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

I believe Transunion is in violation of 15 USC 1681b- Permissible Purpose. I have submitted letters stating my claim. I am attaching another here. I am wanting the 5 items to be removed expeditiously, as it is fair.
Product: Debt collection

I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for BULL CITY FINANCIAL SOLU. 
Fair Debt Collection Practices Act ( FDCPA ) Violation The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from attempting to collect debts if they are not properly licensed in the state. By attempting to collect on this debt without a valid North Carolina license, BULL CITY FINANCIAL SOLU is in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a complaint because of the very unprofessional manner in which I was treated over a debt that I do not owe. I am a XXXX year old, XXXX female veteran. I received a letter dated XXXX XXXX, 2017 on  XXXX XXXX, 2017 claiming I owed {$1900.00} for an unpaid debt ( Attachment 1 ). I called the company and was informed they could not find my case and transferred me to the supervisor. When I spoke to the supervisor he became belligerent and downright nasty. He made it very clear to me that he did not care what the problem was or my health but that I owed the money and could afford to pay. In the middle of the conversation he told me everything I said was recorded. I was asked if I had checked my credit recently. The supervisor went through my credit and told me I had the money and could pay. There was enough on my my credit cards that I could easily afford to pay off the debt. He offered me 7 months to pay {$1900.00} and then he reduced it to {$1500.00}. When I did not agree he returned it to {$1900.00}. I told him I owed IRS and he said he did not care. He did not care if I lived or died because I could pay the bill. I told him that I had sent papers to the second company canceling the debt. He said I had to send in a letter 30-60 days before time was up and it had to be sent in by certified mail to get a response. This is not true nor is it in the original contract which states I can do business by phone and does not mention certified mail. I told him I had talked with the second company and he said it did not matter. I explained my original contract was for 39 months not 60 months and he still did not care because the account automatically renewed itself with no notification to me. He belittled harassed and dogged me over my credit. I felt intimidate and bullied. The company he represents took over the contract from another contractor and never notified me of the takeover or offered me a new contact with better service. I only knew of a different address when I made a payment and I wondered why they had not received my payment ( Attached 2 ). I continuously complained about the service I received and had not used it for over 2 years. The present company and I did business by phone which is allowed in the original and contract I have. I asked to cancel the contract which the present company finally acknowledged by phone by calling me to resend them a copy of the original letter because they lost it, which I did ( Attachments 3 & 4 ). Names are on the fax with whom I spoke. The present supervisor refused to accept or believe what I told him. I deserve to be treated with respect. I do not owe the bill because the present company corresponded with me by phone. They called and asked me to send in the 2nd letter to cancel my contract after the date. They informed me my debt was cancelled by phone. No one told me I had to pay an outstanding amount.
Product: Credit card or prepaid card

Concerning Barclay Credit Card XXXXXXXX XXXX XXXX XXXXXXXX DE XXXX. XX/XX/XXXX unknown person gained access via internet to my Barclay credit card account and requested a cash advance of {$6500.00} to be deposited to a checking account at XXXX XXXX. Barclays was informed at that time and a fraud investigation was started. Card was closed. In XXXX the charge was still on my account so another fraud investigation was opened, second card closed. XX/XX/XXXX I was informed the investigation was still open and to wait. XX/XX/XXXX a letter was sent to my home stating the investigation had been closed because I confirmed it was my transaction. I never talked to Barclays nor did I tell them it was my transaction. I was not at my home when the letter came. In XXXX I again called about the charge and another fraud investigation was opened. At that time I notified and filed reports with XXXX, my local police department, the FTC.gov, and IC3.gov. and sent another letter to Barclays. XX/XX/XXXX XXXX sent my fraud packet to Barclays. On XX/XX/XXXX XXXX and I called Barclays fraud investigator XXXX # XXXX and he assured us that the case would be escalated and there would be an update 7-10 business days. XXXX and I called again on XX/XX/XXXX and fraud department said investigation had not been completed. A supervisor said he would call me back within 10 minutes with an update, he did not. This charge has been on my account for nearly 9 months with no resolution. In XXXX I was told 90 days or two billing cycles and the charge would be removed. I have written letters, called repeatedly, have not been able to use this card, high rate interest is accruing, and my credit score has gone from excellent to poor. I refuse to pay this because it was theft from someone I do not know. Please help me. Barclays is doing nothing. I can send any information you may need concerning this matter. Thank you.
Product: Debt collection

Bonneville Collections for a {$260.00} XXXX bill. Agreed to make XXXX payments XXXX in XXXX 2016 and the next in XXXX 2016. 
Made first payment of {$110.00} on XXXX/XXXX/16. 
Received a voicemail on XXXX/XXXX/2016 at XXXX. 
Returned phone call at XXXX on on XXXX/XXXX/16. 
Talked to a representive named XXXX. 
XXXX did not know why the collections company contacted me than demanded when will I be making a payment. 
I informed him that I just made my first payment a week ago. 
XXXX continues to ask me when will I make another payment. 
I let him know that this is harrassment to call and demand money when I just made a payment only a week ago.
Product: Credit card or prepaid card

on XX/XX/21 I went online and requested for a credit limit increase. I received a message stating that I will receive something in the mail 2-3 days. I received an email stating I have a new document in my capital one document folder. the letter was regarding my request for increase why it was denied. The letter stated I was denied because my recent payments are to low. I pay my credit cards balance off every month, I even make multiple payments off some months splitting what's due in have and making 2 payments. I called Capital One and was told to retry that its computer driven for the response and that it was nothing she could do. I always have an issue with Capital One regarding this account. They don't increase the credit limit automatically I have to manually request for one just to get denied, And I do not want to keep requesting a increase do I do not want my credit to keep taking an hit and be affected. They don't even look at what you are talking about it feels like the are reading a script to get you off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. XXXX sure that someone hacked my account and used my private information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of erroneous errors on my Equifax credit report. I have notified Equifax on numerous occasions of their errors, and they still will not fix it. So I am submitting a CFPB complaint. Please fix this issue.
Product: Checking or savings account

filed my first claim with Cash App maybe XXXX weeks ago. 
They closed my account with no remark. XXXX weeks later I found that all claims were active and open. I spoke with a few supervisors and they let me know that my Provisional Credit was issued. About XXXX employees refused me service, lied about claim details for example they quoted an entirely different claim and requested reports that didn't exist. There have been site errors, connection errors, and payment issue errors on every deposit related date. What is going on here CASH APP. HOW DARE YOUR EMPLOYEES STEAL FROM ME. I REPORTED THEM TO THE FTC AND THEY HAVE BEEN ORDERED TO REISSUE MY CARD AND ACCOUNT REFUNDING ANY CLAIM CHARGES. Such Horrible Service I could hear the people in the background tell the agent to drop my call and cross wire my funds. They ignored the Supervisor and stole from me to my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an alleged bankruptcy that is reporting on my transunion credit file. I sent in proof that the bankruptcy is not reporting the same across each bureau which is a violation of my consumer rights. Each bureau should have the same information across-the-board if the information is accurate according to the FCRA laws. This information is inaccurate and misleading and a violation. If it is not removed from my consumer report I will seek litigation for this violation. Also I was informed by Transunion that this alleged bankruptcy was information received from a third party which is XXXX. That also I a violation. According to the FCRA all information furnished is to be completely investigated before being furnished by the credit reporting agency and not received by a third party. I have documentation that XXXX have deleted the information from their files because they realized they was in violation. If Transunion got their information from XXXX which was deleted then Transunion also need to delete it from the files.
Product: Mortgage

On XX/XX/21, I applied on a application for mortgage loan. I did not qualify according to the lenders standards. the lender violated the fair credit report act and other application laws and regulations by giving our real estate agent credit information that they were not required by local and federal law to have. This caused us to lose the home we put an offer on and damaged our relationship with the local real estate agent. 

The loan officer was XXXX XXXX XXXX with Benchmark Mortgage. NMLS # XXXX. 

Numerous phone calls and text message were exchanged back and forth regarding the transaction. 

It is un professional for a lender to share specific information to a real estate agent that can cause harm or change their ( the agents ) mind in providing a service for their client.
Product: Debt collection

Acounts open since 2015 macys XXXX XXXX XXXX XXXX car insuranse my XXXX report show me all this debts
Product: Credit reporting, credit repair services, or other personal consumer reports

To : CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Consumer Portfolio Services put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Checking or savings account

This complaint is pertaining to a new account promotion offered to me for opening Citi Bank Savings Account XXXX. The promotion offered XXXX XXXX ( XXXX  ) miles for opening, funding, and maintaining a certain balance for a specific amount of time. The account was funded with {$10000.00}, making it eligible for XXXX miles if the money was held in the account for the required amount of time. 

I reached out to Citi Bank via their direct messaging platform on XX/XX/XXXX, asking when I would be eligible to withdraw the funds per the terms and conditions of the promotion. The sole reason for opening the account was for the promotional miles being offered. The Citi Bank representative, XXXX, told me that : " I can see that you have successfully met the offer requirements by XX/XX/XXXX. You can move the funds now as the account met the requirements. Bonus miles will be credited to your XXXX  account within ninety ( 90 ) calendar days from the date ( XX/XX/XXXX ) you complete all Required Activities. '' A screenshot was taken of his responses. 

Based on this response, I withdraw the majority of the funds. 

After the ninety days passed and no miles were credited to my account, I reached out to Citi Bank again, asking the status of these miles. The representative also told me that I had met the requirements and put in a ticket for resolution. 

I was recently informed, via an online letter, that I had not met the requirements for the promotion because I withdraw the funds early. 

My complaint is that I only withdraw the funds after asking Citi Bank when I could do so without jeopardizing the new account promotion. Whether XXXX was correct or incorrect in his response, I should not be penalized for that mistake. The bank told me that I had met the requirements, then they said I did not. I am filing this complaint with the hope that I receive those XXXX promotional miles. 

Thank you in advance for your time with this dispute. You can reach me via cell at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred XXXX GUSD and XXXX XXXX into my Blockfi wallet so to transfer into my XXXX account on XX/XX/2022 at XXXX. I got confirmation that it went into my Blockfi wallet. I got two emails from Blockfi requesting to complete identity verification using my ID ( this case I used my drivers license as my ID ) to complete the transfer into my XXXX XXXX account. I got confirmation on both regarding the id verification. 
Both transactions were still showing as pending as of XX/XX/XXXX. Today XX/XX/2022 I received an email from Blockfi that my XXXX transaction request is cancelled. Both currencies are still in the Blockfi wallet. I wish to transfer my funds out of Blockfi to XXXX.
Product: Debt collection

Systematic National Collection is damaging my credit reports, yet has not validated that I owe them anything. There is no proof of a signed contract between myself and SNC. Also, SNC is not licensed with the State of Arizona, a state in which I reside. I am also filing complaints with both the AZ Attorney General and the CA Attorney General.
Product: Credit reporting or other personal consumer reports

My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/year>, I found the accounts to be errors. The company XXXX XXXX  has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from XXXX XXXX stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a delinquent credit card from XXXX XXXXXXXX XXXX ( XXXX ) appeared on my Equifax report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had XXXX BoA credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
XXXX then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to XXXX, the issue is with Equifax ( only credit agency where the account is shown ), but Equifax refuses to fix it. 
From Equifax : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account that has been reported on my credit file. This account, listed under XXXX, appears to contain inaccurate information that I believe has negatively affected my credit score.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information. The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. Additionally, when an account is disputed, the reporting agency must verify the accuracy of the information with the creditor in question.

I request that you promptly reinvestigate this charge-off account and verify the validity and accuracy of the information with the creditor. If the investigation determines that the information is inaccurate or unverifiable, please ensure it is promptly removed from my credit report, as required by law. 

Please inform me of the results of your investigation within the time frame specified by law. If you can not verify the accuracy of this account, I expect its removal from my credit file. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX