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

I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ADDRESSES REPORTED below are FRAUD PLEASE DELETE { does not belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) Last payment XXXX XXXX, XXXX Credit limit {$7500.00} { Account is not mine please remove } Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 120 months { Account is not mine please remove FTC police report issued to original creditor Creditor Information XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 24 months Last payment XXXX XXXX, XXXX { Account is not mine please remove FTC police report issued to original creditor Creditor Information DEPTEDXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 300 months Last payment XXXX XXXX XXXX { Account is not mine please remove FTC police report issued to original creditor
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681 1. XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also state a customer Reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency May make any customer report Containing any of the following items of information any other adverse item of information, other than Record of Conviction 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 customer to any customer reporting agency if the person knows or has reasonable causes to believe that the information Is inaccurate.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

Well they sent me a letter stating the debt was paid in full but yet they still haven't notified the XXXX XXXX XXXX XXXX. I received the letter on XX/XX/XXXX. I mean I have to have XXXX XXXX XXXX and this is the last thing I need to be worried about right now.
Product: Debt collection

I received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX
Product: Checking or savings account

I have been dealing with Wells Fargo on accounts which were opened due to sales tactics in the aftermath of my Fathers death in 2010, but they have only dealt with accounts opened under Wells Fargo and not Wachovia. The representatives I dealt with were the same across all accounts and operated as Wells Fargo representatives in a post merger world. They should be looking at those accounts as well. I believe I was charged fees that drained my account and brought the balance to negatives thus accruing more fees.
Product: Debt collection

Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.
Product: Debt collection

someone is using my name and social security to make purchases and I'm unaware of it. i have never heard of " XXXX XXXX '' or " fortiva '' in past and I'm getting debt collection letters from them.
Product: Credit card

I opened an account/tradeline with Discover in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Payment history for account/tradelines persist in credit files for at least XXXX ( XXXX ) years. Failing to report positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. With the onset of the pandemic, I have disputed my payment history through the CRAs for my Discover account/tradeline for specific months since the onset of the pandemic and have observed years of prior payment history removed as part of that process. Such processes unfairly disadvantage those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. Whatever Discover is doing seems outright discriminatory. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of XXXX and Discover is failing to meet its obligations under 15 U.S. Code 1681s2 for my account.
Product: Debt collection

Over the past XXXX XXXX XXXX XXXX, debt collectors have been illegally trying to collect upon an uncollectable debt which XXXX agreed to XXXX  out in XXXX of XXXX as per the attached legally binding agreement between myself and that phone company. The latest debt collector illegally trying to collect is Convergent Outsourcing , Inc. based in XXXX, Washington and these illegal efforts have been ongoing since XXXX of XXXX 

The signatory at XXXX who agreed to write off and XXXX  out this debt agin as per the attached legally binding agreement is XXXX XXXX Executive and Regulatory Services Analyst XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is ruining my credit for no apparent reason. My credit keeps going down every week, 19 points, with no change in report, will also go down for changes that should increase my score, duplicate changes caused erroneous changes to hurt my score more than once, every time I call I get hung up on, or given a phone number bc they aren't allowed to say why this keeps happening, and the number they give me is for a repayment debt agency call center that randomly puts you through to random debt agencies. I have no bad debt. My credit should be increasing steadily like is with the other 2 credit companies our horrible government allows to rule our lives
Product: Vehicle loan or lease

I am being asking for a refund on the Sales Taxes that XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asked me to pay them, but then when I went to the XXXX  XXXX I was asked to paid them again because it was not listed in the bill of Sale. 
Since I paid already twice my Sales Taxes, I am asking for the refund to XXXX XXXX  XXXX. I received my XXXX XXXX on XX/XX/year>, for {$XXXX} including the Sales Taxes amount of {$XXXX. 
2. I sent a check for that amount of {$XXXX} that was received by Chrysler Capital on XX/XX/year> XXXX. I received a Bill of Sale on my mail on XX/XX/year> for only {$XXXX} with Sales Taxes in {$XXXX}. 
4. When I did the change on the XXXX on XX/XX/year> they asked for my bill of sale and since it showed {$XXXX on Sales Taxes, they charged me again the amount of {$XXXX} for the Sales Taxes plus fees I am been calling, sending faxes and asking for refund since then with no success after 6 weeks
Product: Debt collection

XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine. 

" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}. 
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter. 
I need to Terminate the Contract and Need my Money Back from XXXX ASAP. 
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line. 
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX. 

Now, I want cancel XXXX contract without an early termination fee ( ETF ).
Product: Debt collection

All the accounts were paid/setteled. Called over 3 months ago asking for debit validation and all information on accounts and never got a response. The representative seemed not to care why I was calling or cared to validate any information just wanted payment. I asked for signed documents and statements and validation of debt. I have yet to receive anything and its been over 3 months now. I am hiring an attorney and will be making a legal matter as I know my rights and this company has violated several of them
Product: Bank account or service

To Consumer Financial Protection Bureau : I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In late XXXX XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised XXXX AAdvantage miles would be credited to my AAdvantage account that was linked with my Citi AAdvantage Platinum Select credit card. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told to wait for about 90 days and my points would be posted to my XXXX XXXX XXXX account. However, towards the end of XXXX, my miles had not posted and it had been past 90 days. On XXXX XXXX, XXXX, I received a formal letter from XXXX XXXX, Director, Client Research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.
Product: Debt collection

On XX/XX/XXXX I called agency spoke to the account representative at that time XXXX Whom I made a payment agreement to pay the amount of {$3300.00} in monthly installments of XXXX and the Interest on the act will cease and the {$3300.00} will be the only amount I will pay. I then called I believe two months after to reset the payment arrangement because of financial difficulties to $ XXXX/month to go towards the original agreement of {$3300.00} since then all the payment have been automatically made and in every communication made with the same representative it was agreed the payments were going to the same arrangement then representative left the company when I called to check on my balance on XX/XX/XXXX the account was assigned to XXXX XXXX who informed me there was no such agreement to only pay {$3300.00} and the balance due at that time is the amount that I would have to pay I then disputed the account They never send me anything rectifying the dispute then on XX/XX/XXXX I called to confirm if my balance was paid off because I was only charged {$24.00} Same representative XXXX XXXX informed me there was still a balance due with nothing showing that I was only to pay {$3300.00} in total he then said their system had changed and there was no such notes showing that agreement was made. I disputed the account again then on XX/XX/XXXX I was issued a letter stating I have passed the time I had to dispute the account balance and According to section 809 ( b ) of the Fair Debt Collection Practices Act and the balance at this time which is {$1700.00} is due and collection activity will continue. This is unfair collection practices and we need to put an end to it
Product: Credit reporting

I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Product: Credit reporting or other personal consumer reports

These accounts are being disputed because they are not mine and are in my report. 

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

I have been dealing with TransUnion for over two years trying to fix my account. I can not freeze my account unfreeze my account online. It always tells me theres an error. They escalated to a department they say they fix it and nothing happens. Then when I call back in for the same thing, they say I have no credit report which I know I 100 % do supposedly they linked my account with someone else, but I have been dealing with this for two years and still got nowhere with them. The other two agencies are perfect, but TransUnion is a mess.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2024 Subject : Dispute of Unauthorized Withdrawal from Checking Account and Forced Payment Dear XXXX XXXX XXXX, I am writing to formally dispute an unauthorized withdrawal that your company made from my checking account to pay a collection debt without my knowledge or consent. This withdrawal was related to a credit card bill, and I did not authorize any such transaction. 
This action is in direct violation of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which requires explicit consumer authorization for any electronic fund transfers. Additionally, this practice constitutes an unfair and deceptive act under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect a debt, including unauthorized withdrawals from a consumer 's bank account. 
Furthermore, after you illegally withdrew funds from my account, I was forced to make a partial payment under duress to recover some of the debited amount. Subsequently, I received a letter from your company thanking me for making this payment. I want to be clear : this payment was not made voluntarily but was forced in an effort to mitigate the unauthorized debit to my account. Sending a letter of thanks for a coerced payment adds to the violation of both the FDCPA, 15 U.S.C. 1692d, which prohibits behavior that harasses or abuses consumers, and 15 U.S.C. 1692e, which prohibits deceptive practices in the collection of a debt.

I demand the following : 1. Immediate Refund : Refund the full amount of the unauthorized withdrawal from my checking account within 7 days.

2. Correction of Records : Correct any record that reflects this forced payment as voluntary.

3. Investigation and Documentation : Provide me with any documentation or proof of my explicit authorization for this transaction, which I maintain does not exist.

4. Cease Further Unlawful Actions : Stop any further unauthorized actions or attempts to collect funds in violation of federal law. 
If these issues are not resolved promptly, I will have no choice but to report these violations to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and explore legal remedies for damages caused by these unlawful practices. 
Please confirm in writing that the matter has been resolved, the funds have been refunded, and corrective actions have been taken. 
Sincerely XXXX XXXX
Product: Checking or savings account

Signed up for a checking account, received over {$6000.00} in direct deposits and never received the {$450.00} bonus.
Product: Debt collection

XXXX XXXX XXXX representative, XXXX XXXX, is contacting me about a debt that I've asked him to validate because I have no knowledge of it. He says he's calling on behalf of Cashnet USA. I asked for a copy of the application which he refuses to send. He's contacting my dad 's ex wife and even if this debt is validated I never authorized anyone to contact anyone other than myself or authorized them to search for contact information for people that might be related to me. I never gave anyone my dad 's ex wife 's number because I don't event know her number. I spoke to XXXX twice and asked for them to validate the debt and all he says is that they're going to report the account to all XXXX credit bureaus and that I have by Monday to make arrangements with him. The call today, XX/XX/2022 was recorded. I have call records where he calls repeatedly and within 3 mins of calls.
Product: Checking or savings account

I tried reaching out to Bank of America regarding fraud done on my account because I my identity was used without my knowledge, after going in person to a branch I received no help at all and no explanation or a change to explain my situation. I tried opening an account and I wasnt able to anymore. I have no bank account and not able to open with any other bank