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

This is my second complaint about XX/XX/XXXX and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from XXXX XXXX XXXX bother to pay attention to it. The CFPB took a response from XXXX XXXX and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that XXXX XXXX sent back to the CFPB XXXX even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXXXX/XX/XXXXXXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on XXXX XXXX behalf. I wonder if I should contact this person and let him know that his information has been breached.
Product: Debt collection

My wife left me a couple of months ago. I recently started getting notices from debt collection agencies for debt that I didn't create. Apparently my wife decided to take out credit cards and loans out in my name. She has me {$30000.00} in debt and my credit is suffering. I froze my credit, filed complaints with the 3 major credit agencies, contacted the local police and prosecuting attorney 's office about the identity theft, but they refused to let me report it because we are still legally married.
Product: Credit card

this been few months i received XXXX broken doesnt work i tried to contact the seller i cant contact i been contacting the bank multiple times they keep asking me to send documents repair messages i have send them everything they need even messages with XXXX that item been to service and repair and still there isnt no update or refunding me any money i need my money back please
Product: Debt collection

Please see complaint filed XX/XX/XXXX concerning Sunrise Credit Services , Inc . The company responded on XX/XX/XXXX that it had ceased collection efforts and closed the 'account, ' insinuating that I had been hasty in filing my CFPB complaint. 

I received another collection letter XX/XX/XXXX from Sunrise Credit Services , Inc., for the ame amount and referencing the same account number. 

As originally reported to CFPB, I do not owe a debt to Sunrise or the creditor. I disputed the debt with Sunrise before contacting CFPB.
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INCORRECT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.
Product: Debt collection

I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX  XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. 
. {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX & XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian violated my rights FCRA Violations XXXX Purpose Reporting of Charge off 15 USC 1681b ( a ) ( 2 ) 2. 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX attached
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding unauthorized transactions made on my account with USAA Federal Savings Bank. These transactions were conducted without my knowledge or consent. I promptly reported them to USAA, but despite their investigation, they concluded the transactions were not fraudulent, citing a lack of sufficient proof that I was not involved. As a result, I am being told that I must handle this matter on my own to seek resolution. 

I am also a XXXX XXXX XXXX XXXX XXXXXXXX, and this situation is causing significant stress and financial hardship as well as an investigation at work that stops me from attaining any favorable actions. I have always maintained my account responsibly and can not comprehend how my account was used as a funnel for these transactions. 

The disputed transactions are as follows : XX/XX/year> : {$1000.00} | USAA Federal Savings Bank XX/XX/year> : {$2000.00} | USAA Federal Savings Bank XX/XX/year> : {$9500.00} | XXXX XXXX XXXX XXXXXX/XX/year> : {$2000.00} | USAA Federal Savings Bank XX/XX/year> XXXX {$4500.00} | XXXXXXXX XXXX Cash Advance XX/XX/year> : {$2500.00} | USAA Federal Savings Bank XX/XX/year> XXXX {$2500.00} | XXXX XXXX XXXXXXXX XXXX I do not understand how my account was used as a funnel for these transactions. USAAs refusal to take further action has left me in a vulnerable and difficult position. I am seeking the CFPBs assistance in addressing this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this issue. I am available to provide any additional information needed to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 9 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. XXXX  XXXX Allegedly {$4700.00} high balance. Allegedly Balance owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$920.00}. 

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 4 business days after the date of receipt.
Product: Credit card

I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.
Product: Credit reporting or other personal consumer reports

I applied for a furniture store account and for some reason they couldnt process the application. Ive grown accustomed to my credit and adviser action being used towards me when I tried to get any from of credit since I had Identity Theft happen to me accounts wont open for me. But they the companies and hackers and or harassment groups for hire can get loans in my name and use it to portray me to be this person thats the cause. Ive yet to by law the right to dispute and have the identity theft accounts removed. I cant even get a real credit report off XXXX is very sad when corporate giants are up against you. And the same laws dont apply.
Product: Prepaid card

Received prepaid gift card {$100.00} from internet provider, used card XXXX time and there was a balance {$23.00} and some cents, second time tried to used card the same day, card did not work and never worked after. Addressed with the company with no avail.
Product: Vehicle loan or lease

XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.
Product: Credit card

I am an active-duty member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX  XXXX law, interest rates on all obligations incurred before or AFTER entering XXXX XXXX are capped at 6 %. Despite multiple attempts to inform American Express of this law, their representatives have failed to acknowledge it and have refused to cap my interest rate at 6 %. Other creditors have recognized and honored the XXXX XXXXXXXX law.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently listed on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The Bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. XXXX XXXX : Bankruptcy Reference Number XXXX
Product: Checking or savings account

My debit card was suspended without notice or cause even when funds are available. I have alerts from Huntington Bank, no alert or reason was given why card was suspended. I called and the reasons given were false. I was told that some companies keep trying to charge account, I get prebilling texts from all my accounts received none from the companies they said were trying to bill me, also were billed for bills earlier in month. Non alerts or emails were sent to me which I have through Huntington services. This is a continuation of stealing monies from my account from people inside Huntington and instead of solving problems Huntington keeps covering it up. False accountability keeps happening and CFPB no longer stops this fraud from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get inquiries deleted off my XXXX report but they are giving me a Hassel I  have no knowledge of the inquires on my report
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I had money in XXXX XXXX, to buy and trade cryptocurrency. At least a year ago, automatic deposits stopped all of a sudden and my account showed that I had a balance of - {$20.00}. I was unable to deposit further funds or buy or sell any assets and my bank account suddenly wasn't accepted by them. 

I sent emails XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( I think there's more ). They said my bank is not supported ( XXXX XXXX XXXX ) and only a few banks are compatible now. They kept. reminding me of this weird negative XXXX balance, but I couldn't pay that because my bank was no longer able to be linked. No help there after repeated attempts to contact support. 

Now the app is " sunsetting '', they are going out of business, I do not wish to continue with the new company ( XXXX? ) that they moved the accounts to, and the best suggestion they gave me was to wait until my funds have become " unclaimed property '' with the state. As of right now, my account is worth {$320.00}
Product: Checking or savings account

This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.
Product: Checking or savings account

Can you explain this transaction please? : XX/XX/18 Description : PRIOR DAY RET ITEM FEE- $ XXXX/ITM Amount - {$36.00} Why is there a return fee, it's my cash. Provisional credit is so I may use it as my own and that's what I did I refuse to pay a fee to use my own money. Ridiculous.
Product: Bank account or service

Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.
Product: Credit reporting or other personal consumer reports

have reached out multiple times about Account XXXX Mohela and XXXX who have been reporting since XXXX Molela in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802.

15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Product: Mortgage

I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX