23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently release from prison and checked my credit and found collections that I am not responsible for. I was a victim of id theft. The collection is from COLLECTION BUREAU OF F Original creditor. Below is a copy of transactions. 

ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$260.00} {$260.00} Payment Info Original balance {$260.00} Balance {$260.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Checking or savings account

I am a Citigold Account. I got a letter from Citi on XX/XX/2020 said that my accounts is closing thirty to sixty business days, Citibank will issue you an official check for that balance to the address on file and not giving me any reason. From that day, both of my accounts are blocked and I can not withdraw, transfer or make payment from my accounts anymore. 

I called Citibank customer support many times and visited citi branch and still not get my money back. 

Then after almost 4 months, on XX/XX/2020, I checked my accounts and saw Citibank withdrawal {$130000.00} from my account ending XXXX and {$1800.00} from my account ending XXXX. Total of withdrawal is {$140000.00} ( Image proof of withdrawal I took the screenshot from my account on Citi website 1XXXX ) On XX/XX/2020, I got a check from Citibank by mail only {$120000.00}. Not total of my savings balance of {$140000.00}. 

I attached a lot of proofs showing my accounts balance : My daily alerts summary by email ( daily-summary-email.XX/XX/XXXX) My daily alert summary by sms text message ( daily-summary-text.XXXX XXXX My XX/XX/2020 statement XXXX XXXXStatements.pdf ) And other proofs as well. 

Please review my accounts please?
Product: Credit reporting or other personal consumer reports

For the credit report XXXX XXXX XXXX XXXXXXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had negligent security protocols on sensitive information related to me. According to their website, my information was likely affected by the breach. I took action to freeze my credit on each of the credit reporting sites on XXXX XXXX, 2017. This mishandling of information may very likely lead to identity theft of myself and millions of other Americans.
Product: Debt collection

On Experian it states the I owe {$310.00} to collection that was past due to XXXX XXXX XXXX XXXX, account number XXXX. The date opened was XX/XX/XXXX, however I was locked up from XX/XX/XXXX until now so the is a result of identity theft and I wanted it disputed but Experian stated that the debt to collection remains
Product: Mortgage

The second Mortgage did and illegal foreclosure sale on XX/XX/2021 2 bidder bided and not one at this date own my property but me and I am in limbo about this mortgage company State Bridge it only had my note for 0ne year, just because it change servicer hands from XXXX XXXX up to now I do not know at this time what action to take I have being residing, in my home for 20 years + their has been many complaint about this company State bridge wrongfully foreclosing illegally on the second mortgages of other their should be and open investigation asap.. 


Sincerely Yours Concerned Client
Product: Vehicle loan or lease

I received this, and do not understand, as I have never done business with this company. 

Dear TD Auto Finance Customer, Your one-time payment made on XX/XX/year> XXXX XXXX ET of {$2500.00} was successfully processed for account ending in XXXX. 

Here are the details of the payment : Confirmation Number : XXXX Payment Amount : {$2500.00} The payment was funded from the following payment account : Checking Account Number ending in : XXXX Please save this confirmation for future reference. 

If you have any questions regarding this transaction, please contact TD Auto Finance toll-free at XXXX. 

Thank you, TD Auto Finance Please do not reply to this message. Replies to this address are routed to an unmonitored mail box. 

TD Auto Finance XXXX XXXX XXXX. 
XXXX XXXX, MI XXXX TD Auto Finance is a division of TD Bank , N.A . 
The TD logo and other trademarks are the property of the XXXX XXXX or its subsidiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account & a few hard inquiries on my credit report that I do not recognize
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Complaint # XXXX Submitted on XX/XX/XXXX Dear CFPB, I am writing to address the response from TransUnion dated XX/XX/XXXX, concerning my complaint regarding unauthorized credit inquiries. While TransUnion has acknowledged my concerns, their response fails to resolve the issue adequately or comply with the Fair Credit Reporting Act ( FCRA ). 
Key Issues : 1. Failure to Verify Permissible Purpose TransUnion advised me to contact the companies directly but did not provide evidence of permissible purpose for the disputed inquiries. Section 604 of the FCRA explicitly requires that inquiries must be supported by documentation proving permissible purpose. If TransUnion can not verify this, they are obligated under Section 611 to remove the inquiries from my report.

2. Inadequate Investigation The response indicates a lack of thorough investigation. My complaint and supporting evidence made it clear that I did not authorize these inquiries. TransUnions duty as a consumer reporting agency is to contact the furnishers of this information and obtain proof of authorization, not to redirect the burden to me.

3. Retention of Unauthorized Inquiries While inquiries remain on reports for two years, this timeframe is irrelevant if the inquiries are unauthorized or unverifiable. TransUnions refusal to remove them despite the absence of validation undermines the FCRA 's intent to ensure accuracy and fairness.

Requested Action : I request the following actions be taken to resolve this issue : 1. Provide documentation from XXXX and XXXX XXXX XXXX demonstrating permissible purpose for the inquiries in question.

2. Remove the disputed inquiries from my credit report if such documentation can not be produced.

3. Confirm the removal of any unverifiable information and issue an updated credit report reflecting these changes. 



If TransUnion continues to fail in providing the required documentation or removing the unauthorized inquiries, I request the CFPBs intervention to ensure compliance with the FCRA and to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I moved from stonebrook apartments homes in XXXX XXXX in XX/XX/XXXX. After moving into my new apartment home I received information of a balance being owed to the apartment company for dirty carpet. After this information was received, I called multiple times to gain an understanding of the situation because upon moving out I cleaned the carpet. I never made any progress with the company so I paid the debt in XXXX of XXXX due to it being added to my credit report. Although the account was reported in error I paid off the full balance in XX/XX/XXXX and the account should be deleted. Since the original creditor was unresponsive to my many attempts to get this resolved, I assumed that the collection agency would removed the account after receiving payment due to the unresponsive and error of the original creditor.
Product: Checking or savings account

USAA keeps rejecting my payments even though I have money in my account to cover my payments. Then they charge me XXXX XXXX for each rejected payment. They charged me XXXX in rejected payments, even though I have money in there for my payments. this is nuts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to XXXX  on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.
Product: Checking or savings account

The following pertains to a 9-mo Wells Fargo CD for roughly {$100000.00}. 
XXXX - The CD matured. 
XX/XX/XXXX - I called Customer Service, who agreed to roll the funds into my Savings account. 
XX/XX/XXXX - I called back to confirm the funds were moving and was informed the previous agent hadn't submitted the forms correctly but they'd now been re-submitted and would close in 2 days. 
XX/XX/XXXX - Called back and was referred to a Customer Care representative who stated that there was nothing he could do as the CD was now out of the grace period. He then suggested I go into a branch office to try and resolve it. Logistically, this is a problem and is contrary to what the branch executive told me prior to my calling Customer Service. He then offered to have a member from their Case Management Team would contact me in 48 hrs because he was out of options. 
I have all names and times of my contacts.
Product: Credit reporting, credit repair services, or other personal consumer reports

this Hard Inquiries comes on my credit report would like it to be removed XXXX XXXX Inquiry : XX/XX/2018 + XXXX Inquiry : XX/XX/2018 - XXXX XXXX, XXXX Inquiry : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  incorrectly reported late payments to all  XXXX   (   XXXX   ) maj or credit bureaus  (   XXXX ,  XXXX  and TransUnion  ) alth ough the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 v ia facsimile and  US mail  to no avail.
Product: Credit card

I have always ensured timely payments on this account, never letting them become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little less than a year ago I went into XXXX and was offered a job for which a background check would be ran. As required by law I did not disclose information greater than 7 years old. The background check company used information greater than 7 years, claimed I lied about having a XXXX, which I didn't report because I didn't legally have to. Even though the XXXX is mine it is not legally required to be reported if it's over 7 years old in XXXX county, They claimed they found it and I didn't report it which ultimately cost me the job. 
I live in XXXX, Arizona. The XXXX is located in XXXX County which has rules against this .... 
This is the second time I am reporting this, You denied me the first time saying " The XXXX  was accurate '', but of course it isn't because its outside of the legal 7 years ... I can't find the final denial letter you sent me the first time and you don't seem to have a copy yourself to send me so I am refiling this a second time ... I hope we can get this resolved.
Product: Debt collection

I asked for validation of debt over two months ago. They said it would take one week in XXXX and I moved out over a month after in XXXX and still didn't recieve any validation. They refuse to send me any information over email as well
Product: Credit reporting or other personal consumer reports

SYNCB/AMAZON fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). SYNCB/AMAZON is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

accounts marked closed with multiple date of opening not reporting same information on the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when  such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against Equifax and XXXX for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. XXXX failed to respond at all and I still have not received any paperwork from them at all.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion, and XXXX XXXX, has failed to investigate my disputes annd unauthorized inquiries under the fair credit reporting act. I have disputed this information XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The consumer financial protection bureau has recently filed a lawsuit against XXXX for not investigating, passing information for investigations, excepting unreliable responses, and not notifying consumers. Also, XXXX, XXXX, and Transunion have reported over the past two years of data breaches on all consumer accounts, including mine. These failures with XXXX, XXXX, Transunion, and XXXX XXXX are aligned with what the lawsuit is currently about. This is causing great harm to my livelihood, credit standing, housing, employment, and health and well-being. I am requesting immediate correction and removal of the disputed accounts, freeze on all of my credit reports. They are in violation of federal law and my consumer protection rights.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited XXXX of XXXX in Arizona after work, arriving around XXXX pm. I was particularly interested in the XXXX XXXX XXXX, having leased XXXX back in XXXX and loved it. However, I was open to exploring other models based on pricing. After sitting in the XXXX, I found it a bit small and requested information on the XXXX  XXXX Coupe. Unfortunately, that was out of my budget. I am purchasing another home next year, and I don't want my car payment to exceed a certain amount. I ultimately decided to go with the XXXX XXXX XXXX. 

After my credit was pulled, I waited to meet with the finance team. At about XXXX, I finally sat down with the finance manager ( XXXX XXXX XXXX  ) to sign the documents. However, he informed me that we couldn't complete the transaction that night due to the fraud alert on my credit report. He assured me that Mercedes Financial would contact me the next business day, to lift the fraud restriction. Given that my home is XXXX minutes away and I had to get up for work the next morning, I was understandably exhausted. 

On Tuesday, XX/XX/XXXX, I received no call from Mercedes Financial, so I decided to reach out to the dealership around XXXX. I spoke with the General Manager XXXX, who was kind enough to call Mercedes on my behalf. He was informed that my financing was blocked because multiple applications with varying information had been submitted under my name in XXXX. This was a result of Identity theft, which clarified the issue. I would appreciate your assistance, and clear me for leasing again, with Mercedes Financial. I am a loyal customer who previously purchased in XXXX and leased a vehicle in XXXX. Currently, I am without a vehicle, having sent my car to my niece last Tuesday, who is attending college. Your prompt attention to this matter would greatly be appreciated.
Product: Debt collection

Dept. of Ed/XXXX {$.00} Dept. of EdXXXX {$9700.00} I gave no authorization for my information be shared to a 3rd and the balance isnt accurate. 
State Employees Credit u {$230.00} Im unaware of any balance again no authorization was given to share my information also invalid information such as addresses etc XXXX {$720.00} XXXX XXXX XXXX {$410.00} I gave no authorization for my information to be submitted to any other agency XXXXXXXX XXXX XXXX {$1100.00} I gave no authorization for any of my information to be shared third party incorrect addresses information etc
Product: Credit card or prepaid card

I used my Citibank MasterCard to purchase a ticket on XXXX airlines on XX/XX/2020. In late XXXX, they cancelled the flight and they provided me with an email assuring that they would refund the fare. They did not. I filed a billing dispute with Citibank. Under the fair credit billing act, a charge for a service not rendered is an invalid charge and is mandated to be refunded. Citibank contends it is an honor system and that they can not reverse the charge. They can only ask to airline to refund. The airline refused their request, despite my providing the written email from the airline assuring a refund. Citibank says I need to sue the airline, which is impossible because they are overseas. The amount is {$100.00}.
Product: Credit card

Capital One 's abrupt policy change to only accept bank routing numbers for credit card payments has unfairly led to late fees, harming customers and potentially damaging their credit scores
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as it seems like Equifax is blatantly ignoring my requests to delete a bankruptcy Chapter XXXX # XXXX that is on my report. On XX/XX/XXXX I sent a dispute to delete this bankruptcy informing them of all the errors that this entry had and on XX/XX/XXXX they sent me a response via mail stating that it was verified through XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. On XX/XX/XXXX I sent a method of verification to which they replied on XX/XX/XXXX without providing any information except that it was verified via XXXX. I then sent another dispute via certified mail on XX/XX/XXXX requesting for the removal of said bankruptcy because it was not verified, I included the letter from the Bankruptcy Court stating that the court DO NOT provide information regarding bankruptcies to the credit bureaus, and on XX/XX/XXXX, past the 30 days for response, Equifax sent me another letter stating that it was verified via XXXX. On XX/XX/XXXX I sent a final letter asking Equifax to delete this entry because it has not been verified after all my previous correspondence, along with the letter from the Bankruptcy Court, and parts of my report with XXXX where it shows that there is no entry related to a bankruptcy. To my disappointment, on XX/XX/XXXX Equifax replied stating that it was verified via XXXX. 
On XX/XX/XXXX I spoke with a supervisor at Equifax and this person was telling me that XXXX inserted this Bankruptcy on my report, which seems strange because it should come directly from the bankruptcy court. Then this person proceeded to say that in case there was no bankruptcy in my XXXX XXXX report, then XXXX needed to inform Equifax and IT WAS NOT Equifax JOB TO INVESTIGATE this entry. 
How can Equifax not provide method of verification?, how can I know for a fact that they did a comprehensible investigation if according to the last representative I spoke with, Equifax DOES NOT INVESTIGATE?, and if they verified/checked XXXX, and there is no bankruptcy on my file ( for which I provided proof ), they are still stating that the bankruptcy was verified via a 3rd party company that does not have this bankruptcy in my credit file? therefore I DEMAND THAT THIS BANKRUPTCY BE DELETED from my report IMMEDIATELY. I am attaching all the correspondence I sent to them as well as the companys response ( in which they repeatedly states that XXXX was used to verify this bankruptcy ). It seems like they are LYING and not conducting an investigation AT ALL. 
I don't think that at this point there should be no additional investigation ( Equifax had 3 months to actually provide proof/verification/reach out to XXXX XXXX and it is clear that they are not doing this.
Product: Credit reporting or other personal consumer reports

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to Experian, XXXX, and XXXX. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.