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

I got several unauthorized inquiries on my credit and want them to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" I would like to file a complaint against CREDIT COLLECTION SERVICE. They claim that I owe them {$450.00} from an insurance company, but I did not renew my contract with them. I have asked CREDIT COLLECTION SERVICE to provide me with documents containing my signature and name, stating that I agreed to continue my business with XXXX XXXX. However, they have not provided me with any proof, yet they have flagged my credit. Therefore, I request that they remove CREDIT COLLECTION SERVICE from my credit since they have no evidence to support their claim. '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN 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 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: Bank account or service

I filed a dispute with my bank on my XXXX debit card due to poor quality of goods purchased. I tried to work with the supplier but they refused to allow me to return the merchandise so I filed a dispute with the bank. I was issued a provisional credit. Recently received a letter from my bank basically telling me that they could do nothing about my dispute did not even try to chargeback the supplier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX Repair Agency. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly vestigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with th necessary proof of investigation. The following are the accounts I have marked inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax reporting agency has been reporting false and misleading, inaccurate information, that has caused me severe harm. The injuries sustained has cause a financial burden upon my family and has dropped over 100 points. due to the violations they caused, title 15 1681o ( a ) ( 1 ) shows me EQUIFAX, XXXX, NOR XXXX ; to be acting according to the law they swore to, and are acting outside of their duties, and obligations to make sure that the consumer report has MAXIMUM FAIRNESS, and ACCURACY, title 15 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put a credit card that my wife got ( in only her name ) on my credit report and it dropped my score 87 points! They also have the amount on her card wrong on my report. We are trying to buy a house and sign papers soon based on MY credit. They want me to send a payment to her card through them from what we see on their website. It appeared overnight but takes 30 days to " decide '' the dispute.
Product: Credit reporting or other personal consumer reports

I paid two loans off and XXXX is not reporting them per their contractual obligation
Product: Mortgage

Loancare bought out my mortgage from XXXX XXXX in XX/XX/XXXX without Escrows. Loancare added escrows to my account even though I showed proofed of insurance and paid annual taxes. I have been trying ever since to get the escrows removed as I continue to pay insurance and tax annual out of pocket. They have misapplied my payments for two years. I finally got some resolution in XXXX or XXXX only to have escrows added back two months later. I have called relentlessly speaking with 4 different managers since XX/XX/XXXX trying to get my account fixed. This has now messed up my credit and affected my life. I am always promised follow up and a resolution and never get it. The 4 manager and dates are listed below. They are " not allowed '' to give their last names. 
XXXX XXXX XX/XX/XXXX - left several messages XXXX ID # XXXX out of Pittsburg XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Spoke with on XX/XX/XXXX, left messages XX/XX/XXXX, XXXX & XX/XX/XXXX. 
I call customer service requesting call backs due to " high volume '' and never receive a call back. Please help. I can not wait to be able to refinance and get out from under the worst mortgage company I have ever had to deal with.
Product: Credit card

I am filing a complaint regarding a problematic transaction with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I purchased XXXX items directly from 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 The total transaction amounts were {$3200.00} ( Ref. No. XXXX ) and {$7000.00} ( Ref. No. XXXX ). 

First, XXXX shipped the wrong lens instead of the XXXX XXXX XXXX XXXX I had ordered XXXX I returned it using their provided shipping label and have confirmation of signature upon receipt at their return facility. Next, I received the camera, but given the incorrect lens shipment, I no longer needed it. I immediately returned the camera, again using a XXXX return label, and obtained signature confirmation proving delivery. 

Despite this, XXXX now claims they never received any returned merchandise. I have documented proof of the returns, including shipping and signature confirmations. I have attempted to resolve this matter with both XXXX and my credit card issuer, but neither has issued a refund. I am left with no merchandise and no reimbursement for my returned items. 

I respectfully request that the Consumer Financial Protection Bureau assist in resolving this issue and ensuring I receive the full refund owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX, account name : XXXX : # XXXX, account name : XXXX # XXXX, 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 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 if information, other then records of convictions of crimes which antedates the report by more then 7 years.

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

On XXXX XXXX, Comenity Capital Bank took over the XXXX XXXX XXXX  XXXX XXXX from XXXX  XXXX XXXX. From XXXX to XXXX we had charges of {$3600.00} on this card. The bill we received on XXXX was still from XXXX XXXX XXXX and we paid it in full with check # XXXX for {$3600.00} ( had few cents credit from prior bill ). Mailed to XXXX XXXX XXXX XXXX financial devices in XXXX, DE XXXX. For unknown reasons, this check was not cashed and forwarded to Comenity Bank until XXXX. As a result, Comenity has charged me {$38.00} interest and {$28.00} late fee. Both of these charges I dispute as I paid the total card charges on XXXX which is XXXX weeks before the due date ( cancelled check clearly shows this ). I can not be penalized with interest charges due to the problems XXXX XXXX XXXX and Comenity Bank had in handling over the XXXX XXXX business. Despite multiple phone calls to Comenity Bank, I have been unable to get this resolved and continue to get threats about reporting to the Credit Score agencies..According to my charges and payments, they actually owe me about {$5.00} but that is to be sorted out later once interest charge is removed.
Product: Credit card

On or around XX/XX/XXXX, I made a purchase at Mattress Firm for {$3300.00}. When purchasing the card the store clerk ( not an employee of synchrony bank or a finance professional whatsoever ) offered a promotional " zero '' interest credit card for two years. I accepted the promotion and opened an account with synchrony bank. At no point was I told or adequately explained to that the program was a " deferred interest '' program and that interest would accrue daily on the original purchase price with a lump sum charge at the end of the promotion. Every month for two years, I paid my minimum payment ( and sometimes more ) paying down the balance to {$1500.00}. On XX/XX/XXXX, I was charged the accrued interest of {$2100.00} ( about 63 % of my purchase price and 1.5 times my then balance ). I called Synchrony on XX/XX/XXXX to work out a settlement with the balance, but was refused despite speaking to the highest manager available. 

This experience really opened my eyes to promotional credit card practices. I am not convinced that Mattress Firm/Synchrony Bank did not violate consumer debt laws by deceptively marketing a deferred interest credit card as a " zero '' interest credit card, but even if they did not these practices are incredibly predatory and should be illegal. Young, inexperienced retail store clerks should not be signing people up for thousands of dollars in debt with exorbitant penalties. It should be illegal to charge someone interest on debt that they have technically paid off ( i.e. if I paid 99.9 % of the debt but did not pay the .1 % by the end of the promotional period, I would have still been charged the full {$2100.00} ). I understand that there was a push to make these programs illegal in XXXX, and I believe that push should come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau experian and XXXX. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.
Product: Checking or savings account

XX/XX/2021 {$140.00} XXXX was in care of XXXX XXXX XXXX for XXXX XXXX XXXX In XXXX, Fl. Wells Fargo. None of the evelope or funds were given to me. Not even a dollar. Messing up my credit with purchases. My money was put in volt to hide it from me. We made me lose my items from my home by refusing to give my money back. It's not just her XXXX XXXX. XXXX XXXX. Next up XXXX XXXX XXXX lawsuit. Stole XXXX XXXX Dollars. Hurricane came I was left in the street while they live in my brand new home. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - {$2200.00} The company has deleted this item from XXXX. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on Equifax and XXXX XX/XX/2024- {$1400.00} is still reporting on XXXX, Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are violations of the FCRA. I request for these items to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Product: Checking or savings account

On XX/XX/2018, I opened up a new account at Citi Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX branch. Citi had promotion through XX/XX/2018 that {$600.00} cash bonuses will be given for new customers who deposits {$50000.00} and maintain this balance for a month. The bank staff XXXX at this branch went through all the procedure and requested all the information from me. She confirmed she had everything needed for opening my account. 
On XX/XX/2018, I deposited {$50000.00} into the Citi checking account and since then always maintained {$50000.00} account balance. 
On XX/XX/2018, I received a phone call from Citi Bank customer service, claiming he wanted to obtain additional information regarding my salary and employer. I provided all the information to him. The customer representative in the end told us on the phone that my profile is now complete. 
I subsequently visited Citi Bank local branch in XXXX and spoke with XXXX, the branch manager. I wanted to make sure nothing was wrong with my account. She then called Citi customer service in front of me. With her assistance, we repeated the required personal information to Citi Bank customer service center and XXXX assured us they got 100 % everything. 
On XX/XX/2018, when I was expecting the {$600.00} cash bonus paid us XXXX, I received a letter from Citi Bank stating that my account was closed on XX/XX/2018, without any reason. They refunded me with the {$50000.00} check but failed to include the {$600.00} bonuses that I was eligible for. The date they closed my account was one month, the threshold for getting the cash bonus. It is clear that they intended to take my {$50000.00} saving with them for free for 30 days. This is commercial fraud and also breach of contract. 
I then contacted Citi Bank through phone calls and visits requesting for a reason since XXXX XXXX. They promised to investigate but I did not hear anything back from them. All they told me was : Citi Bank has a right to close customer 's account at any time- No reason was needed! This is shocking for banking industry. 
I wanted this matter to be given attention to and someone would investigate into Citi Bank. I do not know how many customers and consumers suffered financial harm because of Citi 's fraud and scheme!
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. 

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  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 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

Sunday my wife and I deposited our income tax refund check into the Wellls Fargo atm located in XXXX XXXX SC. It said our funds would be ready in 48 hours. Well those funds never came through. We received a call from the bank saying something went wrong with there atm and our money wasn't deposited. And they dont have our check anymore but we have the recipe the atm gave us with a copy of the check on the recipe. But they are saying we have to wait on a letter in the mail to take to the bank to figure out how to get our money back. I need to know what to do because I am fed up with the waiting on something that belongs to me to be returned in how ever long that takes.
Product: Credit reporting or other personal consumer reports

I recently had a name change a couple of years ago, and I realizing that people have been reaching out to me, saying that I owe a debt which I know I dont audit too, so I have reached back out to them asking for information and it seemed like my information was stolen, or it was breached in some type away They told me that I had to contact you guys in order to get this resolved because it was a big breach in the system Im hoping someone can help me. I have been reaching out to multiple people have not got any assistance how I can fix this problem.
Product: Bank account or service

In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express ( AMEX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to Amex in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by Amex that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, Amex updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!