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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Reference NY # 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 According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit card or prepaid card

I applied for a Citi ThankYou Premier Card on XX/XX/2018. I knew that Citi Bank in the past discriminated against users having the same card more than once and trying to get the sign up bonus again. I have never had the Citi ThankYou Premier Card before, and after perusing the terms and conditions, I didn't notice anything that would disqualify me from receiving the XXXX points offered for spending {$4000.00} in 3 months. Upon completing the spending requirement, I noticed that I was not receiving the bonus. I was later notified that they inserted a new clause stating that if you have had ANY Citi card that was opened or Closed in the prior 24 months, then I would not be eligible for the bonus with this entirely different card. Since I had previously had the Citi Prestige Card and closed it 1 year before applying for this card, I was deemed ineligible. The only reason I closed the Prestige card is because the bank stripped all of the perks and benefits that made it worth keeping open and it was no longer worth the hefty {$450.00} annual fee attached to it.

My issue with Citi is that there's no precedent for ever declining a credit card bonus to a customer based on the fact that they CLOSED a completely DIFFERENT card within the last two years. XXXX XXXX notifies their customers when they attempt to submit an application, that the user would NOT be eligible for the card 's sign up bonus and asks whether they would still like to proceed.

I felt like Citi 's terms and practices were and are deceptive and they were perfectly happy to run my credit, take commissions from thousands in spend, and then absolve themselves from any wrongdoing. It's not clear from their terms that having a COMPLETELY different card that was closed over a year ago would disqualify me from this separate card 's sign up bonus. I've asked for them to award me the bonus OR at least remove the hard inquiry from my credit report. They sent me a later saying they've done nothing wrong and that their terms are not misleading. I've encountered other individuals who have been victims of this deceptive practice and unfair terms. Can you please help me not only resolve this issue but ensure that credit card companies, starting with Citi, do not take advantage of users with arbitrary and misleading terms and conditions?

Thank you in advance.

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

I have inquiries on my report that I do not recognize and demand for them to be deleted IMMEDIATELY. the inquiries should not be furnished on my consumer report as they are in violation!!!!! 
Per 15 US code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject subsection ( c ) 2 any consumer reporting agency May furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the account XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECIEVED NOTICE FROM CREDIT BUREAUS XXXX ACCOUNT XXXX XXXX XXXX PUT A COLLECTION ON MY XXXX XXXX FOR AN ADDRESS I NEVER LIVED AT I SENT THEM FTC REPORT CLAIMING FRAUD AND SENT POLICE REPORT BESIDE THAT THEY REPORTED A BALANCE OF {$470.00} THEN REQUESTED VALIDATION THEY SENT A BILL THAT I OWE {$890.00} ALL FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX  Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX  Date of Inquiry XX/XX/2021
Product: Debt collection

During credit repair, it was pointed out that I have this account showing up on two credit report, XXXX and XXXX. I do not have any contract with this company and never heard of them. I believe that the credit repair company said this was a medical debt claim, which would then be a violation of HIPPA Laws, as I have NEVER contracted with any medical provider to have anything publicized that I am recieving any medical services or treatments with them or any other company or provider. I also receive XXXX, so I have XXXX, as well as XXXX to cover all medical bills. Each medical provider is notified up front and knows what is eligible and what is not. The insurance carrier that combines those together to be billed is XXXX XXXX XXXX and I have previously contacted them about providers abusing me by billing me when they know they are not permitted to do this. I believe this company may fall into that category.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. Below is the account that I am disputing : XXXX XXXX XXXX XXXX.
Product: Credit card

XX/XX/year>. Someone fraudulently applied for and open a Nordstrom credit card in my name ( with my maiden last name ). This was not me. I'm notified XXXX of the fraud as well as Nordstrom themselves.
Product: Student loan

I received an email stating my loan payments would be starting again, and I noticed I was being charged during this time for interest, which was not supposed to be happening until XX/XX/2022. I have attached my email chain with Nelnet and my current loan details.
Product: Checking or savings account

On XX/XX/2022, money was sent to me, over the pay anyone option that Chime offers. It is supposed to send an SMS link to a phone number, rather then sending to a Chime account, my phone number was used for {$3000.00}. There was a confirmation asking do you want to send to the phone number, but there was NOTHING showing that there was a chime account that it would be sent too. It was not to be sent to a chime account, that's why pay anyone, off chime, was selected. So my phone number did not receive the SMS, someone else 's chime account, who was using my phone number without my knowledge received my payment automatically. I called to dispute this unauthorized payment immediately. To be denied in less then 24 hours. I have sent more then enough evidence to show that this was an unauthorized payment to whoever received it. I attempted a rebuttal, to be denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.
Product: Debt collection

Late XXXX, XXXX I received a collections letter from Kimball , Tirey & St John LLP. This letter only gave an amount owed with no information on the supposed debt, other than the money owed was to XXXX XXXX, a property located in XXXX XXXX, CA. I called the collector for more information and to state that the debt was not mine. I requested a copy of the rental agreement, but was denied, stating that they can not provide evidence in a case against me. In order to dispute the claim they request copies of my drivers license, social security card, utility bills and mortgage statements, to prove I did not live in said property. 
In the first week of XX/XX/2023, I physically visited the office of the debt collector. I was not allowed into the office, but someone met me in the hallway. Again, they refused to provide me any documentation of my file, but he went in and provided me with a generic spreadsheet of monies owed to the property, XXXX XXXX. 
I attempted to contact XXXX XXXX, but the receptionist could not locate my file, I was told a manager would return my call, but this did not happen. 
XX/XX/2023 I followed up on this matter with the collector. I called and again requested a copy of the rental agreement. This person agreed to send it out. 
XX/XX/2023 I received a copy of said rental agreement for XXXX XXXX XXXX, which has no information proving this is a legitimate contract with myself other than my name typed once in the header. There is no actual signature, it is an electronic signature. There is no copy of any identification on the rental agreement. No proof of any rent payments or attempts to collect any past due payments. Furthermore the supposed move-in date is a year prior to the rental agreement. 
According to the rental agreement, the Property Manager is XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And the authorized landlord of the property is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Mortgage

I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.
Product: Checking or savings account

When simple banking was still open and before they hit sold to the XXXX bank I had closed my account and they were supposed to had sent me a cashier 's check for the amount that was in the bank I never received this check I have notified them several times it's been a couple of years to reissue a new check and yet they haven't done it I want the money from the account it was about {$210.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They caused emotional and financial strain by holding my money 5days1 then saying they were gon na hold it 5more posting a positive available balance then taking it putting me negative XXXX closing my account and not giving me my money while I'm at the bank telling me I can check if my funds are there and if the bank will let me come get them No they closed my account withholding {$830.00} either expidite the _XXXX or release the {$1400.00} immediately I'm XXXX  XXXX and the dress they have put on me is enormous
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2023, my client, XXXX XXXX, utilized the XXXX payment platform to transfer {$170.00} from his Bank of America account to my XXXXXXXX XXXX account as payment for services rendered. The provided information for the transaction was accurate. Although I have successfully received both before and after XXXX payments, I have yet to receive this specific payment. While the funds were deducted from my client 's account, they were not credited to mine. I have attached two screenshots containing my XXXX information and transaction details, including the XXXX Transaction number, which should facilitate tracing the transaction. I have contacted my XXXX XXXX  regarding this matter, but they reported no transaction history or pending activity. Additionally, I contacted the Bank of America XXXX support line, but they were unhelpful and advised me to contact my bank, which I had already done. It is crucial that this matter is resolved as all previous XXXX transactions have been instantaneous. Failure to address this issue could lead to the perception that either Bank of America or XXXX has engaged in fraudulent activity. 

XXXX Confirmation # XXXX ;
Product: Credit card

Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.
Product: Mortgage

2020 XXXX applied for modification and was not given offer or agreement in writing. Told advocates assigned were not available and could not get offer in writing and no confirmation only trial payment not in writing of what trial payments were etc. told after trial payments would be offered same rate with 20years added to already 23 = 43 years at my rate which is higher then intrest rate of todays market. On agreed forbearance till XXXX, they then confused me needed agree to deferment for forbearance till XXXX. I XXXX  now trying to straighten out to keep forbearance till XXXX
Product: Debt collection

i received collection letter today XX/XX/year> i requested the company Portfolio Recovery Associates LLC to cease and desist contacting me but they continue to send letters and try to collect a debt i don't owe
Product: Credit reporting or other personal consumer reports

Sent multiple request over the past month to delete inaccurate accounts from my profile and the company has refused to remove the accounts. They did not fully investigate the issue after I informed them my data had been breached. 

Experian has not provided me any evidence of the accounts I have disputed. 

1. I am requesting the company provide what steps they took to actually investigate the accounts to ensure the accuracies of the disputed accounts. 

2. Since you did not delete accounts can you please reinvestigate the accounts. 

3. Send me my full complete file disclosure to listed address.
Product: Credit reporting or other personal consumer reports

ATTENTION EXPERIAN! 
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also noticed that my current address is not being displayed, please add my current address which is XXXX XXXX XXXX XXXX XXXX, CA XXXX, additionally, I also found fraudulent addresses, employers, and inquiries FRAUDULENT AUTO LOANS OR LEASES! 
XXXX XXXX XXXX XXXX Balance : {$29000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$30000.00} Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX Account type : Auto Lease XXXX XXXX Balance : {$30000.00} Balance updated : XXXX XXXX, XXXX Original balance : {$10000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Lease FROUDULENT OTHER ACCAOUNTS! 
XXXX XXXX Balance : {$840.00} Balance updated : XXXX XXXX, XXXX Original balance : {$840.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Cell Phone FRAUDULENT ACCOUNTS! 
XXXX  XXXX XXXX Balance : {$550.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Secured Card FRAUDULENT COLLECTIONS! 
XXXX XXXX XXXX Balance : {$920.00} Balance updated : XX/XX/XXXX Original balance : {$920.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Status : Collection account. {$920.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT EMPLOYERS XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES! 
XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle XXXX.
Product: Debt collection

I have received at least 3 phone calls from Receivable Management XXXX XXXX at ( XXXX ) XXXX, prompt 1, extension XXXX. The agent identifies as XXXX XXXX. The last call was XX/XX/XXXX. 

On XX/XX/XXXX, I received a form letter from The Receivable Management Services LLC stating they are a debt collector. The form letter stated I had a XXXX XXXX account and as of XX/XX/XXXX, I owed {$3900.00}. I have never had any account with XXXX XXXX. This debt is not mine. 

RMS also listed an account number for XXXX XXXX, and a reference number for The Receivable Management Services LLC. The RMS form states I have until XX/XX/XXXX, to dispute the debt, and stop collection on any disputed amount. 

Once again, I have had no dealings with XXXX XXXX and this debt is not mine.