23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with unauthorized accounts being opened in my name and have been back and forth with numerous creditors in an effort to resolve these issues. More recently, I finally was able to prove to the creditor that the debt was in fact not authorized and it resulted in the creditor removing the accounts from all reporting agencies except for Transunion. Not only is this account still present on my report after it was removed from the other two at the request of the creditor but the account is being reported as derogatory and it is indeed not a derogatory account, just an unauthorized one. Additionally, I request on numerous occasions all remarks on this account be removed, and yet all things remain. 

The account in question XXXX : XXXX Opened ; XX/XX/2014
Product: Credit card or prepaid card

Citibank closed my Citi TY Preferred account for inactivity. Under California CIV 1747.85, " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. '' I did not receive any notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 


My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 


Specifically, I refer to the following accounts : FRAUDULENT ACCOUNTS : XXXX XXXX : BALANCE {$12000.00} ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Consistently, I've made sure that payments on this account are always timely, preventing any overdue status. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Recently checking my consumer report I noticed that I've been a victim of identity theft and found an account that I have no knowledge of listed under : XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this fraudulent item from my report immediately. You will also find a copy of my Identity Theft Report.
Product: Checking or savings account

On XX/XX/2024 I used this public link https : //www.americanexpress.com/XXXX to sign up for the XXXX point bonus. After sign up it only shows I am going to get XXXX. 

After communicating with chat support for about an hour I was told I was supposed to get a call back from a manager, which I never received.

From a quick search I see several other customers who are also having this issue and some were told the link was only valid if emailed to the potential customer. There is not such exemption in the terms, nor is there any indication that this a private offer only.

I, and several others, registered under the pretense that we would get what was promised in the terms, but have had the rug pulled out from under us in a bait and switch scenario.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. Equifax MTG XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit card

We have Citibank credit and make payments online with my bank bill payer. Until XX/XX/XXXX payments are posted in our Citibank account in 1 - 2 days, and debited simultaneously from our bank account. 

In XXXX our payment did not post for two weeks! We were concerned about late payment fees. Our bank confirmed payment was sent on their part. Followed up with Citibank and they verified no payment was received. We then made a duplicate and asked the service representative to return the check payment when the first payment was posted. CitiBank later returned our duplicate payment after it was posted on their end. 

On XX/XX/XXXX we posted payment to Citibank and after a week, contacted Citi as the payment was again not debited from our bank account. Citi confirmed no payment was yet received and gave the option to make payment over the phone which would be posted immediately. We declined to make another duplicate payment. 

We reached out to our bank XX/XX/XXXX as payment still was not debited. Our Bank confirmed our payment was sent the delay is on Citibank in posting payment. 
We followed up Citibank XX/XX/XXXX and asked what had changed since payments were credited in 1-2 days. The representative informed that starting XX/XX/XXXX, Citibank no longer accepts or posts electronic payments from any bank. Online bank Bill Payer payments are only accepted as a check so the payments are mailed by our bank. 
We shared the payment was sent XX/XX/XXXX and for mail check payments it was now 3 weeks later. Representative rechecked for payment and verified no payment was received as of XX/XX/XXXX. 

As of XX/XX/XXXX our payment has not been credited. It is poor customer service at for Citibank to suddenly discontinue electronic payment receipt from online banking without notifying customers. Citibank failed to staff up in their payment processing department for the mail checks they knew would increase as a result of discontinuing electronic billpayer payments. 

Citibank please accept online banking ELECTRONIC bill payer payments that so many customers use. 

We pay all our bills on time and understand delays due to mail increase during the holidays. Citibank now invites us to call them and make payments over the phone. Please assist us in getting our initial payment posted. 

Citibank rejection of banks electronic bill payer payments forces banks to mail checks out, and they do not have the staffing which delays posting payments. To our knowledge the major credit card companies including XXXX, XXXX, XXXX, and XXXX XXXX, accepts electronic funds transfer from banks bill payer systems. 

Citibank increase interest fees as daily credit balances increase with their delay in posting payments and in discontinuing electronic bill payments from banks. Thank you.
Product: Credit card or prepaid card

On XX/XX/2022 I went online and applied for an XXXX  XXXX XXXX which banks with Bank of America. XXXX  was running ( still is ) two promotions : 1. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days. 2. XXXX points if {$3000.00} in purchases are made w/in the 1st 90 days AND 0 % APR on Balance Transfers for 12 months. I called into BoA, twice, on XX/XX/2022 to get help with the application and confirmed BOTH times that I was applying for the 2nd promotional offer. On XX/XX/2022 I received my BoA card and was reading through the terms and conditions- I noticed there wasn't anything about the 0 % APR for balance transfers so I called in. The 1st rep said : that he didn't see that promotional offer but he'd contact his underwriting department. After a minute on hold he came back and said " if you transfer over the {$15000.00} then what we can do is apply for a 0 % adjustment for you as a courtesy but it's not guaranteed ''. I obviously didn't do that but it's absolutely appalling that a Financial Institution is attempting to negotiate with a customer when they are ones in the wrong. The second rep was much more helpful. She is the one who told me that XXXX was running two promotions and I must have applied for the wrong one - even though BoA confirmed, twice, it was the correct one. She talked to her manager who said " sorry nothing we can do - call XXXX  ''. I called XXXX  and they said, " so sorry but we don't do anything with banking ''. No kidding! I knew that BoA was just trying to get me off the phone. This is completely unethical and honestly super disappointing. BoA pulled our credit, was quick to charge their {$75.00} fee ( the next day - didn't even have my cards ) and now they are saying there's nothing they can do. Where I messed up was I didn't print off the promotion from XXXX  's website when I was applying because I trusted the 2 BoA reps- I should know better as I've been in business a long time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my knowledge or authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$5500.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date XXXX XX/XX/XXXX
Product: Debt collection

For the past few months Ive been receiving what I thought was phishing / spam texts about money owed. It turns out money has been taken out of my account on several occasions. When I addressed this issue I was told they do not have a contract nor do they send physical bills and that someone would call me within 48 hours. That never happened and Today I received another harassment text message stating that that account was past due. I do not owe nor own the debt in question and I wish for them to credit all of my securities back to me and cease and desist communications with me.
Product: Debt collection

on XX/XX/XXXX I received an alert on my credit monitoring system about a supposedly owed debt on the amount of {$18000.00} to XXXXQ Data Internacional from a creditor named XXXX XXXX XXXX  XXXX XXXX XXXX ( TX ) allegedly obtained on XX/XX/XXXX. 

The same situation happened last year where my identity was stolen and used by a different apartment complex also located in XXXX XXXX, Texas. It was a burden and a stress to go through the process of proving that my identity had been stolen and I did not obtain such debts. I don't want to go through all of that hassle again. 

So I am attaching all documentation from last year 's complain, along with the police report. My credit has been frozen since XX/XX/XXXX, and credit alerts has been in placed on all bureaus before this incident and yet, there are creditors that doesn't even perform a proper verification.
Product: Debt collection

First collect is trying to collect a medical debt without getting my informed consent per HIPPA law, they accessed my medical information and violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Checkr, its United States affiliates ( collectively, Checkr, we, us, our ) are not authorized to collect, use and share personal data about me without prior written and direct instructions from consumer. 
I recently received a notification checker sold an employer a copy of my consumer report without my written authorization XXXX XXXX, I also reviewed my consumer disclosure & consumer files and noticed Checkr reporting my non-public information. 
Checkr is not authorized to collect, use, and share public records information relating to consumer. 
Checkr has 15 days to permanently delete and remove the following records from my consumer background report, consumer disclosure and credit file upon receipt of this notice. 
Checkr must provide free copies of my consumer report, consumer disclosure and credit file showing the public records information has been deleted and removed. 
Checkr is only authorized to collect, use and share information with the prior consent and written instructions from consumer. 
Any authorized use of consumers personal data will not be tolerated. 
By sending you this notice consumer does not waive any rights to take action against Checkr for any past or future violations of the law. 
Sincerely, XXXX : XXXX All Inalienable rights reserved.
Product: Credit card

I enrolled in the Amex Offer for XXXX and followed the instructions to use the offer but American Express is claiming because I used XXXX XXXX  that my purchase doesnt qualify. This exclusion makes no sense when it clearly states on American Express website : XXXX XXXX XXXX XXXX XXXX ) Can I take advantage of Amex Offers using XXXX XXXX? 

Yes. If you enroll your American Express U.S. Consumer or Small Business Credit or Charge Card in Amex Offers at merchants that accept American Express contactless payments, you can make qualifying purchases using XXXX XXXX  that will be eligible for the offers. Amex Offers is not available for American Express Corporate Cards. To learn more about enrolling in eligible offers, please visit AmexOffers.com.
Product: Credit reporting or other personal consumer reports

XXXXELF Financial has two accounts on my credit report open in my name with opening dates less than 6 months apart. Both are negatively affecting my account and the CFPB hs done nothing to rectify this. Self has been allowed to falsify multiple accounts on my credit account only using one account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion and XXXX didnt give them permission to do so.
Product: Credit reporting or other personal consumer reports

Here is my undisputed proof of why Ive been saying please remove this mortgage from my credit report, you guys said all information was verified, clearly you did no verification of any kind, Im really tempted to file a lawsuit against you.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun on my credit reports. Section 611 ( a ), it is plainly stated that a faiIure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. I demand those items to be deleted immediately as it has been over 30 days or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

The credit bureau is causing conflict of interest because it is being paid to furnish debt on my credit bureau being unverified. Because they are being paid to furnish accounts monthly they are not accurately doing a full verifiaction of debt. I was never given the right to validate the debt before placing on my credit report and because of this im getting denied credit instead of approval. The wrong information is being submitted to creditors
Product: Credit card

On XX/XX/year>, XXXX completed a fraud investigation and determined that I was not responsible for the reported fraudulent activity. This fraudulent activity was removed from my XXXX XXXX. However, XXXX should have refunded the payments that I made on this fraudulent account to ensure my XXXX XXXX was not affected during their investigation. The total payments I made to XXXX is {$1500.00}. Please see the attached payment history and Barclays XXXX investigation findings.
Product: Credit reporting or other personal consumer reports

the information reporting on my credit is incorrect and inaccurate, they have not provided me with the validation i requested not once but TWICE ive asked for these accounts to be validated and verified. i have not received any paperwork or contracts signed by me.

they have Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.

please remove XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is hurting my life and preventing me from getting a auto loan. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information of Bankruptcy on Equifax report