23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I previously complained about Discover 's website : XXXX. I try to access the site and I am unable too. The site will not allow me to reset my password saying the model of my first car is wrong. I know what the model of my first car was and the information their site is pulling from is wrong. There should be another way of resetting my password. Anyway, they finished the last complaint by telling me to contact XXXX, which is who provided that questions information. They have come back and told me they are unable to assist as they have no affiliation to XXXX. Now, it is back to Discover. I want remediation. This has been a complete and total service failure. I need to reset my password. I expect them to be able to help me ; nothing otherwise. If they do not, litigation will be next!
Product: Credit card or prepaid card

I received a promotional offer of " 5 % back as a statement credit, up to {$25.00}, now through XX/XX/2019 on purchases you make with your Citi Diamond Preferred Card online. '' I made a purchase on XX/XX/2019 during the promotional period in the amount of {$570.00} and should have received a statement credit of {$25.00}. 

I waited for this credit and never received it. 

I contacted a representative of Citi on Live Chat on XX/XX/2019 and he stated I would receive the credit on my next statement. As of my XX/XX/XXXX statement, no credit has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is XXXXiolating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on XXXX credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my XXXX XXXX down. It alarmed me because I only have been working with XXXX place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the reports and fraudulent inquiries. 

Experian : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these credit inquiries XXXX I didnt apply for any of these loan services or financial institutions.
Product: Credit card

Wells Fargo closed credit card account for local Home Furniture store due to inactivity. This account was opened XX/XX/2013 and used to purchase furniture. We were not aware the terms meant they could close it due to inactivity. People do not go out and buy furniture on a whim just to keep a card active. Never notified that they were closing this account. Do not want ill affects on credit report/score due to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, XXXX and Transunion. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows on XXXX. It is the amount of {$220.00}. I called them. Agent said there is no record in their system of this charge. Supposedly it was established in XXXX. The address was my deceased Mother 's address who passed in XXXX. I have never used a pest control service. I need this to be removed from my credit. According to her none of this was in her system. Thank you.
Product: Debt collection

I contacted my insurance company about this debt and they clarified that this debt was covered by my insurance. in conclusion, Focus Financial should have collected a paid debt. this is obviously a misunderstanding due to a billing error
Product: Credit reporting or other personal consumer reports

XX/XX/2024 there was a new hard inquiry on my credit report form XXXX, I am assuming that is XXXX XXXX  I did not apply or have anything to do with XXXX 's. I need this removed from my credit report as I did cause an XXXX point decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I called to this XXXX XXXX XXXX and was on hold for two hours two and a half actually got eith some nasty XXXX lady on the phone that refused to verify my account. They did not allow me online access to my account or to order a replacement debit card. The lady after knowing I was on hold for three hours close to it she just transferred me right back to the same line i was just transferred to. Nasty horrible people if this isn't resolved in 7 business days I'm filing a lawsuit period.
Product: Credit reporting or other personal consumer reports

Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But Transunion and XXXX continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights XXXX Or a list of inquiries : 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 info
rmation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

I received a statement dated XX/XX/XXXX from my mortgage company stating my payment was late and that I was charged a late fee. I called on XX/XX/XXXX after returning from an overseas trip and spoke to XXXX ( agent number XXXX ). XXXX explained I received a late fee because my payment was received after the grace period. I told XXXX I have confirmation from my bank indicating they sent the XXXX payment on XX/XX/XXXX and Freedom Mortgage received the payment on XX/XX/XXXX. I asked XXXX to check into why it took Freedom Mortgage ( Headquarters location is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, NJ XXXX ) so long to process the payment. XXXX put me on hold and contacted a team leader. XXXX came back on line and told me there was an issue at their payment processing center during the month of XXXX and that they are going to waive the late fee. I told XXXX thanks, but this is the second late fee I have been charged by Freedom Mortgage through no fault of my own and requested to speak to a supervisor. XXXX transferred me supervisor XXXX ( agent number XXXX ). XXXX told me the company had is issue with their lock box in XXXX and it caused a lot of customers to receive late payment charges/noticed. I asked him since the company knows they have an issue, are they taking corrective action automatically or are they only thanking action when customers call to complain. XXXX indicated they are taking action when customers call. He gave no indication the company is taking corrective actions for the accounts where customers do no notice the late fees. I can provide supporting documentation if required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting a bankruptcy on my credit report. I've tried to resolve this issue before with Experian. The third party that Experian has been using for the information is XXXX XXXX this company cleared stated that it can not identify me so the information that is presented is false. 15 USC code 1681 states that the information is suppose to be accurate. I'm going to provide information that XXXX XXXX clearly states that their company can not identify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by XXXX. I have also noticed two hard pulls by amex. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. FURTHER, I CERTIFY THAT I AM PERMITTED BY FEDERAL AND STATE LAW TO FILE THIS DISPUTE. I ALSO UNDERSTAND THAT KNOWING AND WILLFUL MISSTATEMENTS OR OMISSIONS OF MATERIAL FACTS CONSTITUTES A FEDERAL CRIMINAL VIOLATION PUNISHABLE UNDER 18 U.S.C. 1001. ADDITIONALLY, THESE MISSTATEMENTS ARE PUNISHABLE AS PERJURY UNDER 18 U.S.C. 1621. THIS ACCOUNT FOUND WITHIN MY CREDIT REPORT ARE NOT RELATED TO ANY TRANSACTION THAT I MADE I AM A LITIGATING THAT A PERSON OR COMPANY - WITHOUT MY AUTHORIZATION - USED MY PERSONAL IDENTIFYING INFORMATION TO APPLY FOR GOODS, SERVICES, OR MONEY, AND, WAS SUCCESSFUL IN CREATING SOME ACCOUNTS. ALL IS BEING INVESTIGATED BY THE FTC FURTHERMORE In Accordance with The Fair Credit Reporting Act credit acceptance has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. ( they say we cant opt out ) 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( which they claim they dont need ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated.I filed a complaint and also called and spoke to a representative by the name of XXXX she advised me to mail back an identity theft affidavit, my ID, and a sheet of paper with my signature written 5 times. I sent the mail to credit acceptance with the requested information as well as a letter requesting that they provide me with proof of my original wet signatures and additional information, original documents signed on the day this alleged account was opened so I could provide as much assistance as possible in investigating how this account was opened I never received any response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on credit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau. 
This whole account was done in a fraudulent way upon review of retail install contract attached to my previous complaint seems the dealership placed in fact that { {$7000.00} } was put down when In fact { {$8000.00} } was put down any money more issue including outrages APR rates I call SCAM. This issues with credit acceptance has been ongoing I would like this tradeline removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute and Demand for Deletion of All Accounts - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, This letter serves as a formal dispute of any and all debts listed on my credit report under my name, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. I hereby revoke any and all rights granted to you regarding my credit information. 

I am aware of the numerous legal actions taken against Equifax, including the CFPB 's enforcement actions for sham investigations of credit report errors and the $ XXXX class-action settlement regarding FCRA violations XXXX THE DATA BREACH that exposed my information. These actions highlight Equifax systemic failures to comply with consumer protection laws. 

Specifically, I am disputing the following violations : FCRA Violations : I allege violations of XXXX U.S.C. XXXX ( b ) ( failure to conduct reasonable investigations ), XXXX XXXX. XXXX ( willful noncompliance ), and XXXX XXXX. XXXX ( negligent noncompliance ). 
FDCPA Violations : I allege violations of XXXX U.S.C. XXXX ( false or misleading representations in debt collection ). 
CFPB Regulations : A collection account has been placed on my consumer report without providing me with the validation information required under XXXX XXXX XXXX ( b ) ( XXXX ). Furthermore, I have been denied the opportunity to dispute this account as mandated by XXXX CFR XXXX ( c ) ( XXXX ) ( i ). 
XXXX XXXX XXXX ( D ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ) Violations : The collection agency furnishing this information has done so without providing all legally required disclosures and is therefore in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). The collection agency is using false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. 
Therefore, I demand the following : Debt Validation : I demand complete and thorough validation of any and all debts reported under my name. This must include, but is not limited to, the original creditor 's name, the account number, the date of default, and a detailed breakdown of the debt.

Purchase Agreement : I request a copy of the purchase agreement between the collection agency and the original creditor, demonstrating their legal right to collect this debt.

Licensing and Bonding : I request proof that the collection agency is properly licensed and bonded to operate in my state.

Immediate Deletion : I demand the immediate deletion of all disputed accounts from my credit report. 
Failure to comply with these demands will result in further legal action. 

Please provide all requested information within XXXX  days of receipt of this letter. 

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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back
Product: Credit card or prepaid card

BarclayCard 's payment amount taken does not make sense. BarclayCard took more than the current balance was and thus the account now has a credit balance. They state that they will wait up to 5 days for funds to clear and an additional 10 days ( 3 weeks if business days ) to receive a paper check. The XX/XX/2020 statement balance was {$700.00}, due XX/XX/2020. A credit of {$420.00} posted XX/XX/2020 and I expected the payment amount to be reduced to the remaining {$270.00} due ; however, {$690.00} was taken on XX/XX/2020 which was greater than even the current balance at the time. I recommended that they reverse the initial ACH & deduct the appropriate amount instead. 

On the billing statement it states that it will be adjusted down if your Current Balance is less than the dollar amount you've selected however this did not happen : REMEMBER ... YOU ALREADY SCHEDULED YOUR PAYMENT This month your statement balance of {$700.00} is scheduled to be paid on XX/XX/2020. Thank you for taking advantage of our Repeat Payment system. 
It's an easy way to make your payment each month. 
Please be advised that your payment will be adjusted up if the Minimum Payment Due on your statement exceeds the dollar amount you've selected or down if your Current Balance is less than the dollar amount you've selected. This payment information is accurate as of your statement closing date. If you need to make changes to your payment you can do so until XXXX XXXX ET on XX/XX/2020. For more information on your Current Balance, please contact us at XXXX or visit us online at BarclaysUS.com.
Product: Checking or savings account

I have a savings account with U.S. Bank that has not received an interest payment since XX/XX/2022. I have called to have this corrected, and I keep getting the same response " It will be credited this month ''. This has not occurred, and no one seems to care because it is a smaller dollar account.