23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To : XXXX, XXXX XXXX, CoreLogic, XXXX, Subject : Demand for Withdrawal and Permanent Removal of Private Information I am writing to you as the Beneficiary, XXXX, and SXXXX XXXX XXXX XXXXXXXX XXXX XXXX, with the expectation that you, as fiduciaries/trustees, act in accordance with the principles of equity and the XXXX duty owed to the beneficiary of this trust relationship. It has come to my attention that your organizations have been using my private propertyspecifically my driving recordby making it publicly accessible and profiting from it by selling this information to insurance companies. These actions have directly harmed me, the XXXX, by leading to inflated insurance premiums and other unfavorable conditions. 

Your continued use and distribution of my private information constitute a breach of fiduciary duty. As fiduciaries/trustees, you are obligated to act solely in the best interest of the XXXX, ensuring that the trust 's assets ( in this case, my private information ) are managed and protected with the utmost care. By selling or distributing my driving record, you have violated this duty, and as a result, you are punishing the XXXX action that equity will not tolerate. 

If you are not the trustees of this trust relationship, you are not authorized to hold or manage my private property. Therefore, you must immediately return my private information to me so that I may appoint another trustee who will act in my best interest. 

As the XXXX and XXXX, I hereby demand the following : Immediate Withdrawal : You must immediately cease the use and distribution of my private information, including but not limited to my driving record. 

Permanent Removal : You must permanently remove all instances of my private information from your databases, records, and any other repositories where this information may be stored.

Information Freeze : You must implement a permanent freeze on my private information, ensuring that no entity, especially insurance companies, can access or use this information to quote or profit off of it. 

Proof of Removal : Please provide proof of these deletions and freezes. 

Failure to comply with these demands will result in legal action in a court of equity, where I will seek all available remedies, including but not limited to an injunction against your organizations, damages for breach of fiduciary duty, and any other relief deemed just and appropriate by the court. 

You have 3 days from the date of this letter to comply with these demands. If you choose not to act in the best interest of the XXXX, you will face the consequences of your breach in a court of equity. 

Please confirm in writing that you have complied with these demands and that my private information has been permanently removed and frozen as requested. 

Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX Beneficiary, Grantor, and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.
Product: Checking or savings account

There are several XXXX  payments that were sent to wrong person without warning and I never got my funds back. Fees were tacked on to my account and I could not get a hold of my debt. Prior to XXXX  I did not have many fees and I manage my acount well. Fraud has constantly been happening over the last two years as well, with people gaining access to my card information.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, we noticed some incorrect information on our credit reports and opened a dispute with all three bureaus concerning the wrong information. We had a XXXX  XXXX bankruptcy back in XXXX in which the financial institution, although listed in the bankruptcy, their loan was secured as a creditor. On our credit reports, this account is listed as closed, with no payments due, and no payment history. We have received a statement each month from the financial institution, paid the payments as agreed on the establishing contract and have never been late. We would like the credit reports to actually reflect the true status of the account, i.e. still open, paid on time, and truthful history of payment. It seems that the financial institution considers itself except from reporting truthful information, because it was merely named as a creditor on the bankruptcy. This is unfair to the consumer who has paid faithfully. If there is no balance as shown on my credit report, then why am I still getting statements and paying?
Product: Mortgage

On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 12 year XXXX XXXX mortgage payment history is not being reported on my Experian report. I have phoned, emailed, contacted via website, and mailed Experian about this and Experian will not report the mortgage payment history. 
I contacted XXXX XXXX to verify they are reporting and XXXX XXXX sent me a letter verifying they are reporting to Experian. I mailed the letter to Experian and called them to verify they received it, they did and they said they would resolve it in 3 to 5 business days. There was no resolution and I have contacted them since but to no avail. Experian will not report my 12 year mortgage payment history no matter how much I have shown them it is legitimate. 
I have verified with XXXX and XXXX XXXX that my mortgage history is being reported with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXXXXXX XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX  it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was Experian with a XXXX score. At the end of the credit report gives information as to why XXXX  and XXXX  could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have serval unauthorized credit inquiries that I have no knowledge of and would like to remove them.
Product: Credit card

I reached out to XXXX XXXX for work to be done to my home. XXXX XXXX sent me to Greensky for an approval and I was approved for {$10000.00} upon the completion of the work done on my property. XXXX XXXX reached out to Greensky for payment, however the ACH transaction to fund the project was returned because the account was closed. I will attach the email showing the funds was never released to the contractor account.
Product: Credit reporting

On XX/XX/XXXX I pulled my Equifax Credit Report and noticed an account XXXX Account # XXXX on my report. On XX/XX/XXXX I disputed the information, XXXX Account # XXXX by sending a certified letter ( see attached ). I pulled my report several times after and the item was removed as evidenced in reports dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit alert and when I pulled my credit on XX/XX/XXXX discovered that Equifax had reinserted the debt! I was quite alarmed. This is a violation o the FDCRA and I need your help. Please know that I filed a similar complaint with you on XX/XX/XXXX Case Number:XXXX as Equifax did the same thing to me once before and they immediately deleted it. Clearly, they are willfully and maliciously sabotaging my credit report. I am asking that you to please help me. Please see all the attached proof.
Product: Debt collection

I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, Administrator and owner at XXXX XXXX XXXX, My address is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On XX/XX/2020 a Solar company showed up on my door steps discussing a possible Solar panel to be installed on my roof. Company name " XXXX '' I was told that we needed to have a Fico score of XXXX  or higher. On the day of the visit I id not provided the company with all the information they required.I was to meet and discuss the details the next day but since the home in question is a Residential facility for the disable children we were instructed by the governor of California to keep all people we do not know at bay. The company was informed of this changes the following day but my Credit was pulled the day of the initial visit without me giving consent. When asked why they reported the inquiry as a loan I was told that they were not aware of this. 

My Fico score went down 13 points as a Hard Inquiry and reported as a loan. 
Sales reps.were XXXX and XXXX, two brothers XXXX. 

XXXX XXXX  XXXX  county District Manager XXXX XXXX Per XXXX  the DM I was told that he would look in to this problem after I provide him with a copy of my Bill from XXXX. California XXXX to see if I am a good fit for their company. 

At this point I am requesting the inquiry will be removed from all credit bureaus and that all my private information will be deleted from their company data for me and my sister XXXX XXXX. We would like a letter in writing stating all of this.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account and I did not violate any rules. They're also holding my money. I would like this restriction to be lifted. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX EQUIFAX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX XXXX AND EQUIFAX XXXX HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS.

They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. 

XXXX AND EQUIFAX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am requesting that you re-investigate the inaccuracy in the information that your credit bureau has investigated this last XX/XX/XXXX, regarding my car loan debt. The debt in question was incurred with my bank three years ago and was subsequently charged off for an amount of {$5100.00} back in XX/XX/XXXX. 

I have noticed that my credit report now shows a different amount of {$6100.00} which is an inaccurate balance. I have no record of any further activity or transactions related to this loan after it was charged off, and I was not notified of any additional charges or fees. Therefore, the reported amount of {$6100.00} is incorrect and should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this inaccurate balance despite previous investigation suggests that your procedures have not been adequate in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Transunion to clear up some things that's showing up on my credit file when applying for credit. Transunion is reporting I have 2 delinquent accounts and 1 derogatory account on credit file. I spoke with someone their and they were suppose to correct the issue and it has not been corrected. I do not have any delinquent accounts or derogatory accounts. Transunion needs to update my credit report immediately to reflect no delinquent accounts and not derogatory accounts.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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

This My Second Complaint, The First case was denied