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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX  XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them 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, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$760.00} XXXX  XXXX Balance {$0.00}
Product: Vehicle loan or lease

XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, TransUnion, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/ Capital One report my account 30 days late in XX/XX/XXXX. I have never been late on this account and valid payment history and statements validates my complaint. I made a large payment on XX/XX/XXXX of {$500.00}, Kohls/Capital One failed to apply XXXX 's payment and place the total amount of {$500.00} towards balance. This in return cause my account to be reported 30 days behind. This is there error with their automatic system that failed to apply amount due and rest of payment towards remaining balance. I am unable to speak to a live person at Kohls/Capital One, they forward the inquiry to a different department who you are not able to contact directly. This complaint has been filed with XXXX and XXXX, they have resolved this issue. My file with XXXX and XXXX  is showing no late payment history based on supportive documents I submitted to validate perfect payment history since XXXX.
Product: Checking or savings account

I attempted to log onto my online Bank of America account and said my account was locked. I called and they stated they had close the account due to investigation and that the account is closed. The rep also stated they no longer want me as a customer. They did not explain why or even reason for the investigation. I have been with this bank since 2014. I find it very unprofessional why they can not even give me a reason.
Product: Debt collection

Upstart loan was paid as agreed I lost a XXXX and missed XXXX payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to XXXXXXXX XXXX  now upstart is on my report while XXXXXXXX XXXX  is collecting. I don't belive XXXX company 's can collect on the same debit. And I have been paying XXXXXXXX XXXX every month
Product: Bank account or service

I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.
Product: Consumer Loan

On XXXX XXXX, 2017, last date to pay vehicle note before penalty, I received call from Wells Fargo Dealer Services. XXXX ID XXXX informed me of late fee due today. I reminded her that the XXXX day was today and no late fee should be applied. She continued with the amount of the late fee : {$100.00} ; and said that the late fee is added the XXXX day. Why should it even exist when the consumer ( me ) is paying on the XXXX day? I refused to pay her total {$450.00} that includes the said late fee, but paid the monthly {$350.00} ( {$350.00} ) over the phone. 
Each time I have had difficulty with Wells Fargo Dealership and presented my concerns to CFPB, it was resolved with justice.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX  stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card

I I requested a credit card I told the company that I saw a notification on my email where someone was charging my card I reached out to the company Capital One and I told them what was happening one representative told me that she'll take care of it so I called again the second time and they're charging me a fee which I'm aware that I know I have to pay but I never got a credit card or anything for them to be charging me early fee and I believe that's illegal for you to charge someone for something that they never received
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute certain hard inquiries listed on my credit report. I have reviewed my credit report, and I believe that some of the hard inquiries were made without my consent or without a permissible purpose, in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry Type Individual XX/XX/XXXXXXXX, PA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone Phone number not available Permissible Purpose WRITTEN AUTHORIZATION Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Permissible Purpose XX/XX/XXXX, VA XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX, PA XXXX Inquiry Type Individual XX/XX/XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX, PA XXXX Inquiry Type Individual As outlined in the FCRA, a hard inquiry is only permissible when a creditor or lender has a legitimate purpose, and I did not authorize these specific inquiries. Therefore, I am requesting that these inquiries be thoroughly investigated and, if found to be unauthorized or lacking permissible purpose, removed from my credit report.

Under 15 U.S.C. 1681b, any inquiry made without consent or a legitimate purpose constitutes a violation of the law. I respectfully request that TransUnion investigates these disputed inquiries and, based on the findings, removes any unauthorized or invalid entries.

Please confirm receipt of this dispute and inform me of the outcome within the timeframe specified by the FCRA ( typically 30 days ). If you require any additional information to facilitate the investigation, I am happy to provide it. 
Thank you for your prompt attention to this matter. I look forward to receiving your response.
Product: Debt collection

I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

This is my follolw up request for the immediate removal of fraudulent items from my credit report. Despite my previous XXXX attempts to resolve this issue, these items continue to appear on my credit report, causing significant distress and damage to my creditworthiness. This persistent issue has negatively impacted my XXXX XXXX and financial stability. I kindly request that you could help me conduct a thorough investigation into my claim and permanently remove the fraudulent items from my credit report. I expect prompt action and resolution within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section XXXX, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Original debt was from XXXX XXXX XXXX for {$200.00}. XXXX XXXX XXXX sold the debt to Debt Management Partners in 2021 according to XXXX. I received several calls from " XXXX '' the " XXXX XXXX XXXX XXXX '' threatening to arrest me for bank fraud. XXXX also called my husband, both my elderly parents and my employer. I asked XXXX to send me proof of my debt through mail and he refused and continued threatening me. I asked him not to contact me, or my family members, or my employer, but he has continued to do so. Sometimes 10 times per day, leaving threatening messages and telling my employer and family members details about my debt. I called the number XXXX referred me too and a receptionist answers for a company called " XXXX '', but they will not give me a mailing address because " they don't disclose that information ''. The phone number for " XXXX '' is XXXX. XXXX has called me from numerous different numbers.
Product: Checking or savings account

Citi bank sent me a cash bonus offer for opening a Citi checkings/savings account and failed to reward me the bonus even after I completed all the activities. According to the offer terms, I will earn a total {$500.00} account opening bonus for completing the following activities. 

- {$400.00} bonus for depositing {$15000.00} or more in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within XXXX ( XXXX ) days from account opening and maintain a minimum balance of {$15000.00} in the eligible account ( s ) for XXXX ( XXXX ) consecutive calendar days following the date when you made the {$15000.00} deposit ( " Minimum Balance '' ). 

- additional {$100.00} bonus ( total {$500.00} ) for when I complete the required activities above AND, within XXXX days of account opening, you also complete XXXX Qualifying Direct Deposit into the Eligible Checking Account each month for XXXX consecutive months. 

Based on above offer terms, I opened a Citi account back in XX/XX/2020 and completed all the required activities for receiving bonus within the time frame. But, citi didn't deposit the bonus. I contacted Citi customer care and also sent out the W9 as requested. Even after multiple follow-ups, Citi failed to deposit the bonus offer of {$500.00}. Even Citi representative stated that this matter was escalated within their system but I didn't hear back from Citi for months. I have already spent hours with Citi 's customer care on this matter without a resolution. Citi didn't provide any details on why the offer is not yet deposited in my account even after more than 1 and half years. 

This is a deceiving practice from Citi to make customers to open an account.
Product: Credit card or prepaid card

False reporting of XXXX Credit card.. account # starts with # XXXX Balance {$4800.00} remaining. I reached out to this company and they no longer owe the account since XX/XX/21 and they have not reported who exactly owes the account and they can't no longer collect an inaccurate reported account that I never applied for based under the [ 15 U.S.C. 1681 ] on all 3 reports. I had removed them from XXXX and XXXX and now they are back ( totally unfair and points removed and no credit was applied for ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.