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

The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint XXXX  responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from Experian dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to XXXX, XXXX  and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Vehicle loan or lease

I have asked the dealer to cancel the below additional accessories, in the contract it says it's cancellable but he is not cancelling and trying to fool me around for a month now and the interest will be charged for me as I have the payment to be made this month. 
Date of purchase : XXXX XX/XX/year>XXXX  Date of cancellation request - XXXX XX/XX/year>XXXX  1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX Which amounts to a total of additional {$5600.00}. 

My initial monthly payments were : {$300.00} without these accessories. After the addition of these it bumped to a whopping {$410.00}. 


I have gone through the contract and it clearly says it can be cancelled within 30days in the state of TX legally with written notice. 

Comppany responsible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.
Product: Credit card or prepaid card

XX/XX/2023 added {$100.00} in XXXX WA XX/XX/2023 {$3.00} XXXX transaction in XXXX XXXX, XXXX, CA XX/XX/2023 {$100.00} transaction to www.cookiesagency.com, XXXX XXXX XXXX, NY Money was spent before the card was opened. 
Called helpline ( XXXX ) only to be transfered 4 times and hung up on. Noone I talked to was the " right department ''. 
Company is XXXX
Product: Credit reporting, credit repair services, 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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account NumberXXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM XXXX, XXXX, EXPERIAN AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) {$1700.00} AMOUNT XX/XX/XXXX DATE XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXXXXXX  ) {$1000.00} AMOUNT XX/XX/XXXX XXXX ACCOUNT NUMBER
Product: Bank account or service

I opened a Citigold Checking Account with a promotion for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing 2 bill pays in 2 consecutive months. The promotion code was XXXX. 
I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account. After approximately a month, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles. Because I confirmed multiple times, and have a transcript of the secure chat in which I was told I was eligible and did complete the requirements, I believe Citi should honor the promotion they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted a us bankruptcy court ask them if they report to the credit bureau they send me letter saying no they dont third party company called XXXX reported it dispute that item requesting the source they refuse.
Product: Debt collection

Whenever I receive calls from Affiliate Asset Solutions, I answer the phone and say, " Hello, this is XXXX speaking '' and I get no response. I say " hello? '' a few times and then they disconnect the call. This occurred twice today, on XX/XX/2021, at XXXX and again at XXXX ( XXXX time zone ). I called them back after the second incident to confirm they only have one debt on file with me. From my understanding of the Fair Debt Collection Practices Act, it's a violation to call me twice in one day. I'm attaching screenshots of my phone to confirm this account of events.
Product: Prepaid card

I kept getting the runaround and talking to different people and then they switched me to somebody else to get the understanding what's going on still haven't really gotten to understanding and they keep passing me to the next person to the next person cuz they don't know what to do and I'm tired I'm getting charges every month I'm getting over like I owe them money and it's getting ridiculous
Product: Credit reporting or other personal consumer reports

Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I was told I was getting a loan to pay for XXXX that I could pay off within 12 months with no interest. Then I found out after missing several payments that it was in fact a credit card. I was clearly mislead. I talked to the company, CareCredit in XXXX to clarify the situation and they told me my credit would not be affected, but they had already report my XXXX " missed '' payments to credit agencies. I talked to XXXX peope at CareCredit and they said " tough luck '' in a pretty rude manner. I asked to speak to the head manager, but they have not had the decency to call me back. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letter to dispute incorrect and fraudulent information and they're still not deleted from my credit report files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section XXXX but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX  XXXX, XXXX  XXXX
Product: Debt collection

This is not my debt. I just recently turn XXXX and I have not acquired or tried to obtain any credit. This account must be a result of identity theft. Please investigate and remove this account from my credit report ( all major credit bureaus ) immediately. As a creditor/service provider how did you prove or vet the consumer concerning identity before providing the service?
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit card

On XX/XX/ I was alerted by phone by my credit card company that someone was trying to make unusual ( for me ) purchases, They were online attempts to purchase from XXXX. I confirmed that was not me making these attempts. The credit card company cancelled that card and issued a new one. 

Yesterday I received a letter from the cc company that they had determined it was a valid purchase because XXXX sent them documentation.The documentation consisted of my mailing address, my email, my name and my phone number. The cc company says that is proof that the purchase was valid. I just googled myself and found all of that information easily. 

I called Barclay 's ( credit card issuer ) today and after talking to XXXX people ( including a senior fraud anylist ), they still insist that I am responsible for this charge. Almost {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  said they updated my address but experian still havnt updated it
Product: Debt collection

In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.
Product: Debt collection

When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.
Product: Debt collection

Portfolio Recovery Services constantly calls me at all hours claiming I have a debt from 12 years ago that I never had ( and would be past the statute of limitations even if I did ). They spoof numbers so it 's always different on the caller ID. I 've sent XXXX cease letters certified mail to them, and they ignore them both. They use vulgar language and threats every time they call. This has been going on for over a year, my next step is to sue them as others have ( which would include {$1500.00} for every call they make to me ). They ca n't even tell me what the so called debt is from!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX Bankruptcy filings that populated on to my XXXX Credit Report with XXXX on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different SSN than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, XXXX completed their investigation and marked the bankruptcies to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the SSN used for the bankruptcies is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new bankruptcy on my credit report filed XX/XX/2021. XXXX 's reporting of this bankruptcy and the prior XXXX are costing me a lot!
Product: Mortgage

My wife and I entered into an agreement to buy a home from DR Horton. They recommended we use DHI Mortgage company for the loan. My wife and I were both on the application and got pre approved for the mortgage. Since it is new construction it has taken some time for the home to be built. It is not ready. When the covid-19 pandemic hit my wife lost her job with XXXX and is currently not making any money. My credit score has taken a significant hit as well. I have reached out to  XXXX from DHI on numerous occasions through voice mail but she will not return my calls. The last email correspondence was on XX/XX/-20. Therefore I went to another mortgage company to inquire about the possibilities of going through them instead. I was told that my credit score is to low to qualify and was denied. I gave the realtor the denial letter to submit to DR Horton so that we could get the {$5000.00} binder returned since we don't qualify for the loan anymore. They in turn terminated the contract for the new home but refuse to release the binder to us claiming we breached the contract which is untrue. The truth is we no longer qualify. I called DHI yesterday and spok with XXXX who is the manager and XXXX 's boss. I requested either an approval letter from him or a denial letter. I have received neither. He was supposed to email me last night about starting the process but I heard nothing from him.
Product: Checking or savings account

I opened a new Citibank account, and deposited {$15000.00} on XX/XX/XXXX, in order to receive the below promotional deal. 

Citibank somehow opened 2 accounts in my name. I called in and said I didn't need 2, they closed one,  confirming that they were keeping open the one with the promo applied. 

My {$15000.00} transfer left my XXXX XXXX, labeled as Citibank, but never showed up in my account. Citibank denied any knowledge of the transaction, even when given all of the information directly by XXXX. XXXX filed a fraud report, and 2 months later the funds were returned to my account. 

Citi now claims the promotion had expired, even though there was a new promotion that started XX/XX/XXXX that was exactly the same, and refuses to honor the deal. I have been told 3 times that a manager will call me back but it never happens. 

It also took me another month to access my account, due to an error with their site, and then an error with their shipping of a new pin, during which time I was denied access to my funds. So to date they have withheld {$20000.00} of my money for 3 months with no apology or explanation.

This is one of multiple issues I have had with Citibank not fulfilling their agreements and their mysteriously vanishing promotions. 

Closed account : ending in XXXX Savings Account : ending in XXXX Checking Account : ending in XXXX Promo : Sign up for a new Citi Priority w/Savings Account, deposit funds within 30 days, keep in for 60 days after depositing, receive a {$400.00} reward on {$15000.00}, or a {$200.00} reward on {$5000.00} XXXX https : //banking.citi.com/cbol/checking-tiered-offer/default.htm? XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I set up a recurring scheduled payment on my checking account at Bank of America to my Mom 's Assisted Living Home, XXXX XXXX in the amount of {$10000.00}, on XX/XX/2022. On XX/XX/2022 I received a notice that the payment was scheduled and would be mailed. On XX/XX/2022 I received a call from XXXX XXXX regarding my mother. She was XXXX  and needed to see me. I was with her from XXXX to XXXX. I received a call from an unknown number and ignored it since my Mother was more important than what I thought was another SPAM call. A voicemail was left stating I needed to contact the Fraud Dept. before XXXX to pay the check. This message was at XXXX XXXX, which is already past the time they gave me to call back. 1 ) I set up the payment on XX/XX/2022. If they were afraid of fraud, why wasn't I contacted then to be sure I wanted to send a scheduled payment to XXXX XXXX in the amount of {$10000.00} every month? 2 ) Why was there no indication that it was Bank of America calling? I would have answered. 3 ) Why would they call and leave a message stating to call back before XXXX to pay the item, when the message left was at XXXX? This is clearly a Bank error. I requested them to pay the item which they stated they can not, it would have to be resubmitted, of course after XXXX XXXX gets the returned item at their Bank with a returned item fee. I requested Bank of America to give me a letter stating they have made an error in returning the check and for them to reimburse the payee, XXXX XXXX for the returned item fee from their Bank. They refused. There was no way for me to get the check paid that I authorized 10 days before the check was presented. This was a check Bank of America mailed to XXXX XXXX. There was NO way in this scenario that was not going to cause customer harm. I can not be the first. Please examine their procedures. This is wrong in so many ways.