23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to finance a car so I have 4 recent inquiries, I downloaded my transunion report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX  XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Wf/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 or other personal consumer reports

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this entry is unauthorized.

The following account must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle handling my disputes. In particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Deposited using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The generally accepted accounting principles ( GAAP ) are a set of accounting rules, standards, and procedures issued and frequently revised by the Financial Accounting Standards Board ( FASB ) and the Governmental Accounting Standards Board ( GASB ).

There are five steps needed to satisfy the updated revenue recognition principle : The five steps needed to satisfy the updated revenue recognition principle are : ( 1 ) identify the contract with the customer ; ( 2 ) identify contractual performance obligations ; ( 3 ) determine the amount of consideration/price for the transaction ; ( 4 ) allocate the determined amount of consideration/price to the contractual obligations ; and ( 5 ) recognize revenue when the performing party satisfies the performance obligation.

3 Association of International Certified Professional Accountants. " Financial Reporting Brief : Roadmap to Understanding the New Revenue Recognition Standards. '' Page 2.GAAP is also utilized by government entities. All 50 states follow GAAP, and many local entities, such as counties, cities, towns, and school districts, must adhere to these principles.

3 Financial Accounting Foundation. " GAAP and State and Local Governments. " If a corporation 's stock is publicly traded, its financial statements must follow rules set by the U.S. Securities and Exchange Commission ( SEC ). The SEC mandates that publicly traded companies in the U.S. file GAAP-compliant financial statements regularly to maintain their public listing on stock exchanges.

4 U.S. Securities and Exchange Commission. " Regulation S-K. '' The ordinal creditor did not send a form 1099-C, for Cancellation of Debt showing the amount canceled and date of cancellation for IRS tax purposes. 

There are legal violations with my case that was presented during the hearing and the paperwork that was provided from the attorney in my case. I requested information that I never received and the trail was unlawful. I was never provided the legal contract agreement with this company or any financial accounting recorded.
Product: Credit card or prepaid card

Credit Card Company Has Recently been asking for my Full Date of Birth ... .. No Other Cards Do This ... When I try & get info. on my account ... I explained.. my concern.. was told, I should go online to check my acct.. info ... or give Date of Birth .. Asked for Manager.. was Disconnected .. 

Called back.. was told " Even a Manager Will Ask for Date of Birth '' ... This seems Like Too much info ... 
last 4 social address phone credit card # Never Asked for DOB .... Can u explain if they are in violation.. of my privacy rights ... 

AVANT credit card ... 

XXXX XXXX Thank You
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the requiredXX/XX/XXXX-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the XXXX-day notice requirement, not my negligence.
Product: Credit card or prepaid card

I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. 

I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. 

I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. 

During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. 

I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Oct 30, 2019 and the subsequent response received on Apr 18, 2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and Transunion initially blocked those two accounts, but they re-appeared months later.
Product: Credit card

I filed a complaint in regards to a fraudulent inquiry on my Equifax credit report from XXXX that was dated XXXX XXXX, 2016. I was informed XXXX XXXX, 2016 by XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX from Discover that she would forward a letter for Equifax to remove the fraudulent inquiry. Well, as of today, XXXX, it still has n't been deleted from my credit report. I contacted Equifax and they would not remove. I have attached the letter that was forwarded from XXXX XXXX in regard to removing the fraudulent inquiry. 
I am asking XXXX XXXX to please contact Equifax to have it immediately removed. It is unfair to me to have an inquiry on my credit report in which I did not initiate.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to file a dispute. The reported information to XXXX and Equifax was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that Equifax investigate the XXXX XXXX ( account number:XXXX  ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/XXXX. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA
Product: Debt collection

A Walmart account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX XXXX parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX  days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _tbom Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount___ $ XXXX Account Name_US BANKRUPTCY_________________________ Date XXXX Account XXXX Reason for dispute__UNVERIFIED NOT MINE________________________________ Account Amount______________________________ Account Name_XXXX XXXX________________________________ Date XXXX Account XXXX Reason for dispute_IDENTITY XXXX Account Amount__ $ XXXX Account XXXX  Date XXXX _____________________________________ Account XXXX Reason for dispute_IDENTITY XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

First of all, i've been experiancing inaccuracies on my XXXX and transunion XXXX XXXX is not following the guildlines from the fair credit reporting act ... XXXX is allowing a late payment on my report due to regions bank errors and regions not followering procedures under the fair credit reporting acts... IT STIPULATE, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR, WHICH IS REGIONS BANK MAILED OUT TO CUSTOMER PROOF THAT THEY MAILED A LETTER OR STATEMENT 21 DAYS BEFORE THE PAYMENT WAS DUE, .. ( SECTION 1637 ( B ) 15 US CODE 1666B..THIS BANK AND XXXX IS BLATANTLY IGNORING THESE LAWS... I'VE EMAILED DOCUMENTATION TO SHOW THAT I WAS A VICTIM OF IDENITY THEFT WHICH STARTED THIS FIASCO, REGIONS BANK SAID IN XXXX OF THEIR RESPONSE, THAT I WAS NOT A VICTIM OF IDENITY THEFT NOR WERE THEY AWARE OF XXXX AND XXXX FRAUDULENTLY TOOK {$590.00} XXXX MY XXXX ACCOUNT ... THEY LIED ... .I EMAILED THE POLICE REPORT AND DOCUMENTATION TO PROVE THAT THIS IS WHAT TOOK PLACE AND THIS IS WHY MY LINE OF CREDIT WAS LATE BECAUSE THE BANK TELLER DID NOT ATTACHED MY LINE OF CREDIT TO MY NEW ACCOUNT AFTER THE FRAUD TOOK PLACE AT REGIONS BANK AGAIN ... IM PROVING THAT THS BANK OR WHOEVER IS RESPONDING TO MY CLAIMS ARE NOT REPUTABLE, MY INFORMATION THAT I SENT WILL PROVE THAT...
Product: Checking or savings account

I opened a XXXX Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a XXXX XXXX checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a XXXX savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
XXXX. Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # XXXX ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. 

I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.
Product: Checking or savings account

I have been trying to call CapitalOne in order to dispute a transaction made on my CapitalOne checking account. I keep calling the number, waiting on hold for upwards of 30 minutes and then the call disconnects. Sometimes at the beginning of the call, I do the " Press 1 to receive a call back '' but nothing happens and it sends me to the hold music anyway. 

In the " Report a Problem '' feature in the app and online, the only contact information provided is the phone number ( XXXX ) but no one ever answers. This is an online-only account with no physical branches ( at least near me ) and the only contact information I have leads to long hold times and a disconnected call. I am at a loss for how to communicate with someone to report my disputed transaction. I would think that a Bank with no physical locations would be more diligent about being accessible via phone or at least an online chat feature. Being unable to reach anyone about my bank account is really frustrating and worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been trying to get this account removed from my Transunion report and they will not remove it. It has been reported as fraud. I have sent the FTC report along with a police report, but they refuse to remove it. It is from XXXX XXXX XX/XX/2018 for {$3000.00}. I don't know what else to do except get a lawyer!!
Product: Mortgage

Citibank 's Distressed Loan Department advised me to hold off seeking a loan modification for my second mortgage until my first mortgage holder ( XXXX XXXX ) had granted my modification request. Despite regular communications with Citi personnel, my loan was recently " written off '' with no warning, and turned over for collection to XXXX XXXX, which I am now being told prevents me from seeking a loan modification. I seek the reinstatement of my Citi loan so that I can file and complete the modification process.
Product: Debt collection

They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through XXXX, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the XXXX, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.