23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX : - 1985 Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

I got a Citibank best buy credit card to make a computer purchase in XXXXXXXX XXXX XXXX Every month since, I am being over charged on interest. Purchase amount was {$2500.00} and I did not take the XXXX XXXX  offer on interest free payments. XX/XX/XXXX, interest charged was XXXX payments made up to that date was XXXX an XXXX and XXXX payment. XXXX I was randomly charged XXXX and XXXX on XX/XX/XXXX and have been unable to dispute it unless I claim my card was stolen and get a new one. XX/XX/XXXX I paid XXXXXXXX XXXX XXXX XXXXXXXX of that was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. Now XXXX is here and I have to be robbed by these fraudulent crooks again. I called in XXXX and XXXX and talked in detail about this issue. XXXX XXXX later and they have sent nothing in communications let alone tried fixing the overcharge of interest and the added charge oXXXX XXXX XXXX and change.
Product: Credit card or prepaid card

In XX/XX/2022 I completed a balance transfer with Citi to transfer funds to the account in the approximate amount of {$8400.00}. My account was set to auto pay, to pay the balance in full. 

On XX/XX/2022, approximately {$8400.00} was taken from my checking account bringing it in the negatives. This error was brought to my attention on XX/XX/2022. I called Citi on the XXXX, and the payment was reversed and returned to my checking. That same day, XX/XX/2022, I changed my autopay from pay statement balance to pay minimum payment and I received a confirmation on my screen. 

A day later, on or about XX/XX/2022, I checked to see if my minimum payment was scheduled to come out of my checking and if my Citi credit card balance was updated since I knew I had to make my credit card payment. When I checked my auto pay setting, it was erroneously set to pay statement balance even though I changed it the day prior. Again, I put it to pay minimum payment and received another confirmation. Note : I have to go through a confirmation to authorize the change. It is not toggling a button. 

Today, XX/XX/2022, Citi took approximately {$8400.00} from my checking account after they were not authorized to do so. I have notified them numerous times that this is not the payment arrangement I am seeking, and have changed this numerous times. I called Citi yet again demanding they reverse this as they were not authorized to do this. First, they said it was the same payment, which is not the case. Then, they said it will take time, which I know it can be done promptly as they did it the other day. 

Citi keeps on taking money from my account and they are unauthorized to do so. I have expressed my unauthorization on recorded lines multiple times and have changed my settings in their systems multiple times and they continue to violate laws.
Product: Credit reporting or other personal consumer reports

Transunion XXXX consumer reports and rental screening reports contain inaccurate information in reference to an eviction from XXXX on XXXX XXXX formally known as The XXXX on XXXX ). There is a court judgement ( Case # XXXX ) on the account that indicates the balance as satisfied. The XXXX XXXX in XXXX XXXX has made a judgement that indicates that all fees have been satisfied ; attorney fee in the amount of {$90.00}, tax in the amount of {$98.00}, late charge in the amount of {$150.00}, and rent in the amount of {$1300.00}. As a result of Transunion XXXX consumer reports and rental screening reports, reporting inaccurate information my ability to secure housing is being severely hindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless of certified letters to equifax with a police report and ftc report of the fraudulent account from FAMILY SUPPORT/CHILD SUPPORT being on my credit report. Every time i have sent a letter i have talked to the creditor and they keep saying EQUIFAX has not contacted them at all. 
When I contact equifax they keep telling me to send another ftc report. I have sent XXXX ftc reports, and the last fraud representative told me to include the full account number and it can be blocked because they see my address and name dont match up on that account. They told me they cant send me proof.
Product: Debt collection

Greetings. I have had a total of seven leases with BMW and never had a problem. My last lease from XXXX was paid in full. I went to buy a new vehicle in XXXX and was told I owed BMW XXXX from a previous lease XXXX. He made absolutely no sense because each time I turn in a lease I get a new vehicle the same day. I purchased a new vehicle since that lease from bmw. I did not have supporting information with me in person so I pay the amount they said was old and figured I will dispute this with my documentation I have at home. BMW sent an email in XXXX of XXXX via PDF that clearly states I have a XXXX balance it is attached below. Once I found the documentation in my email I began contacting BMW about a dozen times. Each time I was met with belligerence, disrespect, rudeness by XXXX XXXX. For some reason I kept getting the same person and he outright refused to give me a supervisor or anyone in Upper management. This continued for months. I finally spoke with XXXX XXXX in XXXX she verified the XXXX balance and sent me supporting information to dispute the amount with credit bureaus and with BMW. I have disputed the information and had my bank refund me the amount. Since then BMW has intentionally attacked my credit three times. Each time they report this as a collection my credit score drops and at this point it's been a total of XXXX points. Additionally on the credit report it clearly shows each time they reported it to collections. They have not tried to make any type of resolution and each time they have a XXXX  male contact me he is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to file a complaint I would like this to be resolved I would like my credit to be restored. I have had excellent credit for over 25 years and this is intentional. I do not owe a debt as the documentation I have from them via PDF clearly states there is a XXXX balance
Product: Vehicle loan or lease

I keep trying to figure out my intrest per day and keep coming up with a different number. Rep told me it was XXXX per day and it still not adding up. 

XXXX XXXX P = XXXX R = 24.10 % T = 72 months ( 6 years ) XXXX x XXXX = XXXX XXXX XXXX = {$6.00} daily I really dont understand why Im being charged more.
Product: Debt collection

According to my credit reports ( XXXX, XXXX, XXXX ) it states that Wells Fargo reported an account in charged off status back in XXXX. I am aware that according to 7 CFR 1956.54 that a chargeoff is the writing off of a debt and the termination of collection activity. If the company indeed charged off the debt, I was supposed to be issued a 1099-C by XX/XX/XXXX of the following year which should have been XX/XX/XXXX of XXXX. Wells Fargo did not send the 1099C and continues to pursue collection activity on an account that they have already written off. Either the company is committing tax fraud or furnishing false and misleading information on my consumer reports. In a letter Dated XX/XX/XXXX from their education financial services department attached to this complaint you will see that the bottom clearly stated it is an attempt to collect a debt and that is highlighted in yellow. I am requesting a copy of the 1099-C on an account which they have changed the account number at least 2 times. All the proof of such is attached to this complaint. Im also requesting that if the account is indeed charged off, Wells Fargo provides proof that they sent out the 1099C if they claim that they indeed did. By proof I mean any certified mail bearing my wet signature as well as a tracking number for the documentation. I am unaware of the correct account number at this point but the 3 different ones that have used in connection with my account are as follows ( XXXX ; XXXX XXXX ; XXXX ). If the account is not being reported accurately, it needs to be removed from my credit profiles and Wells Fargo systems as well or I will have to report such activity to the IRS. I also want to know which account number was listed on the 1099C because it says the IRS encourages you to designate an account number for all Forms 1099-C that you file
Product: Student loan

Just Received another call from GC Services in regards to my Student Loans. I informed the guy that was calling - XXXX XXXX something I believe he said his name was. I did not let him finish. I informed him that my student loans were forgiven due to the school closures and fraudulent issues they have caused millions of students and now in a lot of debt and damaging their Credit Score, life and a trying to go back to school to complete and further education and not able to get a position in the field of work you went to school for.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX On call # XXXX I informed the representative that these unauthorized inquires should be removed immediately due to them not being authorized by me. Inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This unauthorized inquires cause hardship and stop oppertunity to have an accurate credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

these inquires are unauthorized and reporting on my credit report XXXX XXXX Inquired on XX/XX/year>2025 XXXX XXXX Inquired on XX/XX/year>2025 XXXX Inquired on XX/XX/year> 2025
Product: Mortgage

On or about XX/XX/XXXX, I called BSI commercial loan servicer and I told them that I will not be able to make the payment for the month because the main tenant had recently XXXX  and the family could not afford to make the rent payments. They told me well just keep in touch. I looked at my statement and the statement showed that I owe thousands of dollars in late fees. I asked the company 's representative why was this so. And she told me that it was over {$70.00} per day that I was late. She referred me to The document in the mortgage that states : " late charges for overdue payments, if the note holder had not receive the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the note holder. The amount of the charge will be XXXX  % of that portion of the installment of the principal and interest that is overdue. I will pay this late charge promptly but only once on each late payment. '' This did not say that I will be charged per day. I am now old thousands of dollars in late fees. 
XXXX what's the original mortgage holder, BSI is XXXX of the successors.
Product: Debt collection

The debt collector Caine & Weiner reported a negative debt in the amount of {$1200.00} reported on XX/XX/2018, XXXX and 4 months ago I didn't have a vehicle on my name and didn't have any type of vehicle insurance because at that time I wasn't located in the state of Florida and was going through a family hardship in a different state.
Product: Debt collection

I had some time to review my credit report and I noticed a few accounts that didn't belong to me. These accounts have never been registered by me before nor have I ever had any contacts with the creditors. Majority of the accounts below are originally from the TIME OF HAVING MY Identity stolen. Please see below. 
Account Name : XXXX XXXX Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : Toyota MTR Acct # XXXX I am requesting that the accounts above be removed from my credit reports and that you place a fraud alert on my profile. I fully understand my rights under the FAIR CREDIT REPORTING AT AND U.S CODEs I researched my rights regarding the FAIR CREDIT REPORTING ACT and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report Please do not respond to my typed letter stating We verified that account belongs to you without providing me with all documentation. Once done feel free to send me my updated credit reports to my home address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter with proof of inaccurate REPORTING. The inaccurate REPORTING is circled on the consumer report. The PAYMENT STATUSES of the account are contradictory, and circled on the report. The inaccurate REPORTING therefore makes the account inaccurate. Less than 100 % accuracy is prohibited by the FCRA. The consumer reporting company refuses to remove the account from my consumer report even when clearly shown their inaccurate REPORTING of less than 100 % accuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed that my credit score had decreased by XXXX points in XXXX go. I contacted TransUnion and got the runaround a bit. I made several phone calls until later that day I was able to speak to a supervisor who tried to give an explanation that did not make sense. Theirs was the only Bureau that had dropped my score. There is nothing I have done differently and my balances were showing as decreased as they do every month. To date, theirs is the only Bureau that has decreased my score. I don't have a clear reason why my score would drop XXXX points XXXX XXXX XXXX I do not feel that TransUnion is scoring my information properly and something is very wrong. I was also given different reasons by different representatives. My credit is not new. In all the years I've had credit this has never happened. I have gone through hardships and have worked very hard to increase my score and maintain it.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency. 
Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information. 

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt. 

XXXX5 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting agency123. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer12.
Product: Credit card

Application was denied once again. I submitted all the documents they ask for and then I was told to visit a chase branch once again. And i just changed my number because Im getting XXXX phone calls from my ex girlfriend and been XXXX. The card I applied for is XXXX XXXX XXXX card XXXX and I submit all the documents and the underwriter said the documents are bad and it didnt pass the verification and wasted my time. Now I dont like to go out in public at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And they making me go to chase branch to complete the verification again. And I ask all the verification questions correctly. This is wrong. This is discrimination My new phone number is XXXX old number XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a personal loan account opened at XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 card

I applied for a credit card via an purchase at XXXX. TD Retail card services, I was approved after my credit check score XXXX, I did not go with TD as for this purchase I thought the rate was high and instead used a different card ( note you do not see the rate until after approval with TD ) a week later I get a letter from TD retail card services that stated credit is denied due to previously applied for credit in last 90 days I have never applied for credit with TD retail card services before. I called the telephone number XXXX, in which there was no direct help listed via the prompts for issues with approval or process... i did speak to a rep whom said they do this a lot when a customer does not purchase with their marketing partner. there is no disclaimer at samsung.com or when TD approved me at XXXX XXXX I feel that the excuse given by TD retail card services is improper. I have no doubt if I would have used TD retail card services at check out with XXXX XXXX there would not be a denial letter but a cr4edit card issued with high amount of interest, with XXXX charge amount. NOTE I was only given last XXXX of the credit card approved number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX Equifax data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.