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

I am XXXX XXXX and I'm submitting this complaint myself and there is no 3rd party involved! I obtained my consumer report and I notice there were some unauthorized items reporting. pursuant 15 USC 1681b ( a ) ( 1 ) ( 2 ) under permissible purposes of consumer report : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave you written consent to furnish anything on my report. No consent means you are now committing Identity theft. also under the congressional findings, congress clearly states that consumer reporting agencies MUST exercise their GRAVE responsibilities with a respect for the consumers right to privacy. you are in fact infringing on my RIGHT to privacy. under reasonable procedures, Congress states that consumer reporting agencies shall adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. you are a corporation you can't tell me XXXX XXXX consumer in fact what is Fair, Equitable, and Accurate. you are also in violation pursuant 15 USC 1681a ( 2 ) ( b ) under Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; under 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that means my SSN, State ID is a credit card that was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXX-if not valid or verified properly, delete immediately. 
XXXX- XXXXUnverified Account- delete immediately. 
XXXX XXXX XXXX XXXX-if not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Credit Report XXXX I saw some hard inquiries that did not have Permissible Purpose according to Violation 15USC 1681B I also attach evidence
Product: Checking or savings account

Chase bank recently gave me issues regarding checks I deposited. The issue started when I deposited a {$2000.00} check. They claimed that they could not get a hold of the bank to verify funds so there was an extended hold on it. I called the bank and was able to get a representative right away. The check issuer called the bank while I had Chase on the phone a few days later and they confirmed that they released the funds to Chase Bank so there should not have been a hold. They released the funds then. I consistently deposit church checks in the amount of {$250.00} into my Chase checking account every Sunday and I've never had an issue with them releasing the first {$200.00} with a hold of {$50.00} and they never had an issue with receiving the funds from the bank that the Church banks with. This problem started after the incident with the {$2000.00} check and I feel that this is being done on purpose because of that {$2000.00} check where they had the funds but refused to release them.
Product: Debt collection

I received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please
Product: Credit reporting or other personal consumer reports

According to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), this account should not be ther. Please check this information again and fix it, following 15 USC 1681c-2 inaccurate information must be deleted. " I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

As per your duty, please ensure accurate consumer information is reported. Kindly investigate and update incorrect addresses promptly to prevent potential legal action. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Equifax tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at XXXX
Product: Credit card

I have received XXXX credit card refusals over a 3 month period from Chase Bank for an Amazon.com Visa Signature card. I did not make these requests. I do not believe this is a case of attempted identity theft as all the refusals are coming to my home address which has a secure USPS mailbox with a lock requiring a special key. I do not put personal information on my computer and burn all paperwork that may have personal information on it. I suspect this may be a case of robo filing by Amazon or Chase. This has been negatively affecting my credit score.
Product: Checking or savings account

Citi Bank offered a promotion for opening a accelerate checking account to which the customer would be required to fund the account and hold a certain dollar amount in the account for a pre set period of time. The reward was in the amount of {$450.00}, which we have confirmed multiple times. We opened this account and verified that all requirements were met on multiple occasions and were informer our reward would be applied to our account on XX/XX/2023. On XX/XX/2023 at approx : XXXX XXXX we called Citi as we still have not received our reward. The customer service agent and supervisor ( XXXX employee id XXXX ) stated that we had no promotion added to our account and would not be receiving the reward despite confirming multiple times previously and meeting all of the requirements. Citi has blatantly committed fraud and is stealing from its customers. 

Additionally, it seems this fraud is widespread across multiple customers as you can see in this reddit thread. 

XXXX XXXX XXXXXXXX It seems CITI is no longer honoring their promotions after enticing multiple customers to hold thousands of dollars with them, just to cancel their reward on the date they should receive it. 


Opened internal case - XXXX
Product: Student loan

I have attempted to contact my loan servicer via phone every day for the past two weeks. XXXX, XX/XX/XXXX, I have now been on hold for XXXX hours and XXXX minutes. No one has talked to me. I need a status of my XXXX plan application and payment amount. The website does not provide this information. It says I will receive an email with information on my application every 10 days. The last email I received was on XX/XX/XXXX, nothing since then. How can I resume payments when I have no idea whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem is the Experian incident just reported. Just notified by you that their investigation has been completed although incorrect info is still on report. This is after their being notified by me at least twice with supporting documentation and by the company involved at least once. Since this seemingly lack of serious investigation by this reporting agency can not be unique to my situation and this behavior does impact an individual 's ability to make decisions that are not negativity impacting them, I am going to look into the possibility of initiating a class action suit.
Product: Vehicle loan or lease

This all started by calling Bank of America in order to get my Car Title, at this time it was still financed. I told the agent I was expecting a new baby within a few weeks and needed a copy of my title to register my car in time so I had a car to drive around in. I was told in order to get a copy of my title it would take 8-12 weeks. I told the agent this was not acceptable and as this is my only car. I was then told in order to receive my title within a few weeks even possibly a few days I would have to pay off my entire balance, XXXX. Acting in full reliance of the agent and expressing the necessity of the situation and any other alternatives, I was told this was the only way, so I paid the money. 2 weeks go by and I call them to find out they sent the title to the wrong state and I nor my state has a copy. I am then reassured that even though this is the case I would still receive a paper title in the mail. Another 2 weeks go by before I call again and am told that Bank of America will resolve this and send me what I need to register my car. A week goes by and I am told I should have received something in the mail and if I hadn't it is not Bank of America 's concern since the title has already been sent and I had to wait for the documentation. After calling the state that it allegedly went to they do not have a copy of my title nor does my home state. Bank of America refuses to help me after using dishonest statements to collect a debt ( FDCPA breach ) and has taken barely any steps to address the situation. Further, Bank of America more or less did a " bait and switch '' telling me one a great opportunity to get my title quickly in time so I can take care of my newborn but actually taking my money and leaving me without a title or recourse. This practice caused substantial harm to me as an individual and is likely to cause future substantial injuries to consumers, this harm is not reasonably avoidable since I can not control which state my title goes to, this injury is not offset by other benefits consumers may receive, and it takes unfair advantage of the reasonable reliance expected of a lender to act in the interests of a consumer. This is a UDAAP violation as an unfair practice to collect a debt. I am currently left with no title, no idea where my title is, both my home state and alledged state having no idea where it is. Do not trust this lender, do not trust their collection practices, they will utilize their position to take predatory advantage of their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX  with account numbers XXXX and XXXX, and XXXXXXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

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

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit fileXXXX 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 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
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is the direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681 e ( b ) ) and conducting a proper reinvestigation to remove the errors within they required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

financial: 0% Paid Off, Balance: XXXX XXXX, Updated Balance: XXXX XXXX XXXX  Original Balance: XXXX Account Info: XXXX Open/closed: Open Date Opened: XXXX XXXX XXXX, Account Type: Installment Account.: XXXX Responsibility: Individual Account: Terms: 64 Months, Address: XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX-Ed financial #2; 0% Paid Off, Balance: XXXX, Balanced UpdateXXXX XXXX XXXXXXXX, Original Balance: XXXX  Account Number: XXXX  Open/Closed: Open: Date Opened: XXXX XXXX XXXX: Account Type: Installment Account. Payment Summary: XXXX Status : Paid Or Paying  As Agreed. Status Updated: XXXX XXXX Past Due Amount:: XXXX   Monthly Payment: XXXX: Responsibility: Individual Account: Terms: 64 Months : Contact Info: Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX  Balance Details: 0%  Paid Off: Balance: XXXX, Balanced Updated: XXXX XXXX XXXX Original Balance: XXXX Account Number: XXXX Date Opened XXXX XXXX XXXX XXXX  : Account Type: Open Account. Status Updated: XXXX XXXX Contact Info: XXXX XXXX XXXX: Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on to experian.com to receive my free credit report. Once I got in and had given my personal information it said that in order to get your score you had to give your credit card information but then you could cancel within 7 days and not be charged any further fees. After I entered my information I started getting all sorts of emails trying to get me to pay more. I went in to cancel and there aren't any options to cancel. So I called in and in order to speak with a representative you have to enter your SS # and zip. Then when someone finally answered your call they ask for your name and date of birth. And the representative barely speaks english. It was just XXXX on my part to even sign up. I thought Experian was one of the 3 trusted credit reporting institutions. I'm now really worried about my personal information!
Product: Credit card or prepaid card

Since XXXX of 2018, I have called Capital One to STOP sending me credit card offers. My calls seem to generate more offers. Now from the latest offer, the people just hang up on me after waiting to get into a live person for 20 minutes. I want these to stop. Yes, I'm on the opt-out list!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )