23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

see CFPB complaint XXXX XXXX I submitted XX/XX/2020THIS HAS BEEN 30 Days Ago. Why has there been NO RESPONSE TO COMPLAINT USAA PROVIDES ME ** NO ACCESS DUE TO MY XXXX.??? ( Members not XXXX have 24/7 ACCESS ). I HAVE NONE. see detailed account of no access in this complaint. USAA DENIES ME MY CIVIL RIGHTS DISCRIMINATES AGAINST MY AGE AND XXXX WITH NO ACCESS THAT ALL OTHERS ARE PROVIDED. EVERYONE NEEDS ACCESS TO THEIR BANKING! I AM A VICTIM ( XXXX YEAR OLD ) OF ID THEFT WITH NO ACCESS TO REPORT OR PROTECT MY SELF FROM FRAUD AND NO RESOLVE WITH USAA??
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The dispute I have with Experian is pertaining to unfair credit reporting and credit scoring. I been going back and forth with Experian for over 3 months for the following : 1. Not removing Inquiries from my credit on the date of removal stated on my credit report.

2. I paid off all of my credit cards and a vehicle. Experian took 60-90 days to update my report. Before Experian updated my report. I verified with all of my creditors that a XXXX balances was reported to Experian and the other credit reporting agencies. Once Experian updated my credit report my score only moved by 2 points. I called Experian and spoke with a representative about the situation. The Rep from Experian told me that my score only moved up by 2 points because I paid off my debt.

According to Experians website they calculate score based on the following criteria : 1. Payment History - I paid all of my bills on time before paying them off.

2. Length of credit history - All of my accounts are over 2 years old. 

XXXX. Amount Owed - Once my debts were paid off my credit utilization percentage dropped ... Meaning, according to Experian my score should have improved. This is where I believe their is a double standard ... According to Experian a negative Payment history and high utilization percentage lowers a credit score. The Experian rep told me that my score didn't improve because I paid my debts off. By paying my debts off that lowered my utilization percentage which was suppose to improve my credit score according to Experian. In addition, I paid off a vehicle and I have a very good credit history of paying my debts on time. According to Experian, the three above categories ( Amount owed, Length of credit history, and Payment history ) makes up of 80 % of their credit scoring calculation. I performed very well in all three areas and Experian in now saying that hurt my credit more than helping my credit. Their behavior is a clear case of misrepresenting the facts which is a violation of the Fair Credit Reporting Act FCRA. I need your assistance with getting this matter resolved. If you have any questions please contact me at the information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA. XXXX XXXX
Product: Credit reporting, credit repair services, 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. 



XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX 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, 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 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, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH By electronically signing below, I certify that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX. 
TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. XXXX XXXX XXXX is competent to handle such affairs. I'm submitting this AFFIDAVIT OF TRUTH to remove the listed inquiries. I did NOT authorize and formally request that these fraudulent inquiries be immediately deleted from the credit fi le maintained under my SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX 


by XXXX XXXX XXXX dated XXXX
Product: Debt collection

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complaint Summary : I am filing this complaint against Related Companies ( XXXX XXXX ) and their law firm, Kimball , Tirey & St. John LLP, for improper debt collection practices, failure to provide legally required debt validation, and wrongful credit reporting. 
1. Background & Nature of the Dispute I vacated my apartment at XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA ) in XX/XX/year> after management agreed to terminate my lease without penalty due to serious security issues ( including a malfunctioning door lock that was never properly investigated or replaced ). 
I paid a {$1000.00} security deposit upon move-in. Per California Civil Code 1950.5, the landlord was required to return my deposit or provide an itemized breakdown of deductions within 21 days. 
Instead of returning my deposit, they claimed I owed {$6800.00} for excessive and fraudulent repair costscharges that were never disclosed in my move-out procedure and have not been properly validated. 
2. Fraudulent & Inflated Repair Charges The alleged charges include fabricated costs, such as : 16 hours to patch small nail holes 8 hours to remove non-existent mounting brackets 19 hours to sand and prep walls for repainting These charges are not supported by valid invoices, only an inflated XXXX estimate. 
3. Failure to Provide Debt Validation ( FDCPA Violation ) The debt collection firm, Kimball , Tirey & St. John LLP, has failed to provide proper validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). 
I formally disputed the debt in writing and requested : A detailed, itemized statement proving the legitimacy of the charges. 
Proof that the work was actually performed ( not just an estimate ). 
Receipts or evidence of payments made to contractors. 
Instead, they continued collection efforts without validating the debt, which violates federal law. 
4. Wrongful Credit Reporting ( Fair Credit Reporting Act Violation ) Despite my ongoing dispute, Kimball , Tirey & St. John LLP reported the alleged debt to all three major credit bureaus ( XXXX, XXXX, and XXXX ), severely harming my credit. 
This is my only collection account, and its presence is an aberration on my otherwise clean credit history. 
They failed to mark the debt as disputed, violating the Fair Credit Reporting Act ( FCRA ). 
5. Landlords Failure to Return Security Deposit ( California Law Violation ) Under California Civil Code 1950.5, the landlord was required to return my {$1000.00} deposit or provide an itemized breakdown within 21 days. 
They did neither and instead are attempting to collect an inflated debt without crediting my deposit. 
They are acting in bad faith and using debt collection as a retaliatory tactic.
Product: Bank account or service

I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else. 
I need assistance in this fraudulent situation that is ruining my life
Product: Checking or savings account

I am writing to formally file a complaint regarding a violation of the **Equal Credit Opportunity Act ( ECOA ) **, codified at **15 U.S.C. 1691 XXXX XXXX. ** As a customer of CITIBANK, I have encountered discriminatory practices that adversely affect my ability to access online banking services. 

**1. Disparate Treatment in Online Banking Services : ** I have been denied the same online banking options that are available to other customers, including a family member. This constitutes a violation of the ECOA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, XXXX, marital status, age, or because all or part of the applicant 's income derives from any public assistance program. 

**2. Inadequate Customer Service : ** Each time I contact customer service, I am connected to representatives who are not located within the United States and are unable to address my account concerns effectively. This lack of adequate support violates the standards of service expected from financial institutions and further exacerbates the discriminatory treatment I have experienced.

**3. Inefficient Resolution Process : ** Every interaction with customer service results in prolonged chat sessions, often exceeding one hour, without any resolution to my issues. This inefficiency not only wastes my time but also fails to provide the necessary assistance required
under the ECOA.

**Legal Basis : ** The ECOA, enforced by the **Consumer Financial Protection Bureau ( CFPB ) **, mandates that all customers must be treated fairly and equitably. The discriminatory practices I have encountered are in direct violation of the ECOA 's provisions.

**Request for Resolution : ** I request that [ Insert Financial Institution Name ] take imme
diate corrective action to ensure compliance with the ECOA . This includes providing me with the same online banking options as other customers, improving the quality of customer service, and ensuring timely and effective resolution of my concerns. 

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address these issues. 

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

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

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 Account Number : XXXX the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.
Product: Payday loan, title loan, or personal loan

I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me
Product: Debt collection

Received email this morning from Title Max, Inc. Stated that I owed $ XXXX reads that I must pay this amount by end of business day today or set up payment arrangements.If I do not do this, they threaten to start legal proceedings against me, docket number XXXX and inform my employer and credit bureau. They state failure to do these steps will result in the next step, Legal Proceedings. They will start legal action. " Let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. ". I repeat I did not borrow any money with Title Max, Inc ever. There have been threatening phone calls several times a day, including early morning and late in the evening.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX 2022 from Credit Control , LLC for XXXX XXXX XXXX to collect illegal debt from XXXX XXXX from XX/XX/XXXX, XXXX Credit Control , LLC and XXXX are third party debt collectors, third party interlopers. Credit Control , LLC and XXXX are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX Bank v. XXXX XXXX XXXX. 
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organizations Act ( RICO ). 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
3. Criminal Activity of fraud. 
4. Pattern of Criminal I formally request CFPB order the Credit Control , LLC XXXX XXXX XXXX XXXX, the third party debt collectors : 1. To cease all communications with me regards to this debt, or any other debts that these two entities allege I owe. 
2. Not transfer to anyone else. 
3. Any negative remarks made to a credit reference agency should be removed. 
4. Credit Control , LLC XXXX XXXX XXXX XXXX non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you CFPB for your help.
Product: Credit card

XXXX Credit Card Opened account on XX/XX/year>. Was told I could immediately make payment at register to pay balance. I paid the charge with my Debit Card. I then received a statement with the charge, late fee and interest. I called and they opened a ticket. I still keep getting phone calls about paying. I called twice today and was told by the first person that they could not do anything about it since I had an open ticket but they would make sure I didn't receive phone calls until this was resolved. I received another call already this evening. Called in and the person told me I had to send bank statement to them. I asked if I could just go to my local store and she said no. I am not sending my bank statement with my personal information for them to have a copy.
Product: Credit card or prepaid card

I purchased two tickets with XXXX last XXXX to fly on XXXX XXXX but last XXXX I got an email from XXXX telling me that they filed for Bankruptcy so my flight was cancelled and because I purchased before XXXX I wo n't get the money back. So I contacted Citibank to dispute the charges and they removed the charges momentarily but last week Citibank put the charges back even after I sent all the information and letters sent by XXXX and XXXX.
Product: Debt collection

I actually want an investigation done on XXXX as well as lvnv funding LLC for one i don't have. A contract with them so why do they know all my info someone must have leaked or sold gave info about me illegally number 2 is they lvnv contact me through mail phone calls long after I told them to stop bothering me we have no contract as for XXXX they completed an investigation prior and found that lvnv was operating with in the guidelines what? Excuse me? Third party debt no, contract with them hows this ok idenrify theft as well
Product: Credit reporting

XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX equifax XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Product: Credit reporting or other personal consumer reports

Hello, please see my initial complaint against XXXX in the below quotation marks. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because XXXX has still not updated XX/XX/XXXX credit reporting with the credit bureaus ( they sent me a copy of the letter they submitted ), however XXXX is still not updated and now XXXX being erroneously reported delinquent for XX/XX/XXXX as well. Their error in my credit reporting for the past two months has cost my XXXX XXXX to take a major hit. XXXX need to call the credit bureaus in addition to submitting a new letter to include XXXX reporting as well. 

I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via XXXX. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. XXXX sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called XXXX today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXXXXXX, a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, XXXX XXXX  XXXX, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.