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

Ive been trying to purchase a home and purchase a vehicle but my consumer rights have been tremendously violated by several collection companies listed below as well as the 3 major credit bureau ( XXXX, XXXX, and XXXX ). Which have violated federal laws while being knowledgeable of these violations. 

These companies are reporting fraudulent inaccurate information on my credit report. According to 15 USC 1681g, 15 USC 1681 ( a ) ( 4 ) and also 15 USC 1681 there should not be any damages on my report. These companies are all in Violation of my rights and its a defamation of my character. I have requested some creditors to provide the purchase agreement to show full ownership of an account and also any other documents and proof of chain of title. 

XXXX XXXX XXXX Account XXXX XXXX Balance {$430.00} reporting due as XX/XX/2024 They are not the Original creditor The original creditor would be ( XXXX  ). 

XXXX XXXX XXXX Account # XXXX Balance {$420.00} reporting due as of XX/XX/2024 They are not the Original creditor The original creditor would be ( XXXX XXXX XXXX ). 

XXXX XXXX Account # XXXX Balance {$1300.00} reporting due as of XX/XX/XXXX  when the account was charged off XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be also in violation of consumer laws. 

XXXX XXXX Account # XXXX Account is reporting closed and is a violation of my rights. 

XXXX XXXX Account # XXXX Account is reporting open when it shouldnt be which is in violation. 

XXXX XXXX XXXX XXXX Account # XXXX Balance of ( {$4700.00} ) is reporting due when this account was charged off at ( {$8800.00} ) and written off at ( {$4700.00} ). 1099-C Identifiable Event Code Event code 7 ( states a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel debt ).
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN and XXXX are credit reporting agencies, and I am the Consumer. " There is a grave need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the rights of the consumers privacy. '' -Fair credit Reporting Act 15 USC 1681 sec 602. XXXX, EXPERIAN and XXXX are all reporting inaccurate information as well as, scoring. 15 USC 6801 " it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of the consumers 'nonpublic personal information. ' These inaccuracies are being furnished by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, EXPERIAN and XXXX are all obligated by the FCRA to report accurate accounting. consumer has been advised ALL the inquiries reported were fraud. said companies had 4 days according to LAW to remove such items.15 USC 1681 sec 604 " In general Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, EXPERIAN and XXXX. DO NOT have my written consent to furnish any information. Any and All consent to XXXX, EXPERIAN and XXXX along with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. whether verbal or nonverbal, written or implied or otherwise REVOKED.FTC fraud report has been filed on behalf of the consumer. Consumer is now requesting XXXX, EXPERIAN and XXXX to each provide the documentation used to determine inquiry was indeed authorized by the consumer.15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic information to a nonaffiliated third party-unless the consumer can exercise a nondisclosure option. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. XXXX, EXPERIAN and XXXX have 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature used to determine inquiry was indeed authorized by the consumer. XXXX is NOT asking for an E-Oscar report. If XXXX, EXPERIAN and XXXX do not have documentation showing in fact these were authorized it must be removed asap. 15 USC 1681e " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 ( c ). SAID companies are liable under the Securities Exchange Act to follow certain rules. Within 14 days i will be filing form 211 treasury omb forms to audit consumers accounts. XXXX XXXX file # XXXX EXPERIAN XXXX XXXX XXXX XXXX and XXXX XXXX file XXXX XXXX. XXXX, EXPERIAN and XXXX are securitizing consumers data yet refuse to provide the consumer copy of their CONSUMER FILE NOT CONSUMER REPORT. Also XXXX XXXX XXXX " A consumer may exercise the right to OPT-OUT at any time. '' I AM OPTING OUT AND REVOKING ALL PAST PERMISSIONS of your reporting services. As well as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX is reporting on my criminal background that I was convicted of a felony in XXXX. When in fact I went to court for a probation violation and the disposition was my probation violation. 

I contacted them and left a message.
Product: Credit reporting or other personal consumer reports

In reference to previous complaint XXXX, Equifax is still stating that they verified the duplicate XXXX XXXX XXXX collection accounts as accurate. Their response was that both have been verified. I do not have duplicate XXXX XXXX. collection accounts on XXXX or XXXX. I have tried for months to get Equifax to remove the duplicate. Now I see that the CFPB posted this on XX/XX/year> : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors I am definitely a victim of Equifax 's improper investigations of credit reporting errors. I want Equifax to immediately remove the duplicate XXXX XXXX. XXXX account off of my report. I am extremely livid at Equifax for blatantly violating my right to a fair and accurate credit report.
Product: Debt collection

I received a written debt collection of {$32.00}, I don't know what this is for.
Product: Payday loan, title loan, personal loan, or advance loan

I Brought my loan current and was told that a defferment will be for the month of XX/XX/2024 payment and was reported late on my credit reports with all credit bureaus! 

I paid Mariner {$940.00} on XX/XX/XXXX, {$190.00}. On XX/XX/2024 I paid {$750.00} dollars and agreed to a defferal payment agreement for the mont of XX/XX/2024 that will bring my loan as current! Nevertheless they refuse to honor a signed agreement for the defferal in whiched I was chaged {$14.00} on XX/XX/2024. 

I filed a complaint with Mariner Customer Support Office on XX/XX/2024 in XXXX, Maryland and was advised that someone will contat me. On XXXX, 2024 XXXX XXXX XXXX, I spoke with the branch manager - XXXX who refused to honor the signed agreement and also refuse to remove the lateness for XX/XX/2024 off my credit reports moving forward since I'm Currently being reported as current with all reporting credit agencies!!!
Product: Bank account or service

I opened a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

Re : Request for Debt Validation I am writing regarding the debt referenced above, which your agency has contacted me about. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt. Specifically, I require that you provide the following information and documentation to substantiate your claim : Validation of the Debt : A detailed accounting of the alleged debt, including the original balance, all interest and fees applied, and the basis for such fees and charges. Original Creditor Information : The name and contact information of the original creditor, as well as evidence showing that I owe the debt to the original creditor. Chain of Assignments : A complete chain of title, including copies of all assignments, transfers, or other documents evidencing your authority to collect this debt. This includes agreements or contracts between the original creditor and any intermediary parties, as well as between those intermediaries and your agency. Proof of Ownership : Copies of any agreement I signed that evidences my responsibility for this debt, along with proof that the debt has not been satisfied, settled, or otherwise discharged. Validation of Compliance : Evidence that your agency is licensed and authorized to collect debts in Texas and complies with all applicable state and federal laws. Until this information is provided, please consider this debt disputed and cease all collection efforts, including reporting this debt to any credit reporting agencies, as required under the FDCPA. Reporting disputed debts without verifying their accuracy constitutes a violation of the law. Furthermore, any future contact regarding this matter must be directed to me in writing. I do not wish to be contacted by your agency via phone, mail, or any other means until the debt is properly validated. Failure to provide the requested documentation within a reasonable timeframe may result in further legal action, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office of Texas. Please confirm receipt of this letter and provide the requested documentation within 30 days of your receipt of this notice. Thank you for your prompt attention to this matter. Sincerely,
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions is reporting inaccurate information on my consumer credit report and I have requested EVIDENCE AND VALIDATION of documents of the alleged debts. 

Reinvestigation is required as EXPERIAN INFORMATION XXXX did not provide documents under 15 U.S Code 1681 ( i ). 

If EXPERIAN INFORMATION SOLUTIONS continues to report inaccurate information on my consumer credit report that is not proven and VERIFICATION OF THE DOCUMENTS OF THE ALLEGED DEBTS can not be provided, as a written notice of the requested evidence. 

EXPERIAN INFORMATION SOLUTIONS, must under 15 U.S Code 1681 ( i ) 5 ( A ), promptly delete the item/s from the consumer, XXXX XXXX credit reporting file.
Product: Consumer Loan

I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this
Product: Debt collection

Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX  states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
Product: Checking or savings account

My bank account was the target of fraudsters who tried cashing multiple bogus checks on XX/XX/XXXX, in the amount of {$1000.00}, {$3800.00} and {$3200.00}. I immediately noticed the fake transactions and contacted the bank in person. The bank reversed all the checks and blocked a number of other fraudulent transaction attempts. They opened a new account for me. 
After XXXX weeks, the new account was also targeted, indicating that my entire online bank account was compromised. On XX/XX/XXXX, a check was written and cashed from my bank account in the amount of {$3900.00}. I noticed the fraudulent check on XX/XX/XXXX and contacted BMO by phone and email, as I was out of the country, informing them of the fraudulent check. However, they allowed the check to post, even when the check was obviously forged, as it did not even have the correct name on it where my company name was supposed to be, and Only on the XXXX did they submit a dispute to the check. They are also telling me that I XXXX not be refunded for the check, and if I am, it can take 6 months. I notified the bank in a very timely manner of this fake check, within XXXX hours of it being written, and I desperately need my {$3900.00}. The bank is being retaliatory and spiteful because I was a victim of fraud due to their poor security measures they have in place. I want my money returned and the check refunded immediately, as I am entitled to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to My XXXX XXXX XXXX XXXX. 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.
Product: Debt collection

I received an email ( attached ) from this company. I have no idea who this company is, nor have I ever done business with them. They are using these emails in an attempt to either phish or advertise.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting

I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Vehicle loan or lease

My car was a total lost do to a drunk driver. I had gap insurance which covered the lost. I called the gap insurer and they stayed based on the information they had I should get a refund. I spoke with a customer service representative at Ally financial..he first told me he saw few late fees but could not go into detail about the account because another department was handling the total lost. I spoke to a rep in the total lost department but they told me I would have to speak back to customer service about the fees and late charges. Ally says I owe them XXXX. I should be getting a refund but they made up some fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm up for a new job promotion my credit was ran and came back with information I have a police report for that is not mine showing. I need to get the matter corrected with this place I never heard before before I lose my promotion