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

On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Experian. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
Product: Credit reporting 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX Balance : {$8900.00} ; XXXX XXXXXXXX Balance : {$21000.00}.
Product: Credit card or prepaid card

This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. 

In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. 

I didn't receive the gift card that ordered from CNB until today.

From the gift card transitions records, it is obvious that both gift cards were not delivered to me.

Please CNB answer the following questions : Did CNB provide the shipping tracking number?

Can CNB provide the my signature for the package delivered?

Can CNB provide the evidence that I received the gift cards?

Did CNB provide the gift card full number to me?

Did CNB provide the protection for the gift card activate?

Can you report your gift card lost or stolen just using last 4 digits gift card numbers?

CNB has to be responsible for the gift card lost or stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$5100.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXXalance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed XXXX {$XXXX} XXXX XXXX Balance Owed : XXXX
Product: Credit card

I applied for the Citibank credit card. Im ending in XXXX, and Citibank was not supposed to charge me any interest for one year, but from last two months, they are charging me interest, I feel disgusted from this Fraud bank, and this is not fair I also called the customer service regarding this, and the customer service was telling me that they can not see any interest on the statement.
Product: Checking or savings account

I have attempted to open both a personal checking ( within the last year ) and a business checking account as recently at XX/XX/19 on both occasions the accounts were opened by XXXX XXXX   representatives and on both occasions, the accounts were opened then immediately closed followed by erroneous letters with Chase letterhead that gives you no explanation other than checking with the three reporting credit bureaus. 

In the second attempt like the first the reps are cryptic in their approach and only give yur word and warning that " the account that was opened will be discontinued and closed immediately '' nothing more nothing less. 

It is important to note that I owe nothing to Chase Bank ... an have separate accounts at XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that are both in good standing. 

This bank is egregious in its behavior and seem to have some sort of prejudice to certain clients and should never be allowed to take monies and open an account only to close it with absolutely no explanation whatsoever except some erroneous letter that states that they made the choice with no explanation or cause whatsoever.
Product: Debt collection

My Credit soon have been poor because Accounts have been opening up in my name that I have never opened addresses that I have never lived at right now i can't do nothing because of identity theft in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.
Product: Debt collection

For several months I have been receiving periodic phone calls, sometimes daily, from someone at Navient Solutions LLC, a student loan servicing company, about someone else 's student loans. I am XXXX years old. I do not now and never have had a student loan. The Navient caller is calling my phone number, but asking for someone else by name with an offer of assistance on the loan. 

Today the caller was calling for XXXX XXXX. I could not understand the caller 's name, which is often the case with these calls. Sometimes the caller is a native English speaker, sometimes a non-native speaker. Today 's caller was a native English speaker. The caller also cited an email sent to XXXX XXXX on XX/XX/XXXX with the same offer, and I could not understand the email address given. 

The calls are always for a different person. The caller leaves a call-back number, which is different from the one the caller calls from. Today 's call-back number was XXXX. 

I tried calling the call-back numbers before I couldn't through to anyone who understood I didn't have a student loan. 

I called the Navient number just now and was connected with a person who apologized and said he could remove my phone number. I'll give it a little time and see if it works.
Product: Mortgage

Refinanced primary residence on XX/XX/XXXX and loan was paid in full. 
Dovenmuehle Mortgage company auto-drafted loan payment on  XX/XX/XXXX after loan was paid off. 
Called Dovenmuehle on XX/XX/XXXX to inform them of the extra payment & the escrow amount owed. They told me the checks would be cut in a week and then placed in the mail ( 7-10 days for delivery ) Called Dovenmuehle again on XX/XX/XXXX. Again, they told me the checks would be cut the next week and then placed in the mail ( 7-10 days for delivery ) Received Mortgage company checks for the  escrow amount on XX/XX/XXXX but NOT the additional mortgage payment Called Dovenmuehle again on XX/XX/XXXX to inquire about the remaining balance ( {$3500.00} ). Company placed another work order and  assured the check would be cut on XXXX and mailed. 
After no check was received an no activity on the account, I called on XX/XX/XXXX and spoke to a supervisor. He told me the previous 3 work  orders were done incorrectly and assured me that the money could be wired later that day. I submitted a voided check at XXXX with the routing information. 
After no funds were wired as of noon on XX/XX/XXXX, I called the company yet again. The company says they can not wire the funds for 5 days. 
According to XXXX escrows should be paid in 20 business days. This has been over 30 business days with multiple attempts to resolve this with the Dovenmuehle customer service representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I originally disputed Fair Collections Outsourcing with the 3 credit Bureaus in XX/XX/2023. This dispute lead to no avail. I attempted to do it again in XXXX and XXXX and again in XXXX but the Credit Bureaus, nor Fair Collections Outsourcing were able to remove this inaccurate item. 
The debt belongs to my ex, XXXX XXXX, who we shared a place together. During Covid, He become XX/XX/XXXX to the point I had to move out and remove myself from the lease as the instruction of friends and my XX/XX/XXXX. I was off of the lease when he stopped paying, yet this item is on my credit report for {$15000.00}. He was supposed to file for the Rental relief during Covid for assitance with paying the rent but he did not. 
I have tried to contact him to rectify this so he can assure the Credit Bureaus and Fair Collection Outsourcing that the debt is his, and his only as I was removed, yet he has blocked my number for leaving him.
Product: Student loan

In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach, therefore, I have information reporting on my credit report that is inaccurate due to data breach. Please remove all inaccurate information off my credit report such as : XXXXXXXX XXXX XXXX XXXX  reporting of accounts that are not mine. Late payments, inaccurate addresses where I never lived, and accounts reporting that I never applied for. Please remove numerous inquiries that I never applied to these institutions to have numerous inquiries on my credit reports
Product: Credit reporting or other personal consumer reports

am writing to dispute several accounts reported under my name without my consent, violating the Consumer Credit Protection Act ( Act 1692, CCC ). I have contacted XXXX and XXXX regarding these inaccuracies, but they failed to provide the requested evidence and indicated they would not remove the accounts. 
I request an investigation into these accounts and the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a XXXX XXXX removed as well as 2 charged off credit cards which I had never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX credit bureau, 30-day late payment for the month of XX/XX/XXXX with Trans Union and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want reported accounts and all Unauthorized Credit inquiries removed and updated. 

Unauthorized Credit inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I make a transfers to XXXX  an investment options the people scam on me for XXXXXXXX XXXX  and the Bank of America tell me they cant do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 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 card or prepaid card

I paid XXXX XXXX {$95.00} to redo my dating profile. I sent her the money through PayPal. XXXX accepted the money through the family and friends option. She did this to avoid paying the fees to PayPal which is a violation of HIPPA Law and of PayPals terms of use. I am requesting that PayPal refund me my money because she did not provide a service instead she has kept my money. I also hope you would take action against this person because she can keep doing this to other people. I have contacted her several times this year and she continues to not do it.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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: Credit card

I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.