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

l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect PREVIOUS ADDRESS 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

In additional information in regards of CFPB complaint XXXX, As Im aware The Finance Charge, can you XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CFO clarify that you are in compliance with Federal Law 15 U.S. Code 1666b ( a ) - Timing of payments ? 

Im not accusing you XXXX XXXX XXXX XXXX of anything, however, I have reasonable cause the information is inaccurate, and can you clarify the billing error? The current information being furnished on my Consumer Report, Im aware there shouldnt be any late payments for any reason according to Federal Law So Im demanding that you prove that you are in compliance with the law 15 U.S. Code 1666b ( a ). 

And Just for you XXXX XXXX D/B/A XXXX XXXX XXXX XXXX CFO to be aware, Reporting Charge off is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations. 

However, Thanks again for your timely response in advance, Best Regards, XXXX XXXX, Federally Protected Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an ExxnMOBIL/CBNA credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AUTO XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

TU for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now XXXX is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that TU and XXXX are flagrantly violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received any responses from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$260.00}
Product: Bank account or service

I opened my first checking and savings account on my own outside of my parents reach in XX/XX/XXXX, even though I have been apart of US Banks customers for 2 years. I have never had an issue like this before, but when I opened the account I was not made aware of the Federal Regulation that says I will charged {$15.00} every time I transfer money from my savings to my checking more than 6 times a month. I was not aware of this at all, and It was not brought to my attention during the entire month. I agree I am young, and not the most educated client they have had, but that is all the more reason they should 've notified of me what I was doing wrong. I have talked to several US Banks representatives and they have been nothing but rude and cold shoulder to the idea of them doing anything wrong. The reason I transferred money so much during the month was because I was using the money in my savings account to buy college stuff, for example ; things for my dorm, and school fees. Because I was not aware of the regulation and was not notified after 6 times that I was going to be charged, I ended up transferring money 23 times. I did not think to check my account transfers earlier in the month because it was never brought to my attention that I was going to charged money to take my own money out. I lost in total {$340.00}. This money was supposed to help me pay off my first college semester, and now that the money has been taken in Withdrawal fees, I am not able to make that payment. I feel very strongly that US Bank is at fault not only for misinforming about my account information, but not being honest in their rebuttal. During the phone call with the representative, she stated several times that I received a " pop up '' explaining I would be charged money to transfer. Not once did I receive this " pop up '', if i would have, I clearly would n't of kept transferring money. I did not receive an email, phone call, nothing. If you look at some of my transfers, they are as little as {$5.00}. It would not make sense for me to transfer {$5.00} just to pay {$15.00} in a withdrawal fee. Now that I am aware of the situation, I will no longer be transferring money from my savings account into my checking account, but I want to be reimbursed for the {$340.00} that was taken out in withdrawal fees. I feel like it is in my rights to have the charges reversed since I was never once informed, notified, or told about them in the first place. Please closely look at the transactions. Yes, it is a federal regulation, and it 's not US Bank taking out the money. But they did lack to inform me, and caused me to lose out on money that was mine to pay for my education. It is an unfair and unjust situation.
Product: Credit card

I have a Chase Freedom Unlimited Credit Card and On XX/XX/2023, I redeemed XXXX points for {$300.00} Amazon digital Gift Card. 

It said it takes up to 3-5 business days so I waited about a week for them to send me an email with the digital gift card. However, the email never came through so I called Chase Credit Card Customer Service 4 times to resolve this issue until today. 

I told them to cancel the transaction and give me back the XXXX points since it's taking too long for them to figure out the issue, but they said any points redemption transaction can not be reverted and told me just wait. 

Everytime I spoke with the customer service rep, I was told that I would receive it in the next 3-5 business days but nothing came into my inbox. I've checked the Spam folder and have done my due diligence so I am 100 % sure that they never sent the email. 

Please help me get my {$300.00}...
Product: Debt collection

I never received a letter from security credit services about the debt. I had received phone calls that popped up as scam and they would leave voice messages threatening to sue and that it could affect my credit and social security number. I passed it off as a scam. I did answer once and it was the same thing. They also had a lawyer office do the same. This company is a joke, all they do is threaten and they will not work with you on anything. The account was for smartphone, it shows wrong amount on my credit report and shows the wrong date that it was opened.
Product: Credit card

I have an American Express card and belong to the Membership Rewards Program. I currently have over XXXX points. Towards the end of XXXX, XXXX, I went online to redeem points. I could not find the normal gift card selection and I kept getting referred to American Express gift cards. On XX/XX/XXXX, I called American Express Customer Service for help in navigating their web site. I was informed the program had changed effective XX/XX/XXXX and that the only gift cards available would be American Express. I was directed to the Notices listed in the end pages of my monthly statement. My complaint is this, a change this significant should not be buried in the fine print of a monthly statement. I did not receive an email or any other notice of the change. The change was not highlighted and no attempt was made to make sure customers were aware of the change. I have had the account for at least 24 years and saved my points to be redeemed as I needed various items. My typical redemption was for a XXXX XXXX card, XXXX points for a {$100.00} gift card. Under the new program, the American Express card would cost XXXX points for a {$100.00} gift card. The value of my points has been cut in half costing me over {$1100.00}. This results in a significant savings to American Express at the expense of their customers.
Product: Payday loan, title loan, or personal loan

My husband and I are being harassed by this company by phone calls to our phone, our jobs and certified mail. The loan is being handled by a debt settlement company. We are being told 2-3 times a  week that someone from this company is calling. My personnel manager stated they have also threatened to garnishment my check. I understand that they can contact us through phone calls and letters but not calling my job. I am unable to receive personal phone calls at my job.
Product: Vehicle loan or lease

They are not reporting two years worth of payments. I reached out and they told me they couldnt due to some kind of informational hold on my account. They told me the hold was released from my account but they are still not required to report all payments since the hold was there in the first place.
Product: Debt collection

I called American Express and they told me that there was no record that I even had a credit card with them. Not even in collections. But Ive received numerous emails saying they can reduce my balance owed if I give them a call.
Product: Checking or savings account

I had an account with Wells Fargo back in XXXX to XXXX. I closed the account because I did not agree to them setting up accounts without my permission and when I inquired about it I was told it was to help me with building up my savings. It was brought to my attention that there has been a settlement of XXXX XXXX dollars if you had an account XXXX. I called XXXX to inquire about my past account ( gave name, DOB, and, and SS # ) and was told they could not find my account if it's been over 7 years since I closed my account. My son is a current account holder, and I informed him to look into this settlement as well. I would like to know if in fact WF owes me any compensation from their shady practices. Please help. I appreciate your time. Thank you.
Product: Credit reporting or other personal consumer reports

In Regards to CITI XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against CITICARDS, collectively referred to as CITI hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where CITI has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, CITIs unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by CITI violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, CITIs reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by CITI. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by CITI, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to CITI, XXXX, XXXX, and XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

There are a number of inquiries on my report my identity was stolen
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 XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # 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, credit repair services, or other personal consumer reports

This is my follow up Complaint about the negligence of the Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Product: Debt collection

I received a letter from a company called XXXX who is collecting on behalf of XXXX XXXX XXXX. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
Product: Credit card

On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Yours Sincerely XXXX XXXX
Product: Debt collection

Portfolio Recovery called inquiring about my XXXX. I told them I can't help them and to not call me, as I am on the No Call List. I mentioned this to my XXXX, he denied knowing why they would call me, and was no help. That was a number of months ago - I have been too busy to contact you sooner. 

At least two or three times a week since then I get calls from them from different phone numbers which I do not answer. I did get a call this morning, and now have time to contact you. Their numbers have been : XXXX ; XXXX ; XXXX ; XXXX ; XXXX I do not have any reason to have any dealings with them. Even if they had XXXX XXXX phone number, he would not answer. So I guess this gives someone a job, fine. But invading my personal life and that there is a law against this, I do appreciate any assistance from you to stop this harassment and to take action against them. Thank you-