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

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$760.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Previously I have filed complaints against USAA with the CFPB, however I have tried to include multiple violations of consumer laws per complaint. In reply USAA has failed to fully discuss each complaint and glossed over others. So I find it necessary to open a complaint for each individual violation. In XXXX 2016 I was the victim of identity theft and credit card fraud. The fraudulent charges and billing errors were immediately reported to USAA. According to eRegulations 12 CFR Part 1026 ( Regulation Z ) Paragraph 13 ( c ) ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. <P/>FINALITY OF ERROR RESOLUTION PROCEDURE. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. Similarly, if a creditor fails to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted, or otherwise fails to comply with the error resolution procedures set forth in 1026.13 ( f ), the creditor generally must credit the disputed amount and related finance or other charges, as applicable, to the consumer 's account. <P/>USAA repeatedly has refused to answer for the violation of this time frame as they decided to randomly reverse the billing error a year after correcting the error. As they are way outside the allowed time frame this should be illegal. Furthermore, USAA failed to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted. I have made multiple requests for all documentation, a detailed written explanation and filed a complaint with the CFPB regarding this refusal to provide documentation. I have not even received a statement displaying, outlining or explaining the charge backs. The sum of charge backs is also MUCH higher than reported by USAA in response to CFPB complaints. this they have failed to comply with the error resolution procedures set forth in 1026.13 ( f ) USAA has refused to answer for this violation, repeatedly glossing over the timeline allowed by law, stating falsely that I reported multiple fraud claims, which were actually all re-entered by USAA agents in attempts to fix the previous agents errors. Additionally, USAA states their investigation results a year later. None of this actually has any bearing on the procedures, timelines and resulting violation of the laws listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are in violation of deleting several accounts ; then add the same account back on my credit report. I dispute my these accounts, and Equifax and XXXX were not able to verify the information. This accounts were detailed, and they added back on my credit report. 
1. Validate inaccurate/reported late payments XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 2. XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 3. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 4. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 5. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6. 
Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed
Product: Credit reporting or other personal consumer reports

All these hard inquiries were done without my consent. When I asked for written proof I was not given any. Please delete these inquiries off my credit report. 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

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Checking or savings account

I opened my account around XX/XX/XXXX, and in early XXXX, I initiated a transfer. The Citi Bank app showed that the transaction was pending review. After some time, I received an email from Citi notifying me that the transaction had been canceled. I attempted to log into the app to find out the reason, but I was unable to access my account. I tried calling the customer service number on the back of my debit card, but no matter how many times I tried, I couldnt pass the verification process. The automated phone system didnt offer any other options either. 

At this point, I realized that Citi might have closed my account without any prior notification or warning. I was confused and distressed, as my account still had over {$20000.00} in balance. Since I wasnt in the U.S. at the time, I was very anxious but couldnt get in touch with Citi for help. It wasnt until late XXXX that I finally received a letter from Citi stating that my account had been closed. The letter said that if I wanted to retrieve my funds quickly, I should call XXXX and press option XXXX. 

On XX/XX/XXXX, I called and spoke with Citi representatives, but after many back-and-forths, I was told they couldnt provide a reason for my account closure or return my funds at that time. The only thing I was told I could do was wait, as mentioned in the closure letter, which said the account would be officially closed within 60 days, after which a check would be mailed in approximately 30 business days. This means it could take over 100 days before I could access my money. 

This situation is completely unacceptable. For an account that was barely used, to have my funds frozen for over 100 days without explanation is a severe disruption to my personal life. It feels like a blatant disregard for my personal property and financial well-being, all under the guise of compliance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX submitted disputes to Trans Union and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I learned that my personal information including my SSN may have been compromised by Equifax. This is absolutely ridiculous. They took 2 months to notify the public of this massive breach which affects half of Americans. They needt o be held accountable for their actions and inactions. They hold the most sensitive information for consumers and do not hold it securely or with integrity. They are only offering free credit monitoring for one year ( and only with opting out of a class action lawsuit ). Our SSNs and DOBs stay with us for over a year ... are we expected to continue paying for their mistake for the rest of our lives?
Product: Credit reporting, credit repair services, or other personal consumer reports

-Experian Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX  Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX  , PA XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving XXXX/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX XXXX XXXX/Citibank XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX XXXX  XXXX Fraudulent Inquiry XX/XX/XXXX - Synchrony Financial - Fraudulent Inquiry XX/XX/XXXX - Syncb/Amazon - Fraudulent Inquiry XX/XX/XXXX - Syncb/Amazon - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - XXXX 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- XXXXXXXX XXXX  withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted XXXX/Citibank/and XXXX XXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay XXXXCitibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX XXXX XXXX XXXX the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX XXXX XXXX retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX XXXX 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to XXXX XXXX
Product: Debt collection

XXXX XXXX from Oracle Financial or Unified PS Group. She left me a message stating that they were trying to reach my sister, XXXX and that she was being investigated for Fraud and that the debt was tied to my social security number. When I called her back at XXXX she was very rude, and would not give me any information on the debt. She also would not give me an address of where her business was. I requested that she stop calling me and she proceeded to tell me that she could not do that. She said she was on a conference call and would call me back, I told her not to bother and then she hung up on me. She has called me 7 times since XXXX/XXXX/15. I have not given her any of my personal information but my sister has. When I googled XXXX XXXX and the phone number, it comes up as a scam. Please shut these people down! At minimum, have them stop calling me!
Product: Credit reporting or other personal consumer reports

I requested an investigation into two fraudulent items listed on my credit report. The matter is still not resolved, and I was never notified of an update. It has been more than 90 days since I initially inquired. I submitted proof of legal identity, via driver 's license and social security card and my official registered identity theft report, listing the fraudulent activity. Despite that, nothing has been removed or resolved. 
The fraudulent items listed under my social security number, using a false name are : XXXX and XXXX. 

Their negligence is negatively impacting my credit score and my ability to obtain new and maintain existing credit lines. A simple investigation would show that the fraudulent accounts listed under my social security number do not match my legal government name.
Product: Credit reporting, credit repair services, 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. 

1 ) XXXX XXXX XXXX : # XXXX XXXX ) XXXX XXXX : # XXXX 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 an 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: Credit card

In XXXX of XXXX I started to notice transaction fees and cash advance interest charges on my Chase Visa Credit Card account statements. Ive never used my card for cash advances, but apparently when credit card transactions are processed on XXXX, they are processed as cash advances which carry {$10.00} transaction fees per transaction and begin to immediately accrue interest. The transaction is not presented to consumers by XXXX or Chase, it looked like a normal transaction. This is deceptive in nature, if Im going to be incurring high interest rates and transaction fees, it should be clear to the consumer, which this was certainly not. I am also upset that the limit available to me for cash advances was increased without my permission, only making room for the catastrophe to get worse. This entire process feels like a scam, you can see by looking at my credit history that I dont use the card for cash advances and never would have authorized the transaction if I knew it would incur fees and interest. I asked them to have a fraud investigator represent me in research the fraud Chase and XXXX are committing and was declined to be transferred to a fraud specialist that could perform the investigation.
Product: Vehicle loan or lease

I purchased a XXXX Honda XXXX in XXXX of XXXX. It was a lease program with a balloon payment system. I paid on the lease every month in a timely manner, never missed a payment and never late. My payment records with Honda Financial will reflect this. At the end of my lease maturity ( XX/XX/XXXX ) there was lapse in when my payments for the lease ended and hearing from Honda to refinance my car via a loan through their bank. I did not hear from Honda for refinancing until XXXX of XXXX. I was sent refinancing paperwork which I signed and sent in. I also made payments on the vehicle in XXXX, XXXX, and most recently on XX/XX/XXXX. On XX/XX/XXXX I received another phone call from Honda Financial stating that they hadnt received my signed refinancing paperwork and that it was very urgent I sign and return them. I explained that I had sent them weeks ago, and requested that a new set be sent immediately so I could sign and return them. They did not mention on the phone call that my account was delinquent in any way. On XX/XX/XXXX, the next day, my car was seized for delinquency. When I called Honda Financial, the only explanation they gave me was that my account was delinquent. I explained that I had requested new paperwork because the first set mustve gotten lost in transit to them. Just to reiterate, I was still making monthly payments on the vehicle even though the paperwork was not in place. I never defaulted on a payment. After waiting the 24 hour time period for them to update my account, I called back and they stated that I could only retrieve my car by paying the total amount due ( over {$14000.00} ) or having my car refinanced through a different lender. Nearly three years as a consumer at this finance company, never missed a payment or delayed a payment, and my car was taken from me over paperwork that got lost in the mail. They have my physical address, email, etc and I never received any notice that this was happening. Im truly at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed several hard inquiries on my credit report that I did not authorize. I will list all unauthorized inquiries : XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 These inquiries were not authorized by me and are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX  Report#XXXX XXXX XXXX,TX XXXXTrans Union LLC file#XXXXXXXX XXXX XXXXXXXX,PA XXXXXXXXXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX  account#XXXX Charge off balance XXXXXXXX  account#XXXX charge off balance XXXXXXXX  account#XXXX  charge off balance XXXX
Product: Prepaid card

I have contacted American Express Serve customer support in regards to my account being inaccessible. 
I am unable to login to my account and am also unable to transfer monies in-app as well as via website. 
XXXX ( XXXX ) USD deposits each XXXX in the amount of {$500.00} to equal a total sum of {$1000.00}. 
These funds remain inaccessible to date as I am unable to use these funds in any manner due to the account being permanently frozen by Amex Serve Support staff. 
I was instructed to write a Letter of Indemnity ( LOI ) which is not necessary as these were cash deposits via in-app generated barcodes. * ( SEE ATTACHMENTS ) ( PROOF OF PURCHASE/DEPOSIT ) Please I would greatly appreciate some assistance in the retrieval of funds. 
Thank you so very much for your time and assistance regarding this very important matter. 
Sincerely, XXXX XXXX XXXX XX/XX/24
Product: Debt collection

I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.
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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>