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

CIC has stolen my personal private information and shared it without my permission. Sold my personal rental records without my permission, obtained and published my private personal information without my knowledge or permission. Published false and misleading documents to potential landlords causing my denial of housing based on inaccurate information regarding XXXX XXXX XXXX Placed active judgements on my rental record when there are none. Will not allow for disputes to be levied on their website. I demand that all records be deleted immediately, and not report, or collect my information without express written consent or legal action will follow for aggravated identity theft.
Product: Checking or savings account

I made 2 deposits over the last two months to Lead bank credit builder savings acct of {$30.00} each when I went to close the account they said I would only get {$46.00} furthermore they told they would hold the funds for 3 to 4 weeks meanwhile im a XXXX  citizen on fixed social security income with life threatening illness this is excessive hold is preventing from having food XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXX XXXX XXXX  on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres evidentiary inclusive of this complaint as Evidence of the Facts, the fact is that these XXXX XXXX got {$640.00} as seen on my XXXX XXXX XXXX Statement. Also there is a letter from Portfolio Recovery Associates, LLC whereby they would request the Credit Reporting agencies [ Delete ] Portfolio Recovery Associates LLC TradeLine, to-date these XXXX  XXXX are still Reporting this XXXX in the thought of intimidation and White Supremacy with acts of continuous delays, but these XXXX XXXX got proceeds in record time from me as promised, calling on you, the Consumer Financial Protection Bureau to implore Redress immediately in this matter!
Product: Credit reporting

Re : XXXX XXXX XXXX SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX care. On or about XX/XX/2016, Your company states I owe : {$200.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and my personal information has been compromised and misused by a XXXX XXXX  to secure an unauthorized loan for a XXXX XXXX XXXX in XXXX. The fraudulent actions include signing my name on a contract without my consent, resulting in a loan with triple the interest rate compared to what was initially agreed upon. 

Here are the specific details of the fraudulent activity : XXXX. Unauthorized Contract : I did not sign the loan contract for the XXXX XXXX XXXX. The dealership forged my signature and submitted it without my knowledge or consent, which is a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, et seq.

2. Inflated Interest Rate : The fraudulent contract includes an interest rate that is triple the rate I had agreed to initially. This inflated rate was not disclosed to me and was never authorized by me, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 
XXXX. Dealership Misconduct : The XXXX XXXX  in question pushed through this unauthorized contract despite my clear instructions and without my involvement. This constitutes a blatant act of identity theft, as defined by the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department.

Documentation of the unauthorized loan contract and the original contract terms that I had agreed to. 
My personal identification documents for verification. 

I kindly request that the credit bureau takes the following actions : 1. Immediate Removal : Remove the fraudulent loan entry related to the XXXX XXXX XXXX from my credit report, as required by the FCRA.

2. Investigation : Conduct a thorough investigation into this matter to ensure that no other fraudulent activities are impacting my credit report, in accordance with 15 U.S.C. 1681i.

3. Notification : Notify me promptly of the actions taken to correct my credit report and provide confirmation of the removal of the fraudulent entry, as mandated by the FCRA. 

This fraudulent activity has significantly affected my credit score and financial standing, and I am seeking your prompt attention to rectify this issue. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to restore the accuracy of my credit report. 

Thank you for your cooperation and assistance in resolving this matter. Please contact me if you require any additional information or documentation.
Product: Debt collection

This is another case, a follow up for case : XXXX. 

Comenity Capital Bank responded with : " Your account was previously enrolled in automatic payments with XXXX, via the Customer Portal ( CP ) on XXXX, XXXX, 2022. The payments were initially set up for a fixed payment amount of {$150.00}, later that same day the amount was updated via the CP for the minimum payment due. ' I never updated that amount later to minimum payment, why would I even do this??? There is also no confirmation anywhere that I changed it to minimum payment after I initially set it to {$150.00} ( there was an email confirmation when I set it to {$150.00} ). This company changed it behind my back or their system somehow failed, but I never changed it back by myself, I never even got a confirmation that it was changed to minimum payment- I would at least see that it has changed and would change it back to {$150.00} or at least reach out to DELL. This bank is lying, so they can collect interest, which I do not owe them. This is unfair and disgusting and it seems like you do not even read their responses or you are ok with fraudulent banks. 

I am attaching a screenshot of the email I received when I changed the payment to {$150.00}. There is no such email with another later change to minimum as this bank claims.
Product: Debt collection

They call me at all hours of the day and now use a unknown number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/
Product: Debt collection

XXXX XXXX XXXX every year attempts to collect money from me. 
XXXX XXXX XXXX/ I settled thru the Attorney General of Virginia on XX/XX/XXXX . 
They use I.C. System to collect this fictitious debt. 
I always contest the debt but they still try to collect.
Product: Debt collection

XX/XX/2019. Pioneer Credit Recovery has called my neighbors that I dont even know. They literally just moved in in XXXX. They told them my personal business. They were not on my reference list as I dont know them. This can not be legal.
Product: Debt collection

The Debt Collectors contacted me by text, saying I owed {$170.00}. I called the medical service referenced in the text ( XXXX XXXX XXXX ) and confirmed my bill was paid. The medical service gave me the portal address and steps needed to pull up proof of payment. 
I did not contact the debt collectors because 1 ) the medical service didn't know why I was being contacted by them, and 2 ) I was afraid if I called them, they would then have further access to my phone and everything in it. 
The phone number of the Debt Collectors shows as XXXX The text said to call XXXX or visit www.dbtsolutions.com/make-a-payment
Product: Checking or savings account

Dear  Mr.President, Good  Afternoon. Im reaching out because I have a dilemma with my current account. On  XXXX   XXXX , I noticed there was a debit of approximately $  XXXX  in my  Citigold  checking account. After calling up the Citigold line, I was told this was related to a lien from  XXXX   XXXX   XXXX . Heres a bit of the timeline :  XXXX , I receive a notice from the  XXXX  for a potential lien of $  XXXX . Its from  XXXX   XXXX . When my business closed, our balance with  XXXX   XXXX  was {$360.00}.    XXXX , I go to  XXXX   XXXX  court and file an order to show cause. The judge stops the execution of any liens, wage garnishments, etc.    XXXX , I call up Citigold customer service and they told me to contact  XXXX   XXXX   XXXX .    XXXX ,  I  fax over the order to show cause. It states that as of  XXXX ,  XXXX   XXXX   XXXX   XXXX  the  XXXX   XXXX  cant execute any liens, etc.    XXXX , I speak with Citigold relationship manager and puts me in touch with  XXXX .  XXXX  is very nice and helpful and wants to help. She stated she will call me back on  XXXX . I finally receive the bank hold execution from  Citi  ( almost two weeks later ).    XXXX ,  XXXX  calls me back and according to her management, they cant reverse the decision. They stated because they didnt know about the order to show cause, they executed the hold on my bank account. Unfortunately, the court order to show cause stops the lien, freezing of bank account, wage garnishments, etc.  <P/><P/> Why isnt Citi protecting the interests of its customers? There is a clear violation here. If the court order is stopping any action from the plaintiff, why isnt  Citi  helping me? I dont have millions of dollars, but Citi should be defending my interests. Why wasnt I notified electronically of the hold? I am bit confused as to why I am not getting the help I deserve. The plaintiff & Citibank has violated a court order. Regardless of the timing for the execution, I am in the right here. Please get my money back. I 've attached the order to show cause.  <P/> This is a very frustrating experience and annoyed that I have to do all this to get a desired resolution.  <P/> Appreciate your time and help.  <P/> Please contact me at  XXXX .  <P/> Sincerely,  XXXX   XXXX
Product: Debt collection

Hello I am writing this complaint because there is a number of things on my credit for debts that I didnt owe I am a victim of identity theft and someone has used my SSN and created these accounts I havent owned my own SS card or birth certificate I dont own a state Id as of yet I have never owned any of my personal documents I dont know how all these things are in my name I desperately need help I can be reached atXXXX my family have put things in my name in the past that wasnt me as a teen and young adult
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card

First, I was approved for this card that at the time I didnt even have a job ( Covid ) and did not have the credit or even really the means to pay, so I should of NEVER been approved. 
Then, I was charged a higher amount by the provider of service than what someone paying cash or regular card would be ( to cover their fees for using care credit- my understanding is that this goes against the contract ) I was also not allowed to choose the promotion, but was told the promotion would be no interest if paid in the period of time- my monthly payments were set and paid, but not set ( by care credit ) to pay the full amount off in the promotional period ( VERY MISLEADING )- I was then charged almost DOUBLE the initial transaction in interest.
Product: Checking or savings account

My bank closed my account without any reason on XX/XX/2022, and until now I have not received the cashier check with my money I had ... more than XXXX usd.
Product: Checking or savings account

I have an Axos Bank account with their Axos Invest product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. I immediately disliked Axos 's customer service and responsiveness, so I closed my Axos Invest account by selling off all securities in the account in early XXXX. 

Fast forward to XXXX and receiving tax filing documents. Axos sent me a 1099-Combined that omits the tax basis for the sale of nearly {$17000.00}. This means my tax liability will be much higher than it should. 

They have been completely unresponsive to resolving this issue, and the tax deadline is approaching. 

I have called Axos Bank on the following dates this year to resolve : XXXX XXXX ( x2 ) XXXX XXXX ( x2 ) XXXX XXXXXXXX ( x2 ) -XXXX  XXXX My customer portal interactions with Axos in XXXX have been on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( x2 ) XXXX XXXX See Case # XXXX Every time I message or call, Axos marks the conversation as " closed '' while saying they have no ETA on when they will deliver the cost basis. 

I have 2 friends who used this service and are experiencing the exact same issue. If consumers aren't carefully reading the documents Axos sends them, they will not realize the potentially XXXX XXXXXXXX in incorrect tax liability, especially if using a tax filing website like XXXX. What Axos is doing is criminal.
Product: Debt collection

This is getting more and more ridiculous. I had been contacting XXXX that they mistakenly mixed up my name with another person I never know, and I had never been to the state this person lives in. XXXX never taken action to differentiate my information apart from the other person 's, instead, they are keep providing credit record of the other person to debt companies under with my name and my real address. Now a company called Fair Collections & Outsourcing is telling me that I still have a debt to pay, which is apparently not mine because I had never been to the state where the apartment they mentioned in the letter is located. Additionally, they use the name of the other person I mentioned above and still with my own mailing address, and this is how I can tell that XXXX is still providing wrong information to these credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX  and they won't update balance. I filed a dispute with all three bureaus but XXXX  claims my balance is XXXX.
Product: Money transfer, virtual currency, or money service

Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You
Product: Credit card or prepaid card

I recently settled by {$4600.00} collection with bank of America for {$3000.00} on XX/XX/XXXX. During the settlement conversation, I was advised to call back on Friday XX/XX/XXXX to verify that the account status had been updated to settled so that my mortgage company could have the three bureaus call in to verify the same. The urgency is due to me needing to close on my new home but the updating of this account is the only thing delaying this. When calling today, the representative that I spoke to would not clearly verify that the account read as a settled account nor would she transfer me to a supervisor upon requesting to be. I settled an account that in a few months would no longer be on my credit report due to the 7 year rule with FCRA in hopes of having this resolved quickly. But now I am getting conflicting information and can not get the account verified as settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XXXX  2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I called and spoke to My Great Lakes representative. I requested all my XXXX & XXXX optional loan payments to be refunded ( 22 payments totaling {$11000.00} ). I was told 30 days. ( 30 business days would have been Friday - XX/XX/XXXX. ) I have waited over 44 days ( 30 business days ). The servicer is not providing my refund within a reasonable timeframe. The servicer is not fulfilling refund requests in the order that they have been received.