23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an email from Net Spend indicating that a card & materials were returned to them and they needed an updated address. I never applied to this card. I called to get all my information removed and cancel the account/card. The rep would not give me any information but stated that the account would be closed. Someone opened this account fraudulently. I need confirmation it was closed and the details.
Product: Credit card

I have disputed several fraudulent charges to my account. From what I understand is that the remaining balance is for late charges and interest due to the fraud charges that were removed. I have contacted the company several times to no avail. They continue to send me to different departments, and no one is taking responsibility to correct the outstanding balance that I do not owe. I paid the card in full in XX/XX/year>2023.
Product: Credit card or prepaid card

Citicards with a PERFECT payment history and less than half of my utilization lowered my credit limit from XXXX to XXXX with no rhyme or reason and said and I quote we did a bankwide review of all accounts and many peoples lines got lowered!!!!! That's XXXX!!!!! I'm sorry but I paid those people on time in good faith. There needs to be more laws with these cards I have a perfect history with this company where they gave me a certain credit line I pay all my cards on time every time yet these people WITH NO WARNING slashed my line by half that's unreal! This type of stuff needs to be illegal what they're doing. There should be a demonstration of bad history with a company before this type of stuff can happen. I'm also contacting my congresslady and my senators about this activity that citi did with no cause. I have no reason to have my lines cut. This whole credit scoring thing needs to be looked at too I pay my bills on time but yet have low score. Their system is proprietary but I've worked in credit trust me it's evil what they're doing! There needs to be laws or an appeals process or something where cardholders can stand up for themselves. Citi offered me credit with not much difference in situation in like XXXX???? 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been in my home since XX/XX/XXXX and have never missed or paid a payment late. My credit score is XXXX last I checked. I have requested that PMI insurance be eliminated from my payment, but XXXX XXXX XXXX XXXX refuses. They made me pay {$100.00} for a Broker 's Opinion on or about XX/XX/XXXX, but the value only came in at {$300000.00}, and although I paid for the opinion, they did not give me a copy or any of the supporting comps documentation. The broker that prepared the opinion is from the XXXX area ; three hours away from XXXX, TX where I live. Citizens One states I need to have a balance owed of {$240000.00} or less to have the PMI removed. I owe {$250000.00} on my mortgage ; there is no other mortgages on the house and at that balance, my loan to value is 84.2 % ; the XXXX needs to be 80 % or less. In XX/XX/XXXX, I received my XXXX Notice of Appraised Value from the Central Appraisal District of XXXX XXXX ( Texas ) and they indicated my tax value is {$330000.00} which correlates to a XXXX of 77 %. When I requested Citizens One to review this, they just sent me the same letter they did after the Broker 's Opinion. If XXXX County believes the values in the area are higher based on sales they have seen in the area, then they know more than some broker located in XXXX that is not familiar with this area. All I want is the PMI removed. I have paid XXXX years perfect ; nothing is going to change.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX continue to report the account listed as XXXX XXXX XXXX XXXX is reporting inaccurately. The account is listed as a charge off but when a creditor terminates an account any balance due over {$1.00} is due to the consumer therefore I can not owe this debt. Furthermore there are tons of inconsistencies like : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Account Type : Installment account Auto Loan XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( XXXX ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( 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 XXXX XXXX XXXX, 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 Experian 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 emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I NEVER USE MY INFORMATION OR PROVIDE MY INFORMATION TO ANY OF THIS COMPANYS I DISPUTE ALREADY ON MY CREDIT BUROS BUT STILL REPORTING SOME OF THEM i request help to investigate. i also notice that are auto financing companys and i dont have any valid driver license i demand must be delete from my credit report since i dont reconized any of this hard inquirys XXXX inquiry date XX/XX/2022 Business type XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX XXXX inquiRY date XX/XX/2022 Business type XXXX XXXX XXXX XXXX Companies Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recieved notices to remove pet from my apartment and I complied. The following day I was admitted to the hospital for a week. While I was in the hospital the leading office allowed my family to enter the apartment without my permission and move my personal belongings into storage. They are failing to communicate with me and come up with a solution to the issues needing resolved. I was informed that new management had taken over and that it was a hassle for them to find any of my records/leasing information and even record of me living there. Ive attempted contact plenty of times including in person and no help.
Product: Checking or savings account

I opened a Business Fundamentals Checking account with Bank of America on XX/XX/XXXX in branch. The account came with a promotion to receive a {$500.00} bonus when depositing a cumulative {$20000.00} and making 10 electronic  transactions within 60 days of account opening. These requirements were fully met by XX/XX/XXXX. I did not receive the promised {$500.00} bonus after that .... 

The bank was contacted regarding this on XX/XX/XXXX and I was told it would be manually looked in to and credited. No bonus posted. 

A follow-up call was done on XX/XX/XXXX and I was told the issue was being escalated and I would receive a response no later than XX/XX/XXXX. 
No such response ever came. 

On XX/XX/XXXX a bonus of {$300.00} was posted. It is nice that they provided a bonus ... but it was not the promised bonus per the terms. They are still short {$200.00}. 

Upon re-reviewing the paperwork provided at account opening, the dates to match up as they are prior to the account opening. My guess is that the banker signed me up incorrectly for the promotion ( I recall her manually entering the code in to the computer and having to re-enter a different one because the first one she said was wrong ), which would explain the bonus not automatically posting. This is however, an issue caused by the bank, and I should not be punished for this. 

As of today, XX/XX/XXXX, i have been unable to get a satisfactory resolution from Bank of America and are asking for help as they still owe me {$200.00}.
Product: Debt collection

Colorado statute XXXX " No security deposit shall be retained to cover normal wear and tear. '' Two years ago XXXX XXXX  attempted to charge me {$170.00} to bring the apartment up to move-in-ready condition. I disputed the charge and XXXX XXXX  dropped the issue since we both knew that {$170.00} for a paint crew plus cleaning crew, clearly the apartment was left clean and without damage or it would cost more. Their own pictures show very minor wear and tear for living at XXXX XXXX  for about 5 years. XXXX XXXX  was sold and now 2 years later, the new landlord, without any notice to me, sent the bill to a collection company who has damaged my credit report by claiming it is past due. I noticed my credit score drop and had to find out why. I informed them the bill was illegal and they responded that my only choice is to pay or my credit score will continue to decline. Holding my credit hostage for an illegal bill is " False Credit Reporting. ''
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Product: Checking or savings account

I called Bank of America immediately upon finding fraud purchases on my account, on XX/XX/2022. The fraudulent claim number is XXXX. 

I was given provisional credit on XX/XX/XXXX, that included credits for fees related to the claim in the amount of {$2700.00}. 

I received a letter dated XX/XX/2022, which is 64 days after the provisional credit was applied, notifying me that the {$1200.00} of the provisional credit and any related fees that were credited are going to be removed on XX/XX/XXXX. 

When I called to inquire about why, I was told it was because I didn't report the fraudulent claim in a timely manner. 

Doesn't a bank have 45 days to investigate a fraudulent claim and respond? Not over 60 days? 

Obviously, this is a large sum of money that I was not expecting to be taken from my bank account. 

I've written a letter to Bank of America Fraud department and also to the CEO of Bank of America.
Product: Vehicle loan or lease

New vehicle purchased on XX/XX/XXXX and financed through Hyundai Motor Finance ( HMF ). This loan was refinanced through another lender and HMF was paid off ( and acknowledged by HMF ) on XX/XX/XXXX. HMF policy ( per their website ) is to release the title after five business days. Virginia Law says that the title must be released within ten days after the lien is satisfied. It is now XX/XX/XXXX and the new lender has not received the title. HMF has acknowledged that title release is their responsibility but is unable to answer as to why they have not been able to fulfill their legal duty nor as to when and how they will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX  Inquiry from XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX Late payments XXXX XXXX on XXXX &XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
DISCOVER BANK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have acopy of the original creditors documentation on file to verify that this information is mine and iscorrect. In the results of there first investigation, Experian stated in writing that they verified that the items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRAI demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Reporting Violations by XXXX, TransUnion, and XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit reporting agenciesXXXX TransUnion, and XXXXfor ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite numerous certified letters I have sent, with verifiable tracking numbers as evidence, these agencies have failed to address or correct the inaccurate information they are reporting on my credit file. 

These actions directly violate 15 U.S.C. 1681b, which mandates that credit reporting agencies must only disclose consumer information for permissible purposes. Additionally, they contravene 15 U.S.C. 1681g and 1681i, which require agencies to provide accurate reporting and conduct proper investigations of disputes. By continuing to report inaccurate information, they have also failed to comply with 15 U.S.C. 1681e ( b ), which obligates them to maintain maximum possible accuracy.

I also invoke my rights under 15 U.S.C. 1681g ( commonly referred to as Section 609 ), which allows consumers to request detailed disclosures of the information on file and its sources. I have repeatedly requested these details to identify the root of the inaccuracies, but the agencies have either ignored these requests or failed to provide adequate responses.

The consequences of these violations have been severe and detrimental to my quality of life. Inaccurate reporting has caused significant financial discrepancies, leading to denials for credit and other essential services. This unjust reporting, done without my explicit consent, is a breach of both my rights as a consumer and the fundamental principles of the FCRA. 

I request that the CFPB intervene to : Investigate these ongoing violations by XXXX, TransUnion, and XXXX. 
Mandate that these agencies immediately address and correct the inaccuracies in my credit file. 
Impose any necessary penalties to ensure compliance with the FCRA and protect other consumers from similar harm. 
I am prepared to provide certified mail tracking numbers, receipts, and copies of my previous correspondence to substantiate my claims. Being that I am also a business owner, this situation has caused not only financial hardship but also emotional distress, as I am unable to secure basic approvals due to this unlawful behavior. 

Thank you for your attention to this matter. I look forward to your timely assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX
Product: Debt collection

I paid Off my Collection of CCS on XX/XX/XXXX They reported a Collection remark still on XX/XX/XXXX also today they re added the collection on XXXX saying I owe the full balance I have pictures and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2021
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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.