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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATED MY PRIVACY ...... 

15 U.S.C. 1681 Section 602A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

In XXXX of XXXX  I was quoted a rate on my home equity of XXXX on a Friday I picked up a check for {$20000.00} before spending the money my husband called the bank that Saturday and was quoted XXXX the following Monday we spent the money when the first statement came the rate was XXXX the employee who quoted the rate is gone and Pnc Bank  XXXX XXXX XXXX XXXX pa XXXXwill do nothing to help us they admitted the mistake and say the employee is gone I hope they are not working at another bank Pnc Bank really don't care they have done nothing not even a sorry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately -XXXX XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),
Product: Checking or savings account

On XX/XX/2021, I received two {$520.00} payments in my checking account from a person using XXXX. The person called me that she had sent me the payment two times. She was notified by the system that the " payment failed '' after her first attempt, so she send me the same amount again and noticed two payments have been deducted from her bank account. After I checked my checking account at Citibank confirming that I indeed received two payments of {$520.00} from her, I sent her back {$520.00} via XXXX in order to return her duplicated payment. 10 days later, on XX/XX/2021, a debit of {$520.00} showed on my Citibank checking account statement with a description of " XXXX Debit Adjustment ''. I called the bank on XX/XX/2021 questioning this transaction and was told that I received two payments of {$520.00} on XX/XX/2021, so they are taking it back. I explained that I have already paid back the fund to the sender on XX/XX/2021 as they can see the debit of {$520.00} on that day. Citibank customer service told me that I should reach out to the sender asking her to return my {$520.00} payment. I did ask the sender if she received a credit adjustment in her bank account before I called and the answer was " no ''. Citibank customer service opened a case for me for further investigation. I called the customer service again on XX/XX/2021 to follow up on this matter as I need the money to pay bills at month end. Response from Citibank was disappointing as it will take them at least 10 business days to respond. I ended up borrowing money from my relative to cover my bills that month. 
On XX/XX/2021, I received a letter from Citibank dated XX/XX/2021. The letter indicated that they denied my dispute of the {$520.00} XXXX adjustment happened on XX/XX/2021 due to the following reason : " On XX/XX/2021, you authorized a person to person funds transfer in the amount of {$520.00}. After further review, we have found there was a technical issue in sending the funds and the funds have now been resent to the recipient 's financial institution. '' The above assessment was wrong. The XXXX payment I initiated was already deducted from my checking account on XX/XX/2021. It should be noted that on XX/XX/2021, I reached out to the sender asking her again if she has received a credit of {$520.00} in her account. The answer was still " No ''. 

I called Citibank on XX/XX/2021 to appeal their decision, but it will take them another 10 days to respond. I am deeply concerned if Citibank has the competency to solve this matter and give my money back. People like me who live paycheck to paycheck really depend on these couple XXXX dollars. And why do I have to take on the cost of this mega bank 's system problem? This is a major system issue, I wouldn't be surprised if there are other banks customers got affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 Opened account XXXX XXXX XXXX XX/XX/2023 closed account on XX/XX/2023 I do not authorize this accounts and want it to be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called and spoke with Supervisors at Equifax regarding unauthorized inquiries on my credit report. I have contacted the Creditors hundreds of times and have even been advised they dont have anything with my name on it. There are multiple inquiries on my credit report that I do not recognize. I was told to file a complaint with the FTC ( you can ONLY file a complaint online with the FTC and they provide you with a report number ) and also send in a copy of my ID and social security card VIA FAX which I am attaching. Please remove the following inquiries from my report. 
See below XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit card or prepaid card

I have BBVA Visa Card one year and 2 month. Bad news, BBVA Visa replaced the card fourth time due to my card compromised three time with 14 month period. BBVA Visa someone inside leakage my information to third party and its charged in my account. I live in XXXX XXXX XXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that. 
When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid XXXX. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$37.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the false, inaccurate, and misleading entries on my consumer report have been unsuccessful. These records have severely disrupted my life, leading to considerable distress. I must emphasize that I never sanctioned or agreed to have this information associated with my identity, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/CARE Credit ( XX/XX/2014 ) for the amount of {$400.00}. Show on my credit report that I have a joint account that has been open in my name and XXXX XXXX. I have attempted several time to inform SYNCB/CARE that this is not my account and I have " never '' opened this account with XXXX XXXX. I informed them my signature was never on this account for approval and if my name is on the account someone else had signed it for me. I have ask them to send me a copy of the documentation showing were I signed, but as of today they have not.
Product: Payday loan, title loan, or personal loan

Pnc wont let me connect to XXXX. XXXX  chat is down due to Covid and I cant get in touch with an associate
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my Experian credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX / XXXX XXXX - {$1300.00} on XX/XX/XXXX, 4. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX XXXX date : XX/XX/XXXX, 6.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.
Product: Credit card

It 's about my dispute with Citi Cards, billing dispute department, XXXX XXXX XXXX, SD XXXX . 
I signed the contract to purchase the XXXX service from XXXX XXXX to XXXX XXXX on my last day in XXXX, outside the US with the XXXX XXXX XXXX Card on XXXX, XXXX. 
But they put the contract from XXXX XXXX to XXXX XXXX. After I came home I called their customer service to kindly change the date to my desired one, starting and ending in XXXX, XXXX times in XXXX but I received no response. 
Last time I had a chance to talk with their manager and he complied to do so, but still now I see no changes. 
I am not happy with their services. 
After that, the Citi card took over my XXXX XXXX card. 
I disputed this transaction but they have reversed it on XXXX, XXXX. 
Again, I made a dispute case XXXX with Citi Card on XXXX. 
Their company has sent me a lot of letters requesting my next payment, even though I have talked to their manager to fix their faults. 
I called and talked to their manager again to ask them to stop sending me the bills as I have never used their bad service. 
I try to dispute the reverse again but I could nt do t online by myself. 
As they are out of US and I feel unsafe since they know my credit card number. That is why I asked for a replacement of my Citi card on XXXX XXXX. 
On XXXX, I called in Citi 's customer service to make the payment, cancel the card and ask for helping to dispute this amount again. 
I sent a couple emails ( In XXXX, on XXXX XXXX and XXXX XXXX ) and called to Citi card to ask about my case and they asked me to wait. 
On XXXX XXXX Citi card cancel my credit card without any notice and explain reasons. 
On XXXX XXXX, Citi Card sent me a letter to say that the merchant refuse to issue the amount I have previously paid as I signed the contract. 
And Citi will bill me for the next 2 billing periods even though they cancel my account a month ago. 
1. Please kindly help me as I 'm so distressed with the terrible customer service of XXXX XXXX. I just signed the contract but I never used their service and I swear that I will never use their service. 
2. I think that Citi billing dispute department have to protect me as I am their customer, yet I am still immensely troubled. They have done very little research on this case because the files they have sent me are incorrect.
Product: Money transfer, virtual currency, or money service

on XX/XX/year>, {$3200.00} dollars was transferred out of my account, but I did not preform this transaction. Either it be fraud or someone hacking into my account and doing it, I did not authorize these payments. I immidiately contacted XXXX security team, which surprisingly took less than half a day to conclude there was " no evidence '' of fraud. it then took XXXX  days of me calling and asking for information for someone to finally tell me this on the phone. when i asked for any information, the person on the phone kept repeating " there was no evidence found '' and that is it. The company, robinhood, allows easy transferring of funds from a checking account to a brokerage, where the person that got into my account recklessly dumped my money, and lost it, into stocks that were obviosuly going to lose money.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the provisions outlined in 15 USC 1681, specifically section 604 ( a ) and 15 USCS 1666b. As per my understanding of these regulations, a consumer reporting agency is prohibited from furnishing an account without the consumer 's written instructions.

I have noticed that there are closed accounts on my credit report, and I would like to formally request their removal. According to the mentioned statutes, I believe that the presence of these closed accounts may not align with the legal requirements. 

Some accounts are listed closed twice Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681 , specifically section 604 ( a ) and 15 USCS 1666b . These regulations emphasize the necessity of obtaining written instructions from the consumer before furnishing an account. Additionally, I have identified instances of reported late payments, and I believe that addressing these concerns aligns with consumer protection laws. I kindly ask for a thorough investigation into these matters and, if applicable, the prompt removal of closed accounts and correction of any inaccuracies related to late payments on my credit report. Your cooperation in ensuring the accuracy and compliance with relevant laws is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. 

Background : For several months, I have been diligently corresponding with XXXX to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, XXXX has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. 

Details of the Complaint : Inaccurate Reporting : XXXX has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. 

Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, XXXX has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. 

Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. 

These actions have continued despite me providing proof from Discover themselves that the account had been closed and should not be reported as a collection account each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.