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

This is my several endeavors 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 alleged fraud or extortion. 
XXXX XXXX BV XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit card

I was looking at my XXXX credit report and noticed that there are several accounts listed that were not opened by me. Those accounts include : XXXX, XXXX and XXXX XXXX  I did not authorize these accounts to be opened. They are a result of idenity theft.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX  recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on since XX/XX/2019. XXXX, XXXX  and Transunion fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.
Product: Credit card

I have been issued a CITI/AAdvantage platinum Select Master card that I did not apply for.
Product: Checking or savings account

On XX/XX/year> I called Citibank to ask why my savings account was locked and I couldn't access functions such as transferring, withdrawing, deposits, account statements, and tax documents. In the past I didn't care about Citibanks lack of information/communication until I had to make a large purchase this past month for a vehicle. 

It was then when I found out through technical support that they had sent me a debit card to the wrong address/not sent it at all and seeing I never confirmed it placed me in an account hold since XXXX. This resulted in them locking my account without any confirmation or email that this had happened. 

There was no email correspondence or updates that a new card was being mailed out or to confirm the card unlike the messaging I got from XXXX XXXX and XXXX. This was a very frustrating experience that they choose to communicate like this especially with no physical branches in Arizona to discover why my account was locked. 

Calling customer service was quite good because the CSR and technical CSR found out the issue right away ( they were very professional even though I was very frustrated which I apologize about ) but the lack of communication through email or mail was very lacking. 

I'm glad I discovered this on my own as there was no message or notification that this had happened and I just assumed this was a site bug. ( There are many glitches with their UI/UX experience such as hard-to-find statements and tax information especially compared with XXXX  or XXXXl XXXX ) If I hadn't saved my tax document from XXXX I would have been stuck even longer in a locked-out limbo as there would have been no way to view my account number or information to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}. Please update.
Product: Checking or savings account

In XX/XX/2021 of this year. I had to file a police report due to the fact that my house was broken into. Upon examining what was taken I realized my wallet was stolen with my PayPal cash card, my drivers license, social security card and my laptop with all my passwords to my account, also some jewelry items I had at the time. Due to this issue I have dealt with a lot of issues with Identity theft. My PayPal account was hacked. My XXXX  was hacked. 

I contacted the XXXX Sheriffs Department, filed a police report and was advised to contact XXXX  to delete my account and that I would need to contact PayPal and inform them of any issues with my account and that they would investigate the issues surrounding the burglary. I was finally able to have my court case and the perpetrator arrested who unbeknownst to me was a neighbor who lived 2 doors down from me at the time of the incident. 

Working with PayPal I had to submit a claim due to activity showing money received by from the Department of Labor in XXXX State was being posted was then immediately transferred to multiple cards that the perpetrator had attached to my account. I immediately contacted PayPal again. 

I was able to change my email, phone number and information on my account and had secured my account. During this time from XX/XX/2021- XX/XX/XXXX I didn't have access to my account. After submitting my claim. I was informed to supply documentation supporting my claim. I supplied a police report and docs from the court. I was informed by PayPal a few days later PayPal closed the claim ( XXXX ) and I was refunded {$3700.00}. Due to the fraudulent activity PayPal has limited my account permanently to the point where I cant access the refunded funds holding me liable even though the claim was won in my favor. 

I contacted PayPal XXXX and was advised that they would allow me to add my card or bank to withdraw the funds. I have contacted support and was advised even though PayPal corporate informed them to add my card and/or bank so I would be able to access the monies stolen from me. That I would need still to wait another 6 months to receive my money even though I have waited for the outcome of this issue. This is unacceptable! 

Why should I or anyone have to pay for the acts of a criminal? All I want is PayPal to acknowledge that I did win my claim, remove the limitation on my account, allow me to attach my card, bank to transfer my money out to me or send me a refund by check and to close the account. I have attached a screenshot of the message showing the message received from PayPal stating they would allow me to have my funds and then the next minute say sorry you have to wait 180 days. I also submitted a claim to the XXXX XXXX XXXX *see attached*
Product: Debt collection

VICTIM OF IDENTITY THEFT VICTIM VIA XXXX DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA  15 USC 168i ( 5 )  ( A ) Procedure in case of disputed accuracy, you have  30 t o respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii , nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC  section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney under  15 USC section 1681n or 1681o "  Civil liability for willful noncompliance. '' Your credit bureau may be liable for :  1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court may allow 3. costs of the court action, plus attorney 's fees
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX  Experian XXXX Account XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Open Monthly Payment : {$110.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} No. of Months ( terms ) : 36 High Credit : {$4100.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Sorry but I dont have all the dates I have contacted the company more but have the chat dated which is attached XX/XX/XXXX, cant call them but tried since XX/XX/XXXX and every month to get this resolved every month explaining yes later then normal due to family situation XXXX XXXX XXXX XXXX XXXX XXXX XXXX so yes it has taken financial hit to us but never been 30 or more days late. 
Then disputed with credit bureau on these dates with no resolve and called theXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and some of the dates sent documentation.
Product: Debt collection

I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since  XXXX  my credit history is only 2 years old seems to be some type of collection agency prior to my   XXXX   XXXX   account started  XXXX  I have not had a credit card since   XXXX   so I 'm totally confused, I tried to dispute with   XXXX   abd  XXXX   XXXX  disputes have been pending since  XXXX  I tried emailing  XXXX  companies regarding the disputes with no reply I do n't know where else to go it says open  XX/XX/XXXX  no inquiry no payment history nothing showing it would be my account
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to validate how the credit bureau ( transunion ) validated the information on my credit report. I asked what was the method of verification and whom did you get in contact with. It seems like an automated response saying they investigated never explaining how or with who. After three responses still no change on my report this was since XXXX.
Product: Credit reporting or other personal consumer reports

I am listing an inquiry fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom t his may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017  and noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources listed, as well as inquiries that were removed, but have re-appeared. I have no knowledge of these unauthorized inquiries as well as the inquires that have re-appeared. This is having an impact on my  credit score a nd I am therefore seeking for all the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards,  Concerned Consumer
Product: Payday loan, title loan, or personal loan

I was grossly misled by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XXXX 2019 and after two payments totaling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
Product: Checking or savings account

On XX/XX/year>, I called Citibank to renew my certificate of deposit ending, which matured on XX/XX/year>. I was quoted a rate of 4.65 % for a 6 month CD, and was told it would be processed on the date of maturity, XX/XX/year>. At no time was I informed that the rate that the representative quoted could change, and I entered into the renewal on the basis of a 4.65 % rate. 

On XX/XX/year>, I called in to check in on the status of my CD that was being renewed because I did not see any update on my account. The rep I spoke with said it would update in a few days after my grace period, but she saw my CD renewal. 

On XX/XX/year>, I noticed my CD rate was incorrectly reflected at 3.75 % because I was quoted 4.65 %. The representative said that my CD renewal was processed on XX/XX/year>, and that per the notes from the initial representative I spoke with, my CD should have been renewed on XX/XX/year>, the date of maturity, when the rate was 4.65 %. It is unacceptable for a trade to be processed 2 days after the date it was supposed to be effective, and which is an operational error that should be rectified. 

The representative agreed and said that she would submit an investigation and it shouldn't be an issue for it to be updated and that I would hear back in XXXX weeks. At this time, had I known that the 4.65 % rate wouldn't be honored, I would have chosen not to hold up my funds in a 6 month CD and would have removed my money, because I was still within my grace period. 

I have had subsequent calls to the Citigold number checking in on status, opening cases and escalating cases on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, with no satisfactory resolution, and no updates that have been provided via mail or email. 

At the time of the original complaint, my Citi relationship manager was XXXX XXXX. He reached out to me and we spoke on XX/XX/year>, and said he would work on the complaint and have the rate updated and any amounts that were previously owed would be something he would manually update on his end. On XX/XX/year>, I received a voicemail from XXXX indicating that he was still working on it. I have reached out via email to XXXX on XX/XX/year>, and XX/XX/year> asking for an update and received no reply. 

I noticed that my relationship manager changed to XXXX XXXX, and I reached out on XX/XX/year>, XX/XX/year>, XX/XX/year> via email and received no response. 

I have asked to change my relationship manager to someone who is more responsive, and have not received a response. 

I was quoted a rate that was not honored. I have reached out and followed up multiple times, and have received no response. This is unacceptable and a misleading banking practice, and needs to be investigated. 

I would like the 4.65 % rate I was quoted to be honored on my CD, and any rate difference I received for the duration of the 6 month CD to be repaid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting a {$2.00} XXXX mortgage and reporting late payments.No such mortgage i received ever!! XXXX XXXX and XXXX XXXX XXXX completely destroyed/destroying my excellent credit score for past year. 
XXXX XXXX and XXXX XXXX XXXX reporting fraudulently, with malicious intention to extort and harras myself and my family.
Product: Debt collection

I believe its XXXX of this year, I want to purchase a XXXX XXXX online from this company call XXXX. Unfortunately I had cancel the order. I never received my XXXX a couple of days later Affirm is asking me to pay them back for the loan that I got from them, I called them several occasions that I cancel the XXXX never receive the order and they still want me to pay for it. I dont think its my fault that they want to head and paid for XXXX before it was confirm delivery or not or cancellation or not I dont have the XXXX from them I never received that order because I canceled it.
Product: Debt collection

I am filing a complaint about Portfolio Recovery Associates, they are a third party debt collection agency that purchases debt that was already charged off by the lender and then contacts the debtor threatening them with legal action if they do not pay them the amount owed from the original debt plus their added fees. On several occasions I have asked them not to contact me on my cell phone, I have even gone so far as to block the number that they call from at that time but they have an unlimited amount of phone numbers that they use to work around being blocked. They not only call me but have contacted members of my family as well as neighbors in attempts to bully and intimidate anyone that they could in order to get paid on a debt that they have no contract with me for and was already settled with the original lender.
Product: Credit card or prepaid card

I received an ad to apply and pre-qualify for a American Express credit card, after going through and getting prequalify for three different cards I applied to only find out my application was denied. I contacted their customer service to go over the situation, they stated that because of my credit score my application was denied. This is something they were able to review when I went through the pre-qualification process and performed a soft inquiry on my credit report. This seems like a bait and switch to get a persons foot in the door with the pre approval and listing the cards that you qualify for them denying a person after they apply.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Prepaid card

BofA prepaid CALIFORNIA XXXX disputing fraudulent transactions claims department knowingly handling disputes through individuals without any background check. 
Consent order entered into with the Office of the Comptroller of Currency & The Treasury Department ordered BofA to pay XXXX Individualized Review Process compensation resulting from financial harm. Regulation E investigating disputing fraudulent transactions freezing & blocking accounts without any investigation using XXXX  Federal Tax Information opened accounts in other states attempting to garnish accounts causing harm credit bureau reports. Only after an XXXX going over a {$20000.00} discriptency unemployment insurance administrative LAW judge discovering. I further explained on this account and all transactions pertinent official registered filing documents power of attorney supena by the XXXX XXXX XXXX. XXXX of Financially Protected interest XXXX XXXX income-tax withholding accounts sol proprietorship liability insurance. XXXX XXXX on XX/XX/XXXX new business formation course graduation when paying for my policy to find once again fraudulent transactions through the claims department. 2021 XXXX with fraudulent paperwork from BofA falsified date & claims cunsumer Regulation E violations. Now I'm in my fourth stage of individualized review process for compensation. I just wanted to have this official complaint for the original class action, involving judgments court orders Bank of America to pay Consumers Millions. According to the manual for the Office of the Comtroller of Currencie chapter XXXX on institutions ordered to pay individuals cunsumers figures are quite clear.