23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous 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
Product: Debt collection

I sent XXXX letters requesting documents to verify this debt belongs to me and no reply after 90 days
Product: Checking or savings account

XXXX XXXX XXXX XXXX paid my XXXX employees with payroll check # XXXX to XXXX,. XX/XX/XXXX, Monday noticed fraudulent activity online of XXXX unknown checks taking out {$5900.00} total from my checking account. Checks XXXX  XXXX {$1400.00}XXXX XXXX XXXXXXXX {$1400.00}, XXXX  XXXX {$1500.00} and XXXX XXXXXXXX {$1400.00}. 

Called Citizen Bank Fraud Unit : Complaint # XXXX on XX/XX/XXXX, Monday and Went to my local branch to open new checking account. The XXXX XXXX, XXXX said, it was obvious their checks were fraud because they copied my signature line and pasted it on a slant on their fraud checks. They copied the signature line, routing/account number and my business logo and pasted it on their fraudulent checks. XXXX were cashed in XXXX XXXX and XXXX were cashed in XXXX, New Jersey on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they were fast in making their fraudulent checks ) They gave me copies of the fraudulent checks and I compared that signature to my payroll checks and XXXX  XXXX written signature matched the fraudulent check perfectly. I asked that employee how they deposited their check, Photo check, online deposit to XXXX XXXX XXXX 

I also filed a report with local Police Department but activities were in New Jersey. 

I have been calling Citizen Bank Fraud Dept and keep getting XXXX Operator and yesterday, I asked what progress was since it is almost XXXX months, the guy said, he sees no activity or progress. I asked if there were " boots on the ground '' to look at the surveillance system at the banks in these locations and he did not reply. 

Don't know where online deposit images go, but someone captured the check and copied and pasted to make XXXX fraudulent checks.
Product: Student loan

My loan is due quarterly, every 3 months on the XXXX in XXXX / XXXX / XXXX / XXXX On the website on XX/XX/XXXX I logged on to the account to make a payment for the XXXX due date. At the top of the website the account says " XX/XX/2022 Due Date '' with an amount due. I made my payment on the XXXX of XXXX. In late XXXX I received a notice in the mail indicating that my account was 30 days late and I was charged a late fee and now had a payment due on XX/XX/XXXX. I called Heartland ECSI and they indicated that my payment was made too early and that it was considered an additional optional payment on the loan since it came before my statement on XX/XX/XXXX. I let them know that their website very clearly has a due date and an amount due so if I make a payment the common sense assumption would be that you're making a payment toward the due date and amount due listed. 

As another example, my account now says that I have a payment due by XX/XX/XXXX for {$300.00}. I was told if I make the payment pretty much before XX/XX/XXXX ( the estimated statement date for XXXX due date ) that my payment wouldn't be counted for the amount due. I don't understand why their website would lay out in large letters a due date and amount but if I click make payment and make a payment then it won't necessarily count toward the amount due right next to the make payment button. I've attached 2 screenshots from the page showing this layout.
Product: Debt collection

Diversified Consultants just reported a {$510.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal rights, as protected under the Fair Debt Collection Practices Act.
Product: Debt collection

XXXX called from Professional Collections in XXXX, LA. I was sitting in my office during this phone call and my assistant was helping me answer phone calls. When we answered the calls, XXXX said she was calling for XXXX and went straight into listing my debts and amounts, some of which were medical. She did not confirm my identity nor did she read the mini XXXX rights. My assistant heard the entire call and unfortunately knows about two of my debts- medical and utility. When I asked to speak with a supervisor, I was forwarded to someone who asked if I was just not intending to pay my debt or why I was making such a ruckus. Once again, dismissing my rights as a consumer.
Product: Checking or savings account

I am filing this complaint regarding an unresolved dispute with Navy Federal Credit Union ( NFCU ) related to unauthorized charges made by XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX  in XXXX, SC. 

On XX/XX/XXXX, I rented a vehicle from XXXX XXXX XXXX XXXX agreeing to a rental charge of {$270.00} with a {$500.00} hold on my Navy Federal XXXX credit card, ending in XXXX. During my rental agreement, the agent and I discussed my travel to Florida, and I agreed to all related charges ( a sum of {$55.00} ). 

However, upon returning the vehicle, XXXX XXXX XXXX XXXX charged my card {$770.00} instead of the agreed amount. Additionally, on XX/XX/XXXX, they charged an additional {$210.00} without my authorization. Prior to my return, Navy Federal contacted me about numerous failed attempts by XXXX XXXX XXXX XXXX to charge my locked card, which I did not authorize. 

Despite providing this information and stating that I only authorized the original {$270.00} rental fee with a {$500.00} hold, Navy Federal concluded their investigation by stating that all charges were legitimate based on XXXX findings. However, my signature was only provided for the initial rental agreement. The rental company imposed my signature digitally on the second charge, which I did not authorize. 

Recently, numerous attempts have been made to deduct money from my account, and despite my inquiries, Navy Federal has taken no action. When I reached out for assistance, they merely stated that if funds are owed, the company is permitted to attempt recovery. I informed them that no money is owed, which is why I chose to close my accountNavy Federal failed to support me when this issue first arose. They are currently witnessing suspicious activity but are not addressing it. The agent then asked if there was anything else and ended the call.
Product: Credit reporting or other personal consumer reports

I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( Experian, XXXX, and XXXX ) under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Since the beginning of XXXX when I made my TransUnion account I have been unable to freeze my account. Their website has never worked, leaving me with this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. Eastern Time. '' I have contacted them to fix it and they never have. This is ridiculous and they need to be held accountable. I should not be encumbered when attempting to freeze my credit in XXXX and if TransUnion is not up to the task they should not be allowed to monitor credit or handle credit for anyone.
Product: Credit reporting

I tried to dispute their errors of their investigation online and I can not. I already sent them documentation proving my identity. 

( 1 ) XXXX XXXX should not have any balances or histroy it was discharged in bankruptcy. No Activity past filing date of XX/XX/2015 and no erroneous reporting. See XXXX report and letter from XXXX. 

( 2 ) XXXX XXXX XXXX and written off prior to filing no balances or history, or payments should be displayed charge off prior to filing see XXXX. 

( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX not included in Bankruptcy and re-affirmed. 

IF the accounts can not be correctly verified by them from the Furnisher, then they should delete. XXXX states they did not report the late payments in Balance History which means that the erroneous data is being inserted by Experian in violation of the Chapter XXXX discharge. Delete any balance history and ensure that the XXXX XXXX is showing the charge off date from last year as in XXXX Report. As far as XXXX there should be no balances or pending payments reported past the filing date. XX/XX/2015
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused m

e significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurat
e or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful.

I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. Moreover, under the Fair Credit Billing Act, m y right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card

I receivd notification replacement card was sent XX/XX/23. As previous card was to expire XX/XX/23. Four calls were made plus today to inquire the location of replacement card and why it has not been received. These calls would go either ignored by " ordering '' additional cards OR by agent refusing to accept customer identifiable information to verify the validity of the account. Yet account has since been closed without my knowledge, AND initial card deposit amount of {$400.00} was applied to a " different card '' during the closing process. Citi bank is in the process of ruining my credit by this process. They are expecting me to pay for an account that I have no access to and unable to utilize. Please note, my card account was paid in full EVERY MONTH so there should NOT have any reason my new card was lost, not once, not twice, not three times. But a total of 4 requests since XXXX.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recieved calls from XXXX XXXX XXXX. USAA. XX/XX/XXXX I waited 56 mins XXXX ID XXXX Attempted Collect on FDIC ID THEFT case # XXXX. USAA WAS MADE AWARE OF ID THEFT XXXX see. attatched Fraud Claim Letter XX/XX/XXXX Unauthorized Charges {$470.00} on card XXXX. See attatched CRIMINAL INVESTIGATION POSTAL SERVICE Letter XX/XX/XXXX. ( UNAUTHORIZED TRANSACTIONS are ID THEFT. AND ITEMS NOT DELIVERED are ID THEFT ) FTC Guidelines ID THEFT COLLECTION IS UNLAWFUL. USAA does Not folliw FTC guidelines. Then XXXX came on line to harrass telling me I just did not want to pay my debt. CHECK MY PAYMENT HISTORY SINCE XXXX. USAA NEVER RESOLVES FRAUD THEN COLLECTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Debt collection

I received a call from " Unknown Caller '' Stating the I am going to be summons to court if I don't pay a debt to USBANK of {$760.00} from a checking account that has been closed since 2009. They stated they were a litigation subcontractor for XXXX XXXX XXXX. They would never give me the name of the there company but gave me the address. 
XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX. 
Spoke with XXXX but she would not give me her last name. This company has called at least 10 relatives to tell them that I have a summons against me. I spoke with USBANK and they have no record of debt to my checking, savings, or my unsecured loan which all have a {$0.00} balance. XXXX also, said that I have until the end of day to satisfy payment. I think this is another scam that is trying to make people pay debt that doesn't exist. Please help me crack these people and put them in there place.
Product: Vehicle loan or lease

On XX/XX/XXXX, the bank tried to repo my class XXXX XXXX  that I have already paid in full. The repo guy with XXXX XXXX XXXX XXXX hitched and lifted the XXXX with me & my XXXX young kids were in the back, they fell and hit their heads and now they are COMPLETELY TERRIFIED. This is clearly disturbing the peace. I have footage of the whole situation. Other identifying numbers on his vehicle XXXX XXXX XXXX XXXX. On top of the that, I've mailed them multiple negotiable instruments and they have received them all and processed it however, still not crediting the account properly. According to the XXXX XXXX XXXX, Bank of America is breaking all laws in Article XXXX. I've notified the IRS already with a XXXX Bank of America is still in non-performance. I've filed certain documents already with the IRS as well as XXXX. This is pure greed. The account is no longer on my account when I login, which means this has been CHARGED OFF, which means XXXX What are you the bank still doing trying to repo the vehicle ( when it's already tendered for full satisfaction ) and selling it for more proceeds on top of the monthly interest you have been collecting when selling the contract on the secondary market. The XXXX number that I have is proof that you guys are making millions off of the pool of contracts that have been resold on the secondary market. Bottom line, is this vehicle is paid in full. Why are you doing consumer 's dirty trying to repo.
Product: Money transfer, virtual currency, or money service

i'm a victim of identity theft, computer intrusion, hacking, bank and mail fraud. I received a receipt via email regarding a crypto currency purchase through paypal. I have never purchased crypto currency and I dont have a paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22 I sent equifax a copy of the company XXXX XXXX XXXX, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!
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 - 2023XXXX XX/XX/XXXX XX/XX/XXXX - 2023XXXXXX/XX/XXXXXXXX XXXX - 2023-XXXX XXXX XXXX XXXX - 2023XXXX XX/XX/XXXX - 2023XXXX XX/XX/XXXX - 2023-XX/XX/XXXXXX/XX/XXXX - 2023XXXX XXXX XXXX - 2023XXXX 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: Checking or savings account

on XX/XX/year>, I filed a complaint to bank of hawaii ( XXXX ) stating that they have made an error in my letter that they requested of em to close my savings account only. I was to send a letter to them describing what account to close and there reasoning, hand written. I have written this letter to them, stating to only close my savings account, not my checking account, I underlines, highlighted so it could be well read and not have this mistake be made. I took precaution, which the company, did not. I was to receive a phone call for identity purposes before closing my savings account, as I was on the phone, the woman told me that she will shut down the account, which I asked her, two times to make sure, " just my savings account, correct? '' She said yes. Later that day I was to transfer money and it did not work, and I checked to see my whole entire account was closed, along with the money, which they did send by check. I have tried to contact them numerous times by phone and email and nothing has been materialized into solving my problem. They said they have tried to call me, but they did not. I have emailed them and received no email back since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX  partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Student loan

I declared XXXX XXXX bankruptcy in XX/XX/XXXX and it was discharged XX/XX/XXXX. Navient claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$55000.00}, the cost of attending the XXXX XXXX XXXX XXXX was {$35000.00}, I graduated in XXXX and made payments until declaring bankruptcy. The amount owed does not include federal loans also used To pay for attending which total {$12000.00}. Navient has ruined my credit score in reporting that I have not paid them. As the XXXX XXXX XXXX XXXX was one of many for profit schools listed in the Attorneys general lawsuit against Navient for defrauding students through predatory loans and they should have been discharged under bankruptcy and or the Holder rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the XXXX account that is listed on my consumer credit report due to varying dates of last activities between all three credit bureaus in XXXX of 2019. The account also does not reflect that the account is being disputed by the consumer and the date of the last update is showing as XXXX, even though Experian claims to have just completed an investigation on this account. This proves that Experian did NOT perform an actual investigation into this account that is reporting highly inaccurate and incomplete information. This issue has been brought to Experian 's attention on more than one occasion.
Product: Credit card or prepaid card

Genisis FS Card Services Milestone Credit Card Application approved XX/XX/2021 Card to be received in 14 business days. 
Card not received. 
Called company. 
Card never issued. 
Recalled company. 
Card in processing. 
Called company today card mailed XX/XX/2021. 
Still no card. 
Statement received 2 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXN- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NA- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX