23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

All three Credit Reporting Agencies have violated my right to privacy. 15 USC 1681 section 602. According to 15 USC 1681 section 604 ( a ) ( 2 ), I have not given my written consent to neither one Credit Reporting Agency to furnish my personal information. Lastly, they are all in violation of 15 USC 1668 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer plan as late.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and they have not provided adequate validation. I seek your help in resolving this matter quickly and effectively.
Product: Checking or savings account

On XX/XX/2023 I looked up my my bank account saw charges thats I did not recognize I call the bank citizen bank dispute all the charges ranging from XXXX XXXX {$500.00} all total {$30000.00} thats from my personal account my business account was {$6200.00} all charges was from same company they said they gone investigate they refunded my business account money {$6200.00} but they refusing refund my money from my personal account
Product: Credit card or prepaid card

I booked a trip using citibank 's Thankyou.com on XX/XX/XXXX using XXXX thank you points ( trip ID XXXX ). Later the trip had a significant schedule change so I called in XXXX to cancel the flight to get a full refund in the form of thank you points. The cancellation took over 90 days and I finally got the refund of the points back to my account on XXXX after calling the customer service again. However, when I checked my account back on XX/XX/XXXX -- the points disappeared. I called the customer service of citibank thankyou service and I was told that those points were refunded to a credit card account that has been closed/converted and therefore forfeited. This a unfair treatment to the customer as ( 1 ) citibank should not refund the points to be associated to an account that has been closed/converted ( 2 ) no one has informed me that these refunded points will just expire 3 days after it is being refunded and there is no way to check that on citibank 's website. ( 3 ) when I checked the website on XXXX -- the refunded points were shown under my active Citi Premier card ( 4 ) the refund process took over 90+ days after my initial call for cancellation. I contacted Citi 's Thankyou customer service several times on XX/XX/XXXX and XX/XX/XXXX ; during the last call, the representative said he had submitted a request to credit the points back to my account within 5 days ; but the points are not available as I checked on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least XXXX items are already XXXX years old and false. I want to know if i can still file my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder. 

TransUnion is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXXXXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX # XXXX 8 ) XXXX # XXXX 9 ) XXXX XXXX XXXX XXXXXXXX # XXXX 10 ) XXXX XXXX XXXX XXXX # XXXX DEMAND FOR REMEDY of {$10000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

TransUnion is reporting my name incorrectly as XXXX XXXX XXXX and XXXX XXXX XXXX which are, in fact, incorrect and in violation of my FCRA consumer rights pursuant to 15 USC 1681 ( b ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion furnished a copy of my consumer credit report to following parities without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY OF {$28000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Requested information on my consumer file each time an investigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

TransUnion negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized inquiries.
Product: Vehicle loan or lease

Used XXXX Toyota XXXX purchased in XX/XX/XXXX from XXXX Toyota dealer at XXXX miles for {$23000.00}. 
Ultra high interest rate 19 %. I was told after two months I would qualify for a reassessment of my interest rate for a lower rate aligned with the market. 
I tried over and over and after 6 months of on time payments around XXXX XXXX i could not lower my rate. Now it has been 11 monthly payments and I have never missed a payment. My credit is around XXXX and I cant believe I am stuck around 19 % interest my principle is barely being paid down. 

I was forced to get product bundles for this sale that are not relevant and did not want. 

I feel so taken by Toyota banking! Now I see there is a lawsuit and I want to be part of the class action lawsuit for this financial settlement per add ons I have been forced to pay up front and with interest! 
This has really hurt me financially.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

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

Dear Sir/Madam, I am writing to formally register a complaint against Columbia Debt Recovery , concerning their conduct in association with XXXXXXXX XXXX . 

In XXXX of XXXX, I engaged with XXXX XXXX XXXX  regarding a rental unit inquiry. The application process necessitated a {$50.00} application fee and a {$450.00} deposit to secure the unit. Subsequently, following the processing of my application, XXXX XXXX notified me of its rejection due to the requirement of demonstrating a bank account balance three times the annual rent. 

While informed of the applications rejection, I was assured of the prompt return of my {$450.00} application fee. However, the property management took an excessive XXXX days to reimburse this deposit. Additionally, during this period, I was contacted regarding the return of my application check, which had been held for XXXX weeks before being deposited, raising questions about their operational efficiency. 

In XXXX XXXX XXXXXXXX, I received an email from Columbia Debt Recovery, ostensibly on behalf of XXXX XXXX, asserting a debt of {$75.00} without detailed itemization. Subsequent inquiry revealed this amount to comprise the initial {$50.00} application fee, accompanied by a {$25.00} returned item fee. Despite my immediate compliance with a payment plan, the company persistently pursued the inclusion of this matter on my credit report, disregarding my request for cessation and has caused my credit score to drop over XXXX points. 

I have attached documentation demonstrating my active payment plan, confirming my full settlement of the {$75.00} owed. However, Columbia Debt Recovery LLC, wrongfully took it upon themselves to record this item on my credit report.
Product: Checking or savings account

I am a chase bank customer and I disputed unauthorized transactions dated XX/XX/2021 from XXXX XXXX XXXX in the amount of {$130.00} and XXXX XXXX for {$150.00} chase denied my claim and said I was responsible to pay for these charges when they were fraudulent and I never made them. I find it extremely absurd and unethical for chase to say they protect customers from fraud when in reality they don't. I refuse to pay for charges that I never made and I really need help resolving this issue, I handled everything correctly on my end and reported my card lost as soon as I noticed these transactions which was not even 12 hours after they posted and its so unfair and wrong for chase to deny my claim.
Product: Mortgage

We sold the house that had a HELOC through US Bank. The title comoany requested a pay off to close, I signed a authorization for a pay off and close. They recieved the funds on XX/XX/XXXX and applied it as a pay off to XXXX. I recieved a check with a letter stating my account had been paid off and an overpayment was issued, so I cashed it. Then on XX/XX/XXXX I noticed a balance still owing in that account, called the customer service number, not able to speak directly to payoff dept. finally after several calls the notes are stating that an error was made and if I send them the balance of XXXX they will back date the payment and refund me what was left. I have a letter stating the account was paid off. So now Im confused. They at no time notified me of the error. I have done all the leg work to find out what happened. The customer service reps have been helpful but every time I call in I have to explain AGAIN what is going on and they repeat the exact same thing back to me per the notes. I am frustrated That they messed up and now they are charging me for interest. They also are reporting to the credit bureau as me being late.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. & 1681 et seq. for unlawfully obtaining my [ Equifax, XXXX, and/or XXXX ] consumer report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX XXXX XXXX  2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXX XXXX  DBA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q. 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}
Product: Checking or savings account

In XX/XX/year> i went shopping @ XX/XX/XXXX in XXXX MD . Found several items made a purchase containing multiple items, CASHIER REFUSED TO APPLY MYXX/XX/XXXXs COUPON OF 15 % off al items at time of purchase instead told me to come back & get coupon applied. I had no additional time to argue nor request Supervisor at that time. So next time i had business in the area i return items in this purchase PLUS, requested SUPERVISOR to apply my 15 % XX/XX/XXXX & i told Supervisor HOW ORIGINAL CASHIER REFUSED COUPON. Supervisor told me, that cashier was TERMINATED. Then Supervisor agreed to HONOR my items to be Returned & ALSO SAID SHE WOULD HONOR 15 % XX/XX/XXXX COUPON IF I COULD BE PATIENT. I was very very patient. The Supervisor STRUGGLED YO GET CASH REGISTER SOFTWARE TO ACCOMPLISH ALL THESE THINGS. In doing these multiple TASKS, it would actually created 4 to 6 more TRANSACTIONS BEFORE ALL WAS FINALLY ACCOMPLISHED!! Supervisor even at one point HAD TO RETURN ALL THE MULTIPLE ITEMS IN ORIGINAL ENTIRE TRANSACTION ; then she re ran items i kept and NEXT Supervisor APPLIED 15 % XX/XX/XXXX COUPON TO EACH ITEM WITHIN ENTIRE TRANSACTION = a minimal price as a GRAND TOTAL!!! Yet when i checked my Discover Bank ET AL checking account- DISCOVER BANK TOOK CREDIT ( REFUNDED TRANSACTIONS ) and applied them as PURCHASES TO MY CHECKING ACCOUNT BALANCE, in turn causing me to pay double or triple toXX/XX/XXXX. I wrote through tge SECURE MESSAGE CENTER IN MY DISCOVER BANK APP, to explain to bank so they could investigate and CORRECT THEIR INTERNAL ERRORS FROM PURCHASES TO CREDITS. As a response from DISCOVER BANK ET AL I WAS TOLD they needed 45 to 60 days to LOOK INTO THE MATTER. Finally we have arrived at XXXX, and STILL NO CORRECTIONS, NO CORRECTED CREDITS ABSOLUTELY NOTHING! I took my time writing through THEIR SECURE MESSAGE CENTER IN MY EFFORTS TO ACCOMPLISH MY DUE DILIGENCE & CLARIFY EACH STEP TAKEN & the GRAND TOTAL WHICH I WAS RESPONSIBLE TO PAY XX/XX/XXXX-AGAIN ONLY TO BE IGNORED, NEVER RESPONDED TO, i even sent one secure message to attempt to give them something to be grateful for & show appreciation for by explaining- when i saw Discover Bank ET AL OFFERED FREE CHECKING with FREE CHECKS, i encouraged another person who resides 16+ hours away to JOIN DISCOVER BANK ET AL. So when WE BOTH OPENED OUR ACCOUNTS I THOUGHT THIS WOULD TRANSFORM OUR BANKING LIVES FOR THE BETTER- NOW IT APPEARS FROM ALL MY WORK, that they like to CAPITALIZE OFF FIXED INCOME INDIVIDUALS FOR THEIR PROFITS WHILE TRYING TO KEEP WHAT THEY THINK ARE UNEDUCATED POOR DISABLED PEOPLE DOWN. Wrong. When i have walked on, Taken Advantage of i am HAPPY TO SOCIALLY INFORM AS MANY PEOPLE AS POSSIBLE- ALL PEOPLE DESERVE TO HE TREATED EQUALLY UNTIL THEY DEMONSTRATE BY VIOLATING THE LAWS. I have VIOLATED ANY LAWS, i have ONLY CONDUCTED NORMAL BUSINESS TRANSACTIONS, including RETURNS.
Product: Credit card or prepaid card

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. 

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

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

I am a victim of identity theft. I have never lived at these addresses or work for these companies
Product: Credit reporting or other personal consumer reports

See attachments. A charge off account is reporting to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Experian sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Experian removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The addresses that follow do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.