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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX Child Support is charging me childsupport FOR NO REASON WHEN MY DAUGHTER IS LIVING WITH ME " NOT THE MOM " I spoke to childservices and they claim that even thoe my daughter XXXX XXXX is Living with me " XXXX XXXX '' that they cant stop or cancel that CS case. also i am a victom of identity theft. i found out someone has been using my SS # since i was a minor. i found this out when i got my first job at XXXX at XXXX XXXX XXXX Ca XXXX
Product: Credit card or prepaid card

Hello CFPB I am writing to ask your assistance to reopen my old accounts with Citibank. My Citi thankyou Account with credit Limit {$8900.00} was closed due to inactivity but i was not even notified or aware that i have to use this card otherwise it will be closed. Its my oldest card Since XX/XX/XXXX and by closing this account it Will have very negative effect in my credit worthiness. Aslo citibank closed my another Account Citi Simplicity with credit limit {$9600.00} which i had since XX/XX/XXXX this situation also was same. Please assist me to reopen my old accounts and restore my credit worthiness Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXXXXXX XXXX. My XXXX XXXX  was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can be furnished, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

ACCOUNTS THAT NEED UPDATED : XXXX XXXX XXXX
Product: Debt collection

Dispute letter sent to company multiple times. Requested documentation was not provided. Debt is now falsely reflected on credit report
Product: Debt collection

I am not liable for this debt with XXXX loans. I do not have a contract with Dobberstein Law Firm L.L.C. They did not provide me with the original contract as I requested and is violating my rights under the Fair Credit Reporting Act and need to cease and desist from contacting me.
Product: Debt collection

XXXX XXXX XXXX and IQ International Data is falsely trying to collect {$880.00} after move out. I was a former tenant of XXXX XXXX XXXX as a sublet to a previous tenant, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. After move out, we did not receive our deposit of {$590.00} back from the property that was previously managed by XXXX XXXX. Per California civil code 1950.5 ; Landlords will need to provide an itemized statement of any additional fees and/or the security deposit within 21 days of move out ( https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=1950.5 ). We did not receive either information. I sent out a certified letter requesting said information to XXXX XXXX XXXX but could not get a response as the manager did not check the mail and the letter was returned back to me. I am now, in XXXX receiving a mark on my credit report indicating there is a left over balance of {$880.00} from IQ International debt collection agency, exclaiming I am the sole leasee and only responsible for this debt. Can you please confirm whether or not previous management sent out a full letter explaining all extra charges and deposit allocation addressed to me, XXXX XXXX. The information I received from IQ was a charge of {$790.00} but does not include the deposit of {$590.00} that should have been used had there been any additional charges. Furthermore, the debt collector IQ Data on a recorded call in XX/XX/XXXX, told me that my address was not updated with the United States Postal Service but I am attaching proof that I did update my address for XX/XX/XXXX, and all my other mail was correctly forwarded except the letter from XXXX which I believe a move out statement was never created or even mailed. I reached out to XXXX XXXX in XX/XX/XXXX and was told by XXXX they don't see any info on my account. 

Attached is proof of the updated address and proof of my letter to XXXX XXXX XXXX and the letter that was sent to XXXX XXXX XXXXXXXX with dates attached.
Product: Credit card or prepaid card

I have reached out and notified American Express several times since cancelling all credit cards with them in XXXX about charges on the Business Platinum Card  that I did not authorize. Instead of resolving this matter and reversing the charges, they have added on additional fees and reported me for delinquency in payment. As of this morning, I have received notification they are turning the matter over to a collection agency for payment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}
Product: Mortgage

I purchase an home thru XXXX XXXX XXXX and withdrawal {$75000.00} from my pension while I was fighting for my life from XXXX XXXX went into foreclosure and loss the fight of my home mortgage and the my credit after years of building this score up and then the State of New Jersey , County of XXXX did not help me nor place me in affordable relocated to New York being on Affordable Housing since XXXX or XXXX not place force into the XXXX XXXX XXXX XX/XX/XXXX and because the lack of support and help score is low and unable to rent on my own and me others who own are force into hardship. Realtors and Tenants think that renting is the same as owning this is not true. Owners are required to meet credit worth be required for down payment and meet other requirements. With Tenants thinks because they pay security if that or they get Human Resources to pay is that is the same the requirements are extremely different and this should be different requirements for previous owners and those who loss the home due to sickness with rents many entitled to resources that individuals with middle-class income are not entitled. Since there so much hardship with renting they should have be difference in dental
Product: Credit reporting or other personal consumer reports

I am filing with an urgent matter that has yet to be resolved despite my numerous attempts. This is my fourteenth effort to address the issue of being denied access to my personal credit report by Equifax, who continue to withhold any details regarding my credit history. Enclosed, you will find additional documentation supporting my case, including copies of my personal identification.
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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at the Bank of America office at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the manager and I made a Wire international transfer in the amount of {$10000.00} ( EUR XXXX ) to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 
The bank manager, when filling out the recipient 's details, made a typo when specifying the Recipient Account Number. 
The transfer did not reach the recipient and also did not return to my account at Bank of America. 
Please help me get my money back.
Product: Checking or savings account

TD Bank charged XXXX in overdraft fees fradulently and then printed an altered statement and the the money was refunded as soon as I called corporate at XXXX the number on the receipt paper they gave from the tellers window and on my debit card and asked from the branch in XXXX at the corner of XXXX XXXX and XXXX XXXX roads system be changed by their internal IT people. This made my balance positive XXXX dollars and something including the pending XXXX Lyft charge be included and then I added a XXXX dollar tip making it XXXX dollars available and then they claimed today that a XXXX debit hold from the XXXX hotel I stayed at XX/XX/XXXX that was returned XX/XX/XXXX had just hit the account overnight but that should have made my balance XXXX dollars but they claimed the available balance ( because XXXX was somehow charged from XXXX to XXXX since yesterday is still pending but covered by the XXXX I put in yesterday to make the account positive the XXXX dollars after the fees were refunded ) was XXXX which is impossible to be accurate. Their computer systems need to be inspected because my statements have been altered and I have a receipt for a withdrawal of XXXX from XXXX on their atm that took my XXXX XXXX XXXX XXXX  XXXX account down to XXXX and change but their receipt says it made my preloaded unemployment card from Pennsylvania XXXX. I withdrew today XXXX and am about to put back XXXX so the account should be positive XXXX dollars but that is not what my receipts are showing. Can you investigate this please. And their camera surveillance footage because I was lied to and told the balance inquiry fee was XXXX by a woman at one of the desks for account services when my statements and on the phone it was said its XXXX. This statement occurred on XX/XX/XXXX in the morning. I have receipts that document this all.
Product: Debt collection

XXXX XXXX repeatedly robocalls my cell phone, which was never registered with them, about an account that is not mine, of which they originally hassled my minor daughter about ( and probably still are ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get transunion to help get these inquiries off my credit report that do not belong to me and some where mine that they removed and put them back on without notify me in the time frame. They didn't notify me at all. 

These are the inquiries that need to be removed : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I got a promotion in the mail from citi bank stating Im pre qualified for their offer with XXXX XXXX, spend {$3000.00} in 3 months and receive XXXX airline miles. 

I called to confirm this offer was still good because I already used a similar offer last year and redeemed it. I was told if I got the letter, get fully approved for the card and spend the appropriate amount of money I would revive the airline point even though I already used a similar offer the year before. 

i was approved for the card the following day, spend the {$3000.00} within a month of applying and my miles never showed up. After a couple weeks I called to see why I still havent received my credit for the miles, I was told this offer is only good ever 4 years for each individual and I already had this offer the year before. I explained to the manager that a got a pre approved promotion letter in the mail and I called to confirm I qualify for the miles and I was told I was.

the manager refused to help me in anyway. I feel taken advantage of and lied to. I did not need or want another credit card, the only reason for opening this card was for the the miles ( which I called to confirm I was eligible for before applying ) now my credit score is lower and I purposely spent extra money to reach the {$3000.00} minimum on a card for no reason, if they told me in the beginning I didnt qualify I would not have opened the account and would have waited to buy certain items.

I just cant get over the lying and horrible customer serving that I am receiving from the citi XXXX XXXX credit card.
Product: Payday loan, title loan, or personal loan

I have been trying to work with Citizens Bank for well over a year to resolve XXXX fraudulent lines of credit that were opened in my name. I have called numerous times and I keep getting told that they will send me a fraud packet, but I never receive anything. I have filed a police report and sent them everything they have asked for, but no one ever gets back to me. This has negatively affected my line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax several times regarding the reinsertion of the following account : account number : XXXX ; XXXX XXXX XXXX. 

Equifax has confirmed that this account had been removed, however failed to comply with FCRA section 611.procedures in case of disputed accuracy 15 U.S.C section 1681. I have recorded two different managers in the fraud department confirming they have received my reinsertion dispute, however this company has failed to comply with the law as in my dispute letter, I send the entire law requesting all documents to verify the legitimacy of this account. within the 15 days given to Equifax. This company did not comply with any aspect of the law regarding the reinserted account as show in great detail of the dispute letter I sent to them and will provide here. 

Equifax is also in violation these other protect

ed FCRA laws : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. Definition of consumer Report : ( 1 ) In general. Th
e term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Equifax is a cooperation. This is against the law for Equifax to report late payments on my consumer report. Please remove this information.

15 USC 1681 Section 602A 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 instruction Equifax has never received written instruction from me to furnish information about this account, As shown, here, Equifax has violated numerous FCRA laws. Equifax has knowingly disregarded all of the following laws and actions corresponding to these laws, even after obtaining my disputes, the appropriate documents requested ; as well as my verbal acknowledgement to Equifax of these laws being broken. and being made aware of such violations.

Equifax does NOT get to pick and choose what laws to follow or disregard. These laws apply to them as much as they do myself. Equifax does NOY have the right to disregard FEDERAL LAW!
Product: Mortgage

I recibe a compliant response from this new mortgage company and as with XXXX XXXX XXXX they are started to lie and not answer my complaint 1 amount they say I owed no prove no prove why they keep changing the amount their new amount is {$1500.00} they claimed I missed this payment 4 years ago!!! XX/XX/2015 at the time I was paying what the court say or they presented to the court remember everything was force by the court they have already add XXXX to my mortgage a house that was worth XXXX if you see the partem fraud all around as forced me to signed a so contract by the way a contract is done when 2 parties agreed into it but my low income and situation dose not aloud me and their called loan modification help only sink me more into their fraudulent now the house has gain some value they change to a new this shellpoint Mortgage Services and this people same or worse playing the same tune 2 they keep lying about a bankruptcy with a forge paper you can see how they add with a formal paper with a pen that says a lot about them and the third question was why they send me a papers for a loan modification what happens to the loan modification they supposed to know I was in before they got this loan why they do not know anything or have any papers from this loan break down
Product: Student loan

Hello I just turned XXXX today and I thought to myself, where do I need to be in life? So the first thing I think of is college!! Well I go to apply for a student loan and my credit report says I have had one since XX/XX/XXXX of 2011. They say I owe them a total of {$10000.00} and I swear I NEVER EVER applied for any loans especially not a student loan I never went to college. Now my credit is ruined because of the delinquent accounts. What are my options? What can I do from here? The only thing I know is it's from a company called Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On XX/XX/XXXX I went to a Wells Fargo drive-through ATM located on XXXX XXXX XXXX XXXX XXXX California and I attempted to deposit {$300.00} into my Wells Fargo savings account the computer took the {$200.00} and then returned the {$100.00} bill and then gave me the option to make another transaction or return my card I requested to do another transaction and put the XXXX XXXXXXXX XXXXXXXX  inside one more time the machine confirmed my XXXX XXXX XXXX as a XXXX XXXX bill asked be to confirm correct which I selected yes, completed and returned my card. When I went to check my savings account only reflected the {$200.00} that was initially deposited I contacted Wells Fargo that same day on XX/XX/XXXX and opened a claim for them to investigate. On XX/XX/XXXX today I was told that they have completed their investigation and they have checked the ATM machine and there was no jams and there was no additional money in their money count. When I asked if they can check the cameras or their computer monitoring they stated that they only do that for fraud claims and that I should get a police report to subpoena them for the camera footage. I asked how long the camera footage is In there system I was told they dont have a definitive answer for that. They took my XXXX dollars and refused to check the live footage that they have, and closed my claim essentially stealing my money and not returning it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contained within my XXXX consumer report # XXXX is the following incorrect information.. 

GM Financial acct # XXXX incorrectly shows a delinquency of 30 days in XX/XX/XXXX, and Also XX/XX/XXXX. This account was paid in full and closed in XXXX of XXXX making these delinquencies impossible. 

GM Financial acct # XXXX incorrectly shows a delinquency of 120 days in XX/XX/XXXX. This account was paid in full and closed in XX/XX/XXXX making this delinquency impossible.