23daVinci/CFPB_Complaints huggingface dataset:
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  Accounts listed 
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 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 cannot 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

Please make sure that all aspects of this account are reported 100 percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instan
Product: Credit card

This is the first time after many years I have applied for a credit card with Citibank and the experience has been beyond frustration. 

Last week, I was solicited with a AAdvantage credit card application when I was checking airline ticket prices on XXXX I have attached the screenshot of Citibank saying I am pre-qualified for 4 credit card offers. 

I started my application for the AAdvantage Platinum Select card and had to leave it halfway through as I got a call to pick up my daughter from my friends house. I picked her up in a few minutes, returned to the application, and submitted. There must have been a technical glitch or something with multiple browser windows open, but you accidentally ended up with 2 applications from me. The first and second application was denied because of multiple submissions. 

I called on XX/XX/year> and talked with a nice gentleman and he understood my situation and made a note on my account. Someone from Citi called me on XX/XX/year> but nothing positive resulted by from that call. He asked me to call again today ( XX/XX/year> ) and talk to someone. I just finished talking to a rude representative who said even though I had a XXXX of around XXXX, the application was denied due to multiple applications. This is super frustrating. 

A prequalified applicant with a close to XXXX FICO score and spotless credit history of over 28 years shouldnt have to go through this bad experience. On top of that, Citi has already dinged my credit as you made a hard enquiry on my records with credit bureaus. 

It appears that Citi bank is only going for prequalified applications to farm consumer information without providing any credit. I want them to either approve the credit card or remove the hard enquiry from my credit files permanently.
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is against the debt collection agency for XXXX XXXX XXXX who has lied that they have submitted a wage garnishment with the State of Florida. Raush, Sturm LLP has not filed anything with the State of Florida. Neither XXXX XXXXXXXX XXXX or Raush Sturm is supplying documentation of the alleged wage garnishment. See attached where XXXX  XXXX XXXX tries to send me to the Lawyer. All we are asking for is a copy of this wage garnishment. Why is it so hard that nobody can supply it, because there is not one. 

Raush Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LTS XXXX We have requested over and over again for proof of the court filing of this wage garnishment and there is no wage garnishment. We have spoken to the State of Florida and there was no wage garnishment filed. XXXX  XXXX XXXX is trying to pass the buck to the Plantiffs attorney. Why is nobody able to provide this proof of court filing of wage garnishment that allowed them to take the money from my bank of account? 

In order to do a wage garnishment, it must be filed with the State of Florida. That did not happen. The state of Florida has confirmed there is no wage garnishment. XXXX XXXX  XXXX and the above company can not supply a copy of the wage garnishment. There is no such document that was filed with the court. This was not legal.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX XXXX. I did not authorize this at all.
Product: Debt collection

The XXXX XXXX XXXX collection company has been repeatedly harassing myself and my husband on a debt ( supposed pay day loan ) that I do not owe. I have informed them to stop contacting me and they continue to do which is not legal. They have also divulged sensitive information related to my " so called debt '' to my husband which is also illegal. I am being harassed during work hours and my family is being harassed. Please help!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2021 the bank allowed for several fraudulent checks to be deposited by only using a picture of said checks utilizing one mobile device and another screenshotting the checks which one was for {$3000.00} and 2 for {$1000.00} each total of {$5000.00} and made available {$1000.00} for immediatte use and allowed {$1000.00} to be XXXX  out to the thiefs who manipulated my teen daughter into this scam, now the bank did absolutley no investigation and now are holding us liabe to pay the {$1000.00} that became readily available by the bank including fee 's of returned item fee 's total amnt owed is {$1000.00} which again would not have been made possible if the use of only using screen shots of pictures to be utilized for this fraud to be done on us, theres a email adress associated with the zelle transfer which they could trace and know who received the money and charge them to pay the money back. I received no help from my bank but a bunch of sorry 's which dont help my situation, i worked hard to get my credit scores but if this ends up on my credit and my daughters who is barely a young adult will completly set us back. I know using technology these days is more beneficial but having allowed such a transaction only with an image of an image should not be allowed and funds should not readily be made available in such large amounts unless its a direct bank transfer to another bank period!
Product: Debt collection

I sent MERCHANTS & MEDICAL CREDIT CORPORATION INC. a Debt Validation Demand letter and they did not provide me with any of the information I requested regarding the validation of the so-called debt. The letter I sent was via certified mail # XXXX XXXX XXXX XXXX XXXX and was delivered to the company on XX/XX/2023. 

I am not liable for this debt, the company never provided me with the original contract with my wet ink signature. They have ignored all of my questions and are reporting this account inaccurately. I do not have a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}
Product: Debt collection

I sent letter of communication to Portfolio Recovery on behalf of a debt validation. I have never entered into any agreement with them. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I requested verification of the alleged debt, specifically, I requested the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance. I requested a copy of the contract and agreement between all parties showing wet signatures of all parties. They are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). I am pretty sure they are aware, credit reporting is considered debt collection under the law. Of my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with Portfolio Recovery XXXX. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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: Student loan

My loan was transferred from my XXXX  to Aidvantage in XXXX, they said account access would occur in XXXX, but they still are unable to find my account. I applied for a refund under CARES with my XXXX  for {$10000.00} before they transferred, but it appears they will not have my account information to reapply for the refund under Aidvantage before the XX/XX/22 deadline.
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  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: Checking or savings account

Had a hotel and flights booked for a trip this summer but because of riots and a state of emergency declared by the president of that country, the flight was cancelled and the hotel refused to cancel ( which was their right ) however I was allowed a date change through the booking host and the hotel denied all requests and assistance. Given that there was no way to get assistance I reached out to Robinhood as my bank and gave them all my communication with the hotel indicating even the refusal ( under the terms of contract ) that they declined to adhere to. The response after a very lengthy " investigation '' was getting this response : " We are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' If they are not responsible to ensure that their customer 's aren't defrauded then they should not have the ability to operate as a bank or entrust customer funds to them.
Product: Debt collection

Notice of billing error ( 12 CFR 1026.13 ) To whom may address my concerns Account # : XXXX Name : XXXX XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$1500.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing this to CFPB second time after crossing 30 day deadline by the credit bureau ( XXXX  ). I have complained about wrong Inquiries on my credit report to the company ( XXXX  ) and asked for a verifiable proof of permissible purpose. 
I did not hear back in 30 days and I complained about this issue to CFPB. I was told that XXXX  is still working on my issue. 
I am requesting second time to CFPB to help resolve the issue as this is a clear violation when wrongful hard inquiries are still showing on my report. I am reserving right to file for lawsuit to claim for {$1000.00} per wrong entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Ive tried explaining to XXXX Trans union and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) XXXX. XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXcct # XXXX
Product: Credit card

Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt
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.

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 inructions 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: Vehicle loan or lease

I am a victim of fraud from the get-go from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX and Santander Consumer USA on XX/XX/XXXX XXXX For that reason, I was misled and made an uninformed decision. First, during the extension of my credit transaction, the dealer told me that Santander Consumer USA requires a deposit of {$1600.00} before approving the extension of my credit. Now when it comes to my finance charge, I was not disclosed that the finance charge was the sum of all charges including the insurance. When I asked them if insurance is included they told me no that insurance should never be included in the finance charge and that I have to go get insurance myself. Upon my investigation, I figured out they have lied. Also during the transaction, I was never made aware of my right to privacy after a credit consumer transaction nor my right of rescission. Their intention from the get-go was to take advantage of me. My ''supposed '' contract with Santander consumer usa XXXX XX/XX/XXXX was never signed unless they forge my signature on my back. I have attached a copy of the supposed contract given to me on XX/XX/XXXX. To add salt to injury, Santander consumer usa has the audacity to steal my car on XX/XX/XXXX. For that reason, I am not able to work so I can pay my rent. I have a XXXX wife and XXXX XXXX  old son. Because of their action, I am at risk to become homeless.
Product: Checking or savings account

I saw an ad for Discover savings account where if you deposited a certain sum within 60 days of opening that account, Discover would give you {$200.00} plus interest of 3.9.

I opened the card and transfer was done from one bank to the other.

Discover reversed the transmittal of the sum and returned the money to my original bank. Thereafter, they closed my account citing business decision. 

This leaves me to believe that they had no intention of honoring their ad and they were surprised when I came up with the sum in their ad. This is false advertising.
Product: Credit reporting

Experian in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Experian that the mortgage was never in default. Experiancustomer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.