23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a new City Priority account on XX/XX/2019 in hoping to get the promised XXXX XXXX XXXX bonus. I fulfilled all the requirements asked by CitiBank. However, they had been postponing crediting my account. First, it made false assumptions, claiming I did not met the requirements. I called in many, many times. Then I received a letter from CitiBank on XX/XX/2019, saying after investigation, it verified that due to some internal errors, my account was not credited, but it would do so within 90 days. I waited, but nothing happened. I contacted my banker. He said it would be fulfilled soon. It had been more than 5 months since I should have received my bonus. It seems CitiBank loves playing this type of scam and writes customers blank checks.
Product: Credit reporting or other personal consumer reports

ON XXXX I HAVE 2 CREDIT INQUIRIES, AND ON XXXX I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : CAPITAL ONE ( 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 CAPITAL ONE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CITIZENS BANK XXXX  Date Opened XXXX XXXX XXXX Balance : {$290000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX ( Original Creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express said I had a late payment on my credit report but I didn't and they wont fix it or help resolve it.
Product: Debt collection

I HAVE DISPUTED THIS SEVERAL TIMES AND IT COMES BACK ON MY CREDIT REPORT CONCUMER DISPUTED THIS ACCOUNTS INFORMATION BUT IS STILL DRAINING MY CREDIT SCORE
Product: Payday loan, title loan, or personal loan

Mosaic refuses to cancel my project and loan despite the contractor lying about having completed the project. There has been XXXX progress on the project and they have already disbursed {$100000.00} to the contractor.
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 Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, XXXX XXXX, and Equifax, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Product: Debt collection

I received a demand letter dated XX/XX/year> from Aldous and Associates in the amount of XXXX for an amount owed to XXXX XXXX. Upon receipt of this correspondence, I immediately called them to inform them I never opened an account with this company and have never ever been to a XXXX XXXX in my life. I sent them a certified letter stating this debt does not belong to me and to immediately stop the collection process, however. I was just notified by XXXX that on XX/XX/year> a collection was put on my credit report. I, yesterday, XX/XX/year> called them once again to resolve this issue with no avail. My XXXX credit report dropped about XXXX points due to this frivolous collection attempt. I also called XXXX on XX/XX/year> and filed a dispute accordingly and put a freeze on my credit report. Please have them immediately remove this collection item from all Credit Agencies.
Product: Debt collection

On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me or not authorized. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. 

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank has stated that the State of Michigan needs to request funds back from deposits that were made in the name of XXXX XXXX. The XXXX states this is not something that they do and if the funds that were deposited were for an individual that was not on the account, they should have been returned back to the originator initially. PNC allowed several deposits to post for several months and is now refusing to return funds that were for the account holder as well as the person who had been receiving the funds. Account owner has attempted to contact PNC bank and the XXXX several times regarding this matter and not only has PNC refused to simply return all funds to the sender, they have stated that due to the funds that were posted, the funds that were also posted for the account holder will not be returned either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Auto Financing place 2 inquires on my credit on the same day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attaced fraud inquirer have been removed by other credit reporting.
Product: Debt collection

On XX/XX/XXXX after rejecting the phone call for debt collector for XXXX  at XXXX PDT ( after already explaining that I do not owe the debt of {$130.00} ) they immediately called back XXXX PDT. I was out of town in California, so receiving calls at XXXX PDT wasn't fun either. But the audacity to call back immediately after rejecting the call really takes the cake.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling of disputes in recent light of the CFPB lawsuit highlighting major issues with the platform. Despite me using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

On approx. XXXX/XXXX/21 I was the victim of identity theft, which I promptly discovered. As a result of this identity theft, I had 2 fraudulent " hard '' credit inquiries on my credit reports. I was able to fully resolve this, except for Equifax. Equifax requested very specific documentation to remove the 2 fraudulent " hard '' credit inquiries ( namely : " XXXX XXXX of XXXX... '' & " XXXX XXXX XXXX ... '' ). Equifax wanted a letter from me, copies of ID, and a police report ( please see all of this attached here to this complaint ). I mailed the documentation Equifax requested to them on XXXX/XXXX/21. Today ( XXXX/XXXX/21 ) I checked my Equifax credit report, and the 2 fraudulent " hard '' inquiries are still on my report. I invested hours on the phone trying to figure out why the fraudulent inquiries were still in my report. Equifax acknowledged receipt of the data I provided to them via XXXX on XX/XX/XXXX, but indicated the documentation was deficient in that the police report was not dated. I told Equifax to check the data again, as the police report was dated. Equifax acknowledged the police report was dated, but told me I would have to submit the documentation again. They were very unprofessional. Given that I have supplied ample evidence that the " hard '' credit inquires I am disputing are fraudulent, as precisely requested by Equifax and in accordance with federal law, I would like CFPB to please help me get Equifax to remove the fraudulent " hard '' credit inquiries from my credit report, please. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 
Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

States on credit report from XXXX  that credit card was opened XX/XX/2020, I never applied for or have or received this capital one credit card
Product: Credit card or prepaid card

I lost my card and they refuse to issue replacement card when I called customer service they tell me they cant issue new card that they need to change entire account number horribke experience BEVAUSE I have exhausted all card number I need a replacement and their refusing to issue me one give me hard time what type of customer service is this then their was fraud charges transactions made on the card I lost they never reimbursed me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a target XXXX XXXX  in XX/XX/2021. The card had a balance of XXXX which I paid using my checking account at XXXX. The payment got returned and target stated that the account information was incorrect. I worked for XXXX for over 9 years and know for a fact that the information was correct. After confirming that I had the correct information I used the online pay tool again. That second payment came back and target closed my card. I became upset and paid XXXX the balance on XXXX XXXXAfter letting target know i will not be paying the late fee or interest due to the issue being on their processing side they continue to harass me and add late fees/interests to my closed account. They are reporting me delinquent and that is affecting my XXXX XXXX. I have filed a XXXX  complaint with out resolve of the issue.
Product: Credit card

XXXX & XXXX bought the debt for my XXXX credit card. I am enrolled in a debt settlement company and we were trying to settle the account with XXXX and my debt settlement company found out it was sold to XXXX and XXXX. We immediately contacted them and started putting our efforts towards working on a settlement with them directly. It took my debt settlement company sending a power of attorney XXXX times, before they finally processed it, to speak with them. They finally received a settlement offer from XXXX and XXXX on XX/XX/XXXX. They ran it by me, I agreed to it, and the settlement company asked them to send over the final settlement offer so that we can upload and sign it to activate the escrow funds being used to pay the settlement. They still have not sent this document. No one answers the phone. The email they gave me doesnt respond. I am a high risk XXXX and XXXX XXXX. I should not have to be following up daily on this. Its very simple. They sent the offer, we all agreed to it. now we just need the document to sign. I dont know where the disconnect is, but this has happened before. And my debt settlement company always provides me proof that they reached out. We have been very proactive in trying to pay this debt back and XXXX and XXXX is unresponsive. Its not fair. I have health issues that I need to be focusing on. Its Sunday afternoon and Im XXXX  out about it because XXXX and XXXX promised the settlement document would be sent by end of day XXXX, XX/XX/XXXX, and it still hasnt been sent. My debt settlement company also reached out on XX/XX/XXXX to follow up and find out where it is. We lost {$88000.00} on a house that wasnt selling, and had financial difficulties after. We arent even out of the XXXX  financially yet, and Im still trying to pay this debt settlement. Im using money that is slated for regular expenses, to pay this debt settlement. I put money into an escrow account every month with my XXXX settlement company, all we need now is the settlement agreement so we can pay it! I have never had to beg a debt collector to pay them.
Product: Debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.