23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. XXXX has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to XXXX, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from XXXX to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXXor XX/XX/XXXX. And XXXX XXXX who took over XXXX verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
Product: Checking or savings account

Just in the past 90 days Wells Fargo charged me 4 overdraft fees that are not legitimate. 2 of the fees had occurred when I transferred money from my checking account to my saving account, both accounts are Wells Fargo. I wouldn't have been able to transfer the money if it was not available! The other 2 fees were when I XXXX my husband, also... I wouldn't have been able to process the XXXX transactions if the funds were not available at that moment. I attempted to contact Wells Fargo and they were of no help! The young man just said Sorry for the inconvenience a dozen times. I had explained that I understood that had a check been outstanding or something, overdraft fees can happen, but both these actions happen in real time and would have been stopped if the funds were not available at that moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge differenceXXXX XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

I opened a Citi savings account two weeks ago and deposited over $ XXXX from my other bank accounts ( XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ). I made no withdrawals and never used the included ATM card. Today I was unable to access my account so I contacted Citi customer service and they informed me that my account has been blocked and marked for closure due to a " fraud suspicion '' that Citi was not allowed to disclose with me. The Citi service representatives would only say lines from a script about the account blockage & closure, stating that the " details of the procedure can not be disclosed with consumers ''. Several cycles through Citi customer service provided me with no more information about the status of my funds or my ability to recover them other than that I would theoretically receive a check in 30-60 days, but Citi would not tell me how much the check would be for, including the possibility it could be XXXX. It is 95 % of all my money outside of my IRA and now I'm unable to access it in order to pay my rent and bills for at least 30 days, with no guarantee that I will ever recover that money at all.
Product: Credit reporting or other personal consumer reports

Experian XXXX box XXXX, XXXX, TX XXXX. 





XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Dear, Experian I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter.
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 XXXX XXXX XXXX XXXX XXXX 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 ina
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN 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 XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under several provisions of U.S. law regarding the handling of my personal information. According to Section 602 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to manage their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I am entitled to ensure that my private information is not disclosed without my explicit consent.

Furthermore, Section 6801 of the Fair Credit Reporting Act ( 15 U.S.C. 6801 ) mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. XXXX XXXX XXXX, as a financial institution, is bound by this obligation. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. Neither XXXX XXXX XXXX, Equifax, nor XXXX has my written consent to disclose my information. Thus, I revoke any and all forms of consent previously given, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, Section 6802 ( b ) ( c ) of the Fair Credit Reporting Act ( 15 U.S.C. 6802 ) prohibits a financial institution from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to opt out. XXXX XXXX XXXX  has not provided me with this necessary information. 

Moreover, Section 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits the inclusion of adverse items of information that predate the report by more than seven years. The adverse account in question is being reported in violation of this provision.

Section 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires that a person furnishing information to a consumer reporting agency must ensure its accuracy. Section 1681e mandates that consumer reporting agencies maintain procedures to avoid violations and restrict the furnishing of reports to permissible purposes. Equifax and XXXX are not adhering to these requirements. 

Furthermore, 12 CFR 1016.7 allows consumers to exercise the right to opt out at any time. I am formally opting out of your reporting services.

Please take immediate and indefinite action to address these concerns and ensure compliance with all applicable regulations.
Product: Debt collection

On XX/XX/XXXX, I received a notification that tLockhart, Morris & Montgomery , LLC was trying to collect a debt of {$100.00} on an account from XXXX. I returned the notification with a dispute of charges the same day. I received a call from this company a week later and advised that I had submitted a written dispute of chArges. I was told it was my account and I needed to pay it. She could provide me with a copy of the bill. I told her to mail it to me. I have heard nothing from this company until Monday XX/XX/XXXX, when I received a notification that this company had placed a collections on my credit report. I disputed the collections account on with XXXX. On XX/XX/XXXX, I received a letter from the collections company dated XX/XX/XXXX stating they were not able to confirm this as my debt and would be closing the file. However it was sent as a reported collections during a dispute and after the collection agency confirmed they could not confirm this as my debt. Under the fair credit reporting they are not supposed to report a collection account until the dispute is completed. I have contacted the collection agency and advised them of my rights. They have said they will put a rush on the removal from my credit reporting within XXXX hours. This is an unacceptable practice and the company should be held responsible for their actions.
Product: Credit card or prepaid card

A card was open as a result of identity theft. When I discovered the fraud I file a FTC report and disputed the account. It was blocked my report but later Comenity bank Victoria secret came back and placed it on my credit report. They stated it was up to me to figure out who did and try to get the person to confess and transfer the debt in their name. I also ask for the copy of the original contract and they have failed to provide it to me. I will like this company be help responsible for the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit immediately
Product: Debt collection

Closed. {$1100.00} written off. 
Status updated XXXX XXXX Highest balance {$1100.00} Monthly payment {$0.00} Last payment date XXXX XXXX XXXX I went to court about this account and I paid {$1300.00} in a result of this account. It was supposed to be removed from my credit file years ago. And the company refuses to remove it from my file.
Product: Credit card

I am paying for a high end card the citi prestige card and one of the advertised benefits is the 4th night free 2x a year. You book for 4 nights and pay for 3 nights.

The issue is the prices to receive this paid for benefit with my card are incredibly high. For example, the pattern is that citi is asking me to pay super inflated prices per night to get the 4th night free. This applies for any hotel around the world. This renders the benefit useless. I am paying for a premium card, a heft XXXX a year card and not receiving the benefit. It is a scam. How can I receive the 4th night free if I have to pay 1.5x the price of what is offered on the hotel site directly or ironically with your partner XXXX? It is not a real benefit and highly deceitful. I will not provide tons and tons of examples but search for any example online on the hotel 's website and then compare to the inflated prices on citi.com This is a scam I complained on XXXX, someone called with no authority and left a message. 
Who is going to use this " benefit '' and pay more to get the fourth night " free '' instead of paying less to book direct with the hotel instead of citi.com
Product: Credit reporting or other personal consumer reports

Ive noticed a numerous errors after receiving and reviewing my credit reports. XXXX, Experian, and XXXX are alleging that the following accounts below are reported to be LATE or POTENTIALLY NEGATIVE without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of LATE or POTENTIALLY NEGATIVE information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 
In addition, urgently request produce and deliver a contract between you XXXX, Experian, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf. XXXX, Experian, and XXXX violated Privacy Act of 1974 ( 5 U.S. Code 552a ) & 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit card or prepaid card

My paypal account has an added insurance protection called buyer 's protection. I was approved to use this as per my qualifications of the issue were an item was not as described that was purchased via XXXX   yet backed by paypal to be governed under my rights with their buyer 's protection. The paypal issue dispute resolved to escalate to a claim whereby I was to be issued a full refund by the merchant. However, the exacts of the instruction of paypal in their e-mail to send the merchandise back as with an online trackable shipping service are now being brought under scrutiny that somehow I am liable for the merchant who denies he received the package? Paypal is negligent in that their instruct e-mail did not delineate in the wording which lacks any clarity to specify that an additional measure or step would be necessary which is considered a proof of delivery added measure of protocol when I sent parcel with tracking. The USPS did not ask to add this measure I did not know it would be necessary and the paypal instructs do not state as much at all in their wording. Yet, now since the merchant/seller/recipient is not obliged to prove he did not receive it he is able to escapade that he has not received it. I should not be held personally liable to not recieve a refund per the neglect is on the part of paypal who had neglected to instruct me properly on adding a proof of delivery confirmation as somehow now being implied mandated? Which is news to me and it not in their instructions e-mail. The paypal has refused my refund I have sent to their legal department a complaint. But, have heard nothing back. I am due a refund under the buyer protection per I followed properly all instructions of the paypal return letter in the e-mail they described only to send as trackable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to file a complaint about my background check saying that it isnt fair that I cant not work just for something that happened in the Past I am trying to change my life and whatever happened in 2016 with my charges I was just w the wrong people that i got blamed for so its not fair that Im trying to better my life and work so please just give me a chance i want to provide For my family I want to work so I can better myself and show others that it is possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

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, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXX XXXX XXXX account XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX acct. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$340.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, SeedFi is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.
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 XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

Hello, my name is XXXX XXXX. 
Back in XXXX XXXX I have received a paper promotion from Citibank ( Citigold checking account ) which offered XXXX XXXX when you meet certain criteria : 1. You currently must have Citibank / XXXX XXXX credit card ( I had it since XXXX XXXX and it 's still active ) 2. You must make XXXX or more bill payments within 2 consecutive months ( I made XXXX ) 3. It must be a first time Citigold account ( it is, never had XXXX before ) 4. Must spend $ XXXX or more within 3 months ( I spent {$1.00} in 30 days ) 5. Must apply before XXXX XXXX, XXXX ( I applied either XXXX XXXX or XXXX ) 6. Must have XXXX account ( I have XXXX, it 's still active XXXX ) Account was opened at the Citibank branch XXXX in XXXX, NY and the rep told me she sees that I 'm eligible for that promo. 
So they promise that 2 months after doing all that I should be able to see my XXXX which never happened. I started XXXX investigations and they keep saying that unless I show them that piece of spam they sent me in XXXX they wo n't help with miles. Branch manager couldnt do anything either. I see a lot of people have complained about it XXXX so you guys are my last hope. 
I have attached XXXX latest statements of my XXXX XXXX account where you can see there 's no XXXX bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

-attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and XX/XX/XXXX