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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card

I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt.

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties.

2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified.

Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy.

If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, A company named XXXX XXXX XXXX XXXX XXXX with the following address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following people behind it XXXX XXXX XXXX XXXX XXXX, aka XXXX XXXX, on the internet which is a get-rich-quick scheme was pushed me into paying {$5000.00} using a professional salesperson during a zoom call for what they advertised as " one-on-one coaching to sell on XXXX, '' which I later figured was just a pre-recorded course that was also available online for free. I lost {$5000.00} + {$20000.00} following their advice. 

I contacted my credit card company, Discover, on XXXXXXXX XXXX and disputed the charge. Before that, I contacted the seller, XXXX XXXX, and told them they falsely advertised and pushed me into paying for something that was a total lie, but they ignored me and even cut my access to the course. Discover initially returned my money, but then the seller sent them a letter with forged evidence of my participation in the so-called XXXX group to show that I received coaching which was photoshopped and it was not my participation. Discover bank based their judgment on this forged letter, and although I told them that it was a forged document, they told me that the seller should agree to give my money back. Considering the scam nature of this business and their forging evidence practices, the business did not agree to pay me back, and I hold Discover responsible for this since they based their judgment on a forged document and don't want to get involved since they only care about the {$5000.00} that was spent using their credit card.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers.
Product: Checking or savings account

On XX/XX/2019 @ XXXX XXXX EST I called Citibank regarding a problem I had getting a copy of a check online. I spoke to a supervisor by the name of XXXX who told me she would send me a copy of the check via email but never did. I had spoken to three ( 3 ) people prior to speaking to XXXX. 

I just want a copy of the check. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax LLC To Whom It May Concern, I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXX XXXX XXXX  XXXX Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely,
Product: Mortgage

My XXXX father took out a reverse mortgage through Reverse Mortgage Solutions. When he passed away, our intent was to pay off the loan. RMS never sent notification to the heirs providing the rules, our rights, and asking our intentions, which were to pay off the loan and keep the house. My sister was eventually able to get them to speak with her over the phone and obtain the paperwork to submit stating her intentions to pay off the loan and keep the home. Over several calls she received many different claims as to what paperwork they had or had not received. My brother, the executor, contacted them asking for the payoff amount and received a letter stating ~ $ XXXX. My sister, an heir who had moved into the house, after submitting her intention to purchase the home, contacted them many, many times requesting information about how to proceed and after much avoidance, they finally told her they would have the house appraised and someone would be in touch. We never received the appraisal results or notice that an appraisal had been completed, which is what my sister believed she was waiting for to proceed. Eventually, she found out the house was going to the Sheriff 's sale, but we had never received notification of foreclosure. At that point my sister went to a bank to get a loan for the house, and was told the house had been appraised by RMS for ~ $ XXXX. My sister had more than the appraised value available and went to the Sheriff sale to bid on the home. An RMS representative showed up to the Sheriff sale and placed a winning bid of over $ XXXX, nearly 3 times the amount of the appraised value. My sister lives in the home and has tried very hard to work with RMS to purchase the home ; RMS did not, in good faith, work with her or provide her with the information necessary to proceed with paying off the loan, surely because they would have lost over $ XXXX given the appraised value. The sale is set to be confirmed in court on XX/XX/XXXX, where my sister will contest the sale.
Product: Credit card or prepaid card

I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.
Product: Debt collection

I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Product: Credit card or prepaid card

I used the Chase Mobile App to pay my balance off on my credit card. I normally get an immediate confirmation that it is being processed, but this time I didn't. I chose Pay Bill and scrolled down to See All Activity. It immediately, without my authorization, began processing a second payment for the exact amount as the previous payment made which was listed as processed and completed. I had two different confirmation numbers and two payments taken. I had a negative balance on the card the next day. I assumed it was a glitch and didn't worry about it, because I had pending purchases anyway. 

Well, it happened again today. I tried to pay the balance, no confirmation, I checked it later and it processed a second duplicate payment without my authorization. I called customer service and they said to call back when the second payment was completed and they would issue a refund. It could take a few weeks to be put back in my checking account. Meanwhile, my money is gone from my checking account. Money I did not authorize or owe. 
Please check into this if possible. Below are the payment summaries and confirmation numbers. Thank you so much! 
XXXX XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$420.00} Description Other Confirmation number XXXX Status In process Payment scheduled date XX/XX/2018 Amount {$420.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number 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.

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 or other personal consumer reports

I disputed this with a XXXX because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation. Please remove it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a pair of checking and savings accounts with XXXX and a few weeks later my account is suddenly shown to be frozen. XXXX has a banner that said to call a fraud phone number but the phone number instantly goes to voicemail. I confirmed with a representative on the regular chat line who confirmed that this is by design and that there is no one to speak to if I wanted to unfreeze my account. There are no one support channels to speak to someone directly about this freeze. They all say to call this phone number which has no person on the other end. I find it highly unreasonable that my accounts can be frozen without any means to clarify any ways to unfreeze it or work through any problems it may have. There simply is no way to reach out to a human person to expedite unfreezing the account.
Product: Credit reporting or other personal consumer reports

I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

This loan was identity theft. Was opened in XXXX of XXXX. If you look at my credit report not a single payment was made on this car. I sent certified police reports to this company and they never removed which is a violation of fcra. This loan was obtained like others using my information with the use of a paper copy of a license ad paper copy of a social security card. So unprofessional and unethical. If they do not remove it I will obtain legal action as I know and have proved this was not me who took this car. My ss number is XXXX
Product: Prepaid card

For my birthday my stepmom bought me a {$50.00} american express prepaid card but when i try using it i can successfully purchase anything without an error. Ive checked the balance of the card and it even says its active on the website but i dont know why it just wont let me use it. I havent tried using it in person.
Product: Checking or savings account

td bank closed my account after XXXX week is open. the reason for them to closed my account is i had too much XXXX XXXX XXXX  payment and XXXX  payment but when i open the account, i noticed the bank that i will had payment from different people and different countries. people making payment to me in bank account because i work remote with different countries. i go out of XXXX to different countries within XXXX to XXXX year later. now td bank company is complaint that had too much XXXX XXXX XXXX XXXX XXXX  payment.
Product: Debt collection

Received letter from Allied International Credit Corp. stating that I owed XXXX in unpaid debt to XXXX. I have never done business on or with XXXX and so can not owe them anything. Attempts to resolve the problem go unsatisfied and are met with stall tactics and threats.