23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The identity theft commenced when unauthorized access was gained to my XXXX XXXX I bank account, resulting in the unlawful withdrawal of {$1600.00}. Immediate action was taken upon discovery, with the incident promptly reported to XXXX XXXX to initiate necessary fraud and theft protocols. Subsequently, in XX/XX/XXXX, a credit report alert revealed suspicious activity, including unauthorized credit inquiries and the initiation of new credit card accounts, which I did not authorize or initiate. Notably, these inquiries and accounts were not associated with my legitimate financial activities. 
In XX/XX/XXXX, unauthorized credit card accounts were opened with XXXX XXXX XXXX  and Capital One, further exacerbating the fraudulent activities perpetrated under my name. It is crucial to emphasize that I did not initiate nor authorize the creation of these accounts, as they were established under fictitious identities.Upon transitioning my banking services to XXXX, I availed of their real-time credit monitoring feature, enabling prompt detection of fraudulent activities upon my credit report. Immediate action was taken to notify XXXX XXXX XXXX  and Capital One, asserting my status as a victim of identity theft and contesting the legitimacy of the accounts in question. Correspondence ensued with both institutions, facilitating the submission of pertinent documentation and information to support my claim.Furthermore, I initiated disputes with XXXX and XXXX credit bureaus to rectify the inaccuracies within my credit history stemming from the fraudulent accounts. Despite diligent efforts and cooperation, the resolution process encountered obstacles, with the closure of the accounts by the respective banks in XX/XX/XXXX failing to alleviate the financial burden imposed upon me. 
In XX/XX/XXXX, a formal police report was filed to document the fraudulent activities and the subsequent dissemination of my personal information on illicit online platforms. Regrettably, despite exhaustive efforts and the provision of comprehensive evidence, the credit bureaus concluded the matter without exoneration, attributing unwarranted responsibility to me. Last balance reported before the accounts were charged off ; XXXX XXXX : {$470.00}, Capital One ; {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the capital one credit to be readded To my XXXX credit file, XXXX took off my credit report I did not ask XXXX to remove this account please reinsert my capital one account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$140.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX - XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a payday advance from XXXX XXXX  on my debit card for XXXX amounts of {$100.00} each and then, one for {$20.00}, {$30.00}. and {$40.00} respectively. I looked at my balance today and I see that they have charged an extra {$100.00} and {$40.00} on to my account. They hid it on days that I took out loans to confuse me, but I know why I took the advance amounts I did so I know the amounts I took. 

Last month I noticed that the amount of my cash advance looked wrong and they simiply said that I was mistaken and that I did take the amounts out. I don't believe that I did take the extra money out when I did.
Product: Credit card

I was contacted by Citibank about charges, including some at an XXXX store ( XX/XX/year> ), XXXX ( XX/XX/year> ), and at XXXX XXXX ( XX/XX/year> ) all in XXXX  in the amount of {$9700.00} total. I got this information over the phone from someone named XXXX. I indicated I never made that charge or any other transaction on this account. I don't even have this account, as the only account I ever had with Citibank was closed years ago. Additionally, I'm an XXXX XXXX XXXX XXXX woman from XXXXXXXX XXXX XXXX, who has not been on a plane in over a decade. XXXX gave me a confirmation number " XXXX '' and he said it would be resolved. Additionally, I spoke with XXXX XXXX on XX/XX/year> because Citi contacted me again about this -- and XXXX said the account was completely shut down and the matter was resolved. Since I disputed the transaction, I have not heard from them and assumed they realized and corrected the error. 

Now I received a letter from a law firm that Citi engaged to further harass me about a debt I dont owe. I am again disputing the entire balance owed. It is unfair that Citi can fail to property investigate a dispute and can then continue to harass XXXX XXXX for a debt they dont owe. 

It looks like the card number ends in XXXX in case you need that info. 

XXXX have Citibank provide copies of the statements they sent and the charge slips for the transaction. They have never sent me any documentation of the transactions. I have lived at the same address for over XXXX  years. 

Additionally, there is a discrepancy in the address they have on file. They listed an apartment number. I live in a house, there are no apartments, and I would never randomly put an apartment number on my house. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at Experian and found a report from XXXX XXXX on a supposedly account i have with XXXX XXXX in North Carolina. I contacted XXXX XXXX and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify XXXX XXXX to have it corrected. I filed a dispute within Experian and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit inquiries in my credit report that are not made by me. XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX, XXXX, XXXX/XXXX and I called their customer service would not help and take care of the negative inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EQUIFAX AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX
Product: Debt collection

On XX/XX/XXXX I took out a payday loan from XXXX XXXX in the amount of {$340.00} that became past due. They then sold this account to the client/collector National Credit Adjusters which I was advised this company is a third-party of XXXXXXXX XXXX XXXX who receive my payment to settle the account in full on XX/XX/XXXX. The state of South Carolina ( XXXX XXXX XXXX ) states their system was never updated with the correct information of closures and still being reported as open account.
Product: Money transfer, virtual currency, or money service

I would often be able to transfer money to various family members as well as make secure transactions without the worry of fraud. Or so I thought. There were several accounts of suspicious transactions that would occur in my account, and when I would report or dispute the actions there would be no assistance provided. Instead my account was unfortunately closed and the remainder of my funds were returned back to my primary bank account
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I reported my account being stolen because someone stole my car that had access to my account because my tablet and phone was in my car, and I had online banking on my tablet. I called 5/3 Bank 's to close the account. They let those people order a debit card and was taking money from my new savings account XXXX dollars at a time They have stolen oner XXXX dollars from me and the bank will not give my money back. I have had to go to the XXXX and see and XXXX  and been admitted in the XXXX XXXXXXXX 3 different times over these issues. I have documents at XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX. I also have legal issues over this now because the police harnessed over that money and i have court verification and documents to prove all of this. I don't have any documents in my possession but i made a police report at 5/3 bank. They closed my account and said they was nothing they could do. I had to buy hotel rooms for 9 months because i didn't have all my money to buy a home.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with Citi-mortgage and have not been XXXX days late with them. They keep calling about the mortgage payment for XXXX even though it is XXXX XXXX ( within the XXXX day grace period ). The worst part of the matter is, they keep calling my relatives from another state which never gave them that information. Citi-mortgage took it upon themselves to skip trace those numbers even though they have my contact information ( it hasnt changed in the XXXX years I have had the mortgage.
Product: Credit reporting or other personal consumer reports

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX.

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted are listed below : Account : XXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX Charged Off Account Balance {$33000.00} I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I request that you review this information and make the necessary corrections to my credit report. 
Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the problem. Georgia XXXX XXXX XXXX listed two accounts as charge-offs instead of discharged by bankruptcy, which is illegal. The credit union submitted corrections and while Experian has corrected those errors, today 's issue is that my credit score has not been increased as a result of those corrections. 

Experian vantage score reported through my XXXX Bank checking account is XXXX, while XXXX still shows the score on my credit report at XXXX. XXXX scores and FICO scores should be the same since release of XXXX XXXX and XXXX. After correcting and updating the charge offs to discharged by bankruptcy Experian increased my score by XXXX XXXX  point. My other credit bureaus are at XXXX and XXXX. The information on all three is the same. I need your help to get Experian to increase my score by XXXX points. I have gone back to Experian on this issue three times. Today, calling every toll free number Experian has I am not given the option to go to a live representative. I can not even reach them. Please help me.
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. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX
Product: Debt collection

Company sent letter notifying me of debt. I disputed the debt through written notification provided in the 30 day allowance showing proof of debt awarded to spouse in divorce. Company refuses to remove the negative information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I had XXXX as my XXXX loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was either XXXX XXXX XXXX of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Product: Checking or savings account

Despite repeated attempts to comply with a request from Union Bank to name a Business Contracting Officer prior to their merger with XXXX XXXX, and despite our final, in-person attempt to satisfy this request with XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX, Union Bank still refuses to acknowledge that our account is in good standing and that our money will be moved over successfully through the intended merger. 

XXXX XXXX said he doesn't have access to any of our paperwork, but we've had a business account with this bank for more than 20 years. He asked us to fill out multiple forms, which we did, and is still unable to confirm that we have a Business Contracting Officer named on our account.

Please investigate and DELAY this merger until the parties can get their records in proper, working order! Union Bank branches are poorly staffed. Employees have one leg out the door and are simply unwilling to accept responsibility for serving customers at this point.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX, Equifax, and XXXX. The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I am thankful for the progress made but exasperated by the fact that my identity theft situation remains unresolved. However, my relief is marred by the fact that the following fraudulent accounts persist on my credit report : XXXX XXXX and XXXX XXXX I am a victim of a grave injustice. These fraudulent accounts are not only causing severe damage to my creditworthiness, but they are also affecting my financial stability, limiting my ability to secure loans, and increasing my stress levels exponentially.
Product: Debt collection

Company can not verify its me and/or not my name. 
Reporting with XXXX  etc.. flagged for Collection grid code XXXX XXXX collection ). 

There has been identity theft in my name and someone else have the same name that lives in XXXX XXXX, NV and other places.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XX/XX/year> XXXX