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

My credit data was leaked in the Equifax breach and my information was not investigated properly by XXXX or XXXX. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, am an XXXX XXXX living in XXXX. am suspicious of D theft and requested my annual report online but could not get one. The answering machine wants to send me one by postal to my USA address. cant get it since i am not there. 

Please send me one as an email report on my computer. How can get one? 

Thanks,
Product: Debt collection

I filled for bankruptcy in XX/XX/2016 Case # XXXX and DIVERSIFIED CONSULTANTS INC was included in my filings. They just posted something on my credit report that was included in the filings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I provided clear statements that I was disputing the unauthorized debt to XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX XXXX. Please see the debt validation letters attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, final attempt on XX/XX/XXXX with the Certified Letter # XXXX, asking for specific details about the debt being reported inaccurately. I reached out to all of these reporting agencies around XX/XX/XXXX, and received a letter attached online, saying they were going to investigate, but I still have not received anything in writing to show what course of action ( XXXX ) were taken, or anything given from them to say what they were using to determine how they investigate and/or how they came to a conclusion/findings. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to investigate the accuracy of the listing. I requested to be supplied with the valid data used by using the Federal Trade Commission ( # XXXX XXXX and XXXX ) letters given when I reported my identity, emails, Driver 's License ( ID ), accounts created, and money being stolen. Police Report Numbers XXXX and XXXX, were also attached. XXXX XXXX XXXX, the debt collector, failed to validate the debt despite a certified letter request, received the signed return receipt back in XX/XX/XXXX. The debt is listed under XXXX XXXX. I outlined all records to be sent to me. Creditor failed to respond to debt validation and findings for fraud. They only provided the single-page letter dated XX/XX/XXXX, referring back to the unauthorized company. XXXX XXXX XXXX failed to validate the debt and is prohibited from engaging in business in Texas under XXXX XXXX XXXX XXXX XXXXXXXX. Per XXXX, debt collector is not licensed/registered in the XXXX XXXX XXXX, and have been reported to the XXXX  Attorney General. Transunion closed the report without their findings and the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

XXXX XXXX XXXX calls about a debt and never says what the debt is. This company harasses my family and friends and they need to stop calling!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. Equifax and XXXX have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. Equifax and XXXX have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I called continuously to get a payment plan or a lower payment and was denied. Car was eventually repossessed and I fell behind only because I went on XXXX XXXX and it wasnt paid.
Product: Debt collection

This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.
Product: Credit reporting or other personal consumer reports

XXXX complaint # XXXX was submitted properly and therefore is under FCRA requires investigation to be complete within thirty day of receipt. Consumer never gave consent for EXPERIAN to take more than thirty day to complete this investigation thus demand deletion if the above reference complaint is not completed within time frame under FRCA, 3days.This time frame is not optional and consumer rights under FCRA would be violated. Respond within the 30 day time frame as outline in FCRA or delete the the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. XXXX XXXX account # XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. This account is not mine and has been opened fraudulently.
Product: Checking or savings account

I bank at Chime Bank. I opened an account at XXXX Bank because my mother banks at XXXX and she had a XXXX several months ago and I am now paying the bills on her condo. It makes it easier. I set up a transfer and initiated it and XXXX returned it because I had mailed my signature card and it had not hit their system causing the account to be delay getting activated. Chime said it was suspicious and seize almost XXXX XXXX dollars. I did nothing nafarious, deceptive or illegal. I am expecting a direct deposit which will be returned. I am a XXXX vet and they are causing me unbelievable hardship and stress
Product: Mortgage

A few months ago, I was approved for a trial payment plan. I had previously submitted a partial payment to Wells Fargo Home Mortgage ( WFHM ). When making my first trial payment, I made the wrong assumption that the partial payment could be included as part of the first payment. Due to that error on my part, I was removed from the trial plan and review for assistance. I had to start the process over to be reviewed for assistance again. My request was denied and I was only approved for a short sale. Per the letter that I received, I was ineligible for a Repayment Plan. I agreed with that decision. Additionally, I was ineligible for a VA Affordable Modification or a VA Loan Modification due to having reached the allowable number of modifications per VA guidelines. As a result, I contacted the VA. Via email, I received guidance that the VA would waive that rule if WFHM requested a waiver. I sent that email along with an appeal request form to WFHM. Today, I received two letters from WFHM. The first one stated that they were reviewing their decision in response to my appeal. The second letter, dated a day later, stated that they had determined that I still do not meet the requirements for payment assistance. The letter further states " We will continue to work with you to help you avoid a foreclosure sale. '' I was deemed ineligible due to a VA guideline. The VA agreed to waive it, but WFHM denied my appeal, which is the opposite of helping me.
Product: Credit card

I was living in the XXXX from XXXX - XXXX on a work visa that expired on XX/XX/XXXX and before the visa expired I moved back to my country ( specifically in XX/XX/XXXX ). 

However, in XX/XX/XXXX someone cloned my Home Depot Credit Card and used it to charge thousands of dollars of store credit and items. 

The Credit Card limit was around {$2000.00}, but Home Depot allowed the person using my Store Credit Card to purchase more than {$1000.00} above my limit. 

So I quickly disputed all the charges on the credit card website in XX/XX/XXXX. I revived an email saying that they were going to look into my request. Months later I received an email saying that they had removed the disputed charges from my bill and changed my account number ( since the original account had been cloned ). 

However only some charges were actually removed from my bill, so I called them after that and tried to dispute the charges again. Again, they sent an email saying that the charges had been cancelled but they simply wouldn't remove all charges. 

In the meantime, my credit score went down XXXX points and late fees were being charged. 

Today I tried to log in to my account, only to find out they blocked my online access where I had all the proof of my requests to disputed the charges. Now I don't have the phone records nor the messages I sent them via website, but I do have the email they sent saying that the charges had been removed and I have my XXXX that proves that I wasn't even in the country when the charges were made. 

Can someone please help me solve this problem? 

I really appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I am a victim of Identity theft and I have presented a dispute to Equifax, yet to no avail. Attached you will find the supporting documents to validate my claims. The fraudulent accounts are as follows : XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XXXX XXXX, 2021 I sent a letter via USPS Certified Mail to Transunion questioning the accounts being reported on my consumer credit profile. I believe the accounts being challenged on my credit report are reporting illegally and inaccurately. Transunion has not resolved my problem as to why these accounts are still reporting nor has the said creditors. It has caused a tremendous damage to me as a consumer and why I can not move forward in my work field nor apply for a home with my children. I know by law Transunion has taken a grave responsibility in ensuring the accuracy of consumer credit reports. I am a protected consumer and I believe my rights have been violated and that Transunion should block and remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX  ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022, I opened a Checking and Savings account with Citizens Bank under an offer to receive a bonus of up to {$600.00} if certain requirements were met ( a direct deposit of at least {$500.00} into the checking account, and maintaining a balance of at least {$15000.00} in the savings account through XX/XX/2022 ). I met all of the requirements for the bonus. The offer said the {$600.00} promotional bonus would be paid by XX/XX/2022, but the bonus has still not paid out to my account. When I online chatted with a representative of Citizens Bank, the representative reviewed my account and agreed I had met all the terms of the offer and should have received the {$600.00} bonus already based on the terms of the offer, but then they claimed they didn't have the ability to escalate/raise this to anyone else for review for me to get the bonus paid out. 

This offer was from a mailer from Citizens Bank sent directly to my house. I have attached images of the mailer, as well as a screenshot from the application process showing the offer code XXXX was attached to my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a longtime Honda customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to American Honda Finance company. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from Planet XXXX, XXXX, NJ salespeople. XXXX  XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another Honda ; said I needed my mom to be a co-signor. This was all said despite, me getting Hondas before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that Honda reports my old stuff, but not my most current stuff! I called American Honda and  got a representative who stated they did not report this new activity, because of my bankruptcy. ( Honda is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : Honda is not part of my bankruptcy plan. Honda is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


Honda claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want Honda to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with Honda is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not Honda 's ). I deserve to have not only Honda, but any other car dealer, rightly see my excellent credit with Honda, as I seek to enter a new lease/car-buying deal!
Product: Credit card

Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.
Product: Debt collection

I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. 

The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. 

I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. 

They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.
Product: Checking or savings account

Since XX/XX/XXXX I have been living and working in XXXX, XXXX. 

In XXXX, I opened a citibank online checking account and had my company ( XXXX XXXX XXXX XXXX ) transfer my salary to said account. 

I also made XXXX large deposits into my Citibank Checking account from XXXX. 

On XX/XX/XXXX I was sent a letter of closure by Citibank saying that they were closing my account. 

At the time of closing the account balance was approximately XXXX $ I have a Signed XXXX XXXX ; a signed Non-disclosure agreement ; and a record of payments from my employer to prove that the transfers weren't fraudulent ; furthermore ; i have a XXXX work visa and other official documents as well. 

With the above documents I attempted to resolve the issue multiple times by calling Citbank 's fraud department but have repeatedly been told by their customer representatives that they have to " disconnect the call '' and they just hang up. 

So, I flew back to XXXX XXXX on XX/XX/XXXX and visited the XXXX Citibank branch on XX/XX/XXXX in order to try and resolve the issue in person. 

The representative attempted to call Citibank 's internal fraud department but could not resolve the issue. 

I was I should take my documentation and keep trying Citibank 's fraud department. So that's what I've done. 

Despite this ; the citibank fraud department STILL repeatedly disconnects my calls instead of attempting to resolve the issue. 

Please let me know how I should proceed
Product: Credit card

I made my payment on my Capital One Venture Card in full on XX/XX/XXXX, the date my payment is due, but Capital One is charging me late fees and interest on a XXXX balance. It is outrageous that Capital One stops at nothing to fleece its own customers. I have been a Venture cardholder for over 6 years and to be continually treated like this is an insult. Capital One needs to be held accountable for its predatory behavior. How can you be charged late fees and interest when you pay your bill in full on the due date?
Product: Credit reporting, credit repair services, or other personal consumer reports

Well everytime i call i cant get the question rite as they say and then they want me to send them a copy of my id and ssi card which i not sending my personal INFORMATION AND THEY SEND PEOPLE THUR THE RINGERABOUT WHAT WE KNOW ABOUT OURSELF THAT WHAT I DONT GET WE KNOW WHST ON OUR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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