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

This notice is to inform you theirs been unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that XXXX, Equifax, XXXX did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries : Expect as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record or inquiries in connection with credit or insurance transaction that is not initiated by a consumer. The following Potentially Negative are result of identity theft are : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. DELETE immediately! I tried to have all three Credit agencies to delete these erroneous accounts but was refused and told that they were Verified and Accurate. This a BOLD LIE XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, the company opened a collection XXXX XXXX XXXX I have never signed a written document saying I owe the collector this debt. They are violating my rights of the FCRA as a consumer. I do not know who they are and have no written consent. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from my credit report
Product: Checking or savings account

Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Debt collection

Hello, the company called Portfolio Recovery Associates , LLC is trying to hinder me by telling me that they are going to demand if I do not pay the bills they have in my name and I have never done business with that company which I do not owe them money.
Product: Vehicle loan or lease

My car with Capital One was a simple interest loan that is only afforded to XXXX Americans by Capital one. 
Nevertheless, Capital One on XX/XX/XXXX, gave a total payout balance of {$26000.00}. They received a check on XX/XX/XXXX, in the amount of XXXX. I called on today and spoke with an agent XXXX who asked for the check number and confirmed they did receive the check but it is going to take 10 business days to process this check. This is so Capital One can collect on simple interest payments. They also refused to accept the payment as of XX/XX/XXXX, because it would stop them from collecting simple interest. 

I was in a car accident hit by a truck. I called and spoke with an Executive Team member who was compassionless and arrogant. 

I put down XXXX on this car and the interest XXXX  anyone who can't afford to pay it. If the agent can see that they have received the check at XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX why can Capital One process the payment and get me out of the loan terms without charging me extra interest? The car was a total loss. I am going to report this to the XXXX  and My Secretary of State. This is really awful. Keep in mind they gave me a credit line increase on my business card. Capital One is not for its consumers.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted the company AVANT back in XXXX of 2023 in regard to some charges that I found on the account. I was not aware of the charges because I did not see the statement. When I attempted to make a purchase and it was declined I called and heard the balance and realized that the amount was incorrect. I immediately reached out to the company to file a dispute ( claim # XXXX ). I then kept in contact with the company to get updates. I spoke with an agent that took information from me as there were charges that I did make because the card was stored online. The agent took those charges and confirmed the charges that I did not make and submitted the request. In between this time I received XXXX phone calls in regard to the purchases being disputed and was advised that they were submitted in error. I was advised that I did not need to remake payments as they would get their funds back. I then called back because I needed a letter to provide to my trash company because they closed my account due to the dispute and was advised that they could send XXXX and the dispute continued. I then received an alert that my statement was available and so I checked the amount due when I noticed that the amount had changed I reached out to find out that the dispute was denied because the charges looked like " regular charges ''! I am not exactly sure what that means but I have never used the card or any card that I have to make the kinds of purchases that were made. I keep getting the runaround and being told that it would be escalated when in fact it was stated that this was the final decision due to the chip being used, that would happen if someone has the card. I did not make the charges that they were attempting to force me to be responsible for. This is going to ruin my credit and they are refusing to investigate properly and assist me.
Product: Credit reporting or other personal consumer reports

Bridgecrest aka XXXX XXXX  Gave me false information in not having to run my credit for a vehicle but in actually they did and also sent it to another bank and .I didn't recieve the opt out of reporting paperwork ..saying I could opt out of reporting
Product: Checking or savings account

I was charged overdraft fees due to my payments posting late. They charged me overdraft fees which put my account in the negative and I then owed the following next paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

I have attempted to dispute the account with Hunter Warfield with the credit bureaus and they have indicated that the account has been updated. I would like to add that this company is not licensed to do business in the State of Michigan. As such, I am asking that they discontinue reporting that I owe a debt to them. With my recent dispute to the credit bureau, they have also updated my report, adding a family member 's name to the credit report. She has not pulled her report to confirm if they are reporting but if they are, I am requesting that they remove this information immediately.
Product: Credit reporting or other personal consumer reports

Ive sent out copies of the FTC reports and uploaded them to check systems for the fraudulent accounts that were opened in my name using my identity without my consent.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> it came to my attention that I am a victim of Identity Fraud. During this time, I went ahead and contacted all companies involved to which each responded the same. I was advised to complete a FTC Report and file my dispute with the credit reporting agencies ( XXXX, TransUnion, XXXX ) so they may block and remove fraudulently opened accounts. Which I did. I recently received notification from TransUnion that my disputed accounts and inquiries were not removed from my credit file with no valid explanation.
Product: Credit reporting or other personal consumer reports

I am writing to revisit the matter of my filed complaint concerning this negative account below : XXXXXXXX XXXX XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025 I sent my FTC report and ID to Experian, TransUnion, and Equifax. i did not authorize these accounts. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-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

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : EXPERIAN XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXX/XX/XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXX/XX/XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES EXPERIAN : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - AUTO FINANCE Inquiry date : XX/XX/XXXX XXXX AUTO DEALER Inquiry date : XX/XX/XXXX XXXX FINANCIA Inquiry date : XX/XX/XXXX XXXX XXXX AUTO FI   Inquiry date : XX/XX/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX - CARD SERVICE Inquiry date : XX/XX/XXXX XXXX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX AUTO FINA Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX
Product: Mortgage

XX/XX/23 contacted mr.cooper servicemac costumer service for portal being down. 

Have tried logging in since XX/XX/23 website still down unable to make payment. 

XX/XX/23 notified that service XXXX XXXX address is not responding and XXXX will keep attempting to send it for XXXX hours
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent my first letter on XX/XX/2022 to Experian to investigate the following accounts as I dont believe the information to be accurate. 
Please remove the following inaccurate address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 

I did not receive anything back that they investigated this. 

I since then sent a demand to comply letter. 

Also with no reply. They are not complying with regulations based on my request for an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid off account full balance work synchrony bank ( care credit ) XXXX was paid off total,XXXX  was paid on XXXX .on XX/XX/XXXX, I saw a late payment inquiry and my credit score was dropped 38 points and als my 100 percent payment record was dropped to 99 percent .on XX/XX/XXXX I spoke to XXXX and XXXX after reporting to them about synchrony charging me a late payment after I paid account in full XXXX before due date. I paid XXXX that following Friday after receiving the statement. 
Account was paid for in full after opening credit card not even a month into statements. 
They claimed it was an interested fee, a fee I confirmed was not on account after paying the whole account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my Experian credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes.
Product: Checking or savings account

I was trying to open an additional separate account to save for a big ticket item and PNC has changed their security so Im unable to open an account through XXXX. Theres no way to open an account due to COVID precautions without me taking risk. Id appreciate the ability to open an account to put my savings into