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

On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from capital XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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. I did not give written instructions to furnish this 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 report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Debt collection

I asked for a debt validation letter to prove if the debt was purchased by NCB from the original creditor and they were legally able to collect on said debt. Also I asked for proof with my wet signature the validity of the debt that they are currently reporting negatively on my credit report as if I had a contract or legal obligation to them. I have yet to receive this validation. They continue to falsely report inaccurate information on my credit profile monthly in an attempt to collect on an unvalidated debt. Violating ( FCRA ) 15 U.S.C. 1681
Product: Credit card

Kohl 'sXXXX XXXXXXXX has informed me that I will be receiving a Kohl 's Rewards XXXX  card. I did not request this card. Furthermore, I was told that I have to first receive the card sometime in XXXX before I can cancel it. Also, I can continue to use my existing Kohl 's store card after that date. If such an option exists, shouldn't the current store cardholders have been given the choice to sign up for a XXXX card? Closing a card with no activity might negatively impact my credit score and I find this highly objectionable.
Product: Consumer Loan

Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact
Product: Checking or savings account

Dear Consumer Finanical Protection Bureau, I am writing to express my deep concern and frustration regarding the discriminatory treatment I have experienced with Citibank. I believe that my account has been unjustly blocked on multiple occasions due to the use of a different phone number to contact your bank. This has resulted in severe inconvenience and financial distress for me. 

I first encountered this issue when I called Citibank using a different phone number. The initial representative I spoke to was not only unhelpful but also rude, and shockingly, they proceeded to block my account. Subsequently, I found myself unable to make purchases, withdraw money, or access essential features of my account. This situation has not only impeded my ability to manage my finances effectively but has also left me unable to meet my daily monetary needs and pay bills promptly. 

Throughout this ordeal, I have diligently cooperated with your customer service representatives and even learned that my phone calls were being monitored by Citibank 's quality control. Despite my inquiries, I have received no satisfactory explanation for the repeated blocking of my account. As a valued customer, I am entitled to transparency and information about the actions taken against my account. 

I am deeply concerned that these incidents may be rooted in discrimination, as I am an XXXX XXXX  customer who has been unjustly targeted. It is distressing to believe that such discriminatory practices are being exercised against me, preventing me from accessing and utilizing my own funds. 

I strongly urge Citibank to investigate this matter thoroughly and provide me with a detailed explanation for the account blocks. If these actions are confirmed to be discriminatory, I request an immediate resolution to rectify this situation and prevent any further discrimination against me as a customer. 

Failing a satisfactory resolution, I feel compelled to explore legal avenues to address this matter. Discrimination is not only morally reprehensible but also illegal, and I believe it is essential to hold institutions accountable for such actions. The repeated blocking of my account has placed an undue burden on my ability to access and utilize my own funds, leading to financial losses and significant inconvenience. 

In light of the circumstances, I am left with no choice but to initiate legal proceedings if a satisfactory resolution is not reached promptly. This potential lawsuit is intended to recover any financial losses incurred due to the account blocks imposed by Citibank due to threatening my account and blocking by discrimination. This has happened mutitple times.

I appreciate your prompt attention to this matter and expect a timely response. 

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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ON XX/XX/XXXX XXXX  XXXX Assigned two loans in my name, which appear on my credit report. One in the. amount of {$240.00} and the second one assigned on XX/XX/XXXX in the amount of {$270.00}. both with the report date of XX/XX/XXXX. I am stating that both if these accounts are not mine. I have no knowledge of either one. either they have the wrong person or this is clearly fraud/identity theft. I have filed disputes with the credit bureau. and I would like this accounts removed from my credit report immediately. 

THE CBE GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Communications on XX/XX/XXXX assigned credit in the amount of {$690.00}. and reported to my credit on XX/XX/XXXX. I am stating that this account is not mine. I have no knowledge of the account. either they have the wrong person or this is clearly fraud/identity theft. I would like this account removed immediately fro. my credit report.
Product: Student loan

Direct Fedloan Servicing reported my loan 60 days past due in XX/XX/2014 in error. I have XXXX loans with them and all have either been in XXXX or on a direct debit. I was unaware they had negative reported me to the credit bureaus until recently. I disputed the negative reporting with the bureaus and it was declined. I called Fedloan servicing and was told that placed XXXX of my loans in forbarnace but not the XXXX. They stated regardless of the error it my responsibility to know that. I asked for a record of the billing statements or communications that would have alerted me that they failed to place the XXXX loan in forbarnce. They could not provide me those details and stated that even if they did n't send a statement, bill notification or acknowledgement that it was still my responsibility to know and thus they are not in error. How am I suppose to know that if they did n't tell me? In addition it 's their error in not placing the XXXX Loan in forbearance. They also stated they have records of my calling in an also applying for economic hardship forebarences, which were applied to the first XXXX but not the third. At no time during these call did any XXXX tell me I was behind. They stated they sent emails to alert me. I received no such emails, never agreed to email communication and every other communication they had sent me was in letter format and by mail. They failed to properly apply the requested forbarance and to all notify me of my balances afterwards
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, DISCOVER FINANCIAL SERVI Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus, refuse to correct information after being provided proof Trans Union reporting DOUBLE JEOPARDY XXXX XXXX one they both reporting on my Trans Union report XXXX XXXX XXXX should be remove off of my credit FCRA Section XXXX Accordion from Trans Union Investigation Results File XXXX Date issued : XX/XX/2018 XXXX 's was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint regarding Transunion 's failure to conduct a complete and thorough investigation and for their continued inaccurate reporting of a public record on my consumer profile ( see the attached complaint XXXX ). Transunion responded on XX/XX/XXXX, advising .the complaint was being forwarded to their consumer relations department for processing ; yet another example of Transunion 's willful violation of the Fair Credit Reporting Act ( FCRA ). Transunion has previously alleged this public record was VERIFIED on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) Additionally, Transunion responded to a CFPB complaint submitted on XX/XX/XXXX for failing to disclose the verification process ; a violation of FCRA Section 611 ( a ) ( 7 ). Transunion even suggested they were NOT obligated to furnish such information ( see attachment ). 

*Transunion is in violation of FCRA Section 611. ( a ) ( 5 ) ( a ) ( ii ) .IIf the same public record that was allegedly verified on two occasions is being sent to consumer relations for the third time, the information  has been unverifiable since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This evening, I found that my credit report contains incorrect accounts, and I am unsure of the reason. As part of my regular routine, I checked my credit report and discovered these unexpected discrepancies. Attempting to refresh my browser to see if it was a technical glitch did not resolve the issue. The inaccurate accounts remained. Therefore, I request a thorough review of the documents I've provided to ensure I don't have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX, Transunion, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates LLC obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # 's XXXX, XXXX, and XXXX were all included in my chapter XXXX bankruptcy and have been paid. However they keep updating monthly and it is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.
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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 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 XXXX 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: Debt collection

I keep getting bills from XXXX trying to collect an amount the is NOT correct. XXXX removed the items from collection status and sold the bill to a collection company now they are trying to collect on a debt that is not correct. There has to be a lawsuit for this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is intentionally reporting incorrect and misleading information. Im beginning to think this is retaliation for not getting another vehicle with this company and or racially motivated. Instead of correcting account status theyve updated my account to look as if payments were past due when in fact they were not Ive attached proof of payments. I actually paid more prior to dealer buy back because thats what I was told to do even though I thought it was odd. I did whatever I was told because I didnt want to negatively affect my credit.

The loan original balance, payment history, and account status in INACCURATE and Ive sent proof. I have receipts of payments, recording and text messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM XXXX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED
Product: Credit card

Received promotional offer on XX/XX/2023 from Goldman Sachs / Apple Card to add a co-owner to my account. The offer provided a {$100.00} Apple XXXX credit if the co-owner was added between XX/XX/2023 - XX/XX/2023 and spent more than {$100.00}. I added a co-owner on XX/XX/2023 and this co-owner immediately spent {$300.00} followed by two subsequent transactions. Theyve not received any credit or bonus. Per the fine print : Each {$100.00} and {$25.00} bonus is earned as Daily Cash and is transferred within 7 days after respective minimum spend thresholds worth of transactions have posted to the New Users Apple Card account and the New User has made a subsequent transaction. Ive reached out to Goldman Sachs / Apple Card support via phone ( XXXX ) and via XXXX XXXX XXXX. Neither support channel has resolved the issue other than creating an inquiry. The promotional details that were received via email to the account owner are also available at https : //offers.applecard.apple/apple-card-family-offer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 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.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to inform you of an error regarding the balance on my XXXX account XXXX with the account number XXXX. I believe that the balance shown on this account is inaccurate due to fraudulent activities that occurred. 

I want to clarify that the card associated with this account has been closed, and I have not been late on any payments related to this account. Therefore, the current balance displayed on this account is not reflective of my actual financial standing. 

I kindly request that you investigate this matter further and correct the balance on my XXXX account accordingly. Please also take the necessary steps to ensure that this fraudulent activity does not impact my credit report negatively. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information to assist with this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Heres a revised and polished version of your complaint for submission : -- - Complaint : I am writing regarding a missed payment that was reported on my credit account due to circumstances beyond my control. My bank account was compromised, requiring me to change my account number. Unfortunately, this disrupted my direct payment setup for an installment account that I had been paying consistently for over 10 years. 

Due to this account change, I missed the very last payment on the account. I did not receive any communicationvia phone, email, or mailregarding the missed payment, which prevented me from resolving the issue in a timely manner. 

When I became aware of the situation, I contacted the creditor immediately. During this call, I resolved the issue by paying the remaining balance and closing the account. At that time, the representative agreed to remove the missed payment from my credit report as part of the resolution. However, the negative mark remains on my credit report, and the creditor has failed to uphold their part of the agreement. 

Request : I respectfully request that the Consumer Financial Protection Bureau assist in having the creditor remove the missed payment from my credit report, as : XXXX. This was an isolated incident caused by an unavoidable disruption. 


XXXX. The payment was made, and the account was closed in good faith. 


XXXX. The creditor agreed to remove the delinquency but has not followed through. 



Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I have consistently reached out to TransUnion in an attempt to have my bank statements reviewed for the payment month in question. XXXX and XXXX have both received the same set of documents that I sent to TransUnion, and they have promptly updated my payment history from 99 % to 100 %. 

I've made multiple calls to TransUnion, requesting that they review my bank statement, which clearly shows two crucial payment entries : one on XX/XX/XXXX ( as evidenced on page 2 ) and another on XX/XX/XXXX ( as indicated on page 5 ). This places the XXXX payment well within the 30-day window. I even had a conversation with a TransUnion representative during which we meticulously went through the statement, page by page, but to my frustration, no update was made. The representative informed me that it might take up to 30 days to see any changes, but despite the considerable wait, I haven't received any notifications of an update.

To add to my frustration, TransUnion has blocked me from uploading new documents via their website. Every time I attempt to do so, I receive a message instructing me to call in. However, when I follow this instruction and make the call, I'm persistently transferred from one representative to another without any resolution. 

Once again, I am attaching my bank statement and the payment history from XXXX XXXX, which unequivocally demonstrates that my XX/XX/2022 payment was made on time. Despite providing this concrete evidence, TransUnion has continued to refuse to update my payment history to reflect 100 %. This situation has become incredibly exasperating as, despite my proof, I seem unable to receive assistance. 

Regrettably, it appears that the only means of getting their attention is by submitting multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). I am prepared to upload the documents once more, this time with the payment entries from my XXXX XXXX account highlighted. I kindly request that you address and resolve this matter promptly.