23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/2016 I introduced to a student loan consolidation program. The program was said to be apart of the XXXX XXXX XXXX XXXX. I was presented the idea that the consolidation would be income based. Based on my income at the time, I paid {$330.00} Up front then had to continue to pay {$39.00} to equitable acceptance every month as repayment to my existing student loans. As I begin to go through the process of buying a home and gathering info on my student loans, I was informed that my loans have not been consolidated through the company as promised and my XXXX payment was not going towards paying off my loan as promised. In fact there was a line of credit opened instead of a consolidation and Ive been paying on that over the years instead of my student loans.
Product: Credit card or prepaid card

Accordi g to credit report, accoubt was opened XX/XX/2020 for a credit limit of XXXX.
Product: Credit reporting or other personal consumer reports

This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Surprisingly, a few days ago, a collection of XXXX dollars from the company Jefferson Capital Sy u appeared on my credit report. It says that the original is the XXXX company that said company no longer exists, which is why I consider that this collection is a violation of the consumer rights and the fair credit law, I do not recognize this debt, it is also from a company that no longer exists and now they give it to me as a collection in XXXX and it says it is from XXXX, XXXX  years ago and I saw it posted now As a collection, this is a fraud and a lack of respect, so I ask you to investigate this, thank you in advance and sorry for the inconvenience.
Product: Checking or savings account

Responding to a promotion ( Citibank gives you {$700.00} for opening a new account and depositing {$50000.00} into it ), XX/XX/2022 I opened a new checking and savings account online, via the Citibank website, and transferred {$63000.00} and {$2000.00}, respectively, into the new accounts, from accounts I had that were paying little to no interest with XXXX XXXX and XXXX Bank. Fewer than 10 days later, while I was out of the country visiting my family, Citibank closed the accounts ( due to an issue with XXXX, I believe, after visiting a local branch to try to resolve this ). A few days after my return, a check arrived in the mail for the {$2000.00} I had depositied into the newly opened ( and now closed ) savings account -- but nothing for the {$63000.00} I had deposited in the newly opened ( and now closed ) checking account. That was 2 months ago, and I am still waiting ( and calling and worrying ). 

I have had a credit card with Citibank for many years ; that's how I received the promotional offer. And, as indicated above, I have checking and other accounts with XXXX XXXX, XXXX, XXXX XXXX, XXXX and others. I can not immediately understand why Citibank could not confirm my identity -- if indeed that is the reason they quickly closed the accounts and froze my money. 

Over the course of the past many weeks, I have called Citibank multiple times, spoken with multiple people, often given multiple and conflicting explanations. Several times I was assured that a check was " in the mail, '' but no such check ever arrived. I went to my local branch office 3 weeks ago -- and again this past Monday. The young many there was very patient and friendly, and made calls to different people within the corporation. But ultimately he was unable to get any solid answers -- much less my money. 

I have read online about nightmare scenarios similar to mine where people waited 5 or 6 months to finally get their money. I'm hoping someone can help me resolve this sooner than that, but of course before we know it we'll have arrived at the 3 months mark. 

I can not tell you how many nights I have woken up in panic wondering if I will ever get my money back. I have lost weight. I have treated my household members badly. Family members tell me they see how this is on-going ordeal is actually making me physically ill, and now too are worried. How are banks allowed to do this to simple, honest people like me?
Product: Credit card

To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.
Product: Checking or savings account

On XX/XX/year>, I went to the ATM in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the atm had glitched, and i didnt get any money back in return. I had wanted to pulled out {$100.00}. I had talked with someone at said store, and they said they dont own the atm to call XXXX XXXX, I had called them they said i need to call my bank, which is Dave XXXX XXXX XXXX XXXX XXXX XXXX to do a EST Dispute. they did their investigation, and found it to be wrong. Which means, they are saying i did in fact get the money from the atm. they did get me a credit for the XXXX but after they made the choice that i did get the XXXX from the atm, they took the XXXX back and now are charging me XXXX again. I have been in contact with the atm company and my bank, the bank says if i want to reopen the case to email this email, i do and i dont get any respond. the atm company says too keeping calling and fighting it cause its a law to do an EST Dispute. i am at a loss as what to do now. i am owed XXXX there has to cameras all over to see i didnt get any money from the atm. there are XXXX atms at the location, and i used the one that says XXXX XXXX. please help!
Product: Credit card or prepaid card

On XX/XX/2020, american express closed all my credit cards without fair reason. Before closing, i have XXXX membership reward points and XXXX pending points, plus {$100.00} + cashback on my account. 

After closing, they just drained all these points and my cashback. I have already paid about 4x $ 550+ $ 295+ {$95.00} annual fee ( total $ 2600+ ).  After renewing these credit cards and paid all annual fee within less than several month, they cancelled my accounts and my cashback and points. 

This is unfair and really disappointing. I demand the annual fee refunded and give back all my rewards points ( XXXX ) and cashback. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX case Number XXXX, the honorable Judge XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Plaintiff Vs : Defendants : Experian XXXX XXXX I have tirelessly tried to reason with all three credit bureaus to no avail. I must now resort to suing them. 

Please See attached for full summons and complaint as well as leading ( not exhaustive ) supporting documents and arguments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under XXXX XXXX. XXXX XXXX XXXX XXXX you are required to provide me with detailed and verifiable proof of the following : 1. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
3. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor.

4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( XXXX XXXX. XXXX and XXXX ), and I will be forced to take legal action if necessary. 
This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, XXXX, and EQUIFAX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 87 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Product: Credit reporting

I have an account that 's in collections with Equifax that is not mines. 
I never opened this account and it is erroneous. What is my recourse???
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report.These remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX XXXXXX/XX/XXXX
Product: Credit card

Last time I used my Overstock store credit card was 2 years ago for a purchase, then suddenly I got this bill that I owe them something, come to find out that it was a subscription for like a club store which I don't remember signing up, I tried to talk to customer service only to find out that the company is closing that specific credit program altogether but that still I owe them that amount, I tried to talk to them about this charge but I couldn't get a straight answer specially that my account is already closed. My problem is I don't really want to pay the initial amount they are asking because I feel that I haven't used their service. My bigger problem now is that I am receiving additional bill because I haven't paid my previous due which I am trying to resolve but couldn't because I can't get hold of someone to help me. I'm being bounced from XXXX customer service to another just because my account is showing to be closed and that the only way for me to remove this issue is just top pay up whatever they are billing me for.
Product: Credit reporting or other personal consumer reports

I am not reliable for this debt with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I do not have a contract with these collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.
Product: Vehicle loan or lease

Santander Consumer USA on XXXX, XXXX, 2022 repossessed my car without notice or warning. My current address is XXXX XXXX XXXX XXXX. Inside the car was personal information and property that belongs to me. I also have reason to believe with a UCC Lien search that Santander does not have a lien on the property. Therefore Santander consumer USA stole my property without giving notice of any kind to the owner. The public was made known of the ownership of the vehicle. In the event that this was a mistake or misunderstanding, I am making a good faith effort to rightfully reclaim my property. Any items or information compromised due to the negligence of Santander will be repaid and returned to me. I have made several attempts to call and communicate with Santander. Please see Florida statutes 537.012 ( 2 )
Product: Checking or savings account

Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : XX/XX/XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Case Number : XXXX Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the XXXX data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the XXXX data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.