23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of  payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge for XXXX for XXXX XXXX XXXX from a my weld Fargo bank my check book was stolen and this is a incorrect report on my credit
Product: Debt collection

I have recently obtained a copy of my credit report. it showed a charge off by your company " Sync/XXXX XXXX '' that I do not recall. The last time it was reported was XX/XX/2015.
Product: Mortgage

Attempts to resolve this directly with the bank were escalated to the office of the Chairman but proved unsuccessful. A complaint was then filed with XXXX. The Bank did not respond to this. XXXX phone calls were then placed to the office of the Chairman this week and were not returned. Finally, the OCC was contacted and a complaint filed. OCC referred me to this agency. Following is a transcript of the complaint that was filed with the XXXX : 1. An application for a home equity line of credit ( HELOC ) was made based upon a promotional rate at the branch. 
2. An agent of Citizens bank, XXXX XXXX, took the application during which he was informed that the house had been listed for sale and asked if this would present a problem. The agent advised that having the property listed for sale would not present any problem. 3. In reliance on the agent 's advise, the property was not delisted and the loan was conditionally approved. 
4. On XXXX/XXXX/XXXX, coincidentally the same day the Federal Reserve announced its first rate increase since XXXX, the loan officer called and now stated he was mistaken and the loan approval was now reneged due the house being listed for sale. He admitted advising me incorrectly ( see attached emails ). 
5. I asked if delisting the house would allow the loan to then proceed to close and the agent stated it would. In reliance on this advice, agreed to delist the house, but requested a commitment in writing that the bank would proceed. 
6. The agent of the bank called back about an hour later now stating Citizens would not proceed as the house would have to first be delisted for 90 days. The agent was apologetic and acknowledged he advised me incorrectly XXXX at the time of application and then an hour before. He admitted he is new to Citizens bank and another loan officer might have correctly advised me to first delist the house, at which point there would not have been any issue with closing. 7. The entire matter was escalated to the office of the chairman. This office declined to offer a compromise solution. 
8. Since filing the complaint through the state agency XXXX, the bank has not responded to the complaint. XXXX phone calls placed to the office of the Chairman in the last week have gone unreturned. 
9. The home has been delisted and is not longer for sale. 

The relief sought is to compel Citizens to waive the 90 day delisting rule and honor the promotional rate that was promised. 

Following is a copy of an email from the bank agent admitting he provided false and misleading advise which resulted in this dispute : On XXXX XXXX, XXXX XXXX XXXX, " XXXX, XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, I am in receipt of your email and have forwarded it to my branch manager, XXXX XXXX. Please note, I am not a Loan Officer, as titled in your formal complaint. My title is XXXX. XXXX will reach out to you once she has reviewed your complaint and will escalate it accordingly. Please feel free to contact me with any questions. 
And again, my sincerest apologies for the misinformation. 
XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX No contact information has been reported by this creditor. 
On XXXX. XXXX, 2020, HYUNDAI MOTOR FINANC add a hard inquiry on my credit report per XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am out of work due to XXXX related XXXX and my mortgage payment went up to amount I can not afford. Keep in mind I have been having 5 years ' worth of issues with this bank over pandemic relief lies ( Wish I could afford a lawyer and still looking into this. ) I called before my increased payment was due and they adjust it lower with a modification that would require 3 trial payment in XXXX, XXXX, and XXXX. I have made all XXXX payments on time and called to confirm this with US Bank. Now they reported to credit bureau 's that I missed XXXX, and XXXX payments which is 100 % false and as they stated all 3 payments where received over phone call, and I have transaction proof. Now my credit is ruined due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting this account as charged off. Capital One can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with Capital One is not public information and should not be released to XXXX. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore XXXX does not have my written consent to release my non public financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed accounts are being included in the credit score calculization. It says that the utilization of. Reset is based on how much credit is being used out of the available open accounts. They are including closed accounts in my score and it is not calculating my score properly.
Product: Credit card or prepaid card

I received an email offer from XXXX  for their XXXX  Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX  Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do.
Product: Checking or savings account

I opened an Experian online account on XX/XX/2024to unfreeze my credit, which I had frozen several years prior online using a PIN, not an online account. 

I opened the account because I assumed that was how I could unfreeze my credit and didn't notice that there was a Digital Checking " Smart Money '' account that went along with the online account. I realized too late that I couldn't back out of the entire process to remove the Digital Checking account. 

After unfreezing my credit report, I went immediately to close the Digital Checking account, which directed me to a phone number. 

The number was XXXX, so I called them this morning on XX/XX/2024. 

The automated phone handler asked for my account number and SSN. It was able to pull up my account and balance, so the digital checking account existed. 

I went through the automated phone options and picked option 5 to manage my membership. I picked " change my membership '' as the next menu option and was connected to a human representative. She said my digital account didn't exist despite the account existing online and the earlier balance information being given by the automated phone assistant. The representative said she would connect me to a Digital Smart Money account. 

She ended up referring me to the same exact phone number as earlier, so I had to repeat the entire process again. The second representative gave me the same explanation, saying I did not have a Digital Checking account yet and redirected me again to the same phone number. 

This time I did not pick option 5 for membership services and picked option 9 to be directly connected to a human representative. This representative asked for slightly different information than the other two and was able to close my account for me. 

The entire process took over 30 minutes. 

Experian should have made the opening of the Digital Checking account clearer to those opening new online service accounts, especially since many of them only want to deal with their credit report. They should also allow users to close the Digital Checking account online, since they're allowed to open it online. This is obviously a predatory tactic to push Experian products and services onto people. They should have parity with XXXX and XXXX for online credit report services.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that XXXX XXXX XXXX XXXX cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

I am sending this complaint to inform you that I have been a victim of identity theft. I am disputing the account as it was opened without my knowledge, consent, or authorization. Attached is the FTC report from identitytheft.gov for your reference. 

Please proceed with disputing the account, as it was initiated without my knowledge, consent, or authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

An agreement was signed with XXXX security to provide equipment and service. This was a cross-sale from setting up XXXX XXXX XXXX when moving to a new location. Due to XXXX not sending the equipment to the correct address, not providing follow up about the equipment or service until after their XXXX money back guarantee expired, and proceeding to bill for a service that was never activated is deceptive and unacceptable. After the lapse of XXXX plus days, I initiated the communication to Alder to determine why I was being billed for equipment and service that I never received nor activated. At that time, I explained that I no longer needed the service because I had to acquire a different provider since Alder failed to provide agreed equipment and services in a timely manner. How can XXXX generate a bill for a service that was not provided? I have reached out to Alder directly, I have reached out to the XXXX XXXX XXXX collector XXXX XXXX XXXX XXXX directly, and they state that I owe {$2100.00}. I attempted to dispute this debt with XXXX as well as filed a complain with the Better Business Bureau. I request to ensure that this contract is terminated, and that I not be held liable for this amount of {$2100.00}. I have attempted to terminate this contract on several occasions due to non performance on XXXX end and the only remedy that they provide is to send me new equipment at no cost to me. I do not want this service, I have never used this service, and I want this debt removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/year> I purchased plane seats through XXXX. I tried paying for my selected seats through XXXX, which amounted in {$410.00}. After purchasing my plane tickets and paying for my seat selections through XXXX, I received a notification in my email confirmation stating, " Sorry, there was a problem completing your seat assignment. Your seats are currently unassigned, and any related charges will be refunded. Should you still require seats, they may be requested directly with the airline. '' I then proceeded to pay for my selected seats through the direct airline itself, XXXX XXXX. When I checked my Citibank credit card transaction, I noticed that I was still charged the {$410.00} for the seats through XXXX. I checked again the following days to see if the transaction will be refunded, but it never did. I filed a dispute through Citibank on XX/XX/year>. On XX/XX/year>, Citibank sent me a notice stating that I was responsible. I provided Citibank with my email confirmation from XXXX, which clearly states the refund amount due of {$410.00}. I also contacted XXXX directly on XX/XX/year>. XXXX emailed me back stating, " Regarding your paid seat request which amounting XXXXXXXX XXXX has been rejected.Therefore, the authorization charges should be released based on your bank 's internal process. We also recommend for you to communicate with your bank to determine their internal posting standard process. '' My payment summary of my purchase from XXXX states that I was supposed to be refunded the {$410.00} for the seats.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX XXXX  XXXX - XXXX Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$2400.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$430.00} Account Name : XXXX # XXXX Date Opened XXXX {$0.00} Account Name : XXXX XXXX # XXXX Opened XXXX {$310.00} Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX Date XXXX XX/XX/XXXX -BALANCE {$1800.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$1000.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$990.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$1200.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$130.00} Account Name : XXXX XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$440.00}