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

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXXXXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 19. XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

Opened account with Citibank in XX/XX/XXXX due to a flyer advertising a {$400.00} bonus when holding a balance of {$15000.00} for 60 days. Deposited {$15000.00} on XX/XX/XXXX. Kept {$15000.00} in account until XX/XX/XXXX ( 71 days ). Was supposed to receive bonus within 90 days of fulfilling terms. Still have not received bonus as of XX/XX/XXXX. 

Contacted Citi Customer Service via Chat on XX/XX/XXXX. Representative stated that Citibank does not start counting the 60 days until the XXXX  day of the account being opened. There was no mention of this on the flyer nor the landing page. Unfortunately, I did not keep the flyer nor screenshots of the landing page. However, I did find a screenshot online of the same offer with an end date of XX/XX/XXXX. The same offer was extended to XX/XX/XXXX. 

I have attached the screenshot of the offer 's landing page. The landing page only states that you must " maintain the minimum balance for 60 consecutive calendar days. '' It seems like this landing page was made to be purposefully misleading as Citi has since updated the landing page of their new, similar offer to more plainly lay out that they start counting on the XXXX day. I have also a screenshot of their new landing page as the representative repeatedly pointed me to it.
Product: Debt collection

Please reference complaint XXXX. The reply from the company was a lie. I have proof that they called. I will provide a screen capture of my phone record from that day. They broke the law, harassed the other person who answered my phone, and proceeded to give that person personal information about me without verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act, These Creditors : Avant LLC/WEb Bank . XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Product: Mortgage

My mortgage loan # XXXX with US Bank Mortgage was paid in full on XX/XX/2020. I called customer service today and spoke with XXXX who acknowledge that the loan had been paid in full and said that I would receive my escrow funds ( almost {$4000.00} ) in 30 days or near the end of XX/XX/2020. She could offer no explanation for the length of time other than to note that a check had to be mailed. I should be able to receive a my escrowed funds in a commercially reasonable time or one to two weeks. It is not fair to keep this money for that long.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX on my credit report with Experian. The account in question is still reporting under my name and social via my personal credit profile.
Product: Credit card or prepaid card

I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX   in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.
Product: Checking or savings account

Several unauthorized withdrawals from my account was made. The companies and amounts are listed below. 
XXXX XXXX XXXX XXXX Payment- {$97.00} & XXXX XXXX- XX/XX/XXXX - {$310.00} XXXX- XX/XX/XXXX - {$240.00} XXXX XXXX  XXXX XXXX - {$210.00} XXXX {$970.00} I disputed these transaction with PayPal informed them that they were unauthorized. PayPal denied my dispute and said they were consistent with my PayPal payment history. I appealed the decision and informed PayPal that they were not consistent with my PayPal payment history. I only use PayPal to transfer to my federal reserve XXXX XXXX  XXXX account and receive Payments.
Product: Credit card

We wish to file a complaint against Dillard Card Services and Citibank.

We closed our Dillard card several months ago BEFORE Citibank took over providing card services. Imagine our surprise when we were issued a new Citibank card for Dillards department stores on this closed account.

We were unable to close it right away as Citibank had not set up a processing unit for Dillard cards. We were finally able to close it today.

This leaves us with questions for them and the CFFB. 

XXXX Who are they to issue credit cards against closed accounts? No permission, no signature, no request. 

2. How many thousands of other former Dillard card holders did they issue cards to? Did they issue them to all closed accounts?

This harks back to the bad old days when credit card companies sent you cards without permission. These cards need to be cancelled and penalties assessed against Dillards and Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

Company has not provided verification of original debt and continues to report collection as new account. I have not had a XXXX XXXX card in 5-6 years.
Product: Credit reporting or other personal consumer reports

I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item XXXX5usc i68 ( civil liability for willful non compliance.
Product: Debt collection

I have been receiving as many as ten calls a day from various XXXX area code numbers. I called back and was told the agency was collecting on behalf of XXXX XXXX. I told the agency that I had nevery heard of XXXX XXXX and I wanted to see a copy of the contract. The said they could not produce a copy of the contract. I asked the agency to stop calling me as is my right under FDPCA and they refused. I asked the name of the agency since that information wasn't provided in any of their voicemails and they reused to provide either the name or address of the agency. When the agency called me today I asked them to send me a letter since was my only method of finding out who they were. They sent the letter which has an address from at least six years ago. Again I don't knw who XXXX XXXX is. from : Forward Movement Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Payment Arrangement I would be happy to provide a copy of the letter. I happen to be in the collection industry and the agency 's failure to provide me with documentation is an FDPCA violation. 

Again, I do not know who XXXX XXXX is and this agency refused to provide any documentation. The agency has a six year old address and I have not received any written notices. The balance letter the agency sent me does not have any language that complies with the FDPCA rules. This is the sort of tactic that in my opinion the CFPB was created to stop. 

Thank you XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX orgingal creditor 11 SPRINT ) 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 card or prepaid card

My wife has one and I have two credit card accounts through Upgrade Card ( XXXX XXXXXXXX XXXX ). I also have a personal line of credit account through them. 

Upon checking all of our accounts after an unrelated data breach occurred in XXXX, my wife and I noticed a series of documents in our portal labeled Promissory Note - dozens and dozens of them. Even more curious, the execution of these promissory notes were done by the lender using Attorney of Record privileges. Further, we never received any Truth in Lender statements for these numerous promissory notes nor did XXXX exist within the Document portal at Upgrade.com. 

Since my wife has her own unique accounts with them, she called to enquire about all of these promissory notes and the lack of TILs, to which she was told that promissory notes are just a customary thing and that Upgrade would disregard the promissory notes when the loans had been satisfied in full. When asked what our actual balances were, the CSR declined to answer due to account security reasons - after they had authenticated us as the account holders. 

While it is explained that Upgrade works differently than conventional credit card products, nowhere could we find any information about numerous promissory notes being created and executed by a power of attorney on our behalf. We also couldnt find any verbiage that exempted them from XXXX  disclosure. 

In my review of the documents provided upon open of the account, draws being made, promissory notes, attorney of records, and XXXX, I do not believe the Upgrade Credit Cards to be a legal debt. In both of our cases with these cards, weve.not used them in months, have paid more than the minimum, and the balance will not decrease. 

These credit cards arent credit cards at all. Each time they were used a new 3-year term personal loan document was created ( with interest pre-compounded ), then the document was executed by an entity whom we didnt give explicit permission to act on our behalves- all the while NOT giving us the Truth in Lending documentation required under law. 

We have phone recordings as well as our account documentation we are happy to share if necessary.
Product: Debt collection

Hello Sir/Ma'am I requested the purchase agreement and or some form of debt validation letter and have not received anything or heard from anyone and as a result would like the deleted from my credit report on all 3 bureaus, XXXXXXXX XXXX XXXX XXXX 

I mailed the letter in XX/XX/year> and it has been over 30 days with no response. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and accounts which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} -- -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$210.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$370.00} XXXX XXXX -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed XXXX {$210.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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 XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

Chase sent me an email stating that if i refer someone for a credit card. I would get {$100.00}. I did exactly what i was suppose to. I sent a email to the person i was referring. That clicked on that email and was approved. I received and email from chase that i was going to get a {$100.00} credit on my next statement. This never happed. I contacted chase via XXXX and secure messaging. They didn't seem interested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, XXXX and TransUnion credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, XXXX and TransUnion are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Product: Credit reporting or other personal consumer reports

SECTION 605 B SECTION 15 U.S.C. 1681 i am writting to formally request the removal of fraudulent accounts and inquires from my credit report immediately my information has been exposed in multiple DATA BREACHES as a result i an a victim of identity theft. Fraudulent Inquires : US POSTAL SERVICES XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX