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

To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term 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. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information.

I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Fraudulent reporting by a company called XXXX XXXX on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.
Product: Debt collection

None of the drop down options explain my problem. There is a collection account on my XXXX credit report. I have asked for written verification of the debt and have not received it. Also, they are reporting on my credit for XX/XX/2017 the same month I received a letter from a different company about the same debt. Neither company have provident written verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account late payments since XX/XX/XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. Santander Consumer is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  santander late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XX/XX/ I reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation
Product: Money transfer, virtual currency, or money service

Wells Fargo who was ordered to repay customers they deceived by adding private insurance into loans they gave out. Sent me a letter last week asking me to cash a check they said they sent XX/XX/2020. All attempts to let this company know they never sent a check have resulted in excuses after excuses on why they haven't and can't send another repayment. 
I was a Wells Fargo loanee that was one of the many customers they deceived. 
How do I get Wells Fargo to stop playing around and fix their mistake that they were ordered to fix by a Federal judge? 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, my debit card was overcharged by XXXX XXXX XXXX XXXX at a gun show. At the time of sale ( XX/XX/2019), the vendor verbally informed me that the total was {$40.00}, then had me sign a signature pad that did NOT display the total information. I was also asked to write down my address on a piece of paper on a clipboard. However, after the transaction, the vendor did NOT provide me with a receipt. When I went home, instead of a charge for {$40.00} for the muzzle break I brought home, XXXX XXXX XXXX XXXX had charged my account {$560.00}. I immediately went online to try to find contact information for the vendor, but I could not find a website, email or phone number anywhere. I contacted my bank and they gave me a temporary credit for the purchase and initiated an investigation. On XX/XX/19, I received a letter from my bank explaining that the vendor sent my bank a receipt. The receipt shows the total as {$560.00} for a " NonInventory Item '' and my signature beneath it. I never signed any document for this amount, only the blank signature pad. My bank has accepted this fraudulent receipt and is going to reverse the temporary credit they issued me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these accounts multiple times and they are still illegally being furnished on my credit report. XXXX even removed an account THEN put it back on my report with absolutely no explanation.
Product: Money transfer, virtual currency, or money service

When I first saw the app XXXX through Bank of America I was unaware of the consequences of being scammed. I had given out money to a stranger and I tried to dispute the charge but no actions were taken. The dispute didnt give me a confirmation or anything to keep in record. Which made me upset. I had no way on getting my money back. I tried researching about this issue but they told me nothing could be done.
Product: Debt collection

I have reached out to Capital One several times regarding the past due account its my understanding the the new rule only allows {$8.00} late fees I am being charged more than that I also asked about information regarding hardship program which I was told they offered when I opened the account they have refused to give me that information and terms and agreement to understand my rights with regards to account.
Product: Vehicle loan or lease

I purchased my car on XX/XX/2020 from XXXX XXXX XXXX XXXX. I also purchased the extended warranty. I was told when I bought it that I had 60 days to cancel the warranty for a full refund of {$3000.00}. This was also stated in the warranty contract paperwork. I emailed the finance manager about cancelling it on XX/XX/XXXX and was told I needed to do it in person. I went in on XX/XX/XXXX and cancelled my warranty, or so I thought. I was given a piece of paper stating the mileage and that my refund was sent to my lien holder. I was told that monthly payments would stay the same but that my loan term would be shortened. I asked while I was there if there was anything else I needed to do to cancel the warranty and was told no. Fast forward to XXXX, I go to check my loan with the bank and am surprised to learn that no refund for {$3000.00} was ever sent. I immediately emailed the finance manager and called with no response. I emailed about 4 more times and called many more times with no response. I also called The Huntington National Bank multiple times, and was told I needed the check number, amount, and date sent from the dealership. I finally got through on the phone with the accounting department of XXXX XXXX XXXX XXXX and she said, " oh that's weird that he never had the check sent ''. She then told me that the furthest back she could date a check to was XXXX of this year and that it wouldn't be the full {$3000.00} refund but instead about {$2300.00}. I don't think this is fair as it isn't my fault they didn't send the check when they were supposed to. I should be receiving the full refund. She told me it wasn't possible for her to get me the full refund because the system wouldn't let her date the check back far enough. She also told me she would send me an email with the check number of the {$2300.00} but that it would take about 2 weeks. It has been almost 3 weeks now and I still haven't received an email. I understand that people make commissions off of these warranties, but I followed all the written rules to cancel it within the timeframe. It seems like shady business practices, and like they were hoping I wouldn't catch it. I should be refunded the full {$3000.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with Prosper Card issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a third party app called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the Prosper Card app or website for current account balance and to make debit payments from my XXXX XXXXhecking account as payment to Prosper Card. This lender also does not accept payments pushed from my bank to them via billpay. I should also mention that auto pay was set up on this Prosper account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX XXXX  and my numerous attempts to get answers from Propser, it appears that when I revoked permissions via XXXX this lender automatically stopped sending ACH debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the ACH clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Product: Credit card or prepaid card

I want to close my Ikea comenity account, my children 's place account and my comenity Visa credit card that got hacked into last month! As I no longer want to do business with comenity! I have called dozens of times to close my accounts but can't get anyone on the phone because comenity has been comprised by hackers and they completely shut down their phone lines! Theres no way to access this bank!
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00XXXX XXXX XXXX XXXX XXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> XXXX  was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.
Product: Credit card

I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.
Product: Mortgage

On XXXX/XXXX/XXXX Shellpoint Mortgage Servicing phones were not working due to XXXX XXXX, thus, I was unable to make a debit payment as usual. I instead sent XXXX money money orders which was the correct amount, the next day returned receipt. The money orders were sent back. Since XXXX/XXXX/XXXX I have called XXXX frequently without results/resolution. XXXX XXXX attachments XXXX Now, my loan is in default because of my difficulties of communicating with Shellpoint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX  Address : XXXX XXXX XXXX. XXXX. XXXX Phone Number : XXXX Fax : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Fax : XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : XXXX Fax : XXXX XXXX Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
Here as follows are items in error : ACIMA DIGITAL FKA SIMP Account number XXXX Date opened XX/XX/XXXX Account type Lease I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XXXX XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XXXX  XXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XXXX XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not. 
Yet XXXX XXXX continues to charge a high monthly interest rate on both charge card accounts.
Product: Debt collection

Bank of America has called 50 times in the past 30 minutes on XXXX-17. I am at work and they did leave one message on my cell phone. I pay this bill every month I am not behind. It was charged off, but in agreement to pay 10 % of the balance each month and I do just that. There is no need to call me 50 plus times in a row. I blocked their call just so my phone would stop buzzing since they call every 20 seconds.
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 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a card account under an open consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$4300.00}
Product: Debt collection

ARSI Account Recovery Specialist, inc. ( KS ) XXXX XXXX. Have violated the fair debt collection practice act by the following.1. they added their own fees and or charges, 2. threatened with sueing, 3. threatened me to pay more, 4.filed a judgement ( garnisment ) without a notification or subpoena when I all ready had a payment arrangement.