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

I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion and XXXX   numerous times in XX/XX/XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with XXXX. 

XXXX  treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a Cease and Desist with ENHANCED RECOVERY COMPANY. I explicitly stated that there be no communication through any medium other then through mail. EXPERIAN AND XXXX are continuing to furnish this information as a means of communication which is in violation of the Cease and Desist.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for not securing my accounts against fraud.
Product: Checking or savings account

I was a victim of online fraud. I reported an unauthorized purchase for {$3300.00} on XX/XX/19 through XXXX to Chase Bank because the money was taken from my debit card account. I have messages of me asking the seller to cancel the order, the seller never answered back and sent me an empty package. I filled up a police report. I sent the police report, pictures of the package ( I also have a video of me opening the package ) and screenshots of the messages to Chase bank. However, they refused to give me that refund because they said that they had " evidence, '' I asked them to send it to me. I received a letter and the evidence they found was the tracking number. I had the tracking number from the beginning, but that is not evidence of anything. I did not purchase that computer on XXXX, and I also received an empty package. The pseudo company of XXXX is called " XXXX. '' Someone signed for that package, and it was not me or someone I know. The address they wrote was also different to my address. The seller ( XXXX ) is doing something completely illegal. My money was supposed to be safe there, but it was not. The bank is not helping me and instead is giving the money to a criminal.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX, - XX/XX/year> XXXX. XXXX XXXX, XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Product: Vehicle loan or lease

the company is saying i had a late payment in XXXX  but hasnt shown me any proof that that month was not paid before the XXXX  days
Product: Debt collection

Prior company account was closed, several times because they kept it open after several times me closing it, sent me multiple letters claiming a false amount owed, several times this is after i recieved written communication from representative that account was closed and amount owed was a total of {$210.00} they sent me letters stating over double was owed, i sent several communications with them advising that amount owed was false and needed correction before payment. company refused to respond and sent it to collections.
Product: Debt collection

To Whom It May Concern : After viewing a copy of my credit file due to being a victim of identity theft. I have notice an account placed on my credit file from XXXX stating I owe {$550.00} This account does not belong to me. I have tried on numerous occasions to correct this issue at hands with XXXXt fraud department providing them with a copy of a police report in addition to a fraud survey and identification. 

I was provide with a contact person name XXXX at ext XXXX main number of XXXX Who I have been calling for the pass couple of weeks/months to get this issues resolve ; The contact person has been avoiding my calls ; I have sent over numerous communicates via certified mail.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : An account opened at XXXX XXXX on XX/XX/XXXX, A credit card account opened with XXXX XXXX opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # 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 or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and frustration regarding Experians repeated failure to properly investigate errors on my credit report, as well as its actions in blocking my ability to dispute additional inaccuracies. 
One specific error on my report led to legal proceedings with Experian, which was both time-consuming and costly. Despite my attempts to resolve this issue amicably, Experian has since blocked me from disputing any other information on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Additionally, I sent a certified letter to Experian requesting updates to my personal information on my credit report. While Experian initially corrected the information, the corrected details were inexplicably replaced with the inaccurate information shortly afterward. This demonstrates a lack of proper oversight and adherence to your obligations to maintain accurate credit files.

These actions have caused significant harm to my ability to maintain an accurate credit history and have created undue stress and financial burden. As a consumer, I have the right to dispute
Product: Credit reporting or other personal consumer reports

XX/XX/2023 - I submitted a dispute to remove negative items on my report via mail. 
XX/XX/2023 - I received a standard automated email saying that it is not me who sent this mail and they do not believe it is me who requested to dispute items in the report. 

I am frustrated from the way Experian is handling my dispute requests. They are delaying my dispute requests and ignore them in purpose. Until when they should fix my report and respond to my requests???? 

I will seek legal help for this until my report is fully fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I made payments on my Citi credit card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am being told by Citi the payments for XX/XX/XXXX and XX/XX/XXXX apply to no bill. They do not count toward my balance due. My bill for Citi is due XX/XX/XXXX. I received a notice of my bill posting on the XXXX. In fact the transaction history shows interest accrued and then my payment for {$500.00}. I made another payment on XX/XX/XXXX. I was told by Citi the payment for XX/XX/XXXX applied to XXXX bill but the payment for XX/XX/XXXX was a day late and didnt apply to the future bill or my old bill. I dont understand how I can make three payments in 39 days and only one of them counts towards an actual payment. How is that right? Or ethical? So its as if the payments dont count.
Product: Mortgage

A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
Product: Credit card or prepaid card

I filed a complaint with XXXX XXXX the issuer of my XXXX XXXX XXXX, on XX/XX/2018 that I was the victim of fraud on my credit card. My husband pressured and forced me to turn my card over to him right away. He charged it up to the limit and never let me make any purchases at all. I was the victim of domestic and financial abuse. 

I called today to find out the status, and was told that I benefited from this. I don't understand how I benefited from being the victim of domestic abuse. They said I had to file a police report, but, if I did that, my husband -- who I don't live with and am in the middle of a divorce from -- could possibly hurt me physically. That's even if the police were willing to take a complaint. 

I'm still a victim of fraud even if I don't want to risk getting hurt by reporting it. Taking away my access to credit and putting a wrongful debt against me is profiting from domestic abuse. I didn't ever get to use the card. 

The company gave me a fax number to reopen my fraud complaint, but, it wasn't any good. I tried to fax the attached documents but it didn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO XXXX, XXXX, AND EQUIFAX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION
Product: Credit card

This account with 1STPROGRESSXXXX XXXX XXXX XXXX XXXX XXXXXXXX, this account was a secured credit card with an original balance of {$500.00}, I closed this account in XXXX of XXXX and advised the Credit Card Company 1STPROGRESS/XXXX that I wanted to close my XXXX secured credit card accounts because the company was not practicing best practice. The information that this company is reporting is incorrect. This account was never charged off in XXXX, and this account was closed in XXXX of XXXX 1STPROGRESS/XXXX  is reporting wrong and malicious information. I have written to them and contacted them via phone to advise them of their errors that need to be removed entirely. My next step is to contact my attorney and bring legal action against this company 1STPROGRESS/XXXX because they are not reporting correct information. 
How was account XXXX charged off in XX/XX/XXXX? Those are lies and malicious information thats not correct, period, and this is being reported to the credit reporting agencies. Now, do you think it's right for this company to do this to my credit report? 

Payment history guide Charge Off as of XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Vehicle loan or lease

There was a loan by LOBEL FINANCIAL opened up for a car by my roommate XXXX XXXX at the time. I had nothing to do with this car. Not the procurement not the purchase not ownership nothing. Some how I came to a debt collector and says i am a joint account holder. Not true. I have disputed this but to no Avail. I have tried contacting them XXXX XXXX also tried contacting them. All to no avail. It is hurting my credit score and I am trying to buy a home. I have never signed anything from this company never heard of them actually.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention concerning lending practices by XXXX XXXX XXXX. I believe they are engaging in unethical lending practices, including interest rates that exceed state-mandated limits. Since XX/XX/, I have taken out eight loans with them, and my experiences have been deeply concerning. I was duped into thinking this was an ethical loan because it was offered through my payroll system for work. 

I kindly request your assistance in investigating XXXX XXXX XXXX lending practices, focusing on interest rates that violate state regulations in my state of South Dakota ( on my loan document it says rates are 68.62 % ) and the issue of not receiving interest credit for early loan repayments on the 7 previous loans I had done in order to have money to pay the continuous cycle of loans. These practices raise significant ethical concerns and financial burdens. 

Your organizations expertise in promoting responsible lending practices is vital, and I trust you will help ensure that lending institutions like XXXX adhere to ethical standards. 

Thank you for your attention to this issue, and I look forward to a resolution that protects borrowers rights and promotes responsible lending practices.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a query with my personal information which I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Equifax credit report and noticed many accounts and other items that don't relate to anything I've done.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, SANTANDER IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that I have sent in police reports and asked the company to remove off my credit report because is is fraudulent. It was opened in XXXX 2017 and the amount is {$1400.00} it 's saying on my credit report. I have been asking the company to remove it and they have n't when all other credit agencies have after only asking once. They have also dropped my credit score almost 100 points after me contacting you the first time. If you look back I still have an open case being investigated and equifax has yet to respond. I am XXXX and the equifax company is making my life even harder because of there fraudulent reporting. I am thinking about perusing legal action if my credit report is n't fix and my score does n't get updated. They are also negatively reporting false balances which I have asked them to update several times. I am starting to think they are XXXX because a XXXX friend of mine has a horrible credit report but her credit score is high and I have a great report accept with equifax do to there false reporting.
Product: Debt collection

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft SXXXX Date of inquiry : XX/XX/2021 This is not mine.