23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I originally opened a U.S. Bank Smartly Checking account in XX/XX/year> and used their promotion code " XXXX. '' I confirmed with U.S. Bank that my checking account was, in fact, eligible for this promotion. 

Here are the terms and conditions, which they are NOT choosing to follow : Open a new U.S. Bank Smartly Checking account. 
Within 90 days, enroll in online banking or the U.S. Bank XXXX XXXX. 
Within the same 90 days, make two or more direct deposits totaling the following amounts : {$2000.00} - {$4900.00} : earn {$250.00} {$5000.00} - {$7900.00} : earn {$350.00} $ 8,000+ : earn {$450.00} The bonus will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.

You or any owner ( s ) on your new Smartly Checking account can not have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months, or received any U.S. Bank consumer checking bonus offers within the past 12 months. 
A direct deposit is defined as an electronic deposit of your paycheck made through the Automated Clearing House ( ACH ) network or an electronic deposit of government benefits ( e.g., Social Security ) from your employer or the government. Other electronic deposits or person-to-person payments are not considered direct deposits.

The account must be open and have a positive balance to receive the bonus.

The offer may not be combined with any other checking account bonus offers.

Limit one checking bonus per eligible account. 
The offer is not available through XXXX partnerships or with XXXX Accounts. 
The offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm. 
I have completed all the requirements : I made XXXX direct deposit ACH transfers totaling over {$8000.00} before the XXXX deadline on XX/XX/year>. 
My account had a positive balance at the time the bonus was supposed to be credited. 
According to the terms, I should receive the bonus 60 days following the end of the calendar month during which I completed all the requirements. Based on this timeline, I should have received the payout by the end of XXXX, but I have not. 

U.S. Bank has refused to acknowledge their own terms and conditions, claiming I would receive the bonus sometime in XXXX. They incorrectly state that I must wait 90 days and an additional 60 days for the bonus, which is clearly not what their terms specify.
Product: Credit reporting 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 [ Consumer financial protection bureau ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Disclosure of Personal Information Due to Data Breach and Request for Removal from Credit Report Dear Sir/Madam , I am writing to formally dispute the presence of certain entries on my credit report due to the unauthorized disclosure of my personal information, which I believe occurred as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies have a duty to ensure that the information they report is accurate and that it is obtained in compliance with applicable laws.

My personal information was compromised in a data breach, and as a result, it may have been used or shared without my consent. I did not authorize the use or sharing of my personal information, and I am deeply concerned about the potential misuse that could impact my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies are required to have permissible purposes for obtaining and reporting a consumer 's credit information. The breach and subsequent unauthorized use of my data do not constitute a permissible purpose under the FCRA. Therefore, I request that any entries on my credit report that were a result of this data breach be removed immediately.

Please conduct a thorough investigation and provide me with a detailed response. If you find that my information was used or shared in violation of the FCRA, I expect the erroneous information to be removed from my credit report without delay.

In accordance with 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days. I request that you notify me in writing once the investigation is complete and the appropriate corrections have been made.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. and accoriding to the fiar credit reporting act Whenever a consumer reporting agency prepares a consumer report act follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX # XXXX open date is not reporting correctly, date of last active, date of last payment is not correct, the account is not accuate. 

XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate P & XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate. 

Here is thi tracking # XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Transunion, has refused to accurately do the verification of the method of all this inaccurate information on my credit and they're in violation, of 15 U.S. Code 1681i,15 USC 1681 E, 15 USC 1681 S-2 XXXX days ago and information still on credit and some was removed and put back on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, I have confirmed that these accounts were not authorized by me. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, XXXX, and Equifax to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX XXXX XXXX, 2023 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX, MA XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

MARLETTE funding has responded to CFPB compliant that the inquires that I am disputing were due to me applying for credit 4 times for the 4 inquires through XXXX XXXX and XXXX. I in fact have never applied for credit or a personal loan. MARLETTE funding please provide me documentation of me applying on those dates. 

MARLETTE funding please provide me documentation of the application me giving permissible purpose. If MARLETTE funding can not provide such documentation then MARLETTE funding must delete/ remove inquires off my report. And also a settelement of {$2000.00} for the 4 inquires for the impressible pulls. Or I will sue in federal court for violating FCRA rights and have attorney fees court fees covered by this company. 

I sent in 2 letters through mail and MARLETTE funding hasnt gotten back in my letter through mail. My last letter was sent yesterday regarding the same matter. Still havent received a letter back from MARLETTE funding through mail. If I dont get a letter through mail from MARLETTE funding I will begin the litigation process.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtein credit.
Product: Credit reporting or other personal consumer reports

I was reported to the early warning signs corporation due to an ex girlfriend who was bouncing checks in my name and renting apartments opening up bank accounts with my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report that I ask to be removed but still are not removed.
Product: Credit reporting or other personal consumer reports

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT.
Product: Credit card

Lake Michigan credit union I send in the Remittance coupon with hearings back or a lett
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX 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
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out as the first response was totally unacceptable and direct violation against the The Fair Credit Reporting Act, 15 U.S.C. 1681. As a result of identify theft, I ask that remove the following inquiries from my TransUnion report at once : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX Failure to do so is an illegal act and against of the Fair Credit Reporting act and I will be contacting my state attorney general if this isn't addressed promptly. 

Appreciate your cooperation, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone used my information to apply for different credit accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Theses 6 inquiries appeared on my credit report XX/XX/2024.
Product: Checking or savings account

Citibank has also refused to close my checking account number ending in XXXX which I cancelled and was given a verbal confirmation on Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 01 attached ). In addition, they continue to debit my account for charge-backs ( totaling {$1200.00} ) associated with a company called XXXX , XXXX., although their representatives have stated on Friday XX/XX/2019 ( XXXX ), at approximately XXXX XXXX ( EST, see exhibit 02 attached ), Thursday XX/XX/2019 ( XXXX, # XXXX, at approximately XXXX XXXX ( EST, see exhibit 03 attached ), Thursday XX/XX/2019, and Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), that that merchant was blocked from removing funds from my account per my multiple request. In addition, I received a written confirmation from XXXX that my account with them was deactivated ( per my previous online request ) on Friday XX/XX/2019 ( see exhibit 05 attached ). This account is still open and accruing fees as we speak.

I am currently ( and have been for a week ) not even able to review my account information online as I am seeing a progression icon after logging in ( see exhibit 06 attached ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto Loan opened by XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A Credit Card opened by XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, A Personal Loan opened by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A Loan ( Mobile Phone ) Opened by XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a Personal Loan opened by XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.