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

On XX/XX/XXXX I spoke with a XXXX from Hyundai and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my Hyundais report. 
On XX/XX/XXXX I contacted Hyundai at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from Hyundai stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX  and showed records that I am attaching here if able to show proof from my account at Hyundai, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error Hyundai created and XXXX  not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from Hyundai showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that Hyundai has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my dispute requests, Transunion and XXXX did not investigate this account. ( XXXX  # XXXX ) appearing on my credit file. The account inaccurately reports multiple charge offs with absolutely no other payment history. 

The account has not been updated, corrected or deleted after several previous disputes.
Product: Mortgage

My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies Transunion and XXXX  continue to list a bankruptcy on my credit report. I have contacted both of these companies by phone fax and certified mail. I have contacted then in XXXX, XXXX, XXXX and now XXXX. I have contacted the US Bankruptcy court and they report they did not share this information or nor would they. Where dis this derogatory reports come from? I haven't been able to obtain employment due to this? I have been denied credit due to this. 

This information is incorrect and inaccurate and I would like it to be reinvestigated and removed. 

I also called both agencies this morning without any success. It's still being reported on my credit report as of this morning!
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX Account # : XXXX XXXX XXXX : {$390.00}
Product: Debt collection

This is the third time that I am sending the information. I am not familiar with this debt collection company.
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion.

Costs are awarded to plaintiff against those defendants who have been served.

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 )
Product: Credit card

I do not have a credit card with Target. This is fraud and was not opened or used by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well a new account was opened up XX/XX/XXXX of 2022 up under my name which I never authorized and I had a freeze on my account because of fraud but Equifax seem to allow new accounts to be added on my account with a freeze on it but can never answer how that happened which this account is not mine I never opened this account that was open up XX/XX/XXXX or 2022
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 XXXX USC XXXX. 

The accounts below have violated my rights. 
XXXX U.S.C XXXX section XXXXA. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX DeaXXXX XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I requested SCRA benefits for my Citi Platinum account that I acquired before I joined XXXX XXXX on XXXX XX/XX/XXXX. I acquired this account in XXXX with a credit limit of {$2000.00}. I was told that my benefits were approved but because the card was charged off, there were no adjustments made. The date the card was charged off was XX/XX/XXXX. Payments were still being made to the account and the last documented payment of {$140.00} was made on XX/XX/XXXX ( verified by the customer service representative today XXXX XX/XX/XXXX ) which put my account at a {$0.00} balance. They could not tell me the amount of the charge-off because of the account being closed but assured me that I had a {$0.00} balance. When I asked the SCRA department how did they get this information as I was expecting an adjustment ( interest rate was 28.99 % ) with the account being at a {$0.00} balance since XXXX, they said that they went by my statements. I ask about that because I was told they could not retrieve the statements so how could they verify that an adjustment would not be made to my account. I have tried to call customer service multiple times over the past month ( I have a copy of phone to show the amount of calls ) about obtaining my statements and called today to acquire my statements since that is what I was told by the SCRA unit was used to make a determination to be told that because the account is closed that they could only provided me with a {$0.00} balance statement and they do not have the statements to provide me.
Product: Debt collection

Im not sure when Santander received my information to finance an auto in my name. However, I am a victim of XXXX  XXXX and I have a police report from 2011. My ex husband was arrested for charges and I have received a few things in my name before/ since divorce been final. I have sent in document to all Bureaus. The collection was deleted, and sold again so now Im back to dealing with the same problem. I sent in documentation proving that I am a victim of identity theft. Santander have a history of robbing people of many things such as contracts etc. Now that my life is back on track, I guard and protect my credit. I am filing a complaint to have this collection deleted immediately. I have supporting documents proving that this does not belong to me. Santander have sold the company to a company called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

XXXX My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested.

2. Two fraudulent collections are currently on
my credit report. I would like signed proof from both accounts with my signature giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXX  Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late. 

XXXX My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX TransUnion : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX Acct # XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates. 

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.
Product: Debt collection

An account was being reported as charged off and closed by XXXX XXXX XXXX on XX/XX/2020. I received a letter from Rushmore Servicing Center a couple of months later stating that an account had be acquired from XXXX XXXX XXXX by Rushmore Servicing Center the letter stated that they are the current creditor and all communications would be handled by Rushmore Service Center. I sent a letter addressing this matter on XX/XX/2020, I requested to receive the original instrument of validity in its original format and not copies of any billing statements that proves that I entered into a business relationship with Rushmore Servicing Center. I received a corresponding letter from XXXX XXXX XXXX  which I found to be a little strange because I sent the letter to Rushmore Servicing CenteXXXX. The letter I received had copies of billing statements and nothing pertaining to my original request. The letter stated that this was considered to be proof of validation but it wasn't at all what I requested. So, I sent another letter on XX/XX/2020 requesting to receive the same information in the previous letter that I sent. The corresponding letter that I received today as of XX/XX/2020 was the same response I received prior to this letter but still no substantial evidence that validates my request. I recently discovered that XXXX XXXX XXXX  uses the same information as Rushmore Servicing Center and operates under the same umbrella to continuning using tactics to deceive people into believing that they owe on these so call debts when they actually don't
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 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 XXXXUS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes this account information Medical Subject has not satisfied debt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries 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
Product: Credit card or prepaid card

Applied for a new credit card with Citibank back in XX/XX/2022. The promotional terms were if you spent {$4000.00} in XXXX months, you would receive XXXX citi points ( thank-you points ) in your account. 

There was an error in the system, and the card was sent to the wrong address so it was returned to sender. After going back and forth why my card never arrived, they finally figured out the wrong address was in the system. It took several calls to figure what the reason was, as no one would talk to me due to security reasons. A manager finally determined a work-around ( weeks later ) to get access to my account. I even had to pay the annual fee in person at a store since they wouldn't take my payment over the phone due to account security reasons. When the card finally arrived ( two months later after applying ), I only had a few weeks left in that three month window to obtain the promotion. I called customer service and explained that my window was now short, and they assured me to wait it out and when I do hit the threshold, to call back to get the points. I reached the minimum amount a few weeks later and when calling back, I was told I missed the window. I only had the card for a total of six weeks when I reached the minimum spend for the promotion ( which was three months advertised ). When I called customer service back, they said someone should have told me I got a two week extension. To make matters worse, the date that I reached the minimum spend missed their 'extension ' by only a few days. No one told me that when I called initially ; all that was said was to just 'call back when I reach the minimum spend ' and then they should take care of it. No Due to an error in the system for the wrong address, I only had the card six weeks before I reached the minimum spend for the promotion, yet was told they wouldn't honor it. Several mis-communications, frustrations, and mis-informings from the company 's side over a three month period and super unprofessional. The last communication I had was after I closed the account due to my frustrations. I was told that since the account was closed, they wouldn't honor it. Irony is I closed it because I was told there was nothing they could do for me earlier so why have an account open for an unprofessional company? I tried one last time to no avail. 

All of my current and future clients will know to avoid Citibank.