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

I sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  .... Balance : - ; XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

Citi advertises their prestige card as a " premium '' credit card. This is not true. The card is complete trash. Traaaassshhhhhh.

First, it is incredibly difficult to get through their automated system to get to a real human, when other premium credit cards allow you to easily speak to a human. One customer service rep told me to stay silent and it would get me to a representative. All that did was make them repeat the prompts repeatedly, which is infuriating. She also said to say 'representative ', which doesn't work either. This is unacceptable. Even some of my no annual fee cards, like XXXX, allow you to easily connect to someone in the US.

Then, they tried to deny me my bonus points for signing up on some technicality and it took no less than an hour of my time to get them to agree to put the bonus offer on there. And I'm still not sure it's on there because the last agent I spoke with gave me conflicting information.

Then, there is conflicting advertising with some places saying that you get 5x rewards on " travel agencies '' and other places saying its only on " airfare '' but when you call customer service they basically tell you that you can't know if something is a travel agency until you charge, so if you spin the travel roulette wheel and land on the wrong booking site, you could lose the 5x and instead get 1x.

Then, I receive the card and packet and the booklet that comes with it is outdated. They're for the old Citi Prestige card with the wrong information, so I don't actually know all the benefits of my current card. 

The card is cheap looking and feeling, where other similar cards are made of metal. This isn't a huge deal but should have been disclosed in advance. 

It took multiple attempts to get them to add the card to my online banking and ultimately I had to register it myself, providing the same personal information I had just given the agent. In the process I was transferred multiple times, including once to an agent who was hard to understand and I believe hung up on me. Other premium cards I've had, the customer service can assist with online banking. 

The customer service agents did give me points but that doesn't make up for the fact that it has been a horrible customer service experience and users are left not knowing how and where they can use their cards, which we pay approximately {$500.00} a year in an annual fee for, for their 5x points.

I'm a good Citi customer, longstanding relationship, pay my bills, stay under my limits, regularly use my cards. There is no reason I should have to deal with this on a card with a {$500.00} annual fee.
Product: Vehicle loan or lease

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is ALLY FINANCIAL which was opened XX/XX/2016 with a balance of {$700.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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: Mortgage

Loancare loan servicing has made it impossible to contact their customer service. When you call their customer service for loan servicing information you are given the automated response, " we are experiencing higher than normal call volumes, wait times may exceed 30 minutes, etc ... ''. If you try and wait for a representative, the service simply hangs up on you.

Additionally, because they have no account recovery options on their online portal, if you get locked out of your account you will have no ability to access your mortgage information.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.
Product: Credit card or prepaid card

I have been targeted by some people they touch my app often over nine years now, I applied XXXX amex card last year or two years ago, last year through I spent and I have paid even I set to pay automatically, this people I feel like young bilingual and my origin is XXXX and somehow could be related to XXXX I guess, I am writing about my sense but often it is true. 
Anyway, I set auto pay, I often saw emails asking me to pay twice or third time in a month through last year. First I set to pay automatically even amount of spending was not much. 
Then I saw asking pay three or four times in some months, I went to app, auto pay was not set. It was not mistake but somebody touched the app. 
Next thing, I set auto pay and I paid, but after I paid twice asking me in a month, payment date somebody set but not by me. 
I was tweeting, actually those people touch my app and blogs and tweets over nine years after they were found as data frauds in XXXX XXXX XXXX XXXX team 2013. 
Then, it has been happening like that. 
Even XXXX account was touched by them when we were in need. 
Recently I had XXXX  XXXX and XXXX XXXX  cause a problem I treated me using deep skin moisturizer. It is not funny. 
Anyway, this is a problem it has been touched by someone, last thing,! ay XXXX, I paid to a, ex XXXX dollars, soon the payment was retuned without no reason then this XXXX Amex charged return fee to account XXXX dollars, this XXXX minimum payment tuned to be over thousands, it is fraud what the app workers do long years to my account. 
Is this fun? And I have been done by those people over nine years. 
As I am XXXX, I know some XXXX are very bad in XXXX, there are frauds a lot, when we can pay somehow, they have been doing might be fun to do this kind of bad behaviors over nine years but they are real data frauds, they make up reasons much often, so my claim it has been neglected and ignored I think. 
Recently my husband was called by even frauds.I cutout though. 
Shroud those all, they will see what they did thing caused their serious problem. 
It could be natural sanctions it could be something else. Sorry about those very dishonest people. 
Apparently this kind of bad thing they wanted ask me over thousands rather than XXXX dollars in one time payment, Look at that dirty bad workers are they operated USA or XXXX? 
Why targeting me? 
XXXX owns Amex or XXXX problem? 
What else? 
At least, XXXX XXXX and some other people have been targeting me since 2013, also this apps are on XXXX all. 
How long do I have to be done by those very bad people? 
Who could stop them?
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act, Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Vehicle loan or lease

I Leased an   XXXX   XXXX   in   XXXX   and as per  XXXX  tax laws paid the tax upfront for the full term of the lease at the beginning of the lease at the  XXXX  tax rate. Move forward 2.3 years. I moved to   XXXX   XXXX    and informed Infiniti Finance of my move and new address. Within days my monthly payment went up by nearly {$30.00}. When i called them, they said it was sales tax for   XXXX   XXXX   which had to be paid in accordance with   XXXX   XXXX   taxation law for the remainder of the lease, i informed them that i had paid the tax upfront in  XXXX  at the beginning of the lease so why am i paying it again? They were very aggressive in outlining that i HAD to pay more tax in   XXXX   XXXX  . I then went to the   XXXX   XXXX     XXXX   to register the car and met a   XXXX    tax assessor as part of the   XXXX   XXXX   process of registration, i gave him all my details outlining the car was a lease taken out in  XXXX , he then gave me a tax-exempt certificate stating i had already paid tax on the vehicle in full in   XXXX   and that no tax was due in   XXXX   XXXX  . I then called Infiniti Finance and explained what the tax assessor in   XXXX   XXXX   had said but i dont think the lady believed me and again gave me the same response that i HAD to pay the tax in accordance with   XXXX   XXXX   tax law and that the   XXXX   XXXX   tax assessor at the  XXXX  did not know what he is talking about. I then sent a scanned copy of the tax-exempt certificate to Infiniti Finance. No one called me or emailed me. I then noticed when I logged into my account that my payment had been adjusted back to where it was before I moved to   XXXX   XXXX  . When I called Infiniti they said that I did not have to pay tax in   XXXX   XXXX   because it was paid in  XXXX  and that I was exempt as I had said. Infiniti Financial are a huge finance company, my worry is that they do not understand the tax laws between different states in the USA. They charge not knowing the requirements and the consumer unknowingly is paying a tax to Infiniti Finance twice that is not required and I also suspect that they will never see those tax dollars again. I certainly doubt that Infiniti will refund the money at their own will.
Product: Payday loan, title loan, or personal loan

I have had a grain account for about a year and have always had autopay on with zero issues. Im XXXX of XXXX, I had to payments initiated through direct deposit and processed. No communication in XXXX and on XX/XX/XXXX I got email communication saying a payment would be taken out on XX/XX/XXXX for XXXX and not to worry because I have direct deposit. I logged in a few times and didnt see anything suspicious but I got an email on XX/XX/XXXX saying my account was 1 day past due when I think went in and initiated a payment because I have never missed a payment. Fast forward two weeks, the payment never came out so I tried again because I received another email saying I was now 2 weeks late. I initiated another payment in which I took a video screenshot of to make sure to document me trying to make a payment for XXXX. I got the confirmation it would be processed a few days later. On XX/XX/XXXX I received an email saying they were reducing my credit limit and then on XX/XX/XXXX I receive another email saying my account was 1 day late again and then on XX/XX/XXXX saying it was 45 days late?!? How do you go from 1 day to two weeks to 1 day then 45 days. I did reach out to a support XXXX on XX/XX/XXXX that said I needed to reconnect my bank which she ended up doing and I made a payment. I had no idea my bank wasnt attached because it was connected in the app as I was able to see my checking available balance and it was connected when I initiated a payment in XXXX. I made a payment the exact day a support XXXX reached out to fix my account and was told they would follow back up to discuss my late payment. Fast forward to a few days ago, I get a notification of a late payment dinging my a credit. Taking my score down XXXX points. I immediately followed up with a support XXXX to inquire about getting this removed because I have been an excellent customer and tried my best to resolve an issue with little communication and inaccurate information. The support XXXX has since let me know that wont happen. I have also read NUMEROUS reviews of others going through the same problem and it seems to be extremely unfair because its nearly impossible to get a response back via email and you cant speak to anyone on the phone. I have worked extremely hard to fix my credit to have it ruined overnight by an issue I tried to correct. I would like to have the late payment removed.
Product: Debt collection

SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX seasoned trust or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act Ally Financial has violated my rights Regarding alleged account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by portfolio recovery associates LLC regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. I am a XXXX XXXX too, in case i want to put XXXX  for the collection I am always mail them certified green mail card which must be signed by the XXXX. Then i am allowed to put XXXX  for collection because i have received proof that the XXXX  received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance. 2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Filed on XX/XX/2021 Reference number : XXXX