23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Open Monthly Payment : {$84.00} Date Opened : XXXX  Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} Credit Limit : {$1000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXXXXXX  Date of Last Payment : XX/XX/XXXXXXXX  Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YeaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XXXX, ( 6 ) XXXX, XXXX, XXXX, ( 7 )  XXXX XXXX XXXX , XXXX, XXXX, ( 8 ) XXXX  XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Company refuses to remove unauthorized/ inaccurate rental information. Requested investigation many times and they denied to remove information harming my personal credit. This is illegal under the fair reporting act laws. This rental information should me removed as soon as possible. I granted the company more than 6 months
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention and since then, I have made several attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. 

I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Im filing a complaint against a CitibankCredit Card because they are trying to collect money for charges not authorized by me. I closed the credit card account on XX/XX/XXXX. There was some credits in my favor for approximately 50 dollars that they never returned. Contrary they are charging me again for a charge I disputed on XX/XX/XXXX. I have tried to discuss this matter with them but they just leave me waiting on the phone or just hung up on me. They never return my calls either. Now they are not only denying refunding me my credit but they are also trying to collect more money from me. Please help. Thank yo
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis and XXXX rentbureau is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF XXXX XXXX XXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Product: Credit card or prepaid card

Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX  balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony  to close my account with a XXXX  balance, and it seems impossible to get the account closed!!
Product: Student loan

I am a XXXX military veteran, I have been making my regular payment as scheduled, but lately I noticed my balance keeps going up, not down. Sometimessage double to near triple the previous month. 
At this rate, I will never be able to pay it off. 
I call Navient, the agent clearly lied and told me, no increases was made. I checked twice, this mo th alone and it went up twice. On there website. My balance increas ed by about {$1500.00}. In the last 45 days. 
This is clearly wrong, and illegal. I will contact a lawyer, if necessary. 
I notice others are now complaining of the same thing happening to them, All veteran 's. 
This is disgraceful and unbelievable that any government agency would do this. 
I will fallow through with legal action, if necessary. 
I am a taxpayer, law biding citizen, I will not be a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous times with XXXX  as well as reached out to Citibank to report the inaccuracies of the original first delinquency date. The most recent time I have disputed with XXXX  to report inaccuracies was XX/XX/XXXX and called Citibank and spoke with a XXXX to inform of the inaccuracies on XX/XX/XXXX as well. XXXX updated my credit report on XX/XX/XXXX with the status of account paid for less than the balance along with charge off status and line of credit type of loan. I received a letter from Citibank on XX/XX/XXXX stating that their records are accurate of the original first delinquent date. I have documentation proving my case that they wont acknowledge that I have submitted.
Product: Checking or savings account

I have already filed 2 complaints ( this is third ) regarding this ongoing issue with Citibank and they are keeping my funds and ignoring all my attempts to get it back. As of today they have not resolved this and are ignoring all my communications to them. I need the loan disbursed to me asap. I have been making monthly payments to SBA so I don't default on the loan and ruin my credit. Citibank is refusing to do return my funds to me even after I have provided everything they have asked from me. Here was the original compaint and the issue I'm having : On XX/XX/year> I had my SBA EIDL loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to SBA. It has been over a year now and SBA has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank dozens of times and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost XXXX hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to SBA. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received results from reinvestigation report from Experian stating that my results had been verified. On XX/XX/2022 I sent certified mail ( XXXX ) requesting according to 15 USC 1681i ( a ) ( 7 ), the description of reinvestigation procedure. The company received on XX/XX/2022 @ XXXX pm. Today is XXXX XXXX, I have not received the documents that the law says I, the consumer, is required to have. This is noncompliance to what the law states and for each non compliance I am due " in any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Debt collection

It's plain and simple they have been calling me before XXXX. I believe they have called at XXXX once and this morning they had called at XXXX. Both of these times waking me up and disrupting my sleep.
Product: Credit reporting or other personal consumer reports

Sent certified letters to XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX to provide proof that I consented to the inquiries below that are being reported on my credit report. Asked that they remove the below inaccurate inquiries and no response was provided. 

XXXX XXXX XXXX, inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX, inquiry date XX/XX/XXXX
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. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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: Credit reporting, credit repair services, or other personal consumer reports

I called 2 times and sent a letter to Equifax stating the age of credit history is wrong. My XXXX credit card account and my XXXX  XXXX XXXX credit card account was opened in 2017 but I believe it was longer. In the account it says been a member since 2017 for both so Im not understanding why on the credit report for Equifax it shows 1 year 6 months as the age of credit history. The incorrect information is causing my credit score and credit report to be inaccurate. If they are not going to report the correct information that is Fraud. The proof is in the account. I have old credit reports with XXXX and XXXX XXXX XXXX account information on it from 2017 so that should be reported as 3 years and some months. Please correct this matter thats still not resolved.
Product: Credit card or prepaid card

My employer filed an unemployment claim on my behalf due to COVID-19 effects and I never received a Go program card and I cant get in contact with customer service to transfer funds to my direct deposit account ... ..Im owed 5 weeks worth of benefits that I cant access and cant get in touch with anyone to fix the problem.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EXPERIAN to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX XXXX ), EXPERIAN has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX. [ XXXX  ] [ # XXXX ] [ XX/XX/XXXX ] XXXX. [ XXXX ] [ # XXXX ] [ XX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and
15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that EXPERIAN has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of EXPERIAN may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX breach and my information was compromised. You are reporting inaccurate and unverifiable information on my consumer report. please reinvestigate the account and remove immediately. 



I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood.