23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This letter concerns the response received from Citibank dated XX/XX/XXXX regarding the security/bond with the attached coupon/statement, properly endorsed, stamped and signed, held by XXXX XXXX/PRINCIPAL. The instrument bears a restrictive endorsement, rendering it non-negotiable and payable solely to the benefit of the principal. I am writing to formally dispute the recent decrease in my credit limit and subsequent closure of my credit card account, effective immediately. This action not only violates established consumer protection laws but also contradicts your own disclosures, causing significant harm to my credit score and financial well being. Violations of Credit Card Act and Citibank Prospectus : 1. 45 Day Notice : Your action directly contravenes the Credit Card Act and your own prospectus, which explicitly require a 45 day written notice prior to any adverse action, including credit limit reductions and account closures. I didn't receive such notice, violating my rights and rendering your action invalid. 2. Cancelation Right : As per the Credit Card Act, I have the right to cancel my account in its entirety before the changes take effect if I disagree with them. You denied me this right by abruptly closing the account without prior notice. Violation of Securities Laws : 1. Asset Backed Security : My credit card account constitutes an asset backed security as defined by 260.1 1b-6 and Section 311 ( b ) ( 6 ) of the Securities Exchange Act of 1934. As an investor in this security, I hold obligations issued by the issuing entity, entitling me to specific rights and protections. 2. Dodd Frank Wall Street Reform and Consumer Protection Act : Section 941 ( b ) of the act further grants me, as the credit card applicant and originator, specific consumer protection rights in relation to this account. The closure of my account without due process and transparency directly violates these rights. Also, according to the Equal Credit Opportunity Act, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Citibank is also in violation of 15 USC 1642, 15 USC 1681, and 12 CFR 1002 because I, the consumer, made an application in good faith and I have received no benefit. It appears my asset ( credit application/contract ) is being traded on the secondary market utilizing cusip number XXXX. Where is the benefit to me as a silent investor?
Product: Credit card or prepaid card

Chase Bank Fraud Department, XXXX. XXXX XXXX, XXXX, DE XXXX was notified about my identity theft in writing. The notification had also FTC Affidavit and printed materials from the Federal Trade Commission guidelines what are the responsibilities of the furnisher under the law. However, they refuse to comply with the law, and knowingly they still continue reporting the fraudulent account to the Credit Bureaus.
Product: Debt collection

I was reviewing my credit and I realize I had damages on my credit report with inaccurate information. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Product: Credit card

I keep getting mail from American Express, specifically to sign up for their credit card. 

I do not have, nor will I ever sign up for an American Express card or bank account.

Over the past 1.5 years maybe 2 years Ive been calling American Express to ask them to stop sending me mail. It stops for about a month and then they start again. 

Can you please get them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX-XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX  
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )
Product: Credit card or prepaid card

I stayed at the XXXX hotel in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2019 where I was there to interview for the company. I paid for a hotel room and filled out an application for employment both electronically and in person. I was denied the interview for employment for a good paying job at $ XXXX hourly wage. Then there was no follow up for the reason why it occurred. Please note : follow up with me in person because I have a state issued identification along with my social security card.
Product: Debt collection

The XXXX 's visit in question and billed for {$490.00}, on XXXX/XXXX/XXXX, was to have been paid by an agreed third party corporate concern. A statement to that effect was hand written by the patient on the medical intake form the day of the visit and the same was done on all subsequent intake forms and visits by the patient. Had this not been the agreement the patient would have refused the service or XXXX XXXX would not have preformed the procedure. This was a referral by the XXXX XXXX of the patient in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

The dispute is over a {$610.00} charge on XX/XX/2018. The charge should not be on my account because I had received an email from Chase on XX/XX/2018 stating that the charge is declined and that my account will not be charged unless I attempt the transaction again. As a result of the email assuring me the charge was declined, I did not take any actions with the merchant. I did not attempt the transaction again so the fact that it later posted on my account is an indication of an unauthorized charge. The merchant has a 4hr cancellation policy and so when I found out Chase did not in fact decline the charge as Chase said it did, it was already too late for me to cancel the charge with the merchant. 

I have disputed this charge with Chase and provided Chase with the email evidencing the fact that this {$610.00} charge had already been declined by the Chase and thus should not be on my account considering I did not attempt the transaction again. Despite evidence of my not authorizing this charge, Chase refused to credit this amount back to my account. Chase decided to validate this charge and disregard the fact that the XX/XX/2018 email it had sent to me clearly assured me that the charge was declined and that I would not be charged unless I attempt the transaction again. Chase misrepresented the fact that it had declined the {$610.00} charge and as a result, I am now held responsible for a charge that could have been canceled in time had Chase not misled me into believing that the charge had already been canceled.
Product: Payday loan, title loan, or personal loan

I took out a title loan in XX/XX/2019 due to being unemployed and in a financial hardship. I was making payments on time and up until XX/XX/2019 when XXXX, a regional manager took it upon himself to play collection agent. It was Saturday morning, around XXXX XXXX when he called me from a Texas area code mobile phone. He never asked for any account information, never attempted to verify who answered the phone and proceeded to demand I make a payment that day before XXXX XXXX. This is why I have taken action due his demeanor and actions as a threat with intent since I feel the legal biding contract has been violated due to his actions. I did make payment on XX/XX/2019 and was told he was actually sitting in the office calling all clients and demanding payments by manager and employees who work there. I was told XXXX was demanding payments to make up over a bad months and collections were down. I became a victim this day due his bad choices. I reached out to customer service and waited over 10+ days for a response. I called and called and go the run around. I worked with XXXX and XXXX at the local office where loan was taken. They fear their jobs are at risk due to XXXX. I then got a call from XXXX, he is over XXXX and he assured me this would be dealt with and addressed, asked for week to 10 days to review files and would work with me to resolve or reduce loan fees for XXXX ' actions on XX/XX/2019. I have made a payment since on XX/XX/2019 and not heard a word from Title Max since. No letter, no phone calls, and feel as if they seem to think nothing is wrong with the actions they took and how a client is left to deal with their unprofessional actions. I want my title back and they need to be fined for this violation.
Product: Checking or savings account

I deposited by paycheck in person to a Bank of America XXXX on Friday the XXXX around XXXX I was told by the teller the funds should be ready by the next day. At two in the morning I received an email from Bank of America stating they were holding my check, no funds available until XX/XX/XXXX. I have a photo copy of said email.
Product: Debt collection

Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.
Product: Debt collection

I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. 
There are XXXX neg reports from this Hospital, however I have never entered this medical facitly
Product: Debt collection

XXXX XXXX has hired Stenger & Stenger to collect an old debt from me. I was served with a civil warrant on XX/XX/XXXX with a court date set for XX/XX/XXXX and the warrant was created on XX/XX/2018. I was served 11 days before the court date and my options when I called were ( 1 ) to pay the whole amount of {$520.00}, ( 2 ) pay in installments with a 40 % increase to the amount ( " {$210.00} for costs of suit '' ), ( 3 ) go to court. It's my opinion that 11 days was not enough time to come up with the funds. Seems like they are trying to get more money from me with the sense of urgency as I can not just come up with the full amount in 6 business days and don't want to go to court. I told them I had no other choice and would do the instalments. When I received the instalment contract 2 weeks later in the mail, I was surprised to learn that there was going to be 7 % interest on the payoff amount, which was not disclosed to me in the initial conversation. I called the court to find out any other information and they said there was not a suit filed. I called Stenger & Stenger back to ask about the interest and to see if there was a way to waive the " costs of suit '' fee as there was not a suit filed. The response I received was " These terms have been set by the court '' and they would not discuss it further. The account was closed over 8 years ago. Is there not a time limit to collect on accounts like this?
Product: Checking or savings account

My account was compromised on XX/XX/XXXX the Bank ( US Bank ) tried not to refund the money taken from my account and froze my accounts. My direct deposit was allowed to go in but I was not allowed to use any of that money therefore my bills were not being paid. I do not use credit cards so I had no other means to pay for things. The Bank was not cooperative and was rude and unsympathetic - I live thousands of miles from family so I had no one to turn to. I have since switched to XXXX XXXX but as of XX/XX/XXXX still can not withdraw my funds from US Bank
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the unauthorized and unlawful reporting of revolving balances, installment loans, and mortgage information by multiple furnishers across all three major credit reporting agencies Experian, XXXX, and XXXX. 

The accounts in question are listed below : Revolving Credit Lines ( Reported by All XXXX Bureaus ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage AccounXXXX XXXX XXXX XXXX  The information reported consists solely of transactions and experiences between myself and the creditors, and thus is excluded from the definition of a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). As such, these balances and related data should not be reported to or by any consumer reporting agency.

Furthermore, I did not authorize the reporting of this internal transactional data using my personal consumer file or Social Security number. The use of my SSN to transmit this excluded information to third-party reporting agencies constitutes a violation of the permissible purpose requirements under 15 U.S.C. 1681b.

I am therefore requesting : The immediate deletion of all revolving balances, installment loan balances, and mortgage reporting listed above from all three bureaus Experian, TransUnion, and Equifax. 

A full investigation and documentation of how this excluded information was furnished using my identity, without proper authorization. 

I reserve all rights under the FCRA to pursue further action if these unauthorized and unlawful data furnishings are not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) ; I'M NOT LIABLE. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting  my credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my  credit score to  be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX CO Account Number XXXX XXXX has violated my rights. Or a list of Inquiries : XXXX 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 or 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: Student loan

Was paying XXXX and Navient $ XXXX+ faithfully every month. I went through a financial hardship and called in several times to see if I could get the monthly amount decreased. XXXX and Navient told me that they could not grant that request and that I would have needed to reach out to another financial institution such as my bank to see if they could possibly refinance it with a lower interest rate.
Product: Credit reporting or other personal consumer reports

I want to dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report, I noticed that there are credit inquiries listed that I did not authorize. These unauthorized inquiries may be affecting my credit score, and I would like to request an investigation into their validity.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to TransUnion, XXXX, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.
Product: Checking or savings account

I initially contacted XXXX XXXX  on XX/XX/2021, after I learned that my tax return was sent to a Cash App account. I sent correspondence to XXXX XXXX and she told me that she would send the copy of the fraudulent check to the fraud department and they would freeze the funds until they heard from the IRS. On XX/XX/2021, I was told by a taxpayer advocate that the money was not returned from XXXX XXXX  because there was {$2.00} in the account by the time the trace arrived. 

I am asking you to investigate and reach out to both XXXX XXXX  and Cash App. I am providing correspondence from both entities to assist with your search efforts.