payment was in direct contradiction to the email I received confirming my enrollment in Autopay. That email is attached as a screenshot.
Product: Debt collection

Last week I paid and settled with capital one bills and I asked them to remove them off my credit they refuse after this debt was charged and written off as lost and I paid the settled amount and they said they would remove off my credit but they didn't and it's othe collections agengencies trying to ruin my name and credibility to my name after they keep changing the trade lines on dwbt that they got for profit and my name was compromised I dont know if they hve me mixed up with someone else with a XXXX  I don't even have a middle name and all those different dates n debt is not mines and I want it removed its been some over 6 years and they XXXX changing the trade lines with different dates
Product: Credit reporting or other personal consumer reports

* Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom is May Concern, This item was purchased by a Third Party Debt Collector This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the XXXX XXXX XXXX Collector. highlighted issues. This information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX. 

Here is the account name and number for reference and incorrect amount also. 

How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I noticed inquiries on my credit report that I never authorized and I have no open accounts with these companies. I need them removed pleased.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX FXXXX Account # : XXXX Balance : XXXX XXXX XXXX XXXX  Account # : XXXX Balance : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Balance : XXXX XXXX Account # : XXXX Balance : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXXXXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card or prepaid card

I applied for a citi AA credit card around XXXX and it was recommended by my friend. Before I applied for it, I called Citi that since the promotion ( XXXX ) is different from what my friend received and I was wondering if I would get the same promotion ( XXXX ). The customer representative told me that they suggest me apply for it first and they would match it up to XXXX. After my application was approved, I tried to match up as what I was told via customer service several times but failed. They told me that the promotion was already finished. However, in the meantime, my another friend which applied for the same card around same time matched up to XXXX successfully. My complain was if citi can not realize the promise of matching up the promotion, then they should not mislead and seduce customer to apply for their credit card since there are so many credit cards on the market. And even if they can not make their promise come true, then they should treat equally to all the customers, rather than giving some customers matching up successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of having a credit score around XXXX and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and Experian as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the XXXX Date Breach Settlement website that my information was impacted by the XXXX data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX XXXX has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with whom I have never had any dealings. 

Experian- Experian has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXXXXXX XXXX  credit card account opened on XXXX XXXX XXXX  with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XXXX XXXX XXXX  as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. XXXX company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.
Product: Debt collection

Portfolio recovery associates is listing themselves as a primary creditor on my credit record. They do recovery for XXXX XXXX XXXX.
Product: Checking or savings account

Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. We have been doing business with Bank of America since it was sovereign bank, then went with nations bank and finally now Bank of America for over 30 years. I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts. 


The following transactions need to be disbuted.
Product: Student loan

NAVIENT whom has already been under scrutiny for its poor, shady collection practices is making it absolutely impossible to pay off my student loans. They try to put you in a forbearance or an income driven payment plan neither of which ever pays on the principal balance but continues to incur interest. I am doing my best to pay off my all my debts but this is unjust and impossible to pay off a loan under these conditions. Its hard for me to understand how this is even legal. If you reference the show the patriot act volume 2 episode 4 aired on XX/XX/2019 it gives a breakdown of how Navient is conducting business and it is absolutely unjust if not criminal. I have spoke with Navient in regards to me only paying the interest and it being impossible to ever pay the principal and i received no argument to my claim while on the phone, instead just what steps i need to take to begin paying them. Something has to be done, this seems unconstitutional like im being robbed because i spent a period of time in school trying to better my education, when in reality all these loans have done is allow Navient to place be in Debt that I will never ever be able to pay off. Please help me find a solution to this ongoing problem that's not only effecting me but thousands if not millions of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Product: Checking or savings account

13 overdraft fees charged to my account for transactions that are DOUBLED, listed as both gone thru and then listed again as pending!

Along with my overdraft protection has been turned off, so my fees are {$36.00} instead of {$12.00} each!

Transactions with no name or identification, with amounts we never spent!

NO EXPLANATION!!!!!! NO RESOLUTION!!! 

I am being charged fees for transactions that should not even be there!
Product: Credit reporting or other personal consumer reports

I noticed 2 credit inquiries on XX/XX/year> that were posted that same day. I placed a security freeze for the three bureaus around XXXX on XX/XX/year>. I called XXXX XXXX and XXXX on XX/XX/XXXX to close the accounts. 

The XXXX XXXXXXXX XXXX XXXXXXXX credit card opened under XXXX was opened on XX/XX/XXXX and by the end of the day, it had a {$860.00} charge out of the {$900.00} credit line on the card. 

I disputed the inquires and account with the XXXX bureaus, and XXXX and XXXX both removed the inquiries from my account. Equifax has not. I've tried 3 times and all 3 times the inquiries were labeled as accurate.
Product: Credit reporting or other personal consumer reports

Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 
Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. 

Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, l demand the name and address of anyone contacted to verify the disputed. 

PLEASE SEE ATTACHMENTS FOR FRAUDULENT ACCOUNTS
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 1681XXXX XXXX XXXX XXXX .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I received a call from a company called RNN Group. They claim to be employment verification. I have not applied for any new employment or a big purchase such as a house or car. This person calls everyday and sends emails but will provide no infiormation verifying who they are or who they respsent in the verification. The person calling gave the name of XXXX and a reference number. I reached out. This person was not at their desk the 3 times I called. I left a message. So I called the main line and the person that did answer ( XXXX ) would not verify any information even though I had the reference number, rep 's name, and phone number which was given to me by HR.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts, I would like to follow up to remove these fraudulent items persist on my credit report, adversely affecting my creditworthiness and financial standing. 

This continued failure to address the issue is unacceptable and has caused significant stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. 

I implore that you review this information thoroughly and take decisive action to ensure the removal of these fraudulent items. I seek your intervention in resolving this matter promptly and satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX FIN XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX 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 or other personal consumer reports

This account XXXX was reported as in collection / charge off and is affecting my credit score negatively. The reporting of this account is incorrect and I still see balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also please explain why there is a past due balance reporting while the report shows as a charge off. I'm pretty sure you know this is a violation. I demand that immediate action be taken to this account to ensure that your agency is reporting full and only accurate information on my account.
Product: Credit card

NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CITI BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CITI WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CITI IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CITI HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CITI HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CITI HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CITI HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CITI HAS VIOLATED ME WHILE OBTAINING MY SECURITY CITI HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.