23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had issues with their auto pay system twice in XXXXSo the two missed payments in 2017 wre their fault. not mine Since XXXX they have reported this to XXXX XXXX, XXXX, Experian as late. 

XXXX XXXX, XXXX, and Experian have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights. 

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX 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 XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed a police report over a year ago when my wallet was lost in XXXX XXXX. My report number is XXXX and since losing my wallet which contained my ID and SS card, I have had multipule XXXX XXXX opened in my name and have acquired a large amount of debt. I did not autherize the use of my SS # and my personal information to open new lines of credit within the last 24 months. 

I just pulled my current Credit Report and i found a bunch of inaccurate information! 

According to the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) ( 15USC1681-1681u ) which federal legislation gives consumers the right to dispute incomplete or inaccurate information. 

My current report is reporting inaccurate addresses and personal information that is linked and connected to credit card accounts in which i did not authorize! 

Inaccurate Info ; XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX These are the accounts that are reporting inaccurate information. I do not have any affiliation with these nor did I authorize my SS # to be used. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A Citibank American Airlines Advantage credit card was opened without my authorization. I called the bank to report the unauthorized charges and account opening. The bank initiated an investigation where the bank claims that the charges were valid and that I had to submit a payment by XX/XX/2024. Throughout this time where the account was in dispute and under investigation, I was advised by Citibank to avoid submitting any payments to the account. Towards the end of XX/XX/2024 the bank issued a letter stating to pay on XX/XX/XXXX where I proceed to submit a payment on XX/XX/2024 to be on-time for my payment. Citibank decided to report to the credit bureaus that I was past due XXXX even though I was compliant with their request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account number:XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1997, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts listed ( XXXX  {$3400.00}, XXXX XXXX XXXX {$1900.00}, XXXX  XXXX {$2800.00}, XXXX  XXXX {$2500.00}, XXXX {$13000.00}, XXXX {$7400.00}, XXXX XXXX {$7400.00}, XXXX  XXXX XXXX {$2400.00}, XXXX {$1700.00}, XXXX XXXX {$790.00}, XXXX XXXX XXXX  {$63000.00}, XXXX XXXX  {$620.00}, XXXX XXXX {$3200.00}, XXXX {$1700.00}, XXXX {$2200.00}, XXXX XXXX {$7800.00}, XXXX XXXX {$600.00}, XXXX XXXX {$0.00}, XXXX  XXXX {$1600.00}, XXXX  XXXX {$3500.00}, XXXX XXXX  {$110.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint reporting the fraudulent accounts I have discovered on my credit file, which have been reported by the three major Credit Reporting Agencies. The following accounts are in no way associated with me. I recently received a copy of my credit report and was shocked to find several accounts that I did not open and have no knowledge of. After conducting research on how to remove fraudulent accounts from my report, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file a report. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are required to remove or block any accounts listed on an identity theft report. I have neither received any money, goods, nor services as a result of this fraud, nor have I authorized these accounts. Therefore, I urgently request that these accounts be promptly disassociated from any affiliation with me : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$610.00}. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. This blocking must be done no later than four business days after the date of receipt.
Product: Credit card or prepaid card

Capital one fraudulently closed my account. I was waiting for capital 1 to take the money out my account they never took the funds I spoke with XXXX the supervisor prior before speaking to XXXX I myself another rep named XXXX XXXX verified with my bank that capital one never attempted to take a payment XXXX was the last person I spoke to and like the others he did verifies the same thing. I was told by XXXX that he was putting in a complaint to fix the problem. The next day I called my account was closed for none payment. Also they took XXXX plus points off my credit and flagged the account. On XXXX  for capital one it say never a late payment
Product: Debt collection

I have disputed and spoken with the debt collectors by phone. I have explained to them about the cable bill. All merchandise was returned yet I am still be harassed about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I took out a loan from XXXX XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor XXXX not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than XXXX days before the payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy. 
15 U.S.C. 1681Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction.

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. 1781s-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: Vehicle loan or lease

On XX/XX/year>, I signed a rental contract with XXXX XXXX XXXX for an amount of {$570.00}. Since the payment method was by debit card, XXXX made an additional charge of {$500.00}, which would be refundable once I returned the vehicle. On the same day, XXXX charged my account a total of {$1000.00}. 

On XX/XX/XXXX, I returned the vehicle as agreed, and a refund of {$1000.00} was made to my account, followed by a charge of {$570.00}. At that moment, I understood that they were charging me according to the terms of the contract. 

The problem arose when, on XX/XX/XXXX, they charged my card again for {$570.00} without any authorization. Since then, I have contacted XXXX, and although they have sent me the receipt details, they have not resolved the refund issue. In the latest communication, they told me I had to send an email from my bank confirming if there were any pending refund processes. I sent the email, and my bank confirmed that there is no pending refund process.

They refuse to refund the money that was debited from my account on XX/XX/XXXX without any authorization.
Product: Checking or savings account

39 fraudulent checks cashed on my account. My bank ( Key Bank ) wont refund the checks, and receiving bank apparently wont return the stolen money. Reported one day after the last check was deposited, two weeks from the first one. Why wont the receiving bank return stolen funds when reported in a timely manner? Are they really allowed to keep stolen funds?
Product: Mortgage

I've had to put my home on short sale 3 years ago because XXXX keeps denying that they did something wrong. I see that they are settling law suits for bogus and inflated loans. I provided all of the psperworks where my income was inflated inorder to refinance. They told me that at that time, there wad no imcome check and why did I had to provide my income with copied of XXXX and pay stub. I need to knoe who or where I can go to to have them review They have closed my case and I feel that they were XXXX XXXX me. My husband XXXX passed away and my child and I was literally out of a home. My address was XXXX XXXX XXXX, XXXX Florida XXXX. My # is XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Product: Credit card or prepaid card

US Bank is being disonest with the CFPB and myself by not directly answering my questions : Did US B ank hav e 11 recordi ngs of calls in which I allegedly participated?  Does US Bank have a method to record, store and catalog all calls to its call centers regarding credit cards. US Bank is misleading its cardholders when it states " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Ba nk claims it is using the recorded calls for " quality control purposes '' when it is using those calls for other reasons.      US Bank also claims, falsely that the signatures on the sales drafts match the signatures on my application and other documents. I hired a forensic handwriting analyst and he claimed there was no similarities, but US bank  refuses to provide their own analysis to support their specious claim.
Product: Mortgage

My XX/XX/2020 loan payment was drafted from my account on XX/XX/XXXX but Lakeview Loan servicing said they didn't receive it. After getting all of the documentation sent to them and weekly calls starting XX/XX/XXXX, they stopped responding to my inquiries. I called them at the end of XXXX, and I was told that they returned my mortgage payment to my bank in a " bulk check '' which I later was told meant they returned multiple payments without an explanation. Nobody could answer why it was returned, just that the " check was in the mail '' on XX/XX/XXXX. To date my bank has not received the check, and I have not received credit for this payment that I am still out. I had to submit another payment to keep my account from being reported, but I still do not have my money back.
Product: Debt collection

XXXX XXXX. 
They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!