23daVinci/CFPB_Complaints huggingface dataset:
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 https : //www.ftc.gov 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, my account with XXXX XXXX was transferred to another carrier. Arrangements were made in person at XXXX XXXX store in XXXX, CA and with the new carrier. All devices were included. The new carrier stated that XXXX would be notified of the transfer. 
Beginning in XXXX, I received a bill stating my XXXX account was not paid. The amount on the bill was for both XXXX and XXXX. I immediately tried to contact XXXX but all attempts to call were directed to a robot that didn't offer any way to contact a person and its menu was useless. I tried different phone numbers for customer service with the same result. Dialing " 0 '' during the call was not effective. I contacted a chat line and was told that the problem would be addressed. In XXXX and XXXX, I called a chat line and was told either the entire bill would be paid with no alternative. On XXXX, I was told I could pay the remaining XXXX bill even though no service was provided. On XX/XX/XXXX, I paid {$130.00} and was told that would end the account. On XX/XX/XXXX, I received another bill for XXXX. All attempts to resolve this has failed and I am not paying for a cancelled account with no service. There is now a device number on the bill for a device that I don't recognize. Today, I received a bill from a collection agency.
Product: Vehicle loan or lease

I purchased my used vehicle in XXXX of XXXX with an XXXX interest rate of almost 22 % with the loan going through Exeter Finance. Total loan to start {$36000.00} To date as of XX/XX/XXXX I have paid a total of {$27000.00} of which {$16000.00} has gone to interest rates, leaving only {$10000.00} to the principal. 

There are several months where Exeter Finance didn't post any of my monthly payment of {$860.00} to the principal just to interest. As it stands it seem that I'm paying 75 % goes to interest which in my mind seems a lot like extortion. What has set me off of late is when I had received a small settlement, I decided to pay {$6000.00} in advance, which I called and advised Exeter that this was what I had planned to do. I paid {$3000.00} on XX/XX/XXXX & an additional {$3000.00} on XX/XX/XXXX. This should have gotten me through XXXX of XXXX. I was getting harassed by Exeter finance starting in XXXX stating that I was late in paying my payments and I told them that I was not late that indeed I was ahead. I spoke to 3 different people and they stated that I could not pay more than 3 months in advance and I requested that they send me the contract in which it states that I couldn't pay more than 3 months in advance, which they could never provide. I also, after printing out my statement of payments, asked them to advise WHY they had not posted anything towards the principle in 6 payments and now as of todays date XX/XX/XXXX I now have a total of 9 payments that have all gone to interest. I requested that they refinance my vehicle to lower the interest and they stated they couldn't do that. 
This company is literally committing robbery against me and I don't understand how a 22 % interest rate turns into more than 50 % through my payments. This is highway robbery and at the very least goes against XXXX laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XX/XX/XXXX I pulled a copy of my report and found several accounts that I had no recollection of. I have sent letters out to the credit agency 's since XX/XX/XXXX until XX/XX/XXXX. Each time they state it's verified with no info as to the verification used and who verified it. I have also noticed that the dates are also incorrect and they couldn't even get that right which leads me to believe it has never been looked at. The accounts uploaded should both fall off in XX/XX/XXXX not XX/XX/XXXXor XX/XX/XXXX. This also shows me no one truly is looking at it. I've made numerous calls and they either claim there system is down, they couldn't see my I'd clear enough or they don't know what I'm disputing. I also have copies of each letter sent I could also provide if needed as well as tracking numbers show I g they have it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Product: Checking or savings account

Multiple accounts of overdraft fees, most when funds were available in the account at the time of the charge. Others they blamed on time differences of when the next day started to justify multiple fees.
Product: Credit card or prepaid card

I have experience fraudulent charges on my Capital One credit card. After opening disputes, Capital One reapplied the charges and provided a vague letter with no information regarding the dispute. There are 3 transactions that are fraudulent. The fraudulent transactions are : XX/XX/2022 XXXX at XXXX XXXX overcharged {$100.00} ( {$610.00} instead of {$510.00} ), XX/XX/2022 XXXX XXXX for {$32.00}, and XX/XX/2022 XXXX XXXXXXXX  charged {$130.00} but less than half of merchandise ( missing photos of myself and video of XXXX XXXX ) was provided, resulting in an overcharge of about {$65.00}. Enclosed is receipt from XXXX XXXX, Email alert from Capital One on XX/XX/2022 to inform me of fraud from XXXX XXXX and my email communication with XXXX XXXX ( who has not responded ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach that lasted from midXXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

On top of that, allegedly Equifax executives sold their stock in the company before the information became public which allowed them to cash out before the bad news came out publicly ( possible insider trading? ).
Product: Credit card

I intended to pay of CITI CREDIT COSTCO in full so a check, along with the statement, for the amount of XXXX was sent on XX/XX/2016 to cover the full balance. 
The check was received by CITIBANK and cashed but the bank has been unable to process it appropriately and post it on my account. 
Since XX/XX/2016, my calls, faxes, and email to the customer services have been worthless and without result. The main issue here is that my money is being held for no reason ; and at the same time late fees and interests still being charged. 
I do n't see how this issue is going to end since the customer service is not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX, XXXX XXXX Balance : {$57.00} ; XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a loan, I was given a copy of my credit report and I noticed some of my personal information Experian, XXXX, and XXXX was inaccurate or missing including current address and date of birth.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed UPGRADE INC Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Product: Credit reporting, credit repair services, 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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 seven years. 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 submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXXXXXX XXXX victim. I submitted my dispute via XXXX XXXX  and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of XXXX and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for Acct starting with XXXX ( XXXX ) I sent a letter via certified mail delivered on XX/XX/XXXX to National Credit Adjusters regarding a collection being reported on my credit report asking for validation of purported debt, to include relevant information that is required to be furnished by law : Copy of orig. contract Name and addr. of orig. creditor Name and addr. of alleged debtor Amount owed Full acct number Date acct open Date of last payment Date of first delinquency Complete acct activity Proof that this debt was sold to the company, and that they have the legal authority to collect the debt I had not received a response for well over one hundred and fifty-five days since National Credit Adjusters got my request to validate this debt. On this basis alone, the account should be deleted from my credit report since it is in violation of my rights under the Fair Credit Reporting Act. I have the cert mail receipt to show that it was received. Today, I was provided with the attached. This is not an acceptable validation that the debt belongs to me for the following reasons : 1. Nothing was provided that constitutes proof of the purchase of purported debt from the original creditor. 2. This is not my account, and I did not sign this document. 3. The address indicated on the document is not mine. 4. The bank account on this document is not mine. 5. The amount owed listed on the document is {$530.00}, but the amounts broken down in the document do not equal {$530.00}, AND the amount being reported on my credit report is {$590.00}, your response letter also says a different amount of {$590.00}. Also, the date last active had been updated to XX/XX/XXXX, which is re-aging, and is unlawful and a violation of the Fair Credit Reporting Act. I kindly ask that this account be deleted from my credit report at all CRAs, and all contact and collection attempts stop. Upon a response to this complaint, if this is not resolved as per the law requirements, my next contact will be the Federal Trade Comm, XXXX XXXX XXXX, the XXXX, social media, and the media. I will pursue legal action for damages if necessary.
Product: Credit reporting or other personal consumer reports

I have noticed multiple unauthorized hard inquiries on my credit reports specifically from TransUnion and XXXX. I was able to obtain this information using credit karma. XXXX of these hard pulls came from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Upon noticing this I reached out and called the creditor, and I was told that the XX/XX/XXXX report they have already removed and that the credit bureau was notified by them to remove this hard inquiry months ago. XXXX XXXX began another investigation into the XX/XX/XXXX incident. 

The XXXX hard inquiry is from XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX dating back to XX/XX/XXXX. 


These XXXX hard inquiries have significantly harmed me and prevented me from obtaining credit cards which I really have desired. 

I WOULD LIKE TO FINALLY HAVE THEM REMOVED OF MY CREDIT REPORT AND STOP HARMING MY CREDIT SCORE IN THE FUTURE
Product: Mortgage

I have a loan with Vanderbilt and have used your government HUD company and housing counselor. They were not able to budge Vanderbilt mortgage on anything. Vanderbilt says they are an independent mortgage company and can do as they please and not have to abide by the new government laws. My interest rate is 10.78 % I am drowning so I am being forced in XXXX bk. And Vanderbilt is still fighting that by not agreeing to payment plans and just making me miserable and literally sick over this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for XXXX XXXX ends bring XXXX XXXX with incurring. Daily. My student is in question because of the almost XXXX XXXX. This practice has impacted my crefit negatively as a woman of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I ran my credit report in XXXX and noticed a charge off account I did not open. I called the number on the report and was told it was a PayPal credit card. The woman on the line could not find an account for me so I disputed the charge with the three credit bureaus. The dispute came back with the bank saying it was valid. I called Synchrony Bank and discovered they had opened a credit card account in on XX/XX/XXXX using a name I have not had since XXXX and an address I have not lived in since XXXX. They refused to take my fraud complaint unless I gave them my new name and correct address to allow them to correct the information on the fraud account. I asked them to please close the fraud account and tell me how it was opened. They refused. I asked to have it escalated to a manager she refused to note the account as a fraudulent account. I asked to be escalated again and they hung up on me. I am not able to refinance my mortgage because they continue to report this account as past due every month with a balance that is increasing by {$2.00} each month. The account was opened with a {$1500.00} limit and now reporting a past due balance of {$40.00} due to some time of $ 2 monthly charge. I have never received a credit card and believe they must have opened a card in my former last name and sent to the address where I used to live. I never requested this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not believe I have to keep dealing with this, my identity was stolen and was used to open account with a bank which is reporting on my credit report as XXXX XXXX XXXX. I do not know who opened this account nor do I know how my identity was stolen. This account was opened on XX/XX/2022 and the account number is XXXX and the stolen amount is XXXX. I need this account blocked and deleted off my credit report immediately. I have even tried getting in contact with the company however I was told the account was sold off to another company and when I call that company they tell me something completely different. It's like i am a toy to these big corporations. I need this removed ASAP, I can not wait any longer this is unbeilable.
Product: Debt collection

Submitted an inquiry for the validation of debt on XX/XX/year>. The information I requested was never provided to me. ( See attached letter that was sent. ) Transworld Systems INC has violated FDCPA 1006.34. I was not provided with the last payment date info, transaction dte that gave rise to the debt or the judgement date, there is incorrect name for the consumer, and the date for end of validation was not included. 

What was provided to me was a state of deposit on account from the XXXX XXXX XXXX ( see attached ) and the name and address does not belong to me. 

Correct spelling of my name : XXXX XXXX XXXX Document Submitted and attached : XXXX According to FDCPA 1006.34 ( C ) ( 2 ) ( ii ) The consumers name and mailing address must be correct.
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested Chase to set my cash advance limit to zero on account ending in XXXX. 
I was informed this is not possible as the minimum is {$100.00}. 
I replied asking for a second confirmation, as the other account ending in XXXX shows cash advance limit as XXXX. 
I was informed that the minimum they can change currently is to {$100.00}, and asked for a confirmation to set the cash advance limit on account XXXX to {$100.00}. 
I confirmed, and clearly advised that this should apply only to account XXXX and leave account XXXX untouched ( as it was already XXXX ). 
I received a confirmation stating the following : ************ We'll be happy to assist you with decreasing the cash line on your account ending in XXXX. 

XXXX, the cash line on the account ending in XXXX is XXXX. 
However, at present we can reduce it to a minimum of {$100.00} on the account ending in XXXX. Your new cash line is {$100.00} and you can use it immediately. 
************ Upon checking, I noticed it was not processed as stated. Instead, the {$100.00} cash limit was put on account XXXX ( that was previously XXXX  ), leaving account XXXX with the original cash limit ( over {$5000.00} ). 

I replied notifying Chase of the mistake and requesting to be fixed. 

While they fixed the cash limit on account XXXX, the account XXXX remains with {$100.00}, and I did not request any change in that account. 

Chase made a mistake, and is not handling it professionally.
Product: Credit reporting or other personal consumer reports

I was divorced XXXX  years ago. My ex-Wife continued to use the XXXX XXXX Card that I was an Authorized user on. She became delinquent on the card. This is showing up on my credit report. I would like to have it removed off the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.