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

Citibank debited my bank account XXXX - when scheduled payments was for XXXX due on XX/XX/2021. The Best Buy salesman mislead me regarding the interest. I called Citibank and they would disclose details on the method or formula for the interest. 
I only financed XXXX dollars - and Citibank is saying I owe over XXXX dollars. I've never been late, or missed a payment. I have been negatively by Covid-19 - including a job loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX the, natural person, Original Creditor, authorized representative for XXXX XXXX the natural person, am a Federally Protected Consumer, Principal and Authorized Representative for all accounts created by my autograph. I am a victim of many Severe forms of trafficking of a person. The information listed below, which appears on my credit report, is the result of that trafficking. 
__________________________________________________________________ ADVERSE ACCOUNTS TO BE BLOCKED BELOW Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX  XXXX XXXX _______________________________________________________. A Final Rule to amend Regulation V at 12 CFR 1022 to add a new subpart at 12 CFR 1022.142 has been issued.

Please BLOCK THIS ADVERSE INFORMATION from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. A Consumer Reporting agency must block adverse information within four business days of receiving the consumers submission 12 CFR 1022.142 ( e ) ( 1 )
Product: Debt collection

A company Fair Collections & Outsour ( per credit report ) is illegally and unethically trying to collect a fabricated debt! 

There is no such debt and property management company ( XXXX at XXXX 's XXXX ) intentional skipped steps of due process for confirmation of debt. There is notated retaliation and scams of rental company using such actions. 

Fair Collections & Outsour has not properly communicated with me or other parties for dispute process. The company also has added other to file in a biased and unethical manner!
Product: Debt collection

We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.
Product: Mortgage

I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. 

I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX account number : XXXX
Product: Debt collection

CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Debt collection

On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was XXXX. XXXX sent Kohn Law Group my incorrect information and are threatening me with a lawsuit. First off, XXXX does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now XXXX and Kohn Law Firm and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that XXXX posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted XXXX, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information XXXX has pertaining to me is inaccurate as well as this debt. Barclay has written off my account and did not reach out to me to pay them any outstanding amount. XXXX who is working alongside with Kohn Law Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want XXXX or Kohn Law Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.
Product: Credit card or prepaid card

I am not able to book a rental car from the card company 's website - Chase XXXX XXXX XXXX XXXX. I called them to make the booking as well but they just waived their hands. Some error shows up on their website which they can't fix and I'm certainly sure if I follow their advice to book after tomorrow, the prices will change
Product: Debt collection

I am in debt with a university I previously attended. I had spoken to the Williams Fudge collector known as XXXX XXXX and acknowledged the debt on multiple occasions. They began calling my workplace and also ended up contacting my mother and disclosed the information about my debt without my knowledge. They have lied to me and told me that my debt needed to be payed off on a specific day that he called and made me stay on the phone until I payed it. I am not in a position to pay in full and asked about a monthly plan. But that was not good enough for them, as they began calling my workplace asking to speak with me and telling my family members about my personal business. I receive repeated calls multiple days of the week and I am tired. My debt has been acknowledged and they are harassing me.
Product: Credit card or prepaid card

On XX/XX/2020, I had applied for a consumer credit card ( Propel Card ) at Wells Fargo bank. Later that day, I received an email from the bank saying that they are asking me to call a certain 1-800 number to discuss my application. When I called hostile agents informed that my application would be denied because as an immigrant I do not have the " right '' to have credit cards or credit lines in the U.S.

I am a LEGAL immigrant in the U.S.,  with a valid work visa, and an SSN, and have been in the U.S. for 12-years and counting. I have multiple credit cards from multiple banks and agencies. My credit rating is EXCELLENT, and my FICO score per XXXX is VERY HIGH. The only reason they rejected my application, according to them, is ONLY because of my immigration status.
Product: Credit reporting or other personal consumer reports

Citibank allowed criminals to apply for credit cards three different times and add high balances ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). They negligently did not put the property safeguards up to protect my security and prevent future cards to be ordered by others illegally, they allowed others to change the PIN and phone number to my Citi Card, they caused my credit score to drop from above XXXX to the XXXX range, they allowed someone on XX/XX/XXXX to change my PIN and XXXX someone {$500.00} all while I had a Fraud alert and Credit Freeze with XXXX, XXXX, and XXXX. They ignored notes allegedly put in my representatives where I begged them to stop allowing others to order Citi XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I submitted police reports to all credit bureaus and the specific accounts was deleted off my report but it all showed back up. Reached out to the bureaus but still nothing. Hopefully yall can help me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. 

TO : TRANS UNION. 
XXXX. 
XXXX. 
To Whom It May Concern : I am writing to ask that you please review your records for me and make any necessary corrections. 
I am concerned about the accuracy of my credit report and would like to make sure that all information is up to date and compliant with reporting laws. I would also appreciate it if you could remove any inaccuracies from my report immediately. Thank you for your attention to this matter. 
Below is a summary of the data in which I am challenging : Personal Information for XXXX, TRANSUNION AND XXXX NAME : XXXX XXXX The only name I go by is - XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV. 
XXXX I only reside at : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX, NV XXXX. 
Please remove any address you have in your system that does not match - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please the incorrect work history reflecting on my report as well, since I no longer work for the companies listed. 
Sincere Regards, XXXX XXXX. 

Please send your written response to my address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ,Nevada XXXX I am aware that you have been sending out form letters in response to many of the disputes andchallenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you XXXX process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

On XX/XX/XXXX I called Toyota Financial Services in regards to a past due amount that appeared in the amount of {$140.00}. I spoke to a representative named XXXX ID # XBJW that advised that an investigation form would be submitted. I was advised that in XXXX business days that this would be resolved. I called back on Monday the XXXX and spoke to XXXX ID # FOGW who had advised that the case had not been resolved and that I needed to call back the next business day. I called back on Tuesday XX/XX/2023 and spoke to XXXX ID # KIYW and was put on hold for over XXXX minutes with no answer before I needed to disconnect the call. I called back again on Friday XX/XX/2023 and spoke to XXXX ID # VTNW and was not given any type of answer on the investigation form. I was then placed on hold for around XXXX minutes before requesting a supervisor, XXXX ID # EOBW. XXXX said that they would look into the account and then the call with XXXX was dropped. None of these agents could explain the transaction of XXXX that had appeared onto my statement when the past 3 months statements showed that the past due amount reflected at {$0.00}.
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 : XXXX XXXX # 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: Checking or savings account

I received a wire transfer from a client for the buy of my old truck of the amount of XXXX on the date of XX/XX/2022 After that I was using my money and then 2 weeks later they block my account and they say the wire is not good but I have the receipt and everything from the customer
Product: Credit reporting

Someone changed my address toXXXX XXXX XXXX PR without my authorization. That is not my corrrect address.I suspect a fraud with this change. Please take notice of this request as soon as possible. I 'm. very worried about a possible fraud. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/2021 with Equifax because they have my identity incorrect on my report. My last name is listed incorrectly. 

Confirmation number : XXXX Dispute is still pending on XX/XX/2021. The estimated close date is still XX/XX/2021, which is now impossible.
Product: Credit card

I have emailed Truist to escalate this dispute as they are currently denying my claim of fraud. Here is a copy of the email and info of the fraud perpetrated on me with Truist expecting me to pay while not investigating further into this elaborate fraud. Case # XXXX This case clearly involves a higher level of fraud activity warranting further investigation and getting other parties involved. As stated, the card bearing my name with the last XXXX digits of **** was not used for quite some time. This card along with other documents and cards I dont typically use or carry were in my gun safe which also contains NFA items, so no other person has access to this safe by law. The card had to be breached in one of the many hacks or leaks from previous years, XXXX convenient stores for example and could not have been accessed physically. 

Not only have I never had a XXXX account but the credit history for **** specifically bearing my name was not being used, then out of nowhere several XXXX purchases were made. Around this time I started receiving paper thin plastic envelopes with literal trash of package label backings in them or some crudely printed out card stock with spam on them weighing no more than 17oz listed on the shipping labels. At first I didnt think much of it and may have thrown a couple away but when several started showing up I began to keep them to investigate myself.

From my research it looked like it was a Brushing scam but after getting a letter from Truist stating fraudulent charges were reversed with print outs of tracking I double checked these shady packages and one of the tracking numbers matched one you all reverse charged back to me.

All of the packages have the same 2 or 3 return addresses on them and appear to be regular peoples stolen addresses. This case indicates a person or persons has a XXXX business account or is in league with one where they make fraudulent purchases and then ship out fake empty packages in an attempt to cover up the fraud being committed. 

XXXX is already known to be rife with scams and to trust they are doing their due diligence is foolish. This case could easily be tracked by checking the IP addresses of the purchases and tracking down that seller and who was purchasing shipping labels and from where, the email addresses and bank accounts associated et cet.
Product: Debt collection

My information was stolen will proved all proper documentation to show these are fraud such as my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a formal written complaint to Equifax, XXXX, and XXXX on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from Equifax, XXXX or XXXX  for either request on the XX/XX/2021 or XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to access my Equifax online and I cant lift my credit freeze Im getting a glitch error and I cant see my credit report or my score and they never fixed it or call me back and I need have this glitch fixed so I can access my credit report the freeze is still in place and I cant lift it..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXXXXXX XXXX is reporting my account : Transunion : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off XXXX : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX XXXX XXXX and the inquiry from XX/XX/XXXX. I have never applied for a XXXX XXXXXXXX Credit card. I spoke to XXXX XXXX multiple times and even filed a dispute with the major 3 credit companies, they said it was fraudulent and XXXX XXXXl would need to take it off my credit report last Fall. As of Spring XXXX it is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Recieved a debit card from Pay Pal, never requested one, dont want it! Please have this company stop this fraudulent practice. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 accounts 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 items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX