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

After reviewing my Equifax credit reports, I noticed several discrepancies related to accounts opened and balances owed. I contacted Equifax on XX/XX/XXXX to open up a dispute on the balance reflecting on two accounts. The first, on my XXXX   XXXX XXXX XXXX XXXX, Equifax is reporting {$29000.00}. The second was for a XXXX XXXX XXXX XXXX loan that reflects open with a balance of {$340.00}. Equifax emailed me on XX/XX/XXXX stating that the investigation was complete, verified and accurate. This information is absolutely false, and a direct violation of my FCRA rights. I am unsure how Equifax can make false statements and claim they verified information in 2 days, with 1 of those days being a holiday. 

The balance on my auto loan as of XX/XX/XXXX is {$19000.00}. This is a {$10000.00} difference that is affecting my ability to get approved by lenders. The second account, the installment loan, has been paid to a {$0.00} balance and closed as of XX/XX/XXXX so for an entire year, Equifax has reported incorrect information and when it was brought to their attention, they failed to do a thorough investigation, which has caused incorrect information to continue to reflect on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 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 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

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report
Product: Credit reporting

XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

Back on XX/XX/2023, I registered for Citi 's " Refer a Friend '' program, which offers me a {$100.00} statement credit after I refer someone to Citi and they are approved for a new credit card. On the same day, I shared my unique link with my brother. Within the next day or XXXX, he used my link and applied for the same card that I have, the Citi AAdvantage XXXX XXXX card, and was instantly approved. He has been using it as his primary card ever since, and Citi has gained a new customer because of my referral. 

Unfortunately, Citi has not held up their end of the bargain. Per the terms of their program, I should have received the {$100.00} statement credit within XXXX weeks of my brother 's approval. It has now been over XXXX weeks, and they have never issued the credit. I have reached out to them numerous times on the phone, and support inquiries have been submitted, but Citi has never followed up on these inquiries with any additional information. 

This practice is completely unacceptable on XXXX end. It is not fulfilling its obligations under the program that it has advertised.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}
Product: Checking or savings account

Continuous withdrawals from one of my checking accounts from an online travel company names XXXX, whom Ive never heard of til now were taking money from my account starting from XX/XX/2019 thru XX/XX/2019. My daughter left my XXXX  computer at her friends home in which may have led to someone having access to my personal information. I had XXXX  XXXX   attached to my account from my other XXXX  products all being synced together and I believe this is how they ( he or she ) were able to make purchases and or set up online accounts. My bank was informed as soon as I noticed the withdrawals.They issued a refund then soon after reversed the issued amount of credit with no response given as to why. This led to overdrafts as of now from my account. My only part in this situation is not paying enough attention to my balance and transactions at the time of this illegal activity. When the bank submitted my request of fraudulent activity upon investigation and refunded my money I was told to get police documents or any paperwork of proof of anything I could if I can. But of course how could that be possible if everyone is clueless of the incident and not admitting guilt? I have no proof as to who did these transactions. I just know they were unauthorized and no product was exchanged for the money taken. This company has taken my money and I have nothing to show for it, no travel information, tickets, vouchers or anything leading to a trip in exchange for my money. 
Please assist me in re-reversing the money owed to me that I earned and the banks accountability of protection amongst their customers assets as promised. I have never had this happen to me from my own established bank. Ive now been robbed twice and treated unfairly. Your assistance is attentively needed. 

Thank your for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report and needs to investigate in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00}
Product: Checking or savings account

They knew I didnt have the funds in my account and they allow it to still come out and charged me a bunch of late fees so I had to pay that and the overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!
Product: Payday loan, title loan, or personal loan

UDAAP Violation : I told them when originally signing up that I needed a loan that I could pay every other week automatically. They said that they can do that, per my loan officer. After I got approved, it was found out that I could NOT. I contacted them again saying I no longer wanted the loan and that they deceived me ( all of this MUST be on their recorded lines ). They had a manager call me and tell me " Oh, well, you can still make those bi-weekly payments, but you have to wait for the statement to arrive in your email '' [ FYI-never received ] " ... and then once that shows up, you have to contact us to make two payments every month. '' Not only was I misled into thinking I could pay it every other week, I have to call them just to make my payments. Additionally, I found out it costs money to pay them directly. This is a complete scam. Fast forward a couple years, they put the debt into " Write Off as P & L '' status, which I understand ruined my credit. Couple months later, they are putting it into collections. Now, I have VERY aggressive people asking me if I can pay them {$570.00} minimum or I will have to go through bankruptcy. This is XXXX XXXX in MN. Debt Collection Company. This whole thing is backwards. I know this is a Deceptive practice and I did pay this for about a year, but they also wrote it off on my credit report as P & L -- now they are collecting. The company did not help me. I need help and the collection agency just wants to berate me for money in a demeaning way. It is dehumanizing and unethical, not to mention the whole thing was caused by one man who told me I could pay bi-weekly and then the company made it nearly impossible for me to do so! What do I do?
Product: Payday loan, title loan, personal loan, or advance loan

I have conducted business with Tower Loan for years with no problem. When my husband became ill I had to quit my job and stay home with him. I took a huge pay cut when I did return to work and I got behind on my bills and thought I was making a good choice by doing a debt reduction through Beyond Finance. It was a huge mistake but I've too far In to change. Tower Loan refused to participate and I tried to keep up with the monthly payments. This company harassed me for months. They came to my home and left letters open so anyone could see my business. They spoke to 3rd parties about my account. XXXX weeks ago I sent them a partial payment with letter stating it was all I could pay. On Wednesday I was served papers dated XX/XX/XXXX swing me adding XXXX XXXX attorney fees. No warning no certified letter nothing. This company has no regard for their customers safety or privacy. I want to counter sue for harassment and invasion of privacy. Please advise on steps to take.
Product: Vehicle loan or lease

In XX/XX/XXXX, First National Bank approached me with an offer to Skip A Payment in XXXX or XXXX. I sent them the form and a check for {$50.00} to pay the interest plus a few cents on XX/XX/XXXX. My payment was not due until XX/XX/XXXX. I always round my payments up to the nearest dollar and allow the difference to go towards the principal. I assumed that everything was fine. I did not receive any communication about a problem. On XX/XX/XXXX, they contacted me for the first time with a past due notice. I assumed it was in error, because the total amount due ( {$360.00} ) on XX/XX/XXXX on the notice was under the last payment received of {$370.00} on XX/XX/XXXX. I contacted First National through the customer service line in the beginning of XXXX. On this phone call, I explained my confusion. I sent the {$50.00} interest only payment on XX/XX/XXXX, a {$400.00} payment on XX/XX/XXXX, and a {$370.00} payment on XX/XX/XXXX. At no time in the past three months have I been late on my payments. The customer service agent told me that my account does not reflect the Skipped Payment offer. They did not cash my check. She could not help me any further, but offered to have another representative of the bank call me. I never received a telephone call to correct this situation. On XX/XX/XXXX, they sent me a past due notice that states I have {$330.00} past due, a late charge of XXXX for a total amount due of {$360.00} on XX/XX/XXXX. In order to bring my payment current, I paid {$400.00} on XX/XX/XXXX. This is over the total amount due on the notice. This did not correct my account. On XX/XX/XXXX, I received a past due notice that states I have a {$300.00} amount past due, a late charge of {$33.00} for a total amount due of {$340.00} by XX/XX/XXXX. In order to bring my payment current, I paid {$370.00} on XX/XX/XXXX. This is over the requested amount and several weeks early. This did not correct my account. The bank sent me a letter on XX/XX/XXXX stating they have attempted to contact me about this matter by telephone. My cell phone records show no attempts by First National Bank to reach me in XXXX. They have not left a single message on my phone. I have not spoken to anyone at First National since I made contact in XX/XX/XXXX.
Product: Credit card or prepaid card

Dispute start on : XXXX XXXX XXXX EDT but have not had a response on this issue. I have been told someone at Synchrony would get back to me within 7 to 10 business days multiple times. No response as of yet. I have followed up multiple times. 

Issue stems from not receiving billing statements over the past 9 months on paper or electronically. Online statements are not available and have raised this as a concern. I agreed to terms to have electronic statements but those statements are not available online.
Product: Debt collection

On XX/XX/2023, I received a notice from AFNI collection agency saying I owed XXXX XXXX XXXX mobility {$2100.00}. I have never had an account with XXXX XXXX XXXX XXXX so assumed it was as a scam.On advice from local Deputy Sheriff. I called XXXX XXXX XXXX. I was told there was nothing associated with the number AFNI said was my account with XXXX XXXX XXXX. The number XXXX was said to be my account with XXXX XXXX XXXX in the first letter but in future correspondence it was stated to be the creditor account number.I sent in response form provided indicating this was not my debt.I received another letter soon after saying they were attempting again to collect the XXXX XXXX XXXX. This time for lesser amount. Most recently another attempt was made by AFNi to collect this debt.I emailed the address on the AFNI website stating simply, " This is not my debt ''. I have not receved a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, Equifax, and XXXX in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, XXXX public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to XXXX and Traunsion to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to XXXX  and Trausnion.
Product: Credit reporting

Equifax continues to provide my credit report to companies that do not have my permission or authorization to receive this infomation. As such, Equifax is showing XXXX hard inquiries on my credit report in the last 2 years, when in fact it should only be XXXX, max. I have reached out to equifax and have been told they do not remove inquiries and that I need to contact the companies and ask the companies to remove the inquiry. Several of the companies have indicated they did not request my report and do not show an inquiry to request removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have never been mines : XXXX Mortgage XXXX & XXXX, Certified credit XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX. Experian is reporting inaccurate information on my report. I also was a victim of idenity theft. I have wrote several letters explaining these are not my acct.
Product: Credit reporting or other personal consumer reports

inquires all need tom be removed from my credit profile it is hindering my ability to work. also false info.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 



XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my XXXX XXXX statement and it said that I had an account out of Texas for a Capios LLC I am not familiar with that. I do not live in Texas I live in New York someone got my information from me for a job interview over the phone and I tried to report it then and for some reason it still went through even after I made a report of identity ThEft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, WFDS has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

Good day. My names is XXXX XXXX and this is my second complaint in reference to my Capital One 360 Checking account. I sent your agency a complaint back in XX/XX/XXXX in reference to Capital One closing my without notice. I received an letter from Capital One on XX/XX/XXXX, from XXXX XXXX. in his letter he stated that he need to verify my ID and requested that I contact him. I called XXXX XXXX on XXXX ext XXXX and left plenty of messages but he has failed to return my call. Again Capital one continued to hold on to my money and has not communicated with me in reference to the account. I hereby request your assistance again with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 has violated my rights. 
XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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.