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

XX/XX/XXXX there were hard inquiries placed on my account without my permission. It was only supposed to be a soft inquiry. On XX/XX/XXXX my credit was only supposed to be ran once and the business put more inquiries on my account without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.
Product: Debt collection

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. 
Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Product: Credit reporting or other personal consumer reports

In my credit report, I disputed a negative account showing a debt due when there is no debt due. I submitted screenshots from the account showing that I canceled my policy, the account was closed and no balance due at the time of cancellation. I secured other insurance. Experian stated they were investigating but came back quickly and stated the creditor verified the debt. Whatever they used to verify can not be verified as I submitted verifying evidence to the contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter onXX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.
Product: Debt collection

We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXXHolder filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$580.00} XXXX XXXX  Bankruptcy XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Product: Credit reporting

I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 
I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be 37,244 days or 10.20384 years. Please correct my years of credit to 10-years, 2-months This is the third time I have submitted this request ... So please read this and absorb in its entirety ... Then respond accurately.
Product: Credit card or prepaid card

From the XXXX - We recently reported on the disturbing trend of large U.S. banks  most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number - XXXX Account status - Closed Date opened- XXXX XXXX, 2015 Account type - Auto Lease
Product: Credit card

On XX/XX/XXXX, I booked flights for XXXX people on XXXX XXXXXXXX XXXX  ( XXXX  ) web site. There was an offer on the web site to apply for XXXX XXXX credit card through Citi. I tried the link several times but just got a XXXX page. I called XXXX, who asked me to try another browser ( XXXX  ). I did that but got the same result. So the agent sent me a link to apply, which I did. It was accepted and everything was proceeding smoothly - so I thought. 
The flights were double-booked, since the web site was extremely slow and did not confirm the first set of flights. I called XXXX  and they assured me that the second set of flights would automatically be rejected, since they were clearly duplicates. When I received my bill, I saw that there were two sets of flights. I called Citi and although I had to file an official dispute, they immediately removed the duplicate charges. Immediately after the call I remembered that I had wanted to ask about the {$200.00} credit, which was not reflected in the bill. I called back right then and there and spoke with another agent. She was very helpful and told me that I had not applied for the credit card that I thought I had applied for, and consequently would not receive the {$200.00} credit. I noted that I applied with a link forwarded to me from XXXX, she was sympathetic and forwarded my objection along with a screen shot of the offer into the bowels of Citil. She promised to call on Wednesday, XX/XX/XXXX, which she did. 
I couldn't get to the phone on time but called the number right back and spoke with a different agent. She told me that my request for Citi to honor their {$200.00} credit offer was rejected because I had not received the offer " personally. '' I don't know what that means. The offer is on their web site. How personal can it be? I booked the flights, I paid for the flights. She said that the offer was good only if I received it via a communication to me and me alone. But it's on XXXXXXXX XXXX web site! I used the link that they sent to me! The agent told me that the decision was made by somebody somewhere and that there was nobody else I could speak with nor anything I could do. 
Citi and XXXX  engage in deceptive advertising ( the offer is still on their web site- please see attached document ) and then proceeded to bait and switch. I used the link provided to me. I had no reason to believe that it was for anything other than the {$200.00} credit offer. Citi refuses to honor their advertised deal. They changed the rules of the game - I now have to have had a " personal '' offer. They engage in circular logic and if I don't pay their bill in full ( without the credit ), I'll have their wolves at my door in no time.
Product: Checking or savings account

I am filing a complaint about how TD Bank handled my inquiries about the {$600.00} new account opening bonus. 
I received multiple mailers from TD Bank in XXXX stating that New customers can earn up to {$600.00} with qualifying activities. After going to the XXXX XXXX, PA branch with the mailer on XX/XX/XXXX. XXXX XXXX, the store manager, assisted me to open a new checking account, which I had {$2500.00} direct deposit within 30 days, and a new savings account with {$10000.00}. She directly told me that I should get {$600.00} bonus on or before 180 days of account opening. I called XXXX XXXX on XX/XX/XXXX to check the status of my opening bonus. With full information now, she told me that everything is in order, and I shall receive my bonus in two to three weeks. After the given time period XX/XX/XXXX. She ensured me that everything qualifies and I shall receive my bonus soon, but nothings happened since. Then I continued to call her since XX/XX/XXXX. But I failed to reach her. Then I emailed her on XX/XX/XXXX to check the status. She responded that she will let me know what happened. Then I emailed her and called her on XX/XX/XXXX to check the progress. Finally, she sent me an email on XX/XX/XXXX stating that Im not qualified for the promotion since I received a {$300.00} bonus on XX/XX/XXXX after multiple correspondences that I would be qualified. 
I am extremely disappointed with how TD Bank handled my request. First, why didnt XXXX XXXX tell me on XX/XX/XXXX or even in XXXX that I was not qualified for the promotion? Second, why was I told that I shall receive my bonus on XX/XX/XXXX? Third, why didnt XXXX XXXX follow up with promotional department in last 6 weeks? 
To make things worse, I continue to receive similar mailer stating I will receive bonus when I open new checking and savings account with TD Bank.
Product: Debt collection

I received an email for a collection of a debt that was NOT mine ( I have NEVER had ANY loan, mortage, credit card, NOR I have ever been married ) to the person the collector is trying to get in touch with. My affiliation to this person is over 10yrs. 

The XXXX representative was dismissive, and could not provide information with how my email was obtained for correspondence for this debt. The representative hung up on the phone on me.
Product: Credit card

Hsbc is inaccurately reporting on my credit. It is to my understanding that how long a credit item reflects on your credit for negative reporting is determined by the date of the last activity on an account. It is a serious violation of federal and state laws to not accurately report that information. Hsbc is reporting completely different dates on all XXXX credit Bureus which was disputed and came back as reported accurate. This is a violation of my rights to have an accurate credit report and a total disregard for law.
Product: Credit card

I filed a credit card dispute with Citibank for a charge on my XXXX from a 3rd party travel vendor XXXX for a hotel stay at the XXXX XXXX on XXXX & XX/XX/year>. The hotel reservation was made & paid for through XXXX for a total of {$580.00} with a transaction date of XX/XX/year>. On the 2nd night of our stay, we had to leave early due to a noisy guest in the next room. The XXXX XXXX manager agreed to give us a refund of 1 night of our stay which amounts to XXXX ( that email thread has been attached ). The refund request was sent to XXXX which handles reservations for XXXX ( also attached ) as I was told the refund needed to go through the 3rd party travel vendor. I never got the refund from XXXX for the 1 night of the stay of XXXX after repeated follow up attempts so I filed a credit card dispute with Citibank for the XXXX noted above on XX/XX/year> Citibank Case ID # XXXX. Citibank responded by letter requesting a " credit slip '' which I do not have as the issue is that I never got the credit from XXXX applied to my Citibank credit card account that I was pursuing. After I explained this to Citibank in a follow up email, they sent me a letter stating my dispute was closed and I would owe the full amount as I didn't provide the credit slip ( doc also attached ). Again, there is no credit slip which is the entire point of my credit card dispute. I have attached the refund request sent by the XXXX XXXX to XXXX XXXX I called Citbank back after my case was closed & explained this to a customer service representative who advised they would reopen my dispute. I tried to speak to the Citibank transaction dispute department but I was told that is not possible. Citibank again requested the credit slip in a follow up letter so I responded by email again advising there is no credit slip which is the exactly the reason I am disputing the charge. Citibank sent me a follow up letter on XX/XX/year> advising my dispute was closed again and I would owe the full amount. Their reason was the same as previously listed which was that I did not provide a credit slip. My impressions are that Citibank 's standard procedure is to side with the merchant as their response letters appear to be form letters and do not match the specifics of my charge dispute. Citibank 's online reputation is that they always favor the merchant in these type of disputes and their handling of my case appear to confirm this as their reasons for closing my case do not match my specific dispute. Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX have 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: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block, Inc. ) do to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial losses and I seek appropriate redress for these violations.
Product: Debt collection

According to code 15 USC 1681 ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX XXXX XXXX XXXX on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.
Product: Debt collection

I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect informartion on my credit report with Equifax. checking my file ive noticed alot of invalid data that is hindering my file. please update an clear my credit report.
Product: Debt collection

On XX/XX/2023, I was notified by phone that a debt collection agency ( SOUTHWEST RECOVERY SERVICES ) was attempting to contact me regarding an outstanding utility bill in XXXX. I informed them this was identity fraud. I emailed them a police report. 

On XX/XX/2023, they submitted the debt for collection on my credit report. 

They gave me no information regarding my rights. They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX  days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX  days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX  days, if different from the current creditor, the debt collector will provide you that information