23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

US Auto Sales is attempting to collect a debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692 gXXXX Letter was received via certified mail on the XXXX of XXXX and signed by XXXX XXXX and the 30 day time frame has expired. Still no correspondence. I also requested them to cease and desist all communications but have received emails as well as spoke with their agents who have still continued to take money from me after I told them to cease and desist all communication. 

XX/XX/2022 spoke with agent XXXX, not sure if her name is spelled correctly. When I asked her to verify how to spell her name, she hung up on me. Called right back and spoke with XXXX, who took a payment of {$47.00}. XX/XX/2022 spoke with XXXX who did not take a payment but had to send a code to my vehicle for me to be able to drive it after I requested it be taken off of my vehicle while this investigation is going on. Then on XX/XX/2022, spoke with XXXX XXXX who took a {$20.00} payment from me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information ( In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the account #, date opened, high credit, credit limit, last reported, date of last activity, and day of the last payment. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

I have described the problem prior, and have a file at Citibank regarding this complaint. 

I raised several points with Citibank, NA., but in their reply my specific disagreements with Citibank 's handling of my account were not addressed. I cited at least three unanswered letters/correspondence to the company many months ago, and I also documents an inability to reach Citibank 's customer service department via telephone, during the early months of the Covid pandemic. Citibank, specifically, directed people to its website in order to resolve account problems. I advised in my recent CFPB complaint and my prior correspondence, that my password was not operational, and I was unable to proceed in this manner ( contacting via the phone loan ).

In my complaint to Citibank, they did not address any of their failings to deliver adequate customer service, via a reasonable wait time, and by answering my ( documented ) mailings to their offices. Instead, when reached at their corporate office I was advised by XXXX XXXX that I " should have called everyday, '' despite my advising her wait times were excessive, and I had limited time due to being on my work break, etc. 

Citibank, in short, did not address any of my specific claims. Instead they arbitrarily state they are unable to do anything to mediate my damages. I would request a full review be done of all the circumstances of me losing my points. I have taken many hours to review and catalog phone records, mailings, etc., whereas Citibank has given this no true, in depth review. Citibank appears in violation of their customer agreement on several levels. I am requesting reinstatement of around {$500.00} in Thank You Points, or a cash reimbursement, if the account can not be reopened. I have repeatedly pointed out the problem with accessing the account, but none of my points have been dealt with point by point.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for about 3 years. Starting in XXXX of XXXX I requested a new debit card which I have yet to receive. I would just transfer the money to my linked bank account and that was fine. In XXXX I received a new debit card number from my linked bank account and so I attempted to replace the card in my Venmo account. I kept getting an error message. Since I no longer have a card on file I can't transfer my money. I've tried other ways and keep getting error messages. I notified Venmo. Since XXXX XXXX I have not been able to access the funds in my Venmo account. On XX/XX/XXXX supposedly a new card was ordered and supposed to arrive by XX/XX/XXXX. Never arrived. On XXXX XXXX my account was then frozen for unusual activity because I tried different ways to access my money. I attempted to buy and transfer crypto which they stopped and so I sold it back but now they're making me wait a week for those funds to review the sake. Altogether though my account is frozen and they asked for identification which I immediately sent. They claimed I had other actions to take so I submitted identification again. Now they are reviewing and want me to wait until the middle of XXXX. This is beyond ridiculous. They can instantly cash a check ( for most people ), instantly move money, etc but when it comes to me and my account I have to wait weeks and months? Not acceptable! I just want my money. I have always received money from the same people, spent at the same places, no irregular events in 3 years. So there's no reason to withhold my money. It's not even a large amount. XXXX $ but I need that money. I depend on it. I just want my money immediately to the bank account that has ALWAYS been linked and im done. Close that Venmo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED TO REQUEST MY TRANSUNION CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR XXXX  AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, REQUESTED BOTH TRANSUNION AND XXXX, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has XXXX my rights XXXX XXXX XXXX  Account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 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 other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate
Product: Credit card

On XXXX XXXX, XXXX, I made arrangements with the Capital One # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all three of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. Capital One withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Product: Mortgage

I had requested to remove my PMI since my home value increased and my remaining payment was less than 80 % of my home value. The company received my request and denied with unreasonable answer. I disputed and they requested further information. I provided the supporting information but the company didn't resolve the issue. I submitted my complaint to NJ state. Then, they replied with unreasonable excuses.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against both TransUnion and Experian for failing to provide proof of verification for accounts they claim to have investigated and verified on my credit report. Despite my multiple formal request for documentation demonstrating the accuracy and legitimacy of these accounts, neither credit bureau has provided any supporting evidence to justify their continued reporting. 

Additionally, Experian 's response to my dispute raises further concerns, as they have reinserted previously deleted information back onto my credit report without proper notification or verification. XXXX Report # XXXX and my generated report on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), any reinsertion of deleted information must be accompanied by notice to the consumer and supporting documentation proving its accuracy. Experian 's actions violate my rights and create further inaccuracies on my report. 

Under the FCRA, I have the right to request verification of any reported accounts. If TransUnion and Experian are unable to provide original documentation proving the validity of these accounts, they are required by law to remove them from my credit report. Their failure to do so constitutes a clear violation of my rights under the FCRA and raises concerns about their compliance with federal regulations. 

I request that the CFPB investigate this matter to ensure that TransUnion and Experian are adhering to their legal obligations. Additionally, I demand that all unverifiable accounts be removed from my credit report immediately. If these companies continue to report inaccurate or unverified information, I will have no choice but to explore legal action for their noncompliance and seek damages for any harm caused by their negligence. 

Please provide me with updates regarding this complaint. 

Thank you for your prompt attention to this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

I have no association with these creditors, and these inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was decreasing so I had to ask an XXXX representative what's caused it, so they checked and told me there's a loan I'm not paying which is from affirm Inc. And I don't know anything about the Affirm Inc . I googled there phone number and called the number wasn't going through. 
Affirm Inc . 
XX/XX/2021 {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, XXXX and equifax credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Product: Debt collection

I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/2019 but the " creditor '' reported it delinquent in XXXX of 2019. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So I reached out to the company and the staff was so rude. So I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified fraudulent accounts that I did not authorize. These accounts are severely damaging my creditworthiness, and hurting my ability to obtain credit, and I demand their immediate removal. Thee is also another item in inquires section that I want it to be removed : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Child Support Enforcement Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to request that you remove child support information from my consumer report in accor-dance with Section 1681b of the Fair Credit Reporting Act. 
Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided - ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency; and ( 2 ) antedates the report by 7 years or less. 
I understand that child support information has been included in my consumer report, and I believe this information is in violation of the Fair Credit Reporting Act. I have not failed to pay overdue support, and this information is inaccurate and misleading. Therefore, I demand that you remove any and all child support information from my consumer report immediately. 
If this information is not removed promptly, I will take necessary legal action to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The debt collector called my job and couldnt get in contact with me. So she called other store locations asking to speak to me. She also told my coworkers where she was calling from.
Product: Checking or savings account

there are already 5 complaints with this is no solution and the fees on my account only increase. I do not agree with so many fees that I have paid since XXXX. I called the bank again today and they answer, talk to us and say they will solve it and hang up the phone without giving any satisfaction, the treatment they give to the customer is absurd. and also when we open the complaint they promise to call us and solve it and they do nothing. I don't want them to call, I WANT THEM TO RETURN my money to my account, that's all. Enough of this clowning and being treated like garbage by the bank. I WANT my money back that the bank took me saying I must pay fees and more fees. I want a solution and on my account, enough talk. now I'm not going to complain here anymore, I'm going to look for my lawyer because the negligence is beyond the limit!
Product: Credit reporting

I recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my Wells Fargo Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my XXXX credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my XXXX XXXX XXXX. Please get this information updated as soon as possible.
Product: Credit card or prepaid card

XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company to dispute accounts and requested validation of the accounts. The accounts are being reported on my credit reports negatively. I have submitted FTC and police reports to company.
Product: Credit card or prepaid card

I purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if I missed paying in full by the deadline. I had the account on monthly autopay paying about 2x the minimum amount. Then, without any warning, the deadline date to pay in full came and passed. Therefore, interest at 29.99 % ( is this amount even LEGAL? ) was added to my bill as of that date. I never received ANY KIND of notification from the credit card provider that the due date was coming and that I should make the payment in full to avoid the charges. It never dawned on me that the Company would let that date come and NOT warn me that the amount was due. I was over 18 months ago ( two-year program ) and I forgot about the obligation. They just kept showing the auto payment and it seemed as if everything was OK. Not sure how its legal not to make proper communications with me. Yes, if I logged on to look at the monthly bills, there was a note that the date was approaching. However, for them not to put that in their normal email correspondence to me is very mis-leading and deceitful. I am sure other companies do this as well, but I will never do business with Synchrony Financial again given their refusal to give me credit on the interest now that the account has been paid in full. Wanted you to know b/c I am sure lots of other customers are getting hit with the same deceitful action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. 
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. I have never recieved any response about the letter i sent last XX/XX/XXXX. The inaccurate information about my inquiry is still on my Credit Reports. Therefore, Equifax Credit Bureau 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 Credit Bureau as willful negligence and non-compliance with federal statutes. Here is the inquiry that still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In. accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

While I was on vacation I missed a payment and when I returned I paid for two months but they claim I did not pay. Tried resolving with navient a couple of times, no success.