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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$6900.00} XXXX XXXX XXXX BALANCED {$26000.00} XXXX  XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BALANCED {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.
Product: Credit reporting or other personal consumer reports

For a few years now. I have had an account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and both of my accounts have been breached. They have finally informed me by email of the matter. Identity theft on my report it has been affecting my score.
Product: Debt collection

XX/XX/XXXX Sent a letter to the 3 credit bureaus to remove a debt from Hunter Warfield Inc. off of my credit report and provided supporting documentation. 
XX/XX/XXXX Made a payment in error due to a mistake and trying to clean up credit report to move into an apartment immediately. 
XX/XX/XXXX XXXX and XXXX sent me a letter stating that Hunter Warfield Inc. was deleted from my credit report based off of the letter and supporting documentation I sent to them. 
XX/XX/XXXX I emailed Refund Request for Payment to Hunter Warfield Inc. and provided supporting documentation that the payment was made an error. 
XX/XX/XXXX I faxed Refund Request for Payment to Hunter Warfield Inc. 
XX/XX/XXXX I called for Refund Request for Payment to Hunter Warfield Inc. and requested verification letter. I was informed by the Supervisor that they were waiting on a response from the original company and needed an answer from the client. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. " XX/XX/XXXX Hunter Warfield Inc. emailed verification letter. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX I emailed requesting for an update on the status of my refund. 
XX/XX/XXXX Hunter Warfield Inc. emailed need me stating " in need of additional time to conduct an investigation. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 
XX/XX/XXXX Hunter Warfield has received the resolution to your dispute and we are unable to process a refund due to the fact that you voluntarily paid the account. The deletion from your credit has already been processed and if you have more questions regarding the process, please contact the credit bureaus for further assistance. 
XX/XX/XXXX I informed Hunter Warfield Inc. that I will be contacting a lawyer and the federal trade commission in regards to this matter wrongfully practice.
Product: Checking or savings account

My complaint is for Citibank, and this is my first complaint in 17 years after happily using multiple bank services. 

XXXX ) I opened my business account with Citibank sometime in XXXX or XXXX because of their promotion for new business accounts. 
XXXX ) I never used this account regularly. In XX/XX/XXXX, I needed all the money I could get and thought about closing this account with Citibank and withdrawing my funds. 
XXXX ) I tried using XXXX to transfer my funds out of this account, and at that point, Citibank removed my access online because of the fraud alert. They never contacted me to check this alert and help me with it. 
XXXX ) So I called them in XX/XX/XXXX to close my account ; while I did not get statements, do not have my account number since my online access was taken away. They looked it up with my SSN and said they had sent the request, and I will get the check to my mailing address, and the account will be closed in 7-10 business days. 
XXXX ) I kept waiting and calling them every month and hearing that the request was cancelled for some reason, but they would never communicate this. 
XXXX ) On top of all these, they started charging me from XX/XX/XXXX a {$40.00} maintenance fee, and I was told that I changed my account type to a higher performance account, which is why I see these charges - absurd, ridiculous at this point. 
XXXX ) Agent said approx, on XX/XX/XXXX, call that she could only reverse 2 charges but made sure she would call me personally if I didn't get the check-in in 14 days and the account was not closed. She also confirmed that I would not get the {$40.00} charge anymore, which was wrong in the first place. Not sure who authorized them to change my account type or start charging me. 
XXXX ) On XX/XX/XXXX, I again saw that {$40.00} was debited for the maintenance fees and today, XX/XX/XXXX, I am still waiting to hear back from Citi, get my money after 10 months of back and forth with them, and my account is still open. 
XXXX ) I have spent 15+ hours talking to Citi about this, and I am tired now. I do not have any branches in my city and can not stop by and discuss it with a branch manager. 
XXXX ) I felt to create my account on cfpb today and report this so that I and many like me can get help and banks do not take our money and accounts lightly. 

I hope to get some help and get this resolved soon.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency 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: Mortgage

We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.
Product: Checking or savings account

On XX/XX/2020 I made a purchase on the internet for a game console. The shipping was never confirmed through email so I reached out to the seller. With no reply from the seller I called USAA ( our personal bank ) to resolve the issue. The representatives encouraged me to file a dispute that would stop any further transactions and refund my money back. The representative for USAA said they would do a investigation and I would be contacted for evidence. Days later I get a phone call from the claims department of USAA requesting evidence. During this time frame I had received said package and it did not fit the description of what I ordered. I took pictures of the contents of the package for further evidence. USAA told me to send the package back to the seller and show proof. Once I mailed the package back and submitted all the evidence I was contacted again by USAAs dispute department after calling leaving a message for them to contact me. This phone call I was told I would need a second opinion letter in order to even submit my claim. The second opinion letter was to determine if what I received on the package matched the description. The evidence I had already submitted prior clearly showed this was NOT what I had ordered. I reached out to two different businesses for the second opinion letter both of which told me it was ridiculous that a bank would make this kind of requirement with submitted evidence I had already given. Neither business wanted to involve themselves with the bank due to not wanting to have legal issues. I contacted USAAs claims department back again to explain the requirement for the letter was not necessary due to already submitting the previous evidence pertaining to the case and no business would write the letter and get involved in a potential lawsuit. USAAs dispute team representative then told me the letter was not even going to be looked at it was just required. If the letter they are requiring is not even going to be read in the investigation then why is it being required to finish the investigation?! I have called USAA, reached out to them on XXXX and social media to expressed my frustration to them with no avail. The steps to protect your financial assets are just not there. This is a financial institution who thousands of our current soldiers and veterans look to for financial protection. Very disappointed to know USAA does not have Americas heroes best interest at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent credit inquiry is reporting a medical collection account from state collection services. I have been unable to verify this account and believe the balance should have already been addressed by insurance.
Product: Debt collection

XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Product: Checking or savings account

On XX/XX/2023 I opened up a Bank Account ( Checking Account ) With Truist ( where my direct deposit with be going into. ) at the time when I opened up the bank account I didnt set up a PIN or anything, The Banker said I will receive my debit card in 5 - 7 business days. A Few days later on the XXXX of XXXX I drove out of state to go visit my mother but before that I visited the branch to get a temporary debit card but was advised that my account is not eligible and then I contacted there customer services representative to see how far my debit card is, Representative couldnt find nor provide that information. On XXXX Of XXXX when I returned back home I contacted truist customer service regarding my Debit card because prior I checked my mailbox and I didnt received any mails from Truist. Representative told me my debit card was activated and that there were ATM withdrawals transactions totaling {$3000.00}. Transactions date & amount ( {$500.00} withdrew on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$3000.00}. When I asked the representative how come I didnt received a notification regarding these transactions she couldnt provide a response. I advised the representative I never received my debit card nor set up a pin that these were fraudulent transactions & that the card was not activated by me. Representative transferred me to the fraud department we filed a claim regarding those transactions. On XXXX of XX/XX/2023 Fraudulent claim was denied Twice. Truist claim those transactions were authorized by me. I told the representative I had never received my debit card nor set up a pin for ATM transactions. On XXXX of XXXX contacted truist fraud department again for reinvestigation. Once again fraud claimed denied and said thats there final decision and they will not investigate. Advise the representative I filed a police report but said that it wont do anything and I asked what specific documentation I can provided agent couldnt clarify or provide a response. Asked representative if I can contacted the USPS but said theres nothing they will be able to do regarding this claim
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. 

After reviewing my recent credit report, I have identified the following inquirie that I do not recognize or authorize : XXXX XXXXXXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Debt collection

Hi, I just received a bunch of emails regarding pioneer credit company calling people. They disclosed my personal information to at least 4 third parties, called my employer before XXXX ... more than once, I have the screen shots they sent. Because of this, they will not be asking me to work for them again they said. These credit people also called my younger sister, not a co signer or anything and someone from world bank. What the heck is going on? This is harassment and I could have ticked off ALL of the complaints for this company. All of this stress and illegal disclosures and I still have n't received any proof that this debt is mine.

I would like this company to stop harassing me immediately and to stop contacting me immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Regarding Late Payments on Credit Report We started loan modification procedures in the summer of XX/XX/2018. It took us 8 months because Bank of America kept kicking back our paperwork because they could not read my husbands military pay statements. We spoke with them on multiple occasions trying to walk them through how to read them. Finally, we were awarded a trial loan modification on XX/XX/2018. We were told to make payments by XX/XX/18, XX/XX/18 & XX/XX/18.  We made these payments on time and have proof from our bank that they were cashed. These payments are being reported as late, even though they were paid on time per the terms of the contract. Bank of America is erroneously reporting this information. We have tried fixing this thru the credit reporting agencies 2 times. We have gone to the XXXX and have still not had any positive results. B of A Regulatory Compliance Department has called me 2 times to leave a message, once on XX/XX/XXXX and once on XX/XX/XXXX. We have called back on XX/XX/XXXX ( 3 times ) ,XX/XX/XXXX ( 1 time ) & XX/XX/XXXX ( 6 times ) and are not able to get anyone on the phone. 

B of A 's lack of response and false reporting is causing issues for us as we are trying to refinance this loan to a lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Due to an error on their side, Mr. Cooper is trying to collect on a loan that was paid off before the start of their " servicing. '' They harass me via phone calls, mailed letters, and claims that my mortgage payment is " late. '' My mortgage loan was paid off in full on XX/XX/2022, but I continue receiving literature claiming that my mortgage payments are late.
Product: Debt collection

I knew i was late, i called and talked to a girl there, she first started telling me in a very loud voice about not having a grace period which i replied I know and i always pay the later fees. I also told her to inform XXXX to quit calling me at work, and that I ca n't always answer my cell phone at work but I do call them back. XXXX has repeatedly called at my work leaving messages on the company voice mail. He even left XXXX on a Saturday when he was told again not to call here.
Product: Credit reporting or other personal consumer reports

this is my complaint for the mesleading accounts, and unauthorize inquiries in my credit reporting to REMOVE. i also attached letters for FTC REPORT, Driver 's License, and proof of address.XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report as mandated by the law. 

I downloaded the paper form to manually request my credit report by United States Postal Service mail from XXXX 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on Thursday, XXXX XX/XX/year>. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on Saturday, XXXX XX/XX/year>. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.
Product: Credit card or prepaid card

XXXX is not applying payments appropriately. WHen asked they claim to apply the amount to the highest interest balance and then to any promotional balance. They offer both deferred interest promotional offers and Equal pay ( XXXX % interest ) offers. They have admitted that if you make XXXX payments in XXXX month, they will apply the payment to any equal payments twice violating their own agreements with both the equal pay and by not applying payments to the balances with greatest interest are violating the XXXX  Credit CARD act.
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal loan with used to be XXXX XXXX XXXX now they are XXXX. I guess they changed their name do a lawsuit wouldn't be brought against them like XXXX XXXX XXXX. I had XXXX personal loans with XXXX in XXXX, XXXX & XXXX. Each time the interest rate was in violation of the SCRA. I would ask why the rate was over XXXX XXXX  they would say it was to protect the loan if a soldier was unable to pay. They knew soldiers would need loans and they took advantage of that by giving XXXX XXXX interest rate. They need a lawsuit against them like XXXX. I don't know how this loan company escape without any lawsuit. Because the money us soldiers paid was ridiculous we deserve to get our money back!!
Product: Credit card

To Whom It May Concern, I am writing to file a complaint regarding an unresolved credit card dispute related to a defective laptop purchase. 

I bought a used laptop from Best Buy on XX/XX/. The device stopped functioning, and I attempted to return it on XX/XX/, but was denied. I subsequently filed a dispute with my credit card issuer on XX/XX/. 

Since filing the dispute, the charge has not been suspended, and I have continued to be billed for and make monthly payments on the laptop. Each time I check the status of the dispute, it simply states under review with no further updates or resolution. I remain willing to return the laptop, as it is non-functional. 

I am seeking clarification on two key issues : 1. Why has the charge not been suspended during the dispute process?

2. Why am I still required to make monthly payments on a product under active dispute? 



I appreciate your assistance in resolving this matter.