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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, XXXX, Equifax, and XXXX I am writing to dispute several inaccuracies in my credit report obtained on [ date you obtained the report ]. This letter serves as a formal request for an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Account Information XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Equifax Account Number : XXXX Balance : {$2000.00} Status : Closed Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Specific Inaccuracies Balance Discrepancy : The reported balances vary across the bureaus, creating confusion about my financial obligations. 
Account Status : The account status is inconsistent : " Open '' on XXXX and XXXX, but " Closed '' on Equifax. 
Payment History : While I have consistently paid on time, several months in XXXX show " No data available, '' which misrepresents my payment history. 
Legal References Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information identified as resulting from identity theft within four business days of receipt.

15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) require accurate reporting, which is currently not upheld in this account.

According to 15 U.S.C. 1681, I have federally protected rights to privacy and confidentiality.

15 U.S.C. 1681b mandates that a consumer reporting agency can not furnish accounts without my written consent.

Request for Documentation I request that you provide me with the original copy of the agreement, along with the terms and conditions associated with these accounts. Failure to comply will result in the forfeiture of your claims and may require the deletion of the items listed above.

You are required to act on this matter and block these transactions from being reported to my credit file within four business days of receiving this notice. 
Resolution If these inaccuracies are not resolved, I will seek damages of {$1000.00} per account under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card

Citibank XXXX XXXX has increased my interest rate to 29.99 %. I understand that this is their rules when someone pays late but I was only a few days late. I see this as unreasonable punishment since they also hit you with a late fee as well. My balance on my card is only $ XXXX out of $ XXXX credit limit. I have been a long time customer of Citi.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover unauthorized inquiries on my credit report. I have no idea how they got there. As I routinely check my credit report, this discrepancy completely blindsided me. I even refreshed my browser, thinking it might be a glitch, but the unauthorized entries remained. I'm deeply troubled by this and urgently request that you thoroughly review the documents I've sent so I can have peace of mind once and for all.
Product: Vehicle loan or lease

EXETER XXXX XXXX denied me an extension of credit after accessing my credit. According to XXXX XXXX XXXX ( k ) ( XXXX ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, XXXX XXXX XXXX XXXX - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, XXXX, XXXX XXXX XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, EXETER XXXX XXXX XXXX XXXX Consumer and Lender into XXXX consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with XXXX XXXX XXXX - XXXX charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, the requirement of a down payment nor the statement of reasons as to why I've been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by my bank, XXXX XXXX, that I have no credit report in the United States. Consequently Equifax/XXXX  have not given me a score. I question this because, I have a credit line with XXXX XXXX  that I have consistently and faithfully paid every month for years. I pay in excess of any minimum payment requirements and have always done that. I've never been in arrears. I'm a US citizen, have owned and paid off 4 houses in Florida, have had a successful business in Flordia, etc. I'm XXXX XXXX  XXXX and have been residing in the XXXX XXXX for the past 10 or so years. However, I have kept my account with XXXX XXXX and receive my US Social Security there. My concern is how can I have no credit history when I have one with XXXX XXXX which clearly demonstrates an excellent payment history. I also question how 50 years worth of credit history has just been wiped away. I feel like I'm being penalized because I cleared my debts before I retired. I keep this credit line so I can help my children. The reason that this all came about is that I request in increase in my credit line bacause I'm helping with some house renovation and the extra money would have been very helpful. It was denied because there isn't a XXXX Score because I have no US history. Does my history with XXXX XXXX not count or has it not been reported? I've been with XXXX since XXXX and with that same bank in Florida under its ever changing names due to mergere/acquisition since XXXX. I feel like I'm being punished because I have paid my debts and continue to do so and that is not being recognized. How many debts do I have to have before I become a real person!
Product: Credit card or prepaid card

On XX/XX/2020, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. We then contacted the University to receive a paper check but was rejected because BlueBird had not returned the funds. We were in constant contact with Bluebird and the University trying to recover the funds. We tracked the funds to a locked account with BlueBird. The BlueBird customer care team told us that if we close the account any remaining balance would be refunded to us. We were instructed to mail the request in and it would take 14 business days to process. We mailed the request. By XX/XX/2020, the account was open & suspended and no refund was given. At this time the BlueBird customer care team then informed that we need to have the originator send a letter of indemnity and after receiving the letter it will take 10 business days to process and return the funds to the originator. It is now XX/XX/2020, and the account is locked, not closed, with the funds presently in the account. I receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wednesday, XX/XX/2020, at XXXX XXXX.XXXX. stating my balance is {$5700.00}. All I am requesting is to have the funds returned to the originator.
Product: Debt collection

XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.
Product: Checking or savings account

Enter Bank of America in XXXX Illinois and later the same day in another location near. I had to wire XXXX K to my business account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Next, I was told the funds where put on hold even though they are available due to Manager XXXX discretion. Arbitrary and cruel since I needed the funds ASAP to close on a real estate transaction and prevent from being in breach of contract. Manager claimed she could use desecration to block my wire transaction. Next, I traveled to another Bank of America and the same thing happened. Mystified I said to the Manager that I would hold her liable if she caused me to be in breach of contract. The manager of the first and second bank was aware of the escrow company because it was local. All this time, I was on hold with online customer service trying to remedy the problem. Then a nice junior customer service woman helped me process the wire online. After, I walked in and told the manager that someone covered for her. She did not want to return my identification and was rude. She continued her rude and disrespectful tone with me saying she could not help me even though I had already processed the wire. 

Currently, one of the managers placed a XXXX dollar hold on my account. This is harassment beyond reasonable doubt. Even seems they tried to provoke me at time. I was speaking in a low tone and the manager says lower my voice in a condescending manner. The whole affair felt a another XXXX attack. Even still I closed the real estate transaction that Friday overcoming the harassment and blatantly XXXX XXXX managers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is violating my consumer right to privacy pursuant to 15 USC 1681b 2 XXXX XXXX XXXX XXXX has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I demand they both delete this account off my account.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by FIRST CREDIT SERVICES XXXX INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : When Covid hit in XXXX, I called the gym to cancel my membership but they didnt allow me to cancel on the phone or online, they said to send a written notice, which I did. Months later I found a collection on my credit report. There is no membership fee due, I was not sent any notices of bills being past due either I was harassed on the phone and told the company I was disputing this debt and for them to only correspond with me via mail. But I kept on getting called by their robot caller and they failed to mark my account as disputes. 

This is my account regading this matter : Account name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. 

Solution : deletion of my account from all credit bureaus ( XXXX, XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, Equifax and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.
Product: Debt collection

FTC Report Number : XXXX Victim Fraud Assistance Department, XXXX Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Transunion and XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

In 2011, I purchased a vehicle using Wells Fargo for the loan. My payments were set up on auto pay. I had gap insurance that I was paying the car was almost paid off. The payments were up-to-date and they repressed my car after many attempts to contact Wells Fargo, and figure out why they repossessed my car. The issue was never resolved. Now I have read information online that this happened to a lot of people and there is a lawsuit being settled, but the Wells Fargo representatives told me that I was not eligible for the lawsuit I feel like my situation is exactly what the lawsuit is describing. They recently sent me a check for {$41.00} claiming it was an overpayment from my auto loan. Not sure how I have an overpayment when my car was repossessed for delinquent payments
Product: Credit reporting or other personal consumer reports

Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the XXXX of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to Address the reported XXXX  Account, shown in Exhibit C and B-1 XXXX has failed to remove the inaccurate accounts and inquiries in Exhibit C and Exhibit B-1 attached to the Affidavit of XXXX XXXX XXXX XXXX. This is the last and final attempt to rectify this matter before seeking civil action with the affidavit and evidence. 

Attached you will find the most recent credit report. XXXX  is largely unaligned and misreporting inaccurate information unlike their peers Transunion and XXXX. 

For additional damages and facts regarding the matter please the Attached affidavits. 

Pursuant to FCRA 611 ( a ) ( 7 ) XXXX  has not provided a description of methods used in investigations requested within 15 days. I requested to see a complete list of all documents and correspondence with all names and contact information of employees that you spoke to as part of this investigation. I requested if e-oscar was used please show verification for Metro 2 compliant data. 

I have not received any certifications of accuracy or copies provided for investigation of the named accounts and inquiries. 

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  has not blocked the information as requested in the original letter meeting all the legal requirements and opted to ignore the request unlike their peers. XXXX  has not provided XXXX  is in violation by vicarious liability for False or Misleading Representations 15 U.S.C. 1692e, Furnishing Certain Deceptive Forms for Verification 15 U.S.C. 1692j, Unfair practices - 15 U.S. Code 1692f with reporting inaccurate information obtained by false pretenses. 

XXXX  did not abide by the listed inaccurate accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) after I provided all the requirements, affidavits, police reports, and letters. No notification was provided to myself, the consumer regarding declining the block ( s ) of the requested accounts. 

Given the duration and frequency of notice regarding this matter XXXX actions are construed as willful noncompliance. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report.

Please find the attached documents to assist in the removing of the erroneous information currently on my 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 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 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 XXXXXX/XX/XXXX