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

CREDIT REPORTING AGENCIES- XXXX XXXX AND EQUIFAX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Debt collection

XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX 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

ABSOLUTE RESOLUTIONS INVESTMENTS, is in violation of multiple laws set forth by Congress in regards to the following account # 's ending in XXXX & XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( ABSOLUTE RESOLUTIONS INVESTMENTS ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, ABSOLUTELY RESOLUTIONS INVESTMENTS must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In ABSOLUTE RESOLUTIONS INVESTMENTS terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of ABSOLUTE RESOLUTIONS INVESTMENTS nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On the XX/XX/XXXX I happen to check my account to find out it was over drafted. No notice was mailed to me. emailed to me or even a phone call. I have there mobile app seen no notice of it. So I spoke with someone at Citizen online banking and they credited XXXX and XXXX and told me I had to pay other overdraft of XXXX . I had my girlfriend who is also a citizen bank account holder to transfer me XXXX $ to correct the XXXX $ charge and pay the XXXX $ fee remaining for overdraft. We used XXXX which I called and was told my account and my girlfriends accounts are both verified and transaction should have occurred in minutes. Citizen bank made it take a day. Boom another XXXX $ charge. I went to my local branch the lady at counter was nice I explained my situation this was about XXXX on XX/XX/XXXX she credited my account XXXX $ to fix it yet again. I checked my account at about XXXX said XXXX and I was happy finally. figured it was good I was good. Wrong. Check my account now XXXX XX/XX/XXXX - {$36.00} they hit me with another overdraft fee for no reason nothing is posted to my account other then what is listed below. 3 days of dealing with this bank and we are going no where with a resolution now id like to close my bank account out after this is over to protect my self from a predatory monetary system. Gon na attempt to resolve this tomorrow again but if they try to hard hand me again I'm getting a lawyer and contacting my state senator. Was told the FDIC was a trusted organization I hope so. 

XX/XX/21 Fee Rebate Dda Credit {$30.00} {$0.00} XX/XX/21 Debit Memo Sustained Od Fee - {$30.00} - {$29.00} XX/XX/21 Direct Deposit Citizens Bank N {$70.00} {$0.00} XX/XX/21 Preauthorized Debit XXXX Inst Xfer - {$32.00} - {$69.00} XX/XX/21 Fee Rebate Fee Rebate {$30.00} - {$37.00} XX/XX/21 Fee Rebate Fee Rebate {$37.00} - {$67.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$100.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$74.00} XX/XX/21 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} - {$44.00} XX/XX/21 Preauthorized Debit < -- - When overdraft happened. 
XXXX Inst Xfer - {$10.00} - {$7.00} XX/XX/21 DBT Purchase XXXX XXXX XXXX Co XXXX - {$10.00} {$3.00} XX/XX/21 POS Debit XXXX XXXX XXXX Dc XXXX - {$69.00} {$13.00}
Product: Debt collection

Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, Transunion, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCTXXXX XXXX XXXXXXXX AMOUNT- XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries are all fraudulent accounts and credit inquiries, some of the fraudulent accounts and credit inquiries are from the XX/XX/XXXX Equifax data breach : XXXX   XXXX XXXX XXXX, {$25000.00}, XXXX XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXX XXXX, {$6100.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX, XXXX, {$26000.00}, XXXX XXXX XXXX XXXX, {$8500.00}, XXXX XXXX XXXX XXXX, {$37000.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX, XXXX XXXX XXXX XXXX , XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date CITI, XXXXXXXX, and XXXX are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the CITI CARDS to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date CITI CARDS failed to provide documentary evidence. CITI Failed to respond at all. 

I made a request to XXXX to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did XXXX provide documentary evidence. XXXX denied my request. And has failed to remove the inaccurate information I made the same request to XXXX to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. XXXX failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Checking or savings account

Hi there! I opened a Citi XXXX checking and a saving account with Citibank on XX/XX/XXXX to take advantage of an offer where if you deposited {$50000.00} you received a {$700.00} bonus. The process to open the account and fund the account was extremely difficult and the customer services was less than ideal. I also had to go through an extra process to validate my home address which was complicated by the fact I was moving. 

The process to validate my account took Citibank such a long time that by the time I funded my account with {$60000.00} on XX/XX/XXXX, I was deemed ineligible for the {$700.00} bonus. 

Because of the unhelpful customer service and ineligibility for the cash bonus, I wanted to withdraw my {$60000.00} from Citibank and close my accounts. I was told that I could only withdraw {$15000.00} per month to an external account. Given that would take 4 months to withdraw all my funds, I was told the only way to get my money back was via wire transfer. On XX/XX/XXXX, I made a request for a {$50000.00} wire transfer to my main checking account with another institution ( the maximum allowed ) and then a regular external transfer of {$10000.00} for the remaining balance. 

Two hours later, I got a call from Citibank stating that my actions were fraudulent. The representative accused me of not being the account holder, and hung up on me. My account is now locked and now I do not have access to the {$60000.00} in my Citi XXXX checking and savings accounts. I tried calling Citibank back on XX/XX/XXXX and after over an hour on hold on the phone, they were unable to assist me in transferring my money back to me.
Product: Credit card

I filed a dispute when I was not getting a refund for cancelled services. The us bank dispute resolution representative stated they would wait to credit my account to give this merchant time to refund my money. My money was refunded by the merchant in the form of a paper check. Which was immediately deposited and then electronically transferred to my us bank card account. Us bank never issued a provisional credit from this dispute as it was settled before that took place. I recently received notification from us bank that they were reversing the credit. Which is a problem as now Ive been double charged. Us bank disagrees with this. The running balance was never credited for the amount of the dispute. And now us bank has decided to double charge me.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX  Resergent LVNV FUNDING, due to the account does not belong to XXXX XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # Account number XXXX, all have 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 instructions.
Product: Debt collection

I have a derogatory account reporting on my credit that is not mines. I do not recognize this account and neither have I ever opened this account on my behalf. The information being reported is inaccurate and does not match me. I have reason to believe this is a result of an identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings my complaint is driven by XXXX XXXX lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted XXXX XXXXXXXX to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are two alleged debts that they are reporting on my consumer profile both are Collections according to my Experian Profile, I have disputed these accounts numerous times with Experian and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my Experian profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to XXXX  XXXX on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated One is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX  against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies XXXX XXXX and Experian for due process by law I need these accounts deleted and Cease and Desist from any and all future
Product: Payday loan, title loan, or personal loan

I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX  and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received 3 credit alerts telling me that Square Capital LLc. ran a HARD credit pull on my personal credit report. I did NOT authorize this and I HAVE NOT applied for any products, loans, credit, or information.