23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, a charge of {$82.00} was added to my card. My card was stolen and this was a fraudulent transaction. However, my credit card is telling me to contact the merchant for a refund, whom, I don't know since the I never made the purchase
Product: Credit reporting

wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, thank you
Product: Credit reporting or other personal consumer reports

Hi, On XX/XX/XXXX, ALTISOURCE/LENDERSONE pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Once more, I find myself entangled in identity theft, and I am urgently requesting the removal of fraudulent entries from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to expunge these entries within four business days. I have previously documented these items in my correspondence, and I am reiterating them here for clarity. Furthermore, the details associated with these entries are unfamiliar to me, and they have been successfully expunged from other credit bureaus. I question the accuracy of the information provided. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

The bank returned my mortgage payment when there was sufficient funds in the account. 
The fees for returned items ( two times this month ) leave the account without enough money to reprocess the payment, even though there was enough money in the account when the check was processed. 

See XX/XX/17 - XX/XX/17 {$11.00} balance -- - no account minimum.
Product: Credit card or prepaid card

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe {$1700.00}. How I could owe {$1700.00} when I never received the card in the mail.
Product: Student loan

I contacted Navient last XX/XX/XXXX to request to lower my student loan payments because I had cut my hours at work due to Covid-19 and homeschooling my son but I was denied. This was actually my XXXX request to do so. XX/XX/XXXX, I was diagnosed with XXXX and a month later admitted into the hospital for in patient XXXX for a blood XXXX and a XXXX XXXX  that was found unexpected. The next several months were a whirlwind. Covid peaks, no family allowed in the hospital, XXXX XXXX, XXXX, XXXX XXXX, I was going through quite a bit. XX/XX/XXXX, I started receiving phone calls every other day, emails, voicemails, etc threatening student loan default and next step I would be sued. I explained to Navient that I was in the hospital undergoing treatment and out of work. I could barely walk and requested a forberance, hardship or something to push payments until I could go back to work. I was advised these were private loans and nothing could be done. XX/XX/XXXX I started receiving threatening calls from an insensitive gentleman that asked me why did I take a loan if I couldn't pay it back. He said my loans had defaulted and it was his job to collect payment or send my file to an attorney to sue me. I advised him of my health condition and was told his dad had XXXX and that was no excuse. He asked if I had received any taxes and asked did I want a settlement for I believe 70 % of the amount or he stated I could give him $ XXXX {$8000.00} down and make payments of $ XXXX. I tried to explain to him that due to treatment ( unexpected diagnosis ), not working, I had fallen behind unfortunately on almost all of my bills but when I submitted paperwork from my doctor, everyone worked with me including my housing. He proceeded to tell me I needed to borrow the money from someone or talk to my parents. I advised him my dad was deceased. I was so stressed out after he called 3 times in one week, I called Navient and asked for a supervisor to take over my account and I was told there was nothing they could do. I asked if they were aware of the lawsuits pending from XXXX XXXX ( who made the loans ) and they said there was nothing that could be done. I inquired if they had any XXXX relief options, they said I did not qualify for anything. I asked why was I receiving emails to call about options to lower my payments but when I call there are no options.
Product: Credit reporting

Equifax has reported both a freeze and Insufficient credit history on my credit report. This caused problems with my local bank, which refused the issuance of a credit card, and in addition caused refusal of a rental agreement with a community in XXXX XXXX Fl. I have tried to resolve this problem since XX/XX/XXXX without success. Equifax refuses access and correction of my report. Needed documentation was mailed to them via certified mail on XXXX occasions with result being that I receive the same documentation asking me to provide proof of identity which I have provided over and over again. My last request to them on XX/XX/XXXX generated the SAME document, dated XX/XX/XXXX. I have attached all documentation including the last received document dated XX/XX/XXXX. I need to say that credit reports from " XXXX '' and " XXXX XXXX '' reflect my correct data. The attached file shows all documentation provided to Equifax.
Product: Payday loan, title loan, or personal loan

Hello, I am making an formal complaint against Synchrony Bank and their customer service rep, XXXX. On XX/XX/2019, Synchrony Bank unjustly closed my Carecredit account for an bizarre reason. When I have learned about them closing my account ; I tried to talk with their customer service rep, XXXX but he spoke in very rude matter and told me that he was going to address my concern with XXXX. I came back in 15 minutes later, i spoke to XXXX and she told me they alleged me close my account due too many return payments. My XXXX payment was sent back once. I am trying to figure out what happened?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear waypoint resource group llc I am writing in response to your [ letter/call ] dated XX/XX/year>, regarding the alleged debt with account number [ XXXX ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt, including a copy of the assignment contract demonstrating your legal right to collect this debt.

Please provide the following information : 1. Validation of the Debt * The name and address of the original creditor.

* The date and amount of the alleged debt.

* An itemized accounting of how the balance was calculated.

2. Proof of Assignment * A copy of the original assignment contract that explicitly grants your agency the authority to collect this debt.

* Documentation showing the chain of title from the original creditor to your agency, including any previous owners of the debt.

3. Verification of Your Authority * Proof that you are licensed to collect debts in my state.

* Your debt collection agencys license number and the name of the issuing authority.

Pursuant to the FDCPA, I request that all collection activities cease until proper validation is provided. If you can not furnish the requested information, I expect that you will cease collection efforts and update any relevant credit reporting agencies accordingly. 
Please respond to this request within 30 days. Any future contact regarding this matter should be made in writing only. 
Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through XXXXXXXX XXXX XXXX  that stopped reporting updated information. Back on XX/XX/2021. I filed a dispute to get updated payment history and update the file. But instead of updating the info TransUnion removed the loan completely from my report causing my score to drop 50+ points over the past month or two. Just wanting to get the loan back on my report and updated so I can continue building credit and get myself a new vehicle.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX on Cash app {$50.00} was sent to XXXX XXXX transaction number XXXX I had sent the money for what was supposed to be a discounted hotel room but when I got to the hotel, no room had been reserved. It was all a scam. Im submitting documents to show that I did not get the refund I requested instead of him getting the discounted room I got blocked. On XX/XX/year> at XXXX XXXX  {$20.00} was sent to XXXX XXXX transaction number XXXX I do not know this person and I did not make this transaction. Im submitting documents showing that they were not in my contacts nor people that I know. I believe someone got on my phone and sent the money when I wasnt paying attention. On XX/XX/year> at XXXX XXXX  on Cash app {$10.00} was sent to XXXX XXXX transaction number XXXX also on XX/XX/year> at XXXX XXXX  {$30.00} was sent to XXXX XXXX transaction number XXXX I do not know who this person is and I did not make these transactions. Im even submitting documents to show that this is not a person I know, nor are they in my contacts and that they declined my refund request as well. Finally on XX/XX/year> at XXXX XXXX  {$38.00} was paid to XXXX XXXX XXXX I do not see a transaction number for this purchase, but this is a company that Ive never had an account with my ex used XXXX XXXX and I believe he got on my phone to pay his bill, but I did not give permission for him to use my card so I would really like my money back for this unauthorized transaction. Im submitting documents to show that I have no other purchase history with this company also.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debt was settled with the originator and the collection agency will not pick up the phone to discuss removal of the debt from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXXXXXX ACCOUNT XXXX  XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Debt collection

Was contacted about a medical debt owed by a third party collection company contacted via telephone to send a list of debts owed and amount was sent an amount owed with original creditors name and account number and collection agency name and new account number with an amount but no breakdown of what services i received and their costs I have a right to privacy did not authorize any organization to report any information falsely on my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed there was unauthorized account by the name of XXXX XXXX XXXX XXXX this account was opened XXXX of XXXX  and closed around XXXX of XXXX, this account balance is for {$3700.00} and has past due balance of {$1400.00} and is currently affecting consumer report negatively and has been very upsetting and troubling to deal with. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Student loan

I don't have any outstanding issues as of now. I am making this complaint in public interest. My complaint is that it is super hard to contact Mohela to get information. One has to wait for around XXXX hours on the phone to get in touch with someone at Mohela. 

After trying to get in touch with Mohela over many days in vain, i took one day off from work specifically to call them. I contacted Mohela, my student loan service provider via phone for information on student loan on XX/XX/2022. I called on their number XXXX. I was put on hold for XXXX hours and XXXX minutes. 

While I was able to get in touch with customer service at Mohela on XX/XX/XXXX after the XXXX hour wait, I had to forgo my income for that day. I am sure that many people are struggling with the same issue. When i asked the customer service person why there is such a long wait, i was told that it is due to the high call volume. In contrast calls i made to XXXX XXXX XXXX ( my first provider before loans got transferred to Mohela ) where answered in less than 10 minutes. I am sure than such a long wait time for Mohela is to dissuade people form contacting them.
Product: Money transfer, virtual currency, or money service

A fraudulent account was opened with my identity and my credit card details. Also, they had my cell number and my home address. An attempt was made to do an international money transfer to XXXX. I contacted the company, they have shut down the account. 
I strongly recommended to them that they need a more rigorous identity verification in order to open accounts.
Product: Mortgage

On XX/XX/XXXX, I went to a local CitiBank office located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX to move forward with PMI removal. The banker stated he was not aware of how to get this completed but would put me on the phone with a mortgage specialist. I was led into one of the offices at CitiBank and he put me in contact with a mortgage specialist via phone to CitiMortgage, who informed me that he would have someone get in contact with me who would be able to assist me with this request. For a month, I had not heard from anyone from CitiMortgage. This is not the kind of customer service I have been provided in the past ; I have been a loyal and timely customer for a decade. 
On XX/XX/XXXX, I called into CitiMortgage and was informed by the CitiMortgage representative that the PMI was removed. When I called XX/XX/XXXX to confirm the PMI was removed, I was told the opposite. The CitiMortgage representative now stated the PMI had not been removed and my rate had adjusted which was the reason my payment had gone down. They further informed me I would be required to fill out paperwork and have an appraisal completed even though the balance is under XXXX % loan to value. 
Per the Homeowners XXXX XXXX of XX/XX/XXXX, I have a right to request PMI removal once the unpaid principal balance reaches XXXX percent of the original value based on the current amortization schedule and having paid the mortgage on time without an appraisal. I purchased my property in XX/XX/XXXX, at an appraised value of {$430000.00}. My current unpaid principal balance is {$340000.00}, less than XXXX percent of the original value. CitiMortgage informed me that my PMI was removed as my payment had gone down. Only when I called in the following month did CitiMortgage then reneged on their previous statement. I have complied with my obligations and have paid my mortgage on time with additional payments to get it under XXXX % loan to value.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named West Creek Financial is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted West Creek Financial directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.
Product: Credit reporting or other personal consumer reports

I sent a fraud affidavit to the original creditor, XXXX, that the {$400.00} charges were not mine. It was something like {$200.00} at XXXX XXXXXXXX it ton or something when I lived on Florida have never been to a XXXX XXXX  and did not make these charges.
Product: Checking or savings account

CFPB case number : XXXX I got the respond from citibank and still not receive the XXXX bonus as they promised in the response in the previous case ( CFPB case number : XXXX ). 
I am trying to call the number in the letter never got answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation sent the police report and idtheft gov inaccurate information on my credit costing me my life and consumer billion of dollars XXXX  breach has caused all this
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following bankruptcies were fraudulently added to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the following fraudulent inquiry : XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with PORTFOLIO RECOV ASSOC. I do not have a contract with PORTFOLIO RECOV ASSOC. They did not provide me with the original contract as requested.