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

I contacted all three credit bureaus to remove all the accounts and inquirys off of my credit reports because none of them belong to me .I disputed with no results. from all three credit bureaus.i also sent them documents that my identity was stolen and they did not remove all these things from my credit reports.i am requesting that my credit reports ..get wiped clean.from these fraudelent accounts and all the inquiries on all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 60XXXX ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I live in the state of florida. Hurricane XXXX came across my county on XXXX/XXXX/16. I suffererd wind and water damage. I filed a homewoners Insurance claim. The insurance company paided my claim. Because it was over {$2500.00} the checks was made to me and the loan provider. XXXX c/o Loan Care is my loan provider. Loan care has a loss draft insurance section that handles all claims. I set up a account, overnighted both checks. I have received only food re-imbursement of {$350.00} from {$9.00}, XXXX that was issued to me. I have sent in all required paperwork, including receipts, bank statements and request for assistance from corportate. We have yet to received any written response from the company. The loss draft section I believe is committing fraud by hold non-loan money and documented repairs completion moneys from the homeowner and conducting deceptive business practices by dragging out this process. Every time you you call it is 3 to 5 days, 7 to 10 days. Stories change like the wind. I have numerous documents available to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block UNAUTHORIZED INQUIRIES, it appears that my credit with you has been compromised, and these INQUIRIES being reported is 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Per - The Privacy Act of 1974-the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 & 15 usc 1681 subsection ( B ) - Permissible purposes of consumer reports- ( 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. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do " NOT '' have my Written Permission to report. I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, nun-verbal per 15usc 6802. And it is Effective Immediately, and Effectively.
Product: Debt collection

We received a letter from a Debt collector, asking for the payment of {$320.00} apparently from a citation of the city of XXXX in XXXX, dated XXXX. We do not owe this money. A similar case was presented by these people, last year, that was totally paid by us. In the attachment is a copy of the letter received from the Debt Collector.
Product: Vehicle loan or lease

I went to purchase a car at XXXX XXXX  in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX  each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you
Product: Debt collection

PRA failed to validate the debt or establish that the debt is associated with me. As. PRA knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And PRA lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

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

I am a victim of Equifax data breach that has recently took place I have also repeatedly asked for these fraudulent accounts to be validated and reinvestigated and removed off of my credit report, Equifax has continued to ignore my request on reinvestigating and removing these credit accounts listed below. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXXXXXX XXXXXXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX  with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX Again , I have repeatedly requested these fraudulent accounts be reinvestigated and removed of my credit report, Equifax has continued to ignore my request. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681a, late payments are factors of fico which comes from a third party private company, this is not apart of you consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX ALLY FINANCIAL has accessed my credit report from both XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report. It is clear that someone else is trying to acquire some financial products using my information in a year period.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX XXXX fraudulent account was disputed and deleted in XXXX of XXXX ( please see the attached TransUnion dispute results ). However, XXXX and TransUnion credit reporting agencies reinserted the fraudulent account after a month without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I filed a fraude report with all three credit reporting agencies. on XX/XX/year>. and the that time I had XXXX hard inquiry that I ask to be removed because I never applied for credit, now I have XXXX hard inquiry on my report that I didn't approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with Transunion, XXXX, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have been refunded by affirm for rims that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to XXXX that the account is still open
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft as previously stated
Product: Debt collection

PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Keeps flagging a collection into my credit file that has be resolved and deleted after investigation of credit bureau. 
This was previously removed before since months ago .Today XX/XX/21 it has appeared back in my credit file again!!! 
I'm REALLY UPSET Please, this company fraudulent activities needs to STOP
Product: Credit card

For my cfpb complaint @ XXXX, against XXXX, I was advised by a cfpb agent that I needed to submit a paper Dispute document from my credit card company, USAA. I called USAA again today for a document that I could complete and scan and was told that no such document would be forthcoming, as my call to them on XXXX/XXXX/16 inititated a verbal dispute with XXXX. I asked to be transferred to a supervisor, XXXX XXXX, for some type of document I may complete and forward to cfpb ... .even a Statement of Fraud. I was told no such document would be forthcoming. I therefore am filing a separate complaint against USAA because they are not assisting me in my complaint against XXXX.
Product: Debt collection

A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
Product: Payday loan, title loan, or personal loan

I had repairs completed on a vehicle and was approved for financing through XXXX XXXX. I was told that the initial payment of {$40.00} was due at the time of signing, which was paid. The agreement signed for their company also indicates that this {$40.00} as in initial payment. However, the payment amount of {$40.00} was not deducted from the total amount due. When contacted, the company states this was an application fee. However, there is no documentation or notification that this was an application fee that would not be a payment deducted from the amount due. The company refuses to deduct this {$40.00} from the total amount due. On review of their website under FAQ, question XXXX asks about an application fee and the company response is " At the time of application, a small hold ... will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released. '' No indication of any application fee.
Product: Checking or savings account

I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the fair credit reporting act. This company has agreed to settle a class action law suit for misconduct.
Product: Credit card

I am filing this complaint against Citi Bank due to their failure to honor the statement credit benefits associated with my CITI / AADVANTAGE EXECUTIVE CARD. Specifically, I did not receive the {$10.00} statement credit per billing cycle for my eligible XXXX purchases in XXXX, XXXX, and XXXX of XXXX, despite making qualifying purchases. 

Last four digits of the card : XXXX Additionally, Citi Bank has been unresponsive in resolving this matter after multiple contacts. I believe this violates the Truth in Lending Act ( TILA ), False Advertising laws, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations due to their misleading promises and failure to deliver advertised benefits. 

Details of the Issue : My credit card promises a statement credit of up to {$10.00} per monthly billing statement ( for a total of up to {$120.00} every 12 monthly billing statements ) for eligible purchases made through XXXX. However, despite making eligible purchases in three separate months, I did not receive the statement credit. 

Transactions : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$19.00} Attempts to Resolve the Issue : I contacted Citis customer support via chat on multiple occasions, including : XXXX of XXXX XXXX of XXXX  On both occasions, I was assured that Citi was aware of the issue and that my account would be credited in the next billing cycles. However, as of XXXX XXXX, I have not received the missing credits. Citi has failed to follow through on their commitments. 

Unjustified Annual Fee Charge : Despite Citis failure to provide the advertised benefits, I was still charged the {$590.00} annual fee on XX/XX/XXXX. Given that the services and benefits were incomplete, I find it unfair to be charged the full annual fee. The fee should reflect the actual quality of service provided, which in this case was partial and unsatisfactory. 

Legal Grounds for Complaint : 1. Violation of the Truth in Lending Act ( TILA ) & Regulation Z Citi failed to clearly disclose accurate benefits and honor the advertised terms of the credit card.

2. False Advertising Citi promotes this benefit on their website ( XXXX XXXX XXXX  ) but does not deliver on it.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Citi is engaging in misleading and unfair practices by advertising a benefit, failing to provide it, and then delaying or ignoring customer complaints.
Product: Student loan

I've attempted to make XXXX payments on my outstanding loans with my servicer, Aidvantage, but each has been reversed with no explanation or e-mail notification despite payment confirmation through e-mail and confirming that my bank account information was correct. 

The payments were : XX/XX/23 for {$1000.00} XX/XX/23 for {$1200.00} XX/XX/23 for {$1000.00} XX/XX/23 for {$1000.00} I've just submitted another payment for ~ {$1200.00} on XX/XX/23 with freshly confirmed bank information, and have yet to hear back from my loan servicer regarding the bounced payments.
Product: Debt collection

sent alleged debt validation - requesting - proof that I owe this alleged debt or a contractual obligation that is binbing me to pay this alleged debt Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. 

They didn't provide me with actual debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.XXXX  sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the XXXX  credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from Citizens Bank loan offer up to 50,000.00.On XX/XX/XXXX, I applied online for the Citizens Bank offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the Citizens bank quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXX.She asked for my SSN number to look up information.XXXX  stated to me that my credit score is XXXX and to be considered for a loan, it should be at least 700 or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX  stated it generally means bankruptcy.After that conversation, I logged onto XXXX  at XXXX.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXX.After looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of XXXX not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Keeps responding with the same exact message instead of addressing this issue. I have sent everything that they have asked for. If there office is closed due to covit-19, then they should just send a message stating that, I am a victim of identity theft and i would like my issue addressed and resolved