23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously address my concerns of First Federal Credit control services with the Better Business Bureau informing them that I did not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection I do not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection from First Federal Credit control services. I am not responsible for this debt from First Federal Credit control services. The Collections that are being reported to the credit agency are in the amount of XXXX, and XXXX. Better Business responded within the same day informing me that First Federal Credit control services are licensed within the state of Florida. This information is not accurate. Better Business Bureau responded with a license number For First Federal Credit Control XXXX XXXX this information is still accurate First Federal Credit Control is not licensed in the state of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Product: Checking or savings account

Hello, I won a prize in solar last week, and then XX/XX/XXXX opened a cashier check and gave me about XXXX US dollars. I deposited it into my checking account. After 2 days, the money has been shown to be available. I am investing, The in and out account was relatively large, so I bought a little digital currency and returned the credit card, but after a day, the citi bank took the money back. The bank customer service said that the check might be returned and told me it was a bad check. I said it was impossible! As a result, all my payments were returned and the bank was overdrawn. My money was not released until 4 days later, but I couldnt log in to the bank the next day. I called to ask them. I couldnt understand what this is. The reason, I went to the bank to ask about the situation yesterday. The bank customer service said that the reason for the checkpoint was ID fraud and that my ID was real. Then the bank representative said that you can only wait for the letter and make a decision. I really dont know how to deal with this problem, I hope I can get your help! Thank you
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged.

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Inaccurate Late Payment Remarks : XXXX XXXX XXXX XXXXXXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions
Product: Checking or savings account

I was told beforehand that the funds would be available if I requested it and informed them when I made a deposit. 
I was on the phone with the woman while making a XXXX deposit to my XXXX  account with a money order for {$440.00}. 
I believe this is a bait and switch scheme Ive been a victim of. I have been studying this for a while, I can now tell in memory that there was no intention of making the fund available. 

I have a call recording of the whole thing. The representative XXXX the whole time making me believe this is a legit thing they can do and will do. 

This is a lie and unfair tactics, and I need my funds available now, or the XXXX  order made available immediately so I can put them in a bank that will honor the promises theyve made and not use bait and switch tactics. 

Plus, I need a {$150.00} inconvenience and damage fee as well. {$590.00} total. 

Thank you.
Product: Credit card

Greetings On XX/XX/XXXX my wife tried to use our XXXX XXXX credit card through Citibank N.A. located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and was denied and told to contact the bank. We contacted the bank immediately that day, as we didn't have a late payment and still had a sufficient amount of credit line available. Upon contacting customer service at Citibank via phone we were told to wait for a letter telling us the reason. 10 days passed and the letter just stated that had removed her as an authorize user through our XXXX XXXX Citi Card and our Citi Simplicity credit card. Upon receiving the letter, it states to direct any questions and to get answer you must inform them with a letter in writing. which we wrote the company 30 letters, we finally get a letter back and its generic response letter back that states " Based on our prior experience with the authorized user listed on your above-referenced, account we have determined we can no longer offer them financial service products. This information was identified during a recent review and, as a result, a business decision was made to remove the authorized user from your above-referenced account on XX/XX/XXXX. '' In my letter to them, I request to dispute the reasoning, which to this day we still don't know what and asked my wife to be re-instated. As of now, my wife has been removed from both credit cards that we have been members from XXXX and XXXX and we haven't had a late payment and carried a balance on both cards since opening. The thing that bothers me most, is the customer service can't give us any answers why and we believe we were being discriminated against on her being removed. Another note, since her removal the company has sent her multiple pre-qualified sign up for our credit card and yet they still haven't given us a reason for removal, also they left my card open and are available for use. I have sent more letters to them requesting an exact reason, therefore since we can't come up with any reasonable logically explanation and can't get XXXX from anyone through customer service, we are coming to the determination she was the abuse of discrimination screening based on a recent review by them. Why not is our question, why not removed anytime before that? There responses says based on our prior experience with the authorized used listed, we determined we can no longer offer them financial service products. What does that mean, that we because we carried a balance, never had a late payment, they can remove her, based on what prior experience, being a customer to them that does exactly what they want, by paying their bills? 



Any help or feedback would be greatly appreciated with this. 


Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to makecertain that everything is accurate. 
I am writing to formally dispute the inaccuracies contained in my credit report, which I obtained on 12/01/21 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute information that I believe is inaccurate or incomplete.

Upon reviewing my credit report, I have identified multiple discrepancies regarding the accounts listed below that require immediate investigation. I have attached a Dr 's Note to show that i was in hospital during the date the account was opened.

According to 15 USC 1681c-2, any negative information that can not be verified must be removed from my report. Additionally, under 15 USC 1681b, I demand to know if the reporting entities have followed proper verification procedures. 

( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

I demand that these discrepancies be corrected in my credit report as obligatory under the law. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} - I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX  {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** XXXX Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX, Equifax, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. 

Inaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. 

2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. 

Resolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX Equifax XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. 

I appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. 

Thank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX AND TRANSUNION Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$700.00} ; XXXX Balance : {$440.00}.
Product: Checking or savings account

The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours. 

How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked.

I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim. 

I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX I sent dispute letters to the three credit bureaus. I disputed several accounts because I didn't believe the information that was being reported was accurate. 
I disputed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disagreed with the number of late payments which were being reported for these cards and I asked the bureaus to investigate and correct the reporting of these accounts. No response ever arrived and I waited over two months. On XX/XX/XXXX I sent out another round of letters disputing the same accounts with all three credit bureaus. Today is XX/XX/XXXX and again no response has arrived. I don't understand why I am not receiving any notices or why the credit bureaus feel like they don't have to answer me. My credit is very important to me and I would appreciate if they would at the very least respond to me with something. It took me plenty of time to look up my reports and study them to then take more time to write and mail out these letters to the bureaus. 

I would like the bureaus to do their jobs and send me a response. Is that too much to ask for?
Product: Checking or savings account

claim reference number XXXX, i lost {$6400.00} and i was given back {$4300.00}, wells fargo has not given me the other {$2000.00} i lost. Wells fargo also sent a letter saying We're writing to confirm that the transactions below have been withdrawn from your claim, as you requested. We will continue to research the remaining transactions, which i never said or asked them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed debt accounts with Experian regarding accounts from XXXX XXXX  and XXXX XXXX. XXXX  is not able to verify my debt accurately and according to FCRA.

I called them on XX/XX/2018 requesting verification of debt. I was told that I would be mailed verification within two weeks ; I have yet to receive any verification. XXXX has sold my debt to a debt collector with whom I have no contract with and they refuse to accept payment of my debt. I also never received notice that my debt had been sold as well ; This violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I requested that each common verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA. Experian failed to collect the proper information as asked for above and never verified the information.
Product: Debt collection

Repeatedly sending emails to me. 
XXXX that have not been deleted since XX/XX/year> to Now ( XX/XX/year> ) * Switching people sending emails to me when I do not respond.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I applied for a car loan, and during this process, multiple companies conducted inquiries on my credit report. While I authorized the initial application for a car loan, I am not contracted with or affiliated with the following companies that performed these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted credit inquiries without my direct consent or authorization beyond the scope of my initial loan application. I am not in any contractual agreement with them, and these inquiries should not be on my report as they do not reflect any established accounts or agreements. 

Applicable US Codes Supporting My Dispute : 15 U.S.C. 1681b ( Fair Credit Reporting Act - FCRA ) : This section of the FCRA outlines permissible purposes for accessing consumer reports. Inquiries without proper authorization or direct consent violate this provision, as they must be connected to a legitimate business transaction initiated by the consumer.

15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : This section mandates that consumer reporting agencies must block reporting of any information that a consumer identifies as resulting from an identity theft-related incident or unauthorized access.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section, credit reporting agencies are required to investigate disputes and remove or correct inaccurate, incomplete, or unverifiable information promptly.