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

In accordance with Fair Credit Reporting Act XXXX Account 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 XXXXXXXX XXXX has Violated my Rights 15 U.S.C 1681 Section 602A 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 tarnish a account without my wrriten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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 belongs 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 items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to them several times.. wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Checking or savings account

I received XXXX unemployment benefits deposited onto my US bank reliacard. Initially the unemployment benefits were deposited into my XXXX account. Due to a policy change to receive benefits into your personal account the bank of your choice must have a physical branch in state of Ohio. 

XXXX is online bank only. 
I agree to have 2-3 weeks deposit onto my reliacard then to receive paper checks in the mail for rest of my benefits weeks till my XXXX bank account could be processed to receive unemployment benefits. 

Had to go out of town and my reliacard was in my safebox. My roomate during XXXX month spree stole my unemployment benefits by using XXXX to transfer of my reliacard to her own debit card. 

I contact XXXX unemployment office and they advised me to file a dispute with US bank. US BANK denied my dispute blaming me for theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information unverifiable
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Based on my initial dispute and the provision of supporting documentation, this late open account persist, negatively affecting my creditworthiness. This letter serves as my several attempt to request the correction of this inaccuracy. At that time, I provided all the necessary documentation to demonstrate that this late payment was not valid or was the result of extenuating circumstances. However, despite my efforts, this late open account continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of this late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into the thiss late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of this inaccuracy. With this, I am asking for your assistance to correct this account : XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I checked my consumer report and noticed that RMP LLC are reporting my private information to the credit bureaus. I have not given any consent to RMP LLC to report any information on me to any of the credit bureaus. I also did not receive a notification to opt out of credit reporting for this account. This is my written instructions to opt out of reporting for this account. I am aware that the furnishing of information to any credit reporting agencies without my consent is not lawful.

I would like for RMP LLC to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was placed on my consumer reports.
Product: Debt collection

I used my credit card, a Chevron card, at a location near where I live. The only other time I used the Chevron card, other than at that location, was in early XXXX of last year. I used my Visa card at the same local Chevron station on XX/XX/XXXX of this year. On XX/XX/XXXX I received an e-mail from my bank citing suspicious activity. I informed my bank that the activity was fraudulent and cancelled the card. That Chevron station was the only place I used that Visa card other than XXXX. In XXXX I received a bill from Chevron. I paid them what I owed but did not pay the fraudulent charges. All the above I stated in a letter to Chevron which I sent with my bill. I sent the letter to the address of credit card payment and another copy to the address given for complaints about incorrect charges. I am still getting billed for the fraudulent charges. Not only did I cite the fraudulent charges but I referred Chevron to my bank, including the last four digits of the cancelled card, so they would would know where the cards were being copied.
Product: Debt collection

The attached letters, which are debt validation forms, were sent and received via certified mail to National Credit Systems. The company after 30 days has still not responded and failed to validate the debt.
Product: Money transfer, virtual currency, or money service

I was recently scammed by someone claiming to be a representative of XXXX. I was told to purchase both XXXX and XXXX XXXX cards in order to unlock my XXXX ID that I was having trouble with. Shortly after providing the information, it became clear that I was being scammed. I contacted XXXX immediately thinking that they could reverse the credit back onto the cards so I can get some of my money back but they indicated that they could not. They have to come up with a better way to help people like me. 

My bank is unable to reverse the charges because I technically did make the purchase at the store but certainly XXXX should be culpable for fraud they're permitting to occur.
Product: Vehicle loan or lease

XXXX  XXXX XXXX has been paid off XXXX called about my title and no results. As of today XXXX I still dont have my title. Also please look into gap insurance and what maybe owed. Thanks.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been a victim of identity and this company continues to report fraudulent items that are due to identity theft. A reasonable solution would be to delete the items from my credit report due to identify theft.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated XXXX period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid XXXX XXXX XXXX via Venmo {$60.00} on XX/XX/year> and {$360.00} on XX/XX/year>. The vendor performed the service incompetently and damaged the products I had that he was hired to install and caused additional damage to my vehicle which cost me additional $ . I tried repeatedly to get the vendor to pay me back but he refused. XXXX XXXX XXXX has an XXXX  account and I found him advertise his business via XXXX XXXX and XXXX. 
I filed with the XXXX  ( Case # XXXX ) and the vendor didn't respond to the complaint. 
So I disputed with Venmo and they told me that the individual was operating a fraudulent account but that they would not refund my money because I should not have trusted him. I tried to dispute with my bank but they stated that I needed to dispute through Venmo. Both Venmo and XXXX XXXX  agree that I was defrauded but no one will refund my money. Venmo claims that they shut down his fraudulent Venmo account but that doesn't help me recoup my losses. Please help.
Product: Checking or savings account

Shortly after opening my account with M & T bank and funding the account they suspended my bank to bank transfer ability. Over the course of 7+ phone calls with three departments spanning more than a month, they continually told me that my account would be suspended 'by the end of today ' or 'by close of business tomorrow ' and they continued to not make good on this promise. Then after 4 weeks, last week ( the week of XX/XX/XXXX ) my bank to bank transfer was suspended and I was able to transfer money in. Right as I tried to transfer money out they refroze my account and are continuing to tell me 'it will be resolved by the end of the week '. They are refusing to let me transfer out thousands of dollars and won't even let me close the account. Their actions have created a large financial strain for me and they have continued to not make good on their promises to unsuspend my account, while letting my transfer funds in and refusing to let any funds be transferred out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX  credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Vehicle loan or lease

On XXXX my second car payment was due. At the time I was working reduced hours and didnt have the payment. Lobel financial allows a 10 day grace period. On XX/XX/XXXX i received a call from them asking about the payment I explained to them that I got paid the following week and would make the payment then. Once I got paid I still didnt have enough to cover the full payment of {$370.00} but I did have {$200.00}. On XX/XX/XXXX I attempted to make the payment online but was prompted that I had to pay a minimum of {$290.00} which I didnt have so on XX/XX/XXXX I was able to get ahold of customer service and they accepted the {$200.00} payment and explained that the remaining balance was {$190.00} ( there was a late fee included ) I was also told that the account was 24 days past due. Around XXXX pm on XX/XX/XXXX my car was repossessed with out my knowledgemind you this is a new loan. So the next day I call Lobel and they refused to do business with me and stated they would be selling the car back to the dealership. The dealership picked up the car from repo on XX/XX/XXXX. I havent heard anything since.
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, BESTEGG, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, BESTEGG, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

For the past three months, I have had issues with my Upgrade card falsely labeling my account as delinquent for non-payment despite the fact that I have my payments set up to be automatically deducted monthly. I have called so many times about this issue I have lost count with the most recent call being today XX/XX/2022. I am told that their system incorrectly allocates my payments and that there's nothing that can be done unless I call in every month prior to my payment being deducted to make sure someone manually allocates the payment correctly. In the meantime, if this isn't done, my account is labeled as being delinquent and all of my card transactions are declined. They also have charged me several " accrual ' fees related to this despite me never making a late payment or underpaying. They are penalizing customers because their system is flawed.
Product: Checking or savings account

I signed up for a new checking account on XX/XX/18 with Bank of the West with 2 sign-up promotions.

Offer 1 : Earn up to {$150.00} for opening an Any Deposit Checking account within the campaign dates, and complete the following : {$100.00} - Establish a direct deposit of at least {$250.00} ( two or more direct deposits that add up to {$250.00} do not qualify ). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by XX/XX/2018. 

{$50.00} - Request, receive and use a new Bank of the West Debit Card for at least 10 point of sale purchases of at least {$3.00} a piece, per month, for each of the two full calendar months immediately following the month in which the opening deposit posts to the account. Opening deposits must be received and posted to the account no later than XX/XX/2018. All required purchases must be posted by XX/XX/2018. 

I met all the requirements, and the bonus was supposed to post on XX/XX/18. I did not receive my bonus, and inquired Bank of the West why, since I met all the requirements. I find out that they charged me a fee on XX/XX/18, which should not have been charged in the first place, which overdrew my account. They are saying that because this fee that they charged that overdrew my account made me ineligible for the bonus. There is nowhere in the terms either that overdrawing the account after the promotion date would make a customer ineligible.This is completely unfair and predatory to intentionally overdraw the account in order to not pay out the sign up bonus.
Product: Credit card

I have XXXX miles available to use on my Barclay XXXX for a cash redemption value of {$3500.00}. I have an expense of {$4500.00} for a recent hotel stay that I originally planned to offset with miles. 

Barclay requires users to make their purchases then apply miles to the purchase after it is shown on your statement. When I went to use my miles, Barclay is capping the amount of offset at {$2000.00}. I am effectively out {$1500.00} for a reason I do not understand.