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

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights Inquiries to be removed : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX see attached ID AND SOCIAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A credit card was taken out in my name. I didnt apply for any credit card. And the credit card took my score down. And its not mine Im a XXXX XXXX at a XXXX XXXX. And I play XXXX  off a XXXX so my schedule is busy. Im telling you guys XXXX XXXX XXXX is not my card. I havent even applied for any credit yet.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance {$700.00} charged off. A charge off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to Congress 15. US code 1681 2AI no transactions or experiences are allowed to be on a credit consumer report. I have never received a 1099c form from the creditor. Also a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that is in violation 15 U.S code 1692c that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Watch the account number that XXXX  funding tries to say they're verifying. They're verifying the wrong account number that does not exist. Carefully view the account number they're verifying. They are also reaging the account which is illegal, Aunt. They are trying to report the account as in collections as a new account which is fraud.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

XXXX XXXX, dba XXXX XXXX XXXX XXXX paid Prancer Capital Corp the sum of {$11000.00} for the payoff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Ms. XXXX traded her vehicle at our dealership on XXXX. Our dealership paid off her trade-in to Prancer Capital Corp on XXXX. The check was cashed by Prancer Capital Corp on XXXX. MsXXXX XXXX and myself have reached out to Prancer Capital Corp. several times requesting the release of the title. As of today, we still don't have the title.
Product: Mortgage

The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. I have no other recourse apart from this complaint, so I hope it helps XXXXXXXX XXXX  and CMC Funding Inc find the motivation to help me get my bill paid on time using a safe and secure method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Product: Credit card or prepaid card

SUMMARY : US Bank refuses to honor the signup bonus per the terms and conditions I applied under, and as a result ( intentionally or unintentionally ) baited me into paying a {$400.00} annual fee for a card with a promotional offer that would not be honored.

DETAILS : On XX/XX/XXXX - I applied for the " US Bank Visa Infinite Altitude Reserve '' card. I was approved for the card on or around XX/XX/XXXX. The card advertises a " XXXX US Bank point bonus after spending {$4500.00} on the card within the first 90 days of card membership ''. The terms and conditions stated at time of signup : " One-time XXXX  bonus Points will be awarded when you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and after eligible Net Purchases totaling {$4500.00} or more are made to your account within 90 days from account opening. Points are earned on qualifying Net Purchases. " Net Purchases '' are purchases minus credits and returns. Please allow 68 weeks for your bonus Points to be credited to your Account. You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type. Existing and previous U.S. Bank Altitude Reserve Visa Infinite accounts are not eligible for bonus Points for a similar account type. One-time bonus Points do not apply toward account upgrades. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. " I later called to verify this sign up bonus. It was verified as valid by Customer service.

I then received an email re-iterating the terms and conditions, and promotional offer on XX/XX/XXXX. Some time later, in theXX/XX/XXXX statement period, I completed the requirements ( spending {$4500.00} on the card ). I called customer service in XXXX, and was told I would get the bonus points on the XXXX statement.

When the XXXX   statement posted - I did not receive the bonus points, as promised. So I called customer support again on XX/XX/XXXX. I was told by a supervisory customer support representative that I was not eligible for the points because I had the card previously. The terms and conditions of the offer state clearly : " You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type ''. The Supervisor acknowledged that this was correct, however refused to honor the promotional offer. As a result, I requested to close the card, and have the annual fee refunded but was told that an annual fee was refundable only within the first 30 days.

I have attached : ( 1 ) The email received on XX/XX/XXXXstating that I would receive the bonus after spending {$4500.00} in 90 days. ( XXXX  ) ( 2 ) The US Bank altitude promotional offer as shown on the web-page I applied on datedXX/XX/XXXX. ( XXXX  ) ( 3 ) A screenshot of the terms and conditions ( as stated on the page I applied via ) datedXX/XX/XXXX. ( XXXX )
Product: Credit reporting

Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : 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 reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and found unauthorized inquiries and accounts, they are effecting my ability to obtain credit for my every day living.
Product: Debt collection

On XX/XX/21 I have sim associates calling me 10 times in a row at XXXX and also on XX/XX/21 they called 8 times in row also and numerous calls all day
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This incorrect reporting is having a significant negative impact on my XXXX XXXX and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and TransUnion multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.
Product: Debt collection

Charge off-ask them for the XXXXXXXX XXXX XXXX I never did business and if I did this is in violation of XXXX, and its also a XXXX XXXX  which isn't allowed on my credit report per XXXX Consumer Protection for XXXX XXXX Collections Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the Military Star credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Product: Bank account or service

I received a promotion communication ( see Attachment 1 ) from Citibank regarding the new Citigold checking account offer in XXXX XXXX. I used the promotional code in the communication to apply for my Citigold checking account last XXXX and my account was reviewed and approved by the Citigold new account service team without any issues. After I met all the terms and conditions to obtain the benefits of this offer, the incentive was not credited properly to my account. Thus, I made the first inquiry regarding this promotion in XXXX XXXX ( see Attachment 2 ), and the customer representative indeed confirmed that I met the requirements for the promotion and suggested me to wait longer since the incentive should be credited no later than the end of XXXX XXXX. However, Citibank never issued the credit and subsequently claimed that I did not qualify for this promotion which should be targeted to customers who received the promotion communication, even though I do receive the communication and can provide a photocopy of the printout as a proof of eligibility ( see Attachment 1 ). 

I must reaffirm that the Citigold checking account offer was addressed to me and I have met all the terms and conditions to obtain the benefits of this offer. I should qualify for this promotion based on the following two reasons : First, I do receive a promotion communication regarding the new Citigold account offer and keep a physical printout of the offer disclosures ( see Attachment 1 ), which serves as a proof of eligibility. Second, I used the promotional code in the communication to apply for my Citigold checking account. My account was approved and the Citigold new account service team never informed me that I was not eligible for the promotion throughout the account reviewing/opening process. If I was truly not eligible for the promotion, my account application should have been denied at first place when I used the promotional code to open my account. However, I never received an error message nor notification informing that I am not eligible upon account approval. Furthermore, the customer representative has confirmed that I met the requirements for the promotion when I made the first inquiry regarding this promotion in XXXX ( see Attachment 2 ). 

Citibank should not take advantage of this misleading marketing advertisement to lure customers to open new accounts. Please keep in mind that there is also a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using this false advertisement, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as County of XXXX XXXX Family on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX County Family and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.
Product: Mortgage

My mortgage is currently owned by Green Tree LLC. Today ( XXXX XXXX ) I received a statement notifying me of an increase in my monthly payment to cover hazard insurance because they claim I do not have insurance coverage on the property. That is not true. 
On XXXX XXXX my insurance company faxed my insurance policy showing them as the loss payee to the toll free number listed in their dunning notice. On XXXX XXXX I called Green Tree and was told the fax was received and that my insurance information was on file with an expiration date of 2016, which was correct. 
I updated the loss payee information on my insurance when I renewed it in XXXX this year, but I used the Green Tree address on my mortgage statement because I did not realize I should have used a different XXXX. 
When I received the first dunning notice from Green Tree in XXXX I was so upset that I did not read it carefully. I faxed them a copy of my insurance policy myself, not realizing I should not have done that, nor that I had used the wrong address for Green Tree. 
When I received the second dunning notice from Green Tree on XXXX XXXX, I realized my mistakes and immediately called my insurance company to correct the loss payee information. While I was on the phone with my insurance company, they faxed the updated information to Green Tree, as stated above. 
I do not understand why Green Tree sent me a hazard insurance policy dated XXXX XXXX and a statement dated XXXX XXXX when they had confirmation of my insurance on XXXX XXXX. My handling of this situation was inept, but my insurance policy never lapsed and the hazard insurance they are charging me for is not required.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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.