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

Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. Transunion and XXXX  do not comply. I have filed multiple complaints on XXXX XXXX. But XXXX and Transunion do not investigate but simply send to XXXX XXXX who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and Transunion but talk to another country who now has my personal information. I have repeatedly made request from XXXX XXXX to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. Transunion, XXXX, and XXXX XXXX have at least XXXX of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. XXXX XXXX refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. XXXX XXXX  refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. XXXX XXXX ignores and plays games by listing all complaints as duplicate. XXXX XXXX sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY WENT TO APPLY FOR A HOME LOAN AT A BANK, AND WAS TOLD THAT I HAD TO PAY OFF MY STUDENTS LOANS AND THE REAPPLY. I TOLD THE BANK THAT I NEVER HAD STUDENTS LOANS. THEN I WAS PROVIDED THE CREDITOR NAME AND NUMBER TO CONTACT THEM TO INVESTIGATE THE ACCOUNT. I HAVE DISPUTED THE ACCOUNTS MULTIPLE TIME WITH THE CREDITOR AND THE CREDIT BUREAU AND HAD NO RESULTS. THE THREE MAJOR CREDITOR BUREAU HAVE NOT MARKED THOSE ACCOUNTS DISPUTED AT ALL. THIS IS A INCONVENIENCE FOR ME SEEING THAT I'M TRYING TO MOVE FORWARD WITH MY HOME LOAN. I WILL LIKE FOR ALL OF THE STUDENT LOANS TO BE REMOVED FROM CREDIT FILE IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.
Product: Debt collection

I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I have XXXX accounts listed on my credit report by a collection agency called " Portfolio Recovery Associates ''. I have disputed both with XXXX and the response was a remark on my report indicating " XXXX ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type XXXX are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither XXXX nor Portfolio Recovery Associates have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?
Product: Checking or savings account

A bonus not paid as promised by Citibank priority bonus savings and checking account signups offer : Under the promotion number Promo. XXXX I opened an account on XX/XX/XXXX, checking account ending XXXX/savings account ending XXXX. I have screenshots of the promotion at the time of the offer that promised a {$700.00} bonus after 60 days of fulfilling their deposit amounts, and for some unknown reason they add another 90 days to make sure those requirements were followed, I guess. But you don't get your bonus for at least five months. After the 5 months, the bonus still has not been paid. 

I opened the account on XX/XX/XXXX and didn't deposit anything at that time. On XX/XX/XXXX, I deposited {$500.00} to XXXX ( Citi waited a full 2 weeks before crediting it to my account. ) {$50000.00} was deposited into the savings account on XX/XX/XXXX. The hard copy signature Card was received and recorded by them on XX/XX/XXXX. The end of XXXX statement recorded the account had a total balance of {$50000.00} On XX/XX/XXXX the ACH test deposits were recorded. 
On XX/XX/XXXX, I deposited the {$50000.00} for a total balance of {$50000.00}. 

I called on XXXX and inquired about the 90-day bonus payment and was informed I would have to wait until after XX/XX/XXXX, to see the promotion bonus deposited in my account. Customer service confirmed my promotion code at that time. 

Called again on XX/XX/XXXX and " promo code not found. '' " Customer service acknowledged that she saw the record from XX/XX/XXXX and sees the promotion code from that conversation, " but it will not currently populate ''. This means that she can no longer verify that I am qualified to get the {$700.00} promotion bonus on the {$50000.00} deposit made in XXXX. She asked if I wanted to start a dispute. 

I opened a dispute. She gathered all my data and confirmed that I had screenshots of the terms of the bonus by requiring me to read every paragraph of every page. As I read, I confirmed that I conformed with every element of that offer. 
Dispute reference number services request XXXX I also asked for a physical address to send a paper copy of screenshots of the terms of the promotion and other documentation including statements : XXXX XXXX exec response unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX I was told I would hear from them by the end of last week and I did not. 

This is an years long pattern with Citibank. One web search revealed dozens of years old complaints about Citi Bank not honoring it's promotions. Most say it takes a complaint with your office to get a resolution. I find it suspicious that they can confirm my promotions code in XXXX, but it no longer exists in XXXX when the payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

XX/XX/2024, XXXX XXXX Pacific Daylight time someone accessed my Credit Karma account from an unknown device. They then changed the email address connected with the account to be ( XXXX ) an email that does not belong to me. They then attempted to spend money but the funds were too low for the amount they tried to spend. They then moved money from my Credit Karma Save account ( {$35000.00} ) to the Credit Karma Spend account and opened up multiple virtual debit cards and making XXXX transactions ( using different virtual debit cards ) of {$4900.00} ( {$34000.00} ) which also accrued an international card fee of {$49.00} per transaction ( {$340.00} ) totaling a loss of {$34000.00} not authorized by me and in current dispute of the transactions. I attempted to make a withdrawal to save what money was left from the attack, but the attacker canceled that transaction and continued. When noticing the first fraudulent charges I attempted to call Credit Karma 's member support team but they stated that they can not assist me as the transactions were in pending and may not go through. Later in the day, the transactions went through. When these fraudulent purchases were made, my email associated with the Credit Karma account that was changed, received a spam attack in order to prevent me from accessing any proper emails being sent in an attempt to change information and restore access to my Credit Karma account. I have now since regained access and control to my account but as a preventative measure Credit Karma, only after the attack, has frozen the account.
Product: Debt collection

There are XXXX duplicate / identical collection accounts on my credit report, showing as Professional finance com. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX. Phone # XXXX. Both amounts {$720.00}, both dates opened, XX/XX/XXXX both from medical company which I will not name due to HIPAA rights. I called to dispute these with XXXX and report # XXXX was generated. For both collection accounts. The next day, it came back as debt was valid. They did not listen to anything I said. First of all, it can not be valid when it clearly, and publicly violates my HIPAA rights. Secondly, the Consumer Financial Protection Bureau finalized a rule banning the inclusion of medical debt on credit reports as of XX/XX/XXXX. The CFPB prohibits consumer reporting agencies from including medical debt on credit reports. That being said, XXXX credit reporting agency needs to remove these XXXX duplicate medical debts off of my credit report because it is illegal. The collection agency itself, Professional Finance Com needs to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX XXXX XXXX XXXX XXXX account currently listed and showing on my XXXX and Equifax credit report is lost/stolen : XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX credit card is lost/stolen. My lost/stolen XXXX XXXX XXXX XXXX XXXX  XXXX Account Number is : XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX INQUIRIES : EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act the following accounts have violated my rights.

1. XXXX XXXXXXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX  XXXX in the amount of {$1400.00} 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
Product: Debt collection

XXXX  :  XXXX  USING THESE FRAUDSTER COMPANIES CLEA R RECON CORP  XXXX ,  XXXX    XXXX     XXXX   XXXX  AND  XXXX   XXXX   XXXX  TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS   XXXX   XXXX   XXXX   XXXX  i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home.   i : se nd Cease and Desist  orders long ago, see how fake this is? CAL. CIV. CODE  2952 (   XXXX    XXXX   ).   After Recording Return To :  XXXX   XXXX   XXXX   XXXX   XXXX   [ Space Above This Line For Recording Data ]   XXXX   FICTITIOUS DEED OF TRUST   Fictitious Deed of Trust recorded by  XXXX  on behalf of [ Name of Person ]  XXXX .    [ N ame of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to  CAL. CIV. CODE 2952 (   XXXX    XXXX   ).   These fictitious entities  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  and CLEAR RECON CORP, which based on ample evidence on records, have been laundering money,  which based on prima facie evidence, includes laundering drug cartel monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments.    These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes.   This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce.   They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if CLEAR RECON CORP and  XXXX   XXXX   XXXX .   Warrants and Bill have been issued already to  XXXX  enforcement of the highest of the land.   other info :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Forgery/ Calif. cod e 115 ( a ) 10 year s in prison.   These entities have been notified.   Remove the Auction demanded today.
Product: Credit card or prepaid card

My circumstance deals with my government covid relief money XXXX was deposited on my netspend account card.. I had checked my balance several times prior to this waiting for it too be deposited because i am about to lose everything.. 
Because of the balance checks they froze my account.. Needing from me 3 forms of id and my w2 forms ... I have done XXXX XXXX XXXX XXXX XXXX and I feel as if i am being discriminated because of that.. My Id was recenetly lost and I do not have the money to get that.. And how will i produce W2s from my time in prison?? I have the same phone number i have the same address and the same name and ability to state my mothers maiden name and my pin and ss number.. I have talked to them 3 times and every time they give me more stuff i have to come up with.. I am trying to stay calm.. but i have fines to pay and im trying to get my life together.. They shouldnt have the right to keep my money for checking my balance in anticipation..
Product: Student loan

I made multiple payments toward my student loans prior to MOHELAs transition to their new platform. After the transition, my payments never reflected on their new platform. Concerned, I attempted to contact them several times in XXXX and XX/XX/XXXX with no resolution. I was continuously placed on hold and representatives would not transfer me to a superior and instead would place me on a " brief '' hold every two minutes. Consequently, I turned to the BBB where I requested a refund for my payments on XX/XX/XXXX. I then received a correspondence from MOHELA on XX/XX/XXXX that the request for my refund is still " processing '' and could take up to XXXX business days. Well beyond the ninety business days, I called MOHELA again in mid XX/XX/XXXX. The representative I spoke to told me I should receive a check within seven-ten business days, by XX/XX/XXXX. She stated in the event I did not, to call back and speak to a supervisor so they can escalate it. I did not receive anything and called again on XX/XX/XXXX and spoke to supervisor, XXXX who escalated my case for me. She informed me my refund was still not approved and needed a rebill. She also told me she or another supervisor would call me back within 24-48 hours, however I never received a call back. On XX/XX/XXXX I called again to follow- up my case and after waiting on hold for FIVE hours, I finally spoke to gentleman who told me my case # : XXXX is still pending accounting review/approval and could take up to another thirty calendar days and to call back then. 

I do not believe MOHELA is equipped to handle the volume of student loans and their respective borrowers and are unable to service the borrowers in what one would deem is a professional or ethical approach.
Product: Vehicle loan or lease

I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.