23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I did not provide written consent to report the accounts listed below. Due to your violations, I will take legal action and submit a complaint for small claims for default judgement, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand VALIDATION and VERIFICATION of this alleged debt. If proof can not be provided, I demand these items to be removed from my account. 
Please see attached documents below for the reference item : XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, Case Number : XXXX
Product: Debt collection

I initiated a complaint through the XXXX XXXXXXXX asking for validation of a debt reporting on my credit report. The debt collector communicated back with me ( consumer ) on XX/XX/2024 stating " This office confirms receipt of the dispute submitted by the consumer. Please note that our office will respond to this dispute with the consumer directly. '' Almost 30 days have passed and the debt collector still has not provided verification of the debt or allow me the opportunity to dispute the debt. 

They did not include any statements to dispute the validity of this debt or the address of the original creditor which is a violation of 15 USC 1692g 809 ( a ) ( 4 ) & ( 5 ). 

I would like this account removed from my credit report. 

Collection Company : CREDIT COLLECTION SERV Account : XXXX Amount : {$490.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Citi bank using links advertising a XXXX bonus. I met the requirements by depositing XXXX and keeping it in the account from XX/XX/2020 to XX/XX/2020. There was a waiting period of XXXX days after that, after the which Citi has still not deposited the bonus. They sent a letter stating they were unaware of any bonus associated with my account. I went through the steps of opening another account to check and aside from following the advertised link, there are no extra steps a customer needs to do in order to become eligible. Also, on XX/XX/2020, I contacted CitiBank through chat with XXXX and made sure everything was Ok with my bonus status. He stated that everything was fine. I have contacted the XXXX and the bank itself through phone calls and faxes to try and fix this situation and have the bonus I earned deposited into my account.
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Original Creditor : ) XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm writing this complaint to help XXXX  and Transunion understand that I'm in the middle of lawsuit with XXXX XXXX over Identity Theft and I would be more then happy to AMEND them to this lawsuit that i have submitted. Under the FCRA XXXX  and Transunion are both violating my consumer right pursuant to 15 USC 1681a ( 2 ) ( B ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As you can see you can not include any extension of credit to my consumer report which you have.

Also do not try to investigate to get information from anyone for the purpose of my consumer report info unless you have obtained information through personal interviews with neighbors, friends, or associates as it states pursuant to 15 USC 1681a ( 3 ) ( e ) INVESTIGATIVE CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Activitiy, Identity Theft, Remove and block the following Transunion Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed Capital One to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in NY for nearly a decade as I've been living in Michigan. Yet Capital One and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.
Product: Mortgage

I have a loan with Banco Popular in XXXX XXXX for a vacation home. They have stated the insurance policy the XXXX XXXX has for the unit does not meet their requirements and have added a policy that chargers me {$200.00} a month for a {$90000.00} loan on a unit with an accessed value of approx {$300000.00}. This is an exorbitant amount of money to charge for a XXXX loan in addition to the policy I pay for through the XXXX that already covers my unit and entire XXXX.
Product: Payday loan, title loan, or personal loan

They tricked me saying I was paying my dues for almost a year but actually I was paying only the interest so now they add me more than 50 % interest in my old loan {$7000.00} original loans {$4500.00} my paying {$10000.00} my actually loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my XXXX   credit due to XXXX security breach that took place on XX/XX/XXXX XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX 2018
Product: Credit card

I have had numerous charges refunded by merchants as they were unable to deliver goods, services, and/or had services cancelled yet were continuing to charge. For refunds, I am not seeing reversals in the interest paid on these transactions despite the charges being reversed in full as invalid charges. I routinely see all other banks ( XXXX, XXXX, etc. ) refunding interest on refunded charges. Although the following refers to disputes, it clearly states that interest should be refunded when charges are deemed invalid : https : //www.americanexpress.com/en-us/credit-cards/credit-intel/dispute-credit-card-charge/. 

Today, I chatted with XXXX XXXX ( chat XXXX ) who provided misinformation about interest being refunded in the case of disputes ( he originally stated that interest is never refunded, only suspended ). I then questioned this per the above link, where it clearly states the opposite, and then went on to look at an example that had proven his information to be incorrect. He then confirmed that interest is not refunded on merchant refunds unless it meets internal criteria regarding refund timelines that is not disclosed publicly, and nothing I could verify. 

Although I dont trust the agent given the previous misinformation that he continued not to acknowledge, I am very concerned that AmEx is encouraging customers to dispute all charges rather than working with the merchants for refunds. I have been working with merchants for months for many of my refunds, only to be told that I was being punished in the form of paying interest by doing so. If only I had disputed all transactions, immediately using AmExs resources and teams to investigate, would I potentially have thousands in interest fees waived over merchant refunds. 

AmEx, something is wrong here, and I hope its the agents information provided. Customers should not be punished for recovering funds directly from merchants rather than using your companys resources, it should frankly be the opposite. This practice also goes against all other big banks and their refunds of interest on merchant refunds. 

If the above is true, I would ask that AmEx consider interest courtesy credits across my accounts given this misunderstanding and lack of clarity in the cardholder terms. There has been significant time spent on my part resolving with merchants and significant amounts of interest paid over merchandise and services never received - something does not make sense.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.
Product: Credit card or prepaid card

Hello, I am concerned about Barclays ' accounting system. 

I had a negative balance on XX/XX/2020 for XXXX cents. Barclays did a " Balance Adjustment '' and debited my account XXXX cents to bring it to a zero balance. I am concerned how much money Barclays is pocketing if this is happening to numerous customers. 

This is not the only time that it happen to me. On XX/XX/2020 I had a negative balance of XXXX cents and again they did a Balance Adjustment and debited my account XXXX cents to get to a XXXX  balance. 

So in two months they put XXXX cents of my money into their pockets. I understand that it is only XXXX cents but I am looking at the big picture in that if they had a large number of customers this can add up to be a large dollar amount. 

It just seems like a SCAM and would like to know where does this money go?
Product: Credit reporting or other personal consumer reports

RESIDENT VERIFY Tenant Screeners XX/XX/XXXX Experian XXXX XXXXiscellaneous Department and XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers XXXX New XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX AUTO FI Auto Dealers XXXX Used XX/XX/XXXX XXXX SENSIBLE AUT Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto XXXX XXXXXX/XX/XXXX XXXX XXXX A Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX XXXX Auto XXXX XX/XX/XXXX TransUnion XXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

After a XXXX mo deferment I was in the loan mod trial period with my previous mortgage company.when fay took over my loan. Ive been trying to get a loan mod through for over a year so now Im more than 2 years behind. While in process of submitting my application which they took over a month to confirm they received they had already sent a demand letter which expires XXXX/XXXX/22. I have been frantically trying to jump through their hoops but it changes daily on what documentation they need, they wont be specific or put it in writing other than the initial notification it was incomplete which they lied about having fir 8 days. Ive submitted the documents requested in notification that took 8 more days to receive. Yet its not complete and now they wont tell me or put it in writing specifically what they require and what document will suffice. Then they just say something else. They give out incorrect ir conflicting information. They refuse to verify docs have been received, hang up on you, put you on hold until its past theyd hours, refuse to get me to my POC who also never responds to emails or follows up. Left vm fir several supervisors saying youll hear back in 24 hours bet have yet yo hear back. I have equity in my house which I know benefits them if they foreclose. They were relevant to give pay off when I was looking into selling. Bottom line they do not want me to keep my home. One rep even told me he didnt care I was going to lose my house. I have proof of several violations .including recorded calls..Please intervene as they are still guilty of all the same violations you previously found they were. In fact I read part of you filing to them as proof they are required to give specific information on specific documents they require to complete the application yet they refused and they refuse to put it in writing so you can hold them accountable when they change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account XXXX XXXX XXXX is an inaccurate account. XXXX XXXX XXXX, XXXX has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with XXXX XXXX XXXX, XXXX. XXXX  and XXXX  removed the account but Equifax has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding Equifax continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? Equifax have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Product: Debt collection

In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.
Product: Debt collection

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Product: Debt collection

XXXX need to update my credit report ASAP they been reporting inaccurate information on my credit report I provide a screenshot from XXXX removing all fake account from my credit report This is hurting my client need to be removed from all credit bureau AND ALL INQUIRIES LISTED
Product: Checking or savings account

On XX/XX/XXXX at XXXX there was an unauthorized charge in the amount of {$1700.00} by XXXX XXXX . Prior to this I was at a friends house for no more than 10 mins to pick up food his mother has made. I realized that my door was open but I had thought I did not noticing. Few moments later Im back at my friends house to see if I left my phone. At that point I realized both my wallet and phone has been missing. I contacted chime and they denied this second day and I called back and try to re open and denied again, last conversation I had with them he was rude because I asked did the person use a pin and he couldnt Answer, although I keep password manager on which can explain how he or she was able to get into my chine account but I do not keep any pins in my phone and customer service said a physical card was used
Product: Debt collection

on XX/XX/2018 I noticed that my credit report included a collection amount and a late payment record for Diversified Consultants , Inc . I have never heard for this company nor received any notice of debt. 

On XX/XX/2018 I called Diversified Consultants to Inquire. I was told that the bill was from last year thru XXXX XXXX XXXX from a " XXXX XXXX ' in the amount of {$560.00}. I was completely paid up with XXXX XXXX XXXX and have not used their service for over a year. Diversified Consultants allegedly had been sending letters to my old address, which I never recieved. 

The agency could not or would not provide me any information with what the debt was for or when it incurred. I indicated that I wanted the contact information for XXXX XXXX XXXX and they refused to give me the information. I told them I wanted to record the information, and they indicated that I was not allowed to record the conversation. I asked for them to please send me information to my new address regarding this debt. 

On XX/XX/2018, I also emailed Diversified Consultants and formally asked them to validate the alleged debt from XXXX XXXX XXXX. 

On XX/XX/2018 I was emailed by Diversified Consultants by XXXX ( no last name was provided ). XXXX had attached a bill from XXXX XXXX XXXX. The bill did not include any information, nothing about dates or what the debt was for, except for the amount due. 

On XX/XX/2018 I wrote XXXX back and again asked her to send me details of the debt. 

On XX/XX/2018, I received a letter in the mail from Diversified Consultants demanding I pay the debt. They also included a copy of XXXX XXXX XXXX bill, which again contained no information except for amount due. 

On XX/XX/2018 I called Diversified Consultants and spoke with XXXX XXXX ( spelling ). XXXX informed me that they already sent a credit validation letter to me. I let him know again that I was requesting information about his debt. 

On XX/XX/2018 I emailed customer service again asking for details on the debt. 

To date, I have not received any information on what this debt is for, yet I am getting harassed to pay a bill. Diversified Consultants also reported false information to the credit bureaus " late payments '' and " delinquent accounts '' Diversified Consultants never provided me with any information on how, or even that I could, dispute this debt. 

Although the company is well aware that I am in need of more information about this debt they have not provided me anything. They will not give me information to contact XXXX XXXX XXXX myself, they will not let me record the phone calls I have with them, and they continue to keep false information on my credit report
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.