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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, Transunion, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a purchase on my Bank of America credit card for a cruise with XXXX XXXX XXXX for XXXX. I booked a room for 4 adults - 2 beds. Once we got into the room it was bunk 1 bed and a bunk bed. We were already at sea when we were able to get into our room, therefore there was no ability to reschedule. We were told there were no other rooms to transfer us to and to reach out to customer service at the end of the trip. I did just that and was told there was nothing they could do. I asked for a discount for the inconvenience and was told there wouldn't be a discount. I then asked for a discount on a future cruise and was told they don't do that either. I then told them they are leaving me no choice but to dispute the transaction. I reached out to bank of america and told them what happened, they issued a temporary credit and sent a letter than said if the merchant doesn't respond within 60 days of the date on the letter ( XXXX XXXX ), the temporary credit would become permanent. I didn't hear anything from bank of america my XXXX statement ( long after the 60 days ) that just says balance adjustment. I have not received any other documents from XXXX or BofA and did not receive what I am being charged for.
Product: Credit card or prepaid card

American Express posted a payment to my account that was not initiated by me. I notified them immediately but was told nothing could be corrected until the payment was processed. The electronic payment from an unknown 3rd party bounced. I explained that it must have been a fraudulent attempt to steal that 3rd person 's money. Despite warning AmEx, they have sent me notices about my alleged bounced payment. I have lost certain card benefits and now charged a penalty interest rate ( although I pay my bill in full monthly ). Since this occurred on XX/XX/2019 I have had multiple telephone calls and emails trying to reverse this action for fear they would make a negative credit bureau reporting. I sent a detailed letter with attachments of all correspondence and form letters received on XX/XX/2019 asking for documentation about the alleged payment and that they acknowledge that the " bounced check '' was not from me. Other than paper form letters matching their prior emails, AmEx has not bothered to respond to my XX/XX/XXXX letter. I advised them that I would file a formal complaint is no response in 30. 

At AmEx 's suggestion, I changed the password on all my accounts and logins. There has been no similar incidents with any other of my credit cards or online accounts - only with AmEx.
Product: Checking or savings account

I opened a Smart Advantage account with a large enough deposit at the XXXX XXXX Colorado XXXX location on XX/XX/year> with clerk XXXX XXXX who said the amount I deposited was well over the qualified amount of the direct deposit to meet the advertised qualifications of {$4000.00}, to receive a cash bonus of {$400.00} ( as I would not being making other type direct income deposits such as pay-check, pension, SS, or government payments which would have then qualified for a {$600.00} credit ). See misleading and confusing Terms for Cash Offer document. 


Left a message at the local bank on XXXX to return my call about {$400.00} credit that should have gone through by now. No response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Couldnt get hold on a representative.

When calling, its just an automated system.

They reported a balance to the credit bureau, but couldnt find an account on their website.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report. 
As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my XXXX XXXX Credit Cards. I requested XXXX XXXX do a reinsertion of my cards to report to my Credit Reports. XXXX XXXX has tried to do their due diligence my filing a reinsertion on my behalf XX/XX/2020. My cards are appearing on XXXX & XXXX with frequency but not Equifax. When I call them I keep recieving the runaround or given the same number to keep repeating the same frustrating process. My score has tanked 84 Points due to their unwillingness to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been victim of identity theft then inquiry without my knowledge from XXXX XXXX XXXX XXXX Experian is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX XXXX then now I am not sure what else to do anymore then all my credit report Beau XXXX me up XXXX and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX off by police and sheriff and feds then plus treated as a XXXX XXXX  to abuse the XXXX and XXXX and my family too doing this to me sinceXX/XX/1977too and growing up so XXXX since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no one will help me to get me out of XXXX and XXXX domestic XXXX and XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a bot or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
Product: Credit reporting, credit repair services, or other personal consumer reports

chase card has reappeared on my credit report after having been removed, 2 items, both with XXXX balance but shows XXXX.
Product: Debt collection

There was black mold on my walls, I gave them 3 months to fix it. The complex never fixed it and the mold caused XXXX on my skin so I moved out. Then they charged me for breaking the lease but wont give me a breakdown of the receipt. I even agreed to pay them some even though i had to move out due to the condition of the apartment but they continually won't update my payment balance and want more money.
Product: Credit card or prepaid card

I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company.

The document included shows my account has been deleted and disabled.

Goldman Sachs just now provided me with my account number.

This needs to be refunded 100 %!!
Product: Credit reporting or other personal consumer reports

Complaint Statement Regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Credit Reporting Errors On XX/XX/2022, I experienced issues accessing my account with XXXX XXXX XXXX due to a system failure during their online banking platform rollout. As a result, I was unable to view balances, make transactions, or access credit information for several weeks, which caused financial harm. 

During this time, I incurred {$250.00} in overdraft fees and missed a credit card payment, which negatively impacted my credit score. I contacted XXXX XXXX XXXX customer service on XX/XX/2022, regarding the issue, but they provided no resolution and stated they were working on fixing the system. 

Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), financial institutions are required to maintain accurate credit reporting and ensure consumer data protection. The failure of XXXX XXXX XXXX to provide access to my financial information and the potential compromise of my data violate these protections. 

As a result of these disruptions, I have discovered multiple derogatory marks on my credit report, which I believe are directly related to the issues caused by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These include : XXXX. XXXX - Account Number : XXXX Status : Derogatory Limit : {$4000.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX Status : Derogatory Limit : {$400.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX - Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ** Status : Derogatory Date Opened : XXXX Date Reported : XXXX Balance : {$500.00} These negative marks are harming my credit score, and I believe they are the result of the banking failures, inaccessible accounts, and potential reporting errors that occurred due to the financial institution outages
Product: Debt collection

The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in XX/XX/XXXX when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 30 day window to do so ( which closed on XX/XX/XXXX ). They have no right to collect from me and they are using this as a  stalling tactic. The evidence they claim belongs to a woman that is not me and are outside the window outlined by Ohio statute to provide such evidence. The original debt was claimed on a three bedroom  apartment, which I never rented, and disputed such. All on a recorded line. They have proven that they are collected from me incorrectly for someone else 's debt.
Product: Debt collection

IC Systems has been calling me repeatedly from spoofed numbers during the past month. When I call back, all the numbers bounce to IC Systems. The first call was on XX/XX/2XXXX XXXX XXXX XXXX. The second call on XX/XX/XXXX XXXX XXXX XXXX, and the third call on XX/XX/XXXX, at XXXX PM. How can one trust a company that needs to spoof numbers to communicate with people? Please stop your harassment. I do not have debts. I will investigate IC Systems further to discover if this company provides services to any of my former creditors, the companys practices, and history of lawsuits for the same reason as this case. I have included all my creditors in my XXXX XXXX bankruptcy petition and none is IC System. This is a cease a desist. Stop communicating with me. I have never had any relation with IC System. STOP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15USC ( e ) ( b ), I am disputing the item listed below with Equifax because there reporting is inaccurate compared to the other credit reporting agencies. FCRA / CFPB requires the credit reported information should report 100 % accurate across all reporting agencies. This account is not reporting accurately with Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read letter sent via email on XXXX XXXX XXXX  and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX  willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of XXXX 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up. 

Under The terms of section XXXX I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Product: Checking or savings account

To whom it may concern, My name XXXX XXXX. My husband has a repayment agreement with CitiBank to repay a loan I took This was forced on him because I filed for bankruptcy and he was forced to agree to repay the loan with a fixed interest rate of 7 % and a fixed payment amount. I have been making payments because he has almost no income, and payments have been made on time and for the correct amounts, but for the second time, CitiBank is trying to scam my account by reversing the payments I make to them, despite the fact that the payments are first accepted and the account which payment is made from always has the sufficient amount to make the payment. 
This issue has come up once again, I made a payment over the phone on XX/XX/XXXX, on a Checking Plus line of credit, # XXXX, which my husband has a repayment agreement with CitiBank at a rate of 7 %. I was told that the payment will be processed on XX/XX/XXXX. On XX/XX/XXXX, I called to ask if the payment was processed. I tried to make a payment for the second time and I was told that everything was fine and the payment was processed. 

However, XX/XX/XXXX, I received a bill stating that no payment had been made. I called immediately to fix it and made an ADDITIONAL payment of {$100.00}, calling the Citibank number XXXX. Representative XXXX, said everything is fine and the account is in good standing. 

Today, XX/XX/XXXX, I received a letter from CitiBank that they can not find anything about my account and that I should contact the bankruptcy department. I called today, and spoke with representative XXXX. I gave them my social security, my account number, my address, but representative XXXX refused to speak with me unless I give him the exact date that my account was opened. I do not recall this date because it was so long ago, and I do not understand why this is needed when I had already provided A ) An account number B ) Social Security Number C ) Address D ) My full name All possible information was provided. I do not understand why CitiBank is unable to access my information without the date the account was opened. I strongly suspect that this is made to defraud me and prevent me from making payments or discussing my issues with CitiBank. There is no other reasonable explanation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 went to a presentation by XXXX they asked my information and told me that the type of request they were doing with my credit would only be a soft request and would not affect my credit at all. This was in XXXX of XXXX, my credit report shows that it is a hard request and it does effect my credit until XXXX. They lied to me and I want it removed from my credit I just don't know how to get it done. Can you help me? 

This is what is showing on my credit show as a hard request and so it is effecting my credit : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Mortgage Cos.