23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted Experian to dispute a company by the name of XXXX. I contacted experian and I disputed the inquiries and the actual debt. Experian removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report Experian maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been applying for XXXX XXXX jobs for the last month. I recieved this email from a listing I applied to on XXXX  : Dear Candidate, We were impressed by your background as a XXXX/XXXX  XXXX  and would like to invite you to interview with us. 
You'll learn more about the position as we get to know you better. Looking forward to your response! 
Regards XXXX XXXX Human Resources Recruiter at XXXX XXXX I then did two interviews with them and was sent this email : Hello XXXX XXXX, Congrats on your new hire, It is my pleasure to extend the following offer of employment to you on behalf of XXXX XXXX ; this letter sets forth the basic of terms and conditions of your employments, please review the term set forth in this letter carefully, and do not hesitate to make enquiries from me where necessary. 
Regards. 
XXXX XXXX HR Manager at XXXX XXXX. 
I then was given a hr rep for training and that is XXXX XXXX and we used XXXX and his id 's for the app are DESKTOP ID : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and PHONE ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filled out work paperwork and emailed them back and then was given money to deposit into my account from their supposed bank. These checks were used to send to their " vendors '' and get gift cards for product that was on the invoice they sent me, which is below : Product XXXX  XXXX Pro ( 16-inch, 16GB RAM, 1TB Storage, 2.3GHz XXXX  XXXX  XXXX  ) XXXX XXXX XXXX Product XXXX XXXX XXXX  XXXX Wireless Monochrome Laser Printer XXXX XXXX XXXX Product XXXX XXXX  XXXX Cross-Cut Commercial Grade Paper Shredder XXXX XXXX XXXX Product XXXX - XXXX  XXXX XXXX Full-Frame Mirrorless 4k Video Camera XXXX XXXX XXXX Product XXXX XXXX XXXX Wireless Headset XXXX XXXX XXXX Discount PROMO CODE : XXXX XXXX XXXX XXXX NOTES : Payment Methods : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX I was told I will get this equipmetn by my start date of XX/XX/XXXX. Today, the checks bounced and now I am -XXXX  in my balance and I am liable for the money. This XXXX XXXX has delted the chat history and the phone number disconnected. I also called XXXX  XXXX ( the bank on the checks ) and they said that they did not send any checks and that it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquired on XX/XX/2019, WF CRD SVC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

Ive asked on several occasions to receive verifiable proof that this debt belongs to me with my original signature with this company based on fair practices according to the FCRA. They have not sent me any verifiable proof but have damaged my credit.
Product: Credit card

The credit card company has been notified of unauthorized charges and they have ignored my many attempts of reaching out for assistance. I have been a victim of identity theft and let them know that and they left a Credit card in my name open aft e being notified of this. There are many charges and they are now reflecting negative on my credit file. Sears has not done anything to resolve this issue
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Personal Information on My Credit ReportName : XXXX XXXX XXXX Social Security Number : [ XXXX ] Dear Experian Dispute Department, This letter serves as formal notice of inaccuracies in the personal information section of my credit report. I am requesting immediate removal and correction of the erroneous information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and any relevant state or federal consumer protection laws. 

The following inaccuracies have been identified and must be addressed : Addresses Listed ( Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hills, MI XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Numbers Listed ( Inaccurate ) : XXXX XXXX ) XXXX ( XXXX ) XXXX Employer Listed ( Inaccurate ) : XXXX XXXX  XXXX XXXX  Names Listed ( Inaccurate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Name : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : None The inaccurate reporting of the above-listed information is causing undue harm to my financial standing, and I am exercising my rights under : Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) Right to dispute inaccurate information Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) Duty to maintain accuracy Consumer Financial Protection Bureau Guidelines To ensure fair and accurate reporting practices Relevant Court Cases : Cushman v. XXXX  Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Reinforces the duty of credit reporting agencies to conduct a thorough and reasonable reinvestigation of disputed information.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Establishes that credit reporting inaccuracies can cause concrete harm, entitling consumers to legal remedies.

Guimond v. XXXX, 45 F.3d 1329 ( 9th Cir. 1995 ) : Confirms that consumers may recover damages under the FCRA for reporting inaccuracies.

Immediate Action Required : I request that Experian : Conduct a thorough reinvestigation of the inaccurate information.

Remove or correct all incorrect addresses, phone numbers, names, and employer information.

Confirm the deletion of the information and provide me with an updated credit report reflecting these corrections.

Please consider this letter formal notice to both principal and agent regarding my intention to pursue arbitration or legal action if these inaccuracies are not resolved within the legally allotted time frame under the FCRA ( 30 days from receipt of dispute ).

Should you require any supporting documentation, please contact me immediately. I expect Experian to comply with all legal obligations and to correct these errors without delay. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance information with credit card account and incorrect credit score is being reported by Equifax. I've tried disputing the incorrect information and even called and spoke with a rep on XX/XX/XXXX. I provided the accurate information to the account in which was not being reported correctly and Equifax has still failed to update information accurately which is hurting my credit score by not given true score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old pay off Student loans All pay off XXXX XXXX loans And Transunion XXXX XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Product: Debt collection

I wrote National Credit System in XXXX disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The company has regularly violated Federal law by conducting background checks that go back farther than XXXX to 10 years. As a result my current background check requested by XXXX has been delayed. I have attached proof of said allegation. I lived in the XXXX XXXX Georgia and Maine in the late XXXX 's and XXXX 's. Also the company just cleared me to work for XXXX in XXXX of XXXX, at which time the report was completed in XXXX business days.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and some things are incomplete and not accurate and according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer repair it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the information concerning the individual about whom the report relate. 

I sent a letter ask them to reinvestigate the accounts listed below : Never file a Bankruptcy Open date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} However, they stated that everything was completed and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I believe that Citi is retaliating against me for my prior CFPB complaints by refusing to move credit from my Diamond Preferred card to my Double Cash card. There is no logical reason for them not to do so, except for retaliation. I called the Citi EO and spoke to XXXX XXXX who has replied to my previous CFPB complaints. She agreed to put in a request to transfer the credit already available from my Diamond Preferred card to my Double Cash. When I was ready to do so, she was unavailable so another EO rep put in the request. They called back several days later to tell me that my request was denied due to debt. This makes no sense because: 1) My credit score is higher now and my credit card debt levels lower than the last time they approved me for a card just a few months ago2) I recently closed a Prestige card with Citi, so their exposure to me is reduced anyway3) They would have no additional risk because I am not asking for an INCREASE in credit, I'm simply asking to move credit 4) They would not be at a financial risk because I am moving credit from the Diamond Preferred (0% APR) to the Double Cash (16% APR)5) They would allow me to switch the card type for the Diamond Preferred to the Double Cash, but not move the credit, so I would still have the same larger limit on a Double Cash card, just not the one with more history, showing this is arbitrary.It is important for me to move the available credit ($XXXX) from my Diamond Preferred to my Double Cash because the Double Cash is older and I don't want to lose the history. I plan to pay off the Diamond Preferred and close it once this small part of its $XXXX limit has been moved. It would harm my credit to have to have to switch the newer Diamond Preferred card to the Double Cash and close the older card with more history. At this time, I am NOT requesting any card be closed.As you can see from above, Citi's rationale is complete nonsense for not moving the credit line. I believe the only possible rationale is retaliation. They know it would harm me to lose the older Double Cash trade line.
Product: Credit card

XX/XX/year> - i noticed a charge on my apple credit card by XXXX XXXX for {$340.00}, this charge was not made by me as i have not been affiliate with XXXX XXXX. 

XX/XX/year> - i tried to call apple about this charge, i was told to contact the merchant directly to ask about the charge. i called the number shown on the charge and it happen to be the area code of XXXX ( XXXX ) so i couldn't understand anything that was said. 

XX/XX/year> - i reached out to apple card specialist to dispute the charge, i was told i am not responsible for any charge that was not made by me so they credited back the amount while they investigate the dispute. 

XX/XX/year> - my dispute of this charge {$340.00} from XXXX XXXX was reversed so i contact apple again and i was told that apple 's investigation found that no billing error occurred and the charge will remains. 

After that i tried to reopen the dispute again for about 3 times and every time apple has always denied my disputed, they still need me to be responsible for the charge that i did not made. 

XX/XX/year> - i tried to dispute again and i request additional information as to why my dispute had been unsuccessful. 
i got the answer from apple specialist said that " the merchant ( XXXX XXXX ) has provided account information and transaction details. the decision may not change '' So i asked them to provide those details from the merchant so i got this evidence in case i need to take legal actions, Apple specialist said that i will receive the evidence to why my dispute has been denied within 10 business days i still have not receive this evidence as of today XX/XX/year>, the charge still remains on my account i have no idea what to do at this point, i felt that it's not right for me to pay for a scammer that might have use my card number without my consent
Product: Credit reporting or other personal consumer reports

Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my TransUnion and XXXX credit report information showing a charged off debt from XXXX XXXX XXXX reported on XXXX XXXX for the amount of {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many request for correct info on my credit reports. My auto loan with XXXX financial was included in XXXX  XXXX and XXXX XX/XX/2022 ... company continues to report payments late after discharge..I am not responsible nor can they collect the debt from this auto loan I will enclose screenshot from there website and also my credit report screenshot..thos account is not open, was discharged XX/XX/XXXX XXXX 've called and spoke to XXXX and was told nothing they can do ..they should not be reporting any payment activity at all
Product: Bank account or service

They closed my account after I sent a payment and thought I had the funds. They honored the payment before they honored the deposit I made to cover the deposit. When they closed it they said I must put in the amount to cover the overdraft line of credit and I did that. After that I accidentally put an extra {$300.00} in the account. I 've asked them XXXX time to return the funds and they have n't. They keep claiming that they are going to review the account tomorrow and then return my funds. They have said this twice now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times with Equifax and they refuse to update to reflect the correct status on my bankruptcy. They are reporting my status as a " discharged  XXXX XXXX XXXX when it is a " Dismissed XXXX XXXX '' I have provided documentation several times, as well as they finally updated my wifes report to correct it. They did not do their diligence in contacting the State of Iowa to confirm, if they did, they would know that is was dismissed and they are reporting it incorrectly.
Product: Debt collection

This complaint is in regards to a debt that has been on all three of my credit reports since XXXX. 

I have sent countless letters to LVNV Funding, LLC c/o Resurgent Capital Services asking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and LVNV Funding c/o Resurgent Capital Services stating a payment contract for repayment. 

This debt was originally held by XXXX XXXX XXXX. The debt was then sold to several different collection agencies over the past few years before being transferred over to LVNV Funding LLC c/o/ Resurgent Capital Services. I have sent correspondence ( via certified mail ) asking this company to provide me with a written and signed contract. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. 

I have sent letters to this company on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Equifax Credit Bureau : Inquiries : 1. XXXX  XXXX XXXX   XXXX 2. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX  XX/XX/ 5. XXXX XX/XX/ I did not authorize anyone employed by these Equifax to make any inquiry and view my credit report.
Product: Checking or savings account

On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.
Product: Credit card or prepaid card

This complaint is against Citibank and their potential unethical practices of authorizing transactions. Basically, my credit was at it's max limit without my knowledge. In the event you hit a limit the card should decline. However, Citibank continued to allow transactions to be approved. The put the card into an over limit status. My minimum payment was supposed to be {$89.00} but they withdrew {$630.00} from my checking account as minimum payment. 

We contacted the CEO of Citibank and the matter was not only not resolved it was flat out disregarded and we were told " too bad ''. To make matters worse Citibank no longer issues paper statements to us so we never knew what the payment would have been beforehand. We are considering this unethical and fraudulent on Citibank 's part and would like it to be resolved.
Product: Debt collection

Chime closed my account and reported it charged off after two late payments. Which it is illegal to do. They reporting no late payments to XXXX  and different information to XXXX  and XXXX. It is illegal to charge off an account after 2 late payments. They are violating my rights I know the laws and they dont want to do anything about it they just keep ignoring my disputes. This is very unfair it is causing a lot of emotional stress and ruining my credit.