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

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX XXXX and Experian when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully XXXX XXXX UCC 1-308 R.R. W.P.
Product: Credit card or prepaid card

Citibank routinely offers me an option of " equal monthly payments '' for purchases on XXXX, at 6.74 % for a specific amount of months, typically 3 or 6, depending on the total purchase price, on my Citi Diamond Preferred card. The issue is that I already have a 0 % rate on all purchases on my Citi Diamond Preferred card, through next summer ( 2022 ). Therefore, Citi and XXXX 's joint financing " offer '' is misleading and fraudulently entices misinformed Citibank customers to opt in to what appears to be a special interest rate that's lower than the customer 's normal purchase interest rate on their Citi card, when in fact it could be higher than their existing rate. This fraud is unacceptable and the CFPB should investigate and end this collusion between Citi and XXXX.
Product: Checking or savings account

XXXX had loan XXXX XXXX with wells fargo dealer servies inolved inaccidenrt had bought GAP insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay gap due to technical thei had to buy {$3000.00} car deliver packages XXXX XXXX XXXX XXXX XXXX cause of accident you mad me and denied gap then i had to suffer and call all XXXX XXXX  months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many unauthiruzed stole money service feezchecking account savings account opther products and they still are doing it now and they blow m e off on settement nee {>= $1,000,000}. They just sent letter case # reference # XXXX Wells Fargo Mediation Program XXXX check and for 5 years have lied to me not adress gap insurance pain suffering their XXXX and mediation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : you are reporting inaccurate information on my credit report which is a violation of FCRA METRO @ XXXX enacted XXXX this gives me the right to have them removed. enclosed are the factual documents that you are reporting in violation
Product: Checking or savings account

My name is XXXX XXXX My DOB : XX/XX/XXXX My Social Security # : XXXX In XX/XX/XXXX I lasted my cell phone in XXXX when I moved XXXX. It appears that someone found the cell phone and used it and the charges went up. I dont know that was happening to me until, In XX/XX/XXXX I received a document from XXXX XXXX XXXX stating I owned {$1800.00} to XXXX XXXX XXXX. I disregard the letter because at the time I was recovering from XXXX XXXX. In XX/XX/XXXX I received document from the XXXX County stating I owed XXXX to XXXX XXXX. I disregarding this issued because I was trying to recovering from XXXX XXXX. In XX/XX/XXXX Chase bank see me a letter regarding that they had put a hold on my checking account ( Account # : XXXX ) at the time I have a balance of XXXX ) Again I could do anything because I was recovering from XXXX. In XX/XX/XXXX I contracted XXXX XXXX XXXX who represented XXXX XXXX to find out how much I owed, XXXX informed that I was a balance of XXXX, XXXX.and make arrangement to make payment until I finishing paying the {$3000.00}. I paid XXXX XXXX XXXX over {$2100.00}. I stop receiving statement from XXXX XXXX XXXX. However I would still send payment with a noted on it stating this if for my account. In XX/XX/XXXX I called XXXX and let them know I am not receiving statement from them, why? I was told by a representative at XXXX XXXX XXXX that payment is no longer required, because there is a claim going on. I ask them if they still have a lean on my saving account from Chase, I was told by XXXX XXXX XXXX that there is no lean/hold on my checking account. In XX/XX/XXXX, I went to a chase branch to inquired my balance in my checking account ( Account # : XXXX ) and it show I have a balance of -XXXX. I keep asking why is my account is -XXXX when they put a hold on the account it was a balance of XXXX. The representatives at chase try to investigate but can not give me an answer. According to chase my checking account does not have a lean/hold on it, but chase will not release my funds. I need help in this matter. Chase can not give me a reason why I show a negative balance and why they can not release my funds. Please help. My if you need to reach me my telephone # XXXX, my email is XXXXXXXXXXXX. XXXX XXXX.
Product: Credit card

We are going on a family trip to XXXX and I booked a hotel in XXXX using my credit card. The charge for the hotel showed up along with a {$19.00} fee for exchange rate. I know this is not a large amount but I was not aware of a fee for exchange rates and I feel like this is unfair and abusive fee. None of my other credit cards charge this fee so I called to ask that they do a one time courtesy waiver for me and they refused. Im sorry but that is pretty petty on their part. Ive been a customer for many years and spent thousands of dollars on this card and they cant even waive one small fee for a loyal customer?? This is beyond acceptable and predatory. I just want the fee removed or I will close my accounts both credit and checking.
Product: Debt collection

This is my final warning against American Express! I have been harassed continuously after my cease and desist and denial of alleged debt which was received by American Express XX/XX/XXXX, proof attached below. American Express claims they validated the debt but all they did was send statements. They never sent the original contract with my signature. 

Furthermore, American Express committed several violations of 15 USC 1692e when they sent false representations to my address through attorneys/lawyers of XXXX XXXX XXXX XXXX 

American Express also violated 15 USC 1692e ( 8 ) as they have failed to record my debt as disputed which clearly warrants a lawsuit. Attached below is proof through a copy of my XXXX report. 

Attached below is my default notice to American Express, they can consider this as a final warning before me and my legal team take action and commence legal proceedings against American Express in Small Claims Court! 

These files have also mailed to American Express Executive Office via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Beginning in XXXX XXXX XXXX my family, my brother and father, started receiving calls from DSR XXXX about debt that I supposedly owe. The company never contacted me personally about this debt at all. They have left multiple messages on their phones and spoken with my family but have never called my phone or sent me any mail about a debt owed. My phone number has not changed in 20 years.
Product: Credit reporting or other personal consumer reports

Transunion has repeated increased the amount owed and credit usage during mid cycle " after 2 weeks '' causing my credit total usage and reported total debt to be higher than actual, several times over the past year. 

Actual XXXX XXXX XXXXXXXX {$10000.00} They are reporting {$10000.00} they refuse to contact loan holder because they say they have and lean holder says they have not ever tried to verify the debt and they are reporting the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my XXXX credit report and they will not remove them. I contacted the company directly and they did not help me. I did not apply for accounts with the banks on my report. I have fraudulent inquiries on my account from capital one, XXXX XXXX XXXX, XXXX XXXX XXXX,
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. Account # XXXX ; Balance {$1300.00} Open Date : XX/XX/XXXX. 

XXXX XXXX Account # XXXX ; Balance : {$95000.00} ; Open Date XX/XX/XXXX XXXX Account # XXXX ; Balance : {$48000.00} Open Date XX/XX/XXXX XXXX Account # XXXX Balance {$2700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX XXXX {$1400.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$140.00} Open Date XX/XX/XXXX XXXX Account # XXXX Balance : {$18000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance : {$410.00} Open Date XX/XX/XXXX 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: Student loan

I have federal loan the lender is EDFINANCIAL this company is totally dysfunctional. 
I made many calls, certified letter, e-mails to request for a General Forbearance due to having temporally financial issue related to my health. The company stated that I have " used all my Forbearance " which is not true. ED financial every time I talk to their reprehensive, I was given different answer and basically run around! the company phone system and online downloading has been impossible to get through. I believe this company a flat fraud and making payers to pay more than they should or simply they do not approve Forbearance option or other options. I asked for a manager there are none exists! 

I need to know who is behind this corrupt company? also, I am requesting to have temporally General Forbearance. 

I am currently paying my private student loan over {$1000.00}, with the different lender and I am attending school half time ( XXXX credit ). It is not possible for me to pay all leaders and school while I am attending school.
Product: Debt collection

In XXXX 2014 XXXX issued a phone number to me for new smartphone. A few months later I began receiving calls once or twice a week from XXXX in XXXX, NC. The calls are continuing. From online search I found info that says this is a debt collection agency. My phone number is on Do Not Call list but it says that debt collectors can continue to call. I have never had a debt problem. No reason for them to call me. Is it possible that someone else with a debt problem had this phone number before me? How to make them stop calling?
Product: Debt collection

A collection agency is trying to collect a debt I don't owe.
Product: Credit reporting or other personal consumer reports

I played a credit freeze on my account at the XXXX credit bureaus in XXXX. I am now applying for a new line of credit and need to unfreeze the account. I was able to unfreeze the account at XXXX and XXXX, but have not been able to do so at Equifax. I am not able to log into my account. I do not have a XXXX enabled and tried to log in on XXXX different internet browsers. Each time, I am instructed to call Equifax. I placed XXXX calls to them and went through an automated menu to verify my identity. Despite providing all requested information, I was not connected to an agent. Without being able to log into my account, or speak to an agent, I now am unable to remove the freeze from my account.
Product: Mortgage

We had mortgage with Nationstar ( now Mr Cooper ). We struggled to make payments were behind by about XXXX. We filed Bankruptcy and paid about XXXX to attorney to save our home. Today we received a letter stating Mr Cooper found a way to save us money our interest rate will be lowered to 4.275 %. ( This is the rate it should have been for years ) but now they are lowering our payment to XXXX from XXXX and XXXX will go into no interest deferred account. We have a lawyer looking at this before we sign but I feel we paid for Bankruptcy fees and they had errors also our lawyer said where is our interest for all that we paid and where is our interest for this XXXX. I feel someone should review our account because they have cost us a lot of money and it is wrong. Please look at this.
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 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 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 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 inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX Citizens Bank received my money via an ACH debit transaction from XXXX XXXX Bank. Citizens Bank did not disclose to me that they received my money, There are no electronic transactions, emails nor phone calls from them to me at all to show that the money even exists, even to this date ( XXXX ) I then called XXXX XXXX to confirm that the transaction did in fact take placeXXXX XXXX gave me a trace number and the date of the transfer. and also told me that the transaction was in fact accepted and not rejected. I then called Citizens bank again on XXXX XXXX, XXXX, and several other times i was told : 1 ) on ( 3 ) different calls that there was a paper check issued for the balance after the debt to citizens was resolved and i should recieve it in 2 to 3 business days 2 ) on 2 different calls i was told there was an electronic transfer that was going to take place with in 2 to 5 days and it has now be 7 the last call ( XXXX XXXX, XXXX ) made to Citizens bank complaint department regarding the entire situation from start to finish only to be rudely dismissed as though my complaint and money do not matter. Citizens Bank has still not given me my funds, as a result of this ridiculous hold, i have now lost my vehicle in XXXX. Had my Car insurance cancelled for non payment. My Credit card which was opened to build credit is now late for the 1st time in 18 months of perfect payment history. and my landlord because i was unable to pay money promised to him for back rent owed is now threatening to evict me. Citizens Bank is aware of all of these details and promised to expedite the process and has not given me my money.
Product: Debt collection

I already request several times proper documentation to verified the debt and they never provided the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, Transunion, XXXX, and XXXX  are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Product: Debt collection

In XXXX, I received a Discover Bank credit card for {$500.00}. I fell behind in payments for several months and the amount was placed in collections. I have reconciled this account and paid off the amount owed. The account still shows on my credit profile. I have attempted to reconcile this by contacting Discover Bank via phone and I was offered no solutions. Instead, I was told to get help from a " credit specialist. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I discovered that XXXX XXXX incorrectly spelled my address, thus as a result, I did not receive my billing statement and was inadvertently late on a payment. As a result of this, this cause severe harm to me as well as punitive damages. 

XXXX XXXX also incorrectly listed my address on my billing statement. Again as a result, my statement was not recieived and my payment was inadvertently late.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXX XXXX  Acct # : XXXX XXXX  Acct # : XXXX
Product: Checking or savings account

Three months ago a overdraft was deducted from my payroll account in the early XXXX  hours. The very same day @ XXXX  I walked into key bank in XXXX XXXX, PA XXXX with a credit Union check to deposit it into my account. Afterwards I was told it will be froze due to the negative account previously. The negative was taken care of 8 hours before submitting the check. The hold lasted over 10 days counting the weekends and not just the 5 days explained. I was not awarded the 4 hours after XXXX XXXX  the day of which made it ( 2 ) weekends. All this started late fees on other bills creating additional charges I was forced to pay, causing more overdrafts later. 
Fast forward going from paycheck to paycheck I paid {$300.00} to fix account again only to find it worse. I have been a victim of this from XXXX XXXX, XXXX  XXXX, and now KEY BANK. I was not even part of the settlement now have no income to deal with this.