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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This debt was incurred in 2021 during the COVID 19 pandemic. I was unable to work due to having to XXXX XXXX  my child who has XXXX XXXXXXXX. I alerted Portfolio Recovery Associates , LLC of my circumstances. After I let them know of the circumstances, the debt was removed from my credit report, only to show up again a time later at a higher amount. Portfolio Recovery Associates , LLC calls me every single day from different numbers ( I block one, they call from a different one ).
Product: Consumer Loan

Called Cashcall to inform them that there will be no funds available in my checking acct. I was transferred to a department who made an arrangement to have funds withdrawn on XXXX/XXXX/16. I was emailed a letter to confirm my arrangements. My account was drafted on XXXX/XXXX/16. Called Cashcall requesting a funds reversal for their breach in arrangement. Manager was not willing to help. I honor my monthly payments and always comply and they were not willing to help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : EXPERIAN BUSINESS CREDIT. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

This is a continuanance of case : XXXX which was unresolved They sent me a file boiler disclaimer. 
It did not address the {$600.00} owed me as mentioned on their voice robot! 

And they did not mention how they miss-handled purchases XXXX through XXXX of next month that should have been in pending. 
But they processed those purchases without using a full XXXX day pending! 
And this caused unnecessary compound interest against those less than 28 days purchases! 



I request a full CFPB audit of their process of policies, And Operating Procedures, And Fair Banking and credit card procedures! AS A BASE TO AUDIT : ( XXXX ) WHAT WOULD my STATEMENT FOR XXXX HAVE BEEN IF THE PURCHASES MADE ON THE XXXX AND XXXX HAD BEEN GIVEN XXXX DAYS IN PENDING? AND WITH THE XXXX PAYMENTS I MADE TRYING TO OBTAIN A XXXX BALANCE. BUT AS IT TURNED OUT, THE RESULTS APPEARED WITH MUCH CONFUSION? 

AND OF COURSE, HAVE THEM DO THEIR OWN CALCULACTION, AND YOU XXXX PERFORM YOUR OWN CALCULTIONS FOR FAIR COMPARISON! THEN SEE IF THIS IS FAIR! 

TODAY, I KNOW I NEED TO MAINTAIN A XXXX BALANCE WITH THIS COMPANY AND TO " NOT MAKE ANY PURCHASES DURING THE XXXX TO THE XXXX OF THE NEXT MONTH! AGAIN .... " XXXX BALANCE AND NO PURCHASES DURING THE XXXX THROUGN THE XXXX OF THE NEXT MONTH ''! UNTIL I CAN SWITCH TO AN HONEST COMPANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-Equifax- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized Inquiry XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXXCompany and date of unauthorized InquiryXX/XX/XXXXBusiness CRED - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX Business CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Sent recent XXXX request to servicer for mortgage assistance my bills are less, and my financial circumstances have changed. My servicer received XXXX XXXX XXXX XXXX  from Tennessee state government XXXX 2024 to reinstate my mortgage, XXXX months of mortgage payments too. I feel I am being discriminated against because of being a XXXX woman on XXXX. My bankruptcy has been dismissed giving me additional income. They are not reviewing my request
Product: Debt collection

This collections office has contacted me numerous times by phone after being told not to. This included XXXX separate instances where the office called my house literally less than a minute after I instructed them not to call back, the most recent on XXXX XXXX, XXXX at XXXX and XXXX The other instance was during XXXX and I do not have the exact date as my home phone only stores a finite number of incoming calls. 

The calls were more frequent and persistent last year, until I sent the letter on XXXX XXXX, XXXX explaining that the contract was null and void. The collector stopped calling for a few months and made no response contesting my statements about the validity of the contract and reasons for making those statements. 

Now they have called me several times in the past month, including the XXXX calls less than a minute apart, and are threatening legal action on an invalid debt. This has to stop and these people have to be shown that what they are doing is wrong and tortuous.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a business account online with Truist for my company XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXs. I deposited a check on XX/XX/XXXX. The account was flagged and my deposit on hold. I went into the bank and provided documents like Certificate of Existence, Article of Incorporation from the Secretary of State. I've been calling everyday to see what is required to clear this check. They told me I needed the issuer to submit a notarized letter, and provide proof of address on the check. I did that. I went into the bank and the branch leader emailed all of these documents. I even provided copies of checks from XXXX, XXXX, XXXX that I have deposited at my XXXX account with the same business name and address. I am calling everyday but they have not released my funds. The issuer even provided me a copy of where Truist has taken the money from their account. So Truist has the funds but still won't release it to me. I have went into the branch several times but they really can't help. They said the Fraud department is managing the case. Every time I call the Fraud department I am speaking to a new person. I am calling everyday and I am getting no where. It's not fair that Truist gets to keep my money and my life is ruined. It's been 4 weeks and they continue to give me the run around. This is making me sick and depressed. I have provided everything they requested.
Product: Debt collection

Purchased a car in 2013. The car was stolen and vandalized. The insurance company total the vehicle out. I also had GAP insurance on top of my regular insurance. Whatever my regular insurance didn't pay for GAP took care of the rest. {$21000.00} total and a balance of {$11000.00} is still on my credit report and this is false. This account has been taken care of by the insurance company and closed.
Product: Credit reporting or other personal consumer reports

Under Massachusetts General Laws Chapter 266, Section 37E, identity fraud is explicitly prohibited. This statute criminalizes the unauthorized use or possession of another individual 's personal identifying information with the intent to defraud, subjecting offenders to penalties including imprisonment for up to 2.5 years, fines up to {$5000.00}, and mandatory restitution to victims for financial losses incurred. 
Massachusetts Legislature In addition to the protections afforded by this statute, I am seeking assistance under the following legal frameworks : Fair Credit Reporting Act ( FCRA ) : This federal law mandates that credit reporting agencies correct fraudulent information on credit reports within a reasonable period, assisting victims in removing inaccurate data. 

Fair and Accurate Credit Transactions Act ( FACTA ) : This act provides consumers the right to request a free credit report annually from each of the three major credit bureausEquifax, XXXX, and TransUnionand dispute any fraudulent information resulting from identity theft. It also allows consumers to place fraud alerts and security freezes on their credit reports to prevent further unauthorized activity. 

Massachusetts Data Security Regulations ( 201 CMR 17.00 ) : These regulations require businesses to implement comprehensive written information security programs to safeguard personal information of Massachusetts residents, aiming to prevent identity theft and related fraud. 
Wikipedia To address this matter effectively, I have taken the following steps : Filed a Police Report : Reported the identity theft to my local police department to document the crime officially. 

Contacted the Federal Trade Commission ( FTC ) : Submitted a detailed complaint to the FTC, which assists in investigating and mitigating identity theft cases. 

Notified Credit Reporting Agencies : Placed fraud alerts and security freezes on my credit reports with Equifax, XXXX, and TransUnion to prevent further unauthorized access. 

Reviewed Credit Reports : Requested and reviewed my credit reports to identify and dispute any fraudulent accounts or transactions. 

Despite these efforts, the repercussions of the identity theft continue to adversely impact my life.
Product: Debt collection

I received a Notice of Amount Due from LJ Ross Associates, Inc. dated XXXX XXXX, 2017 for {$97.00}. The notice does not look like a valid collection notice, my name was spelled incorrectly, address incorrect, and the Current Creditor, XXXX XXXX XXXX, was a name of a utility company that does not exist nor have I used in the past. When I called within 30 days to ask for validation of the bill, they refused to validate and would only make statements that were false and inaccurate. The dates and circumstances that they cited with regards to verification of this event were inaccurate. They gave me an incorrect creditor and I feel that this entire collection notice is false and extremely deceptive. I want validation and statement showing that the debt is truly mine. I am disputing that this debt is valid.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting 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 the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

This company Santander Consumer USA are theives and liars. They rip-off the american public. IF YOU RESEARCH ON THE INTERNET ie Rip-off report and XXXX in the XXXX area or nationwide area you will see THOUSANDS of complaints for them.!! They charge outrageuous fees, extend installments, repossses your car even though payments are made!! Goes on and on. READ ALL OF THE COMPLAINTS ON THE INTERNET & gt ;!! Something has to be done about these people.
Product: Credit reporting or other personal consumer reports

it is reported that I have criminal charges that are false and inaccurate. I applied for a loan and was asked to explain charges being reported that I have 100 percent no knowledge of and some that are reporting 100 percent inaccurate. I have no associations to any felony crimes. this is a harsh misrepresentation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that is called First Access card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA.

Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages.

To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from Innovis regarding the deletion of the account.

Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Full Name ] Enclosures : 1. Copy of confirmation from Innovis regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) XXXX. Any additional supporting documentation
Product: Credit card

Hello, I have a new Citi XXXX XXXX XXXX credit card. On the XXXX website, they advertise that the XXXX for this card will be 21.24 % XXXX % *based on credit worthiness*. 

I have " very good '' credit ( as categorized by XXXX, the company this card uses to check credit worthiness ), so I was alarmed when they assigned the highest rate -- 29.99 % as my introductory XXXX. 

According to the paperwork Citi sent me with my new card, my XXXX XXXX ( XXXX ) was XXXX at the time the card was issued ( in XX/XX/ ), and according to the Citi website, my credit score is XXXX as of today ( XX/XX/ ). 

Additionally, on my statement, Citi identifies 29.99 % as their " XXXX XXXX ''. 

I called their XXXX number today, and the first representative I spoke with said the only XXXX option available in his system is 29.99 %, so while he understood the reasoning for my concern, he was unable to offer me a better XXXX. 

I asked to speak with his supervisor, who told me that he was unable to explain why " the computer '' had set my XXXX at 29.99 % and there is no one above him who I could talk to about this. 

There are XXXX parts to my complaint : ( XXXX ) it appears that Citi is not actually offering the range of interest rates that they advertise for this card. If someone who has " very good '' credit isn't getting at least a slightly better rate than the " XXXX XXXX '', is their advertising honest? 

And ( XXXX ) If a customer has a concern about the rate they are being charged, it appears that they have no recourse, as the chain of command ends with someone who says there is nothing he can do because a computer makes decisions about rates. On this note, I found it concerning that when I mentioned that a human must be programming the computer, he told me I should not jump to conclusions like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on at least three different occasions for XXXX XXXX XXXX to send me paperwork to validate the debt they claim that I owe on my Equifax XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in XXXX XXXX XXXX has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.