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

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama  stated in the letter provided that they do no report or verify to the credit bureau.
Product: Debt collection

Jared the Galleria of Jewelry ( acct # XXXX ) Case Number XXXX Subject : Request to Cease Unauthorized Use of Personal Information and Corrective Action : To Whom it may Concern I am writing to express my serious concerns regarding the unauthorized use and defamation of Character of my personal information by XXXX XXXX Bank and an entity named XXXX. I have never conducted any business with XXXX, and it has come to my attention that my personal data, including my name, personal and private address, and other sensitive information, has been used and potentially shared without my consent. 
Furthermore, there have been insinuations of theft associated with my information, which is both distressing and unfounded. This unauthorized use and defamation of my personal data is a clear violation of applicable privacy laws and regulations, including the Federal Trade Commission Act ( FTCA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 
As a result, I have suffered defamation of my character, which includes damaging my good reputation and my ability to conduct daily business. This has ultimately caused a scandal, malicious smearing, false reporting, and insults to my reputation. The impact on my ability to work has caused incredible harm and mental anguish, violating my constitutional rights. Additionally, it has severely affected my efforts to start a new business, forcing me to close before I could even get started and obtain loans or grants. 
I have always paid in full for previous purchases, including those at Jareds Jewelry, and have maintained a good payment history. 
I request an immediate investigation into this matter and demand that any unauthorized use of my personal information be ceased immediately. Additionally, I expect a detailed explanation of how my information was accessed and shared, as well as the steps being taken to prevent such occurrences in the future. 
Please confirm receipt of this message and provide a timeline for addressing my concerns. 
Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Product: Credit card

My wife ( XXXX XXXX ) and I have been loyal Citi Members since XXXX and have been happy with the partnership as well as the benefits. We had two seperate Credit Cards with Citi Bank. I am in XXXX XXXX so having 2 seperate Credit Cards is imperative to my business as I have XXXX XXXX XXXX XXXX XXXX that we use each card for. On XX/XX/XXXX I had made an online payment with a " gift card '' in the amount of {$460.00}. There was enough money on the gift card, but I found out that Credit Payments can't be made with a " gift card ''. Once I was notified and realized that the payment was returned, I immediatly made a payment of {$460.00} from my personal bank account on XX/XX/XXXX as well as made a payment on XX/XX/XXXX in the amount of {$1300.00} that processed with no issues/concerns. Citi Bank had immediately closed both accounts unexpectedly, leaving me and my wife without either card to use. As soon as I found out the issue I called Citi Customer Service to explain my situation, but was met with a very rude and at times hostile worker on the other end of the phone while trying to explain my situation. She told me that there was nothing Citi Bank could do as it was reported to the Credit Bureau. 

We have been loyal customers with Citi and have rarely ever been late on a payment for either of the cards we have and well as we have earned travel miles and cash back rewards that I was also told I would not be able to collect. 

After speaking with the customer service representative I wrote a heartfelt and honest explanation of the situation and asked for the opportunity to please have our accounts re-activated. I was willing to make a sizable payment and/or set-up an auto-draft to ensure that a payment would never be missed or returned. 

I still continue to make payments on my Citi card monthly, but this has taken a substantial hit on our credit score as well as being able to apply for other credit cards. This is also causing a financial hardship because we are not able to use credit cards for our business and it is causing us to lose out on getting work done to our personal rental properties, market our business, and have a Credit Card to use for expenditures. 

We are pleading and asking for a second chance and for Citi to please reinstate us as customers and allow us to be able to use our Credit Cards again & allow us to have access to our Credit Card rewards that we have earned so we can continue to keep our business going.
Product: Mortgage

I had requested an escrow balance breakdown and it still shows that the property taxes were paid by the mortgage servicer in spite of the fact that I had made a payment separately for the XXXX tax year. 

So they just add it to my escrow account and increase my payment when in reality I had made a payment separately and they also made a payment making a duplicate payment for the same thing.

Also, the county showed that I was delinquent on the property taxes from the XXXX tax year for one of the installments. The mortgage servicer did not review the information I had sent them showing that I had made that payment, but XXXXXXXX XXXX XXXX XXXX XXXX did not clear it until XX/XX/XXXX. 

Basically, all the taxes had been paid by me separately as I have always done it except for the last tax payment in XX/XX/XXXX which the mortgage servicer had paid it all combined for the XXXX tax year. 

The escrow balance is inaccurate as it should not show a shortage given that I had paid the taxes separately. They need to adjust for duplicate payments. 

Please see attached for the supporting documents. 

Thanks!
Product: Credit card

I have been calling Verve XXXX company since XX/XX/2024 and on that date I spoke with a representative named XXXX who then transferred me to the credit protection program department, well I was told that I would receive the form in my email within XXXX to XXXX hours and I never received the form to use the credit protection program. I then call back on XXXX XXXX and spoke with XXXX and was told he could not help me to call the credit protection department at XXXX which I did still could not get anyone to help me. I called back on XX/XX/2024 and spoke with XXXX and was told that I should receive the form to use the credit protection within XXXX hours which I never received. I called back on XX/XX/2024 and spoke with XXXX and was told that I could not use the credit protection program until I was current on my payment. Now this is the first time someone has told me that I would need to bring the account current before I could use the credit protection that I have been paying for every month since I open the account. And now I am not working and need to use the protection program I can't use it. And now they have turned me into the credit bureaus for a late payment which all this could have been avoided if would have been told that I could not use the credit protection program until the account was current. Now I have a late payment showing up on my credit report when I tried on several occasions to avoid this negative response.
Product: Mortgage

On XX/XX/XXXX, and XX/XX/year> we met with a mortgage representative from Bank of America to find out why they were raising my mortgage payment in the amount of {$460.00} per month. We were informed that there was a shortage of escrow in the amount of appx. {$3500.00}. I reviewed both tax and insurance information for the last 4 years and could find no significant increase that would justify the shortage of escrow. I also called the main mortgage dept. for inquiry into the problem; was on the phone for an hour and through all the conversation, did not receive a satisfactory explanation for the increase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 USC. 1681-2 ( 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: Checking or savings account

I deposited a e-check, XXXX XXXX of XXXX a check from the U.S that was from my taxes into my account it was taking them way to long to verify the check and deposit it into my account, that they sent me emails regarding it would take 5 business days from the deposit date for my check to hit my account I had talked with a live agent through there bank app everyday and they all said the same thing 5 business days which was XX/XX/year> is when my deposit would be posted. I have screenshots of that conversation. They have freezed my account and I can no longer log into my bank account information.
Product: Debt collection

On XX/XX/XXXXat XXXX XXXX  I contacted Pro Collect Inc concerning a debt that reports on my my credit report from XXXX XXXX XXXX. I asked for proof of the debt and I was sent a ledger from Pro Collect. I did not receive a copy of a lease or proof that they were trying to collect a valid amount. They did not send anything with my signature on it to prove that i had a valid debt or contract from XXXX XXXX XXXX. They informed that they sent letters that was never received concerning this account. The ledger is not a signed document to prove that this is my debt nor does it show the valid amounts according to any lease agreement that binds me to this debt. This situation has been going on for over a month and I have still haven't received any follow. The letter that accompanied the ledger stated that their client the OC contends that this is a true and valid debt. This being on my credit report is not only messing up my credit but it is preventing me from receiving credit from potential lenders. I need this information removed from my credit report because it violates my rights and it doesn't show any validity of any debt or any correct amounts. How could I owe {$790.00} For rent, {$670.00} for reletting fees, {$790.00} for termination fees, {$740.00} for damages like trash, cleaning, misc., paint and locks plus rent in the amount of {$790.00} for each month from XX/XX/XXXX to XX/XX/XXXX that's almost {$2400.00} and late fees of {$450.00} totalling {$5800.00} with No such proof. How could I move out in XX/XX/XXXXand owe all of this money before I even moved. Not my debt and this debt is not valid. I am demanding that it be removed because my rights are being violated and demanding a contract with my signature that says I agreed to pay this or a agreement with my valid signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I had an account with the company Klarna ( 4-way pay loans ) that I used on and off in XXXX. I realized that I had been a victim of identity theft, and there was a loan made in my name on my account that I had disputed once I received contact from a debt collection agency ( XXXX  ) regarding the unpaid loan. 

XXXX XXXX and Klarna both determined I was not responsible for the fraudulent loan, and True Accord released the account back to Klarna back in XX/XX/XXXX. It has now been A YEAR, and Klarna continuously refuses to update their systems regardless of the numerous attempts made to contact them regarding this matter so that I may continue to use my Klarna account. 

I was just told by a customer service representative yesterday, XX/XX/XXXX, that my issue was " too old '' to resolve, when that wouldn't have been the case if they had done their jobs efficiently back in XXXX of last year when XXXX released the fraudulent installment account back to them originally. 

To tell me it's " too old '' to resolve is the most disrespectful thing that could've been communicated to me in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  gave me transunion, and then failed to give me  XXXX  or  XXXX .
Product: Checking or savings account

About 2 weeks ago I couldnt access my account using mobile app. When I called the bank I was told im sorry, your account has been CLOSED, remaining balance will be sent out, we can not disclose any information at this time and hung up.

I was schocked. I was upset, because my IRS refund was on its way.

I continued to call and find out then they told me they had received my refund!!! And witholding any access to my funds due to this now so called BLOCK placed by THEM. Without my knowledge. When I go in person, Im
told your account is still OPEN! And we can not dispurse any funds until account is fully closed in 30-60 days. MIND YOU I STILL DONT KNOW WHAT IS GOING ON. This should be ILLEGAL. MY TAX PAYER MONEY STOLEN AND WITHELD BY MY OWN BANK? even if you owe money to a bank it gets closed down and reported to credit bureau CITI BANK IS STEALING MY REFUND NOW
Product: Credit card

I replaced my flooring with XXXX XXXX  and they offered a credit option through Wells Fargo. I was apprehensive at first and had the money at the time to pay in full but the salesperson with an XXXX explained it was no interest for a year and I was instantly approved for XXXX. I figured if I paid it off in a year wed be good. They reported me to the credit bureau and closed my account taking my credit score from XXXX to XXXX in months.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 


XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I applied for a credit increase on my XXXX XXXX XXXX card. I was denied a credit limit increase based on the following reasons by XXXX XXXX that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. XXXX states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. XXXX states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. XXXX states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my XXXX card Balance. 
5. According to Experian my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
XXXX did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall XXXX denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.