23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had put an email in XXXX about " sharing my apartment rent '' [ XXXX  add # XXXX ]. I got an email from " XXXX XXXX ( XXXX ) saying he would like to rent the room for his daughter named " XXXX XXXX '' she was supposed to travel from XXXX to XXXX. So I believed him and we both agreed for this lease and he sent me check # XXXX with XXXX $ and another check # XXXX with XXXX $ amount both of which I deposited to my Bofa via Mobile deposit on XX/XX/2019. XXXX said, first check with XXXX has an issue and he sent me another with XXXX XXXX Both the check amount was kept on hold ( though initially it showed as deposited ) later I saw it on hold. As per our ( Mine & XXXX XXXX ) agrrement, I was supposed to deduct the rent amount and send him total of XXXX hence he asked me to send payment to two different parties so XXXX $ I sent it via XXXX on XX/XX/2019 to " $ XXXX '' and XXXX $ via Cash app to " $ XXXX  '' ( This is done from my XXXX XXXX  account ). When I am trying to email him to his email id XXXX or call his cell XXXX XXXX, both are going on vain. I have been scammed and I request someone to please investigate and return my money XXXX back. Note : I have raised complaint on both XXXX XXXX  and Bank of america bank ( ref Complaint # XXXX XXXX to investigate on my case but they are not giving me any assurance in getting the money back. Please help me. I have all the email & message conversations I had with that person along with the check he sent too. Please help me in this regard and I would like such scammers to be punished for their work.
Product: Credit card or prepaid card

I have automatic payment set up with my Bank to pay the statement in full every month. 
However, they are charging interest on items they say " have been purchase during the credit card statement cycle '' EVEN THOUGH THEY DO NOT SHOW THOSE CHARGES ON THE CURRENT STATEMENT FOR ME TO PAY!! 
How can I pay the full amount if I or my bank isn't given the correct amount? 
They said I should CALL THEM to find out. 
I think the correct amount should be on the credit card balance due. 
Example : last statement was for {$1200.00} and my bank paid that amount in full. 
This months statement has {$44.00} in legitimate charges but an additional {$10.00} for interest.
Product: Credit reporting or other personal consumer reports

As I have been experiencing financial identity theft I have submitted over XXXX pages on different occassion to Experian credit bureau to get my credit restored. The last documents that I have submitted was on XX/XX/2023, including XXXX Police Department incident report number : XXXX in regards of financial/identity theft report, FTC identity theft report in regards of identity theft, emails in regards of XXXX XXXX XXXX filing bankruptcy where XXXX XXXX is listed under my address, United States Bankruptcy Court Central District of California XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX. As I had submitted all documents for several months in order for it to be removed I constantly get hunged up on from the dispute department to the fraud department. I leave my number for a manger to call back and yet the person does not call back by the name XXXX and hangs up. Last conversation took place was early XXXX where an XXXX stated to me that they recieved my documents and that it will be taken care of and blocked. I called today XX/XX/2023, and was hunged up 3 times and last week XX/XX/2023, 3 times as well and was told that an Manager will call me back but no one did. I just want my credit to be restored to what it was and Experian has been non corporative and has shown very bad customer service and not doing there job to remove it off. Credit Bureaus must honor your request to remove fraudulent information from your credit report especially if you provided ALL documents. This is called blocking. Once information is provide it is to be blocked, companies can't report the debt or try to collect it from you. As a consumer I sent this to them as well and asked them to let all credit bureaus know that I want it to be blocked. This is very mentally draining as I have been dealing with this for years and now that I have shown them proff they will not delete.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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 items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/2022 as shown on the letter attachment below to remove the inaccurate hard inquiries from my credit report with a copy of an FTC report and 2 forms of identification, it's been over 30 days and Equifax has not reached out to me regarding anything, no mail and no call, I'm human and a real person I just feel like I'm not being treated fair and Equifax is acting like they are not govern by laws, I have the right to privacy under 15 USC 1681 AND I HAVE NOT GIVEN ANYONE WRITTEN PERMISSION TO FURNISH THESE INQUIRES I demand they be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went to use my credit card for gas, it was declined so I tried another card, it was also declined. I go to use another card, same thing. My dog was in the hospital & I went to pick her up, my other card was declined. I went home & checked all my accounts, all were closed with no warning. I have 11 accounts with Synchrony Bank & all were paid on time, never late & had very high limits. I was not even close to the limit on any of the cards. This has ruined my credit and left me in despair. I have been with this company for many years. I have contacted this company several times & nobody will give me an answer as to why they have ruined my credit or closed all my accounts. The company keeps saying they have mailed letters as to why, they have not.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am writing to dispute the inaccurate late payments reported on my credit file maintained by Equifax . Specifically, the late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not reflect my actual payment history. 
Nature of the Complaint Inaccurate Reporting : These late payments are erroneous. My account was enrolled in autopay, and I have never missed a payment. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting these inaccuracies violates the FCRA ( 15 USC 1666 ( b ) ), which ensures consumers ' right to accurate credit reporting.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Incorrect reporting of late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : These inaccuracies also violate TILA, which mandates truthful reporting of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies are required to ensure the accuracy of information reported. Failure to comply may result in civil penalties under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Equifax investigate and remove these inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments. 
Attachments Copy of my government-issued ID.

Copy of my Social Security card.

Proof of current address ( e.g., utility bill or bank statement ).

Copy of my full credit report highlighting the disputed account and inaccurate late payments.

I look forward to receiving confirmation of the resolution within 30 days.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Took an advance before due date I contacted to revoke. They stopped answering emails. Today XX/XX/year> they debited {$15.00}. That is not an agreed upon date. They need to return the {$15.00} asap and I will contact them to pay in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to all three Credit bureaus Trans Union, XXXX, and XXXX. 
The accounts came back as verified. These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/3018 has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX attempted access to my account with a company called XXXX to access my business webpage, I could not and access my account company could not advertise through XXXX, XXXX and local listings. This was reported numerous times to XXXX, XXXX and XXXX. I lost all access to my business and and to my XXXX, XXXX, business accounts and still have no access. 


I soon after discovered that I have also lost access to the following personal and business accounts, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. this was all reported to the companies listed as well as the following agencies ; FTC, XXXX, XXXX, XXXX, XXXX. 

My accounts have been used for online purchases and I have also have no control of any of these accounts and have had my identity completely stolen with no ability to attempt recovery. THIS IS ALSO HAPPENING TO MY FIANCE. 
We have also reported the suspected individual and companies who are responsible.
Product: Vehicle loan or lease

I allowed a family member to use my information inquire on a car loan. After the inquiry, I told the family member and the Kia Finance loan officer the interest rate and monthly payments were too high and probably unaffordable for her. The family member and Kia Finance still continued to use my information to process the loan. Kia Finance has also caused repeated and double digit decreases to my credit ratings. On XX/XX/XXXX, Kia Finance caused XXXX inquiries to be placed on my credit reports. Kia Finance failed to warn me in advance of these numerous, unwanted and credit destroying inquiries. I have repeatedly asked Kia Finance to remove my name from this account and to remove this account from my credit reports. Kia Finance refuses to remove my name from this account or to remove this account from my credit reports. 

I have never and would never use a finance company for my auto loans. I would never accept a {$620.00} per month payment or an XXXX percent interest rate for a car or any other loan. I only use my banks for my loans. My family member was lured into this predatory loan. Kia Finance knew she was unable to make these payments but still provided her this loan. Additionally, Kia Finance has horrible review and I would never use Kia Finance for an auto loan. My family member is now in default on this loan and owes nearly {$2000.00}. On XX/XX/XXXX, Kia Finance caused my credit score to decrease by XXXX points. Then again on XX/XX/XXXX, Kia Finance caused my credit score to decrease by another XXXX  points. This is a total of XXXX points decrease of my credit score. This is not the first time Kia finance has destroyed my credit score. On XX/XX/XXXX, Kia Finance caused a XXXX point decrease to my credit rating. 

Kia Finance is a predatory and unscrupulous lender with terrible customer reviews. Kia Finance has destroyed the credit scores of many of its very own customers. Kia Finance also sent mail to my home for my relative who does not even live in my state. Kia Finance also uses ringless voicemails to harass its customers.

Kia Finance also attempted to force me into an illegal procedure to register this vehicle from another state in my state. The vehicle was purchased and insured in XXXX. Kia Finance told me I had to register the vehicle in XXXX. Kia Finance even sent registration documents to the XXXX  Department of Motor Vehicles. It would have been impossible and illegal to register this vehicle, purchased and insured in XXXX  in XXXX. Furthermore, the State of XXXX  requires an emissions test. It would have been impossible to obtain an emissions test on this vehicle located in XXXX  for a XXXX  emissions test. Even if possible, it would have needlessly cost me XXXX  of dollars to register the vehicle in XXXX. This vehicle was purchased by and for my relative in XXXX, not me.
Product: Credit card

XX/XX/21 I called company to follow up on likely a fraudulent charge since I had received a text saying bill was past due. 

They told me charge was not fraud but was annual fee. I told them to cancel the card and fees since I don't use the card. They said we can't. I asked for proof that they notified me as I had been on travel. Or if they sent something certified they said no. I said please cancel card and extra fees. I do not use the card. They said no. I escalated and this is still not resolved. I just want my card canceled and for fees and penalties to be removed.
Product: Credit card

Credit Card company ( XXXX ) allowed a charge from XXXX that was not authorized by me. 
There is an ongoing dispute on a contract which I had with XXXX XXXX that they did not perform on and we were in discussion on resolving this dispute.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> 2024
Product: Debt collection

I have reach out to ARS Account Resolutions / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue signs with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I use experience I have tried to dispute my XXXX XXXX is cuz there's bank accounts through banks I've never been a part of or had bank accounts through them before so I don't know where any of this is coming from I've tried to dispute multiple times and they will not take it off so now my credit is really bad when I've never owned a home I've never taken out loans student loans none of that stuff so I would like to get my credit at back at a good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry unauthorized. I have no accounts on any of my credit cards with mentioned company. Please remove inquiry from my Trans Union credit report dated XXXX XXXX XXXX XXXX XX/XX/year>