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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

issue started with hsbc i n  XX/XX/XXXX / XX/XX/XXXX  and several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  and companies are harassing and threating me. I had documents from HSBC that were  destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One  company is  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years o  ld a nd continues to come back and ruin my credit. please contact me asap  XXXX
Product: Credit card

I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.
Product: Debt collection

My personal information was compromised in 2013 and there have been consistent attempts of ID theft over the past few years. It has been realized that my information was used to obtain services with this service provider. I do not know what type of services were applied for and I have tried to speak with the debt collection company but no remedy has been given. 

I have never had or applied for service with this company and I have no reason too. I have never authorized any person to use my personal information to acquire an account with this service provider and therefore I request full validation of this account. I require the application and identification used to open this account so that it can be brought forward as evidence in my ID Theft compliant with both the CFPB and the FTC as well as law enforcement.
Product: Mortgage

I called SPS because enrollment was down at the college I work at, they offered me a forbearance until XXXX. 

Now I am being told that there is not a guarantee to help with the payments that were included in the forbearance. 

They won't accept my child support documents stating their policy states that need a court order to show child support, see attachment On XX/XX/XXXX I asked them in writing to remove my child support income and not consider it. Today they sent a letter stating the same thing, see attachment SPS allowed me to correct my start date for work but won't allow to remove child support from my application, see attached application A rep from SPS mortgage rep stated that they didn't want to help me and would rather foreclose on the house.
Product: Credit card or prepaid card

Per XXXX XXXX Visa Card Terms and Conditions. 

... You authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Mailed payments are credited on the same day received if they are received by XXXX XXXX. XXXX Monday through Friday ( excluding holidays ). Electronic and telephone payments are credited on the same day if they are received by XXXX XXXX. EST Monday through Friday ( excluding holidays ). We may apply a credit line availability hold condition to your Account in the amount of the payment until your check or other payment instrument has cleared. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed. The payment will be applied to your Account on the date we receive it in accordance with this section. We may take up to 5 business days to process any credit of other payments that do not meet these requirements, during which interest will not accrue. We may accept and process late, partial and payments marked as paid in full without losing our rights under this Agreement. 
If your payment is reversed due to insufficient funds or a returned check, we will apply a credit line availability hold condition to your Account and you may lose any special APR offers. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed for 7 calendar days after the payment is processed. The hold condition will be canceled after 6 billing cycles where no other payment reversal event takes place. 


I submitted my most recent payment on XX/XX/2018 at XXXX. After the XXXX deadline for the credit to be issued the same day which is fine. The Payment cleared my XXXX XXXX checking on XX/XX/18. Today is XX/XX/18 a full six days after the payment has cleared my account and I STILL HAVE A HOLD ON MY ACCOUNT. Banco Popular Called me yesterday to tell me that the hold conditions apply to my account without giving any explanation. Previous representatives have told me that for the next six billing cycles every payment I make will be on hold for 7 calendar days after the payment has processed. I have never had a payment reversed, therefore, that stipulation does not apply to me. I have complied with the terms and conditions and am not receiving fair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove negative accounts From Experian. 

Both medical accounts are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Vehicle loan or lease

This is not a loan, this is an investment. Company refuses to send the original contract. I was lead to believe I was getting a loan, but instead it was an investment.
Product: Checking or savings account

On XX/XX/2022, Citibank closed my account. They did not notify me of the account closure ( no email, no letter, no call ). 

I found out about the closure on XX/XX/XXXX when I couldn't log into my online portal. When I called Citibank to help me reset my password, I was met with a response that Citibank would be closing my account- they did not want to provide banking services for me anymore - and service members were not allowed to talk to me anymore followed by a prompt hang-up of the phone. After this, I called the Citibank branch in my hometown, and the banker there kept me on the line and called customer service on my behalf. He found out that the account was closed for " Fraud Absue '' despite there being no fraudulent activity. 

In the few days after XX/XX/XXXX, ( XX/XX/XXXX - XX/XX/XXXX ) I attempted calling customer service 6 times to get an answer. I eventually got to a supervisor who told me that the money would be sent to me within 60 days of the account closure and I would receive a letter detailing why the account was closed. 

I waited 61 days until XX/XX/XXXX to receive my money/letter. These never arrived so II began calling Citibank customer service again. Over the course of 3 weeks I had the issue escalated at least 5 times and was told to wait 2-5 days before calling back. I called every 2 days from XX/XX/XXXX - XX/XX/XXXX to see if there was an update and every single response I have received has been the same. The service reps or account supervisors all tell me that they have been trying to get in touch with the " back office '' but they have not been receiving a response. 

As far as I understand, the only thing the customer service/supervisors can do while sitting in the XXXX department is to send an email to the " back office '' asking them to send me a check. I have gotten confirmation from service reps that there has been no response from the " back office '' and that the issue should have been resolved by now. 

To this day, XX/XX/XXXX ( 89 days since closure ) I have still not received the funds from my wrongful account closure and have had no word that the back office has made any progress in issuing me a check. 

Please help me.
Product: Debt collection

AFNI is attempting to collect a debt that is outside of the statue of limitation. Furthermore, I was never received a verification of this debt and unaware of any attempts to lawfully notify me. I am completely unaware of this collection account.
Product: Vehicle loan or lease

I have received multiple robocalls on multiple days from this number ( XXXX ) XXXX. I have listed the dates and times below. The number has only left 2 nearly-identical voicemails. The voicemails say : This is Honda Financial services. Please return our call today at XXXX before __XXXX local time. You can also view and manage your account at Hondafinancialservices.com. Thank you. 
Dates/times calls were received : XX/XX/2019 at XXXX CST ( voicemail left XXXX XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST ( voicemail left ) I called Honda Financial Services at the phone number listed on my statement ( # XXXX ) on XX/XX/2019 at XXXX CST. The lady I spoke with ensured me my account was not late nor missing a payment. She stated she was unsure of why I would be receiving these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Equifax has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Equifax, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
Product: Checking or savings account

Citizen Bank, XXXX MA 1 ) Have checking account for more than 3yrs ; deposit {$5.00} each month and incurred no fees 2 ) Received more than one email to open a savings accountdeposit {$200.00} for 3months and receive {$200.00} bonus ; opened account XXXX and have image of completion 3 ) On XXXX, received email letting me know that my account is under review ; given this, went to my local branch and was given no info; was informed that the balance ( of XXXX XXXX will be sent to me with a letter ) 4 ) Did not receive my money or letter ; but did receive an ATM card ; thus, went to another branch ( XXXX XXXX ) for assistance 5 ) Banker checked all my records ( ie, no delinquent fees, no transaction issues, etc ) and he verified that there are no letter or reimbursement issued to me ; then I asked when will Citizen give me my money backbecause I am a XXXX XXXX patient and need my money ; he insisted that I would get my money back but was unable to give me any specific date.

6 ) Today is XXXX ; its been two weeks and no email or letter or XXXX  packet with my money.
Product: Bank account or service

I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the US Bankruptcy Court of Delaware that is located in XXXX Delaware to ask if they were contacted by XXXX or Experian credit bureaus, I was informed that no one has contacted hem on the behalf of me nor would they provide any information to any third parties. The bankruptcy court also informed me that they do not provide any information over the phone so I was very confused by the fact that both credit bureaus has stated they have verified the bankruptcy to be 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 SECTION 603 ( 3 ) ( E ) STATES ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom her or she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 U.S.C 1681-2 ( 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 informations inaccurate.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to XXXX XXXX XXXX Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.