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

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX, I am not working with a XXXX party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX XXXX  to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. 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.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 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. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from discover, care credit, synchrony PayPal, Amazon, tjx, another discover, a utility, and XXXX accounts opened but closed by creditor right away. I hsve over XXXX inquiries, my name on my reports has XXXX different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed XXXX police reports XXXX ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Product: Payday loan, title loan, or personal loan

in XX/XX/XXXX of 2019 i emailed the company that i was changing bank accounts. and they kept withdrawing from a no longer used account causing damages to the bank account i incurred over {$300.00} in overdraft fees on this account plus their payment totaling in over {$900.00} with the banking fees.. earlier this month inXX/XX/XXXX of 2019 did i get a e-mail asking for my new account information via this e-mail they sent which i know for a fact this is a security threat to the banking system and no one should reply to any e-mail with a bank account number. 
every time they call i state they have a balance owed on a bank account that was over drawn and they still state that i owe a balance.. this is a stale mate situation.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 card or prepaid card

I opened a Citi Premier credit card in XX/XX/2019, using a sign-up bonus of receiving XXXX " Thank You Points '' ( TYP ) after spending {$4000.00} in 3 months. About 2 months after started using the card, I contacted Citi bank using the messaging feature in its mobile app to confirm the remaining amount I had to spend to get the bonus. It was at the time I realized there was a mistake and the bonus offer attached to my account was " receiving XXXX TYP after spending {$4000.00} in 3 months. '' I mentioned this to the representative and was told to contact the Thank You Points ( TYP ) department. 
I followed up with TYP department, and I was told that since the then current public promotion offer for the Citi PRemier card is indeed " receiving XXXX TYP after speding {$4000.00} in 3 months '', they changed the offer attached to my account. I was told to follow up once I completed the spending requirement so they can make sure the correct ( XXXX ) TYP is deposited to my account. 
I contacted the TYP department after finished spending {$4000.00} but only received XXXX TYP. I was told that they will escalate this and manually adjust to add the XXXX TYP to my account. 
I contacted the TYP department yet again in XXXX after still not seeing the extra XXXX TYP. I was then told that the review was declined because I contacted Citi bank more than 3 months of opening the account ( which is false ).
Product: Credit reporting or other personal consumer reports

I have made several attempts to reach XXXX  but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/2023. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no information about them, and the company did it without my authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX  account number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violation my rights. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account without my written instructions.
Product: Checking or savings account

I signed up for a bank of america business checking promotion ; it was to deposit XXXX XXXX for 3 months and maintain it to get {$500.00} promotional bonus. 

Now they are refusing to give me {$500.00} bonus and telling me that I was not targeted ; however, I was targeted for this offer and I signed up using the link from BOFA profile. 

I have {$20000.00} sitting in the account from last 5 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX  from XXXXXXXX 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 an account without my written instructions.

This account reported on my credit report is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX XXXX XXXX account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

BRIDGECREST Installment account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX Revolving account opened on XX/XX/XXXX and has a balance of $ XXXX.I dispute the missed payments and late payments on this account. 

THE XXXXXXXX XXXX Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.
Product: Credit card

Back in XXXX, 2015, I ordered a pkg of XXXX XXXX T-shirts. Amazon.com had a promotion going that if you applied for their store card, you would be given a {$30.00} discount. I may have applied for that card just to get the {$30.00} discount. The total for the t-shirts was {$29.00}, so when the items arrived, the invoice said balance due {$.00} ( XXXX ). Today, XX/XX/2015 I received the one and only statement from Synchrony Bank ( which handles the Amazon store cards ). The statement showed I had a previous balance on the " credit '' account of {$29.00}, and was billing me {$26.00} for a {$25.00} late fee and {$1.00} minimum interest fee, bringing my total to {$55.00} At first I did n't recall purchasing anything from Amazon, and then the csr on phone told me it was for pkg of XXXX XXXX t-shirts. I told her I recalled ordering them, and she offered to remove the late fee and interest charge and just bill me {$29.00}, but she wanted more info in order to close the account. I was n't comfortable giving her more information, considering that if I had truly opened an account with them, they should have all the pertinent info. She then put me on hold, and came back and informed me that they were opening a fraud investigation, and I should write down the ref # XXXX. It was after she hung up that I recalled the {$30.00} discount just for trying their Amazon Store card ( Which I would never normally do, since their interest rate is ridiculous, and I do n't really like Amazon ). I have found in previous dealings with them, that their business ethics leave a lot to be desired. Thinking about it, I believe this is yet another example of their less than honest business ethics, and a bait and switch tactic in order to get people to sign up for their HIGH INTEREST credit card. Had I been sent a statement in a timely manner, There would have been no late fee billed and I would have disputed the {$29.00} which should have been offset by the {$30.00} discount come-on. Worse comes to worse, I am willing to pay the {$29.00}, and chalk up the switch and bait {$30.00} offer, to just another one of Amazon 's dishonest business practices. Thanks for whatever help you can be. XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello, on XX/XX/2023. I summited a dispute of an unknown inquiry. I want to disregard this complaint as it was done by me and I did not recognize the name at the beginning. Inquiry for XXXX XXXX XXXX XXXX was done by me and I would like to remove the past dispute. Thank you for your help and time. 
Complaint number with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, XXXX XXXX XXXX
Product: Checking or savings account

I applied for a Platinum Perks Checking Account with Huntington Bank on XXXX XXXX in order to take advantage of a new customer offer the bank was running. They promised to give new customers a {$600.00} bonus if they deposited {$25000.00} or more with the bank and kept an account open. I called customer service with the bank TWICE inquire about the steps that needed to be taken for me to take advantage of this offer, once just before I opened the account. I went through the bank website to open and account and attempted multiple times to have a promo code sent to my email address, but nothing ever arrived. I checked spam folder as well and never received anything. I called customer service with the bank again and was ASSURED that the promo code would be applied automatically if I signed up for an account through the link on the website below the offer. I did so, just as instructed. 

I've met all the criteria to receive the {$600.00}. I called the bank today, XXXX XXXX, to MAKE SURE there was nothing else I needed to do to get the offer and was told by both a CSR and a customer service manager that there was no promo code applied to my account and that I would not receive the bonus as the offer stated. 

I feel like this was a clear scam, and an instance where Huntington Bank misled me into opening an account and depositing a large sum of money with then on the promise that I would get a {$600.00} bonus ... a promise they clearly did not keep.
Product: Debt collection

I just had a collection account show up last month on my credit report that i believe is part of my identity theft case.
Product: Credit reporting or other personal consumer reports

Acct past due and negatively affecting my credit rating. They have not validated the collection and this must be removed
Product: Debt collection

LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

Bank of America is inaccurately and incorrectly reporting information on my credit report which is damaging my credit score. The date of last activity is incorrect, the date reported is wrong, the date opened is incorrect and the last payment is inaccurate which is a violation of the FCRA and FDCPA
Product: Credit card

In XXXX of XXXX I opened a credit card with a XXXX point balance. It came with a {$95.00} dollar fee. It appears that I did not meet the required amount spent. I was never given an amount needed to meet. 

In XXXX of XXXX I upgraded to a different card with XXXX points. I was not given an amount needed to spend to meet this offer. However after looking into the terms of money needed to be spent, I did spend the amount needed. However I was told I did not qualify for the points because I was already a customer and this didnt apply to me. However this was not disclosed and there is still nothing I can find saying that this is a term that disqualifies you on current promotions. 

When BofA switched me to a new card they transferred my old number to the new card and by doing this they " avoided '' having it be a new card with new terms because it came with same number, though I asked for a new card and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after years of paying support. The Louisiana Department of Child  support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, XXXX, Equifax  and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.