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

" Please ensure a thorough and accurate investigation of consumer disputes. Failure to do so may result in legal action by the Consumer Financial Protection Bureau ( CFPB ), as evidenced by their recent lawsuit against XXXX for inadequate investigation practices. ''
Product: Debt collection

They dont answer my call. They dont call me back. This debt has already been paid back 100 % but it still shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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

I have recently gone through my credit report and found several accounts that appear to be fraudulent and unauthorized.
Product: Checking or savings account

I had a balance of {$390.00} dollars in my account on XX/XX/XXXX. I received an Ins. Check for {$2200.00} and deposited into my account on XX/XX/XXXX. The bank rejected the deposit and then withdrew an additional {$2200.00} from my account creating a negative XXXX. I expected the bank to catch their error and fix my account. However, on XXXX I received a letter from the bank notifying me of a - {$1800.00} balance. I contacted the bank and after being on the phone with the bank for over 2 and 1/2 hours they stated they would correct their error. I filed a complaint, complaint # XXXX and am still awaiting contact from the bank. 

I received another notification on XXXX that I had a negative - {$4100.00} balance. I again contacted the bank and after another 1 1/2 hours was provided a Case # XXXX but still the bank has not corrected their errors. 

I am filing this complaint as it appears that the Well Fargo banking system is systematically on rejected deposits " double dipping '' the amount creating negative balances and generating additional fees for the bank. I suspect that this is being done to many customers.
Product: Consumer Loan

Received letter from LoanMe , Inc. offering a loan of up to {$10000.00} at an APR of 99-180 %. 

That does n't sound right to me. The XXXX gives this business an A+ so I 'm not sure if it 's criteria can be trusted either. 

Maybe I do n't understand what a fair installment loan is but 99-180 % APR just seems ridiculous. What makes matters worse is that I could use the money and can just imagine there are folks out there who may just be desperate enough to accept the terms. It just seems wrong that these loan offers can be sent to people when they just seem so unfair.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.
Product: Checking or savings account

These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

False Credit Reporting XXXX XXXX currently reports three ( 3 ) open credit card accounts in my name with as being open in my name whereas I have only one open credit card account with them. I have reached out to them several times via email and telephone. They refuse to correct the false records have XXXX balance, I should not be worried about it. A manager in the bank even hung up on me today.
Product: Checking or savings account

I had initially filed a complaint with the CFPB on XX/XX/2020 ( complaint # XXXX ), to which the company respondedthat the {$1000.00} promotional credit will be honored withing a 90 day time-frame. 

The promotion involved depositing {$50000.00} which I had completed on XX/XX/XXXX. a 90 day period ( ended XX/XX/XXXX ) has passed. 

I am attaching a letter from CitiBusiness dated XX/XX/2020 which indicates that I have indeed met the qualifications for the promotion. To quote : " We have confirmed that your account has met the necessary requirements to qualify for promotion XXXX. Please allow 90 days from the date the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thanks for your inquiry. '' As the promised time has elapsed I have reached out to the branch manager of CitiBank at the XXXX XXXX NY location. She responded that the " back office '' is the one to issue credit but did not provide a way to contact them.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I would like to file a complaint about a representative of Central Financial Control. My roommate XXXX. ( I am happy to provide both my number and the number of my roommate upon request ) was on the phone with this representative ( call began XXXX/XXXX/XXXX beginning at XXXX XXXX ) with my permission and she was on speaker phone so I could hear the content of the conversation. I believe the representatives name was XXXX and but I was unable to hear his employee ID or branch number. As we dialed in my account number before speaking to him, it should be easy to look up who we spoke to. The phone call only lasted 2 minutes and 36 seconds, but in that period of time he yelled, threatened, and cursed extensively. The representative told me that he did not give me permission to record the conversation, so I do not have a recording of his cursing spree, as due to his request I stopped the recording. Considering that XXXX. was calling as my representative, reaching out to the company in order to *pay* a debt when I had not ever even been contacted by the company ( I discovered the debt in a review of my credit report ), I am shocked at this kind of abuse from their employee. I am sending a letter to the company reminding them that the Fair Debt Collection Practices Act of XXXX does not allow employees of debt collection agencies to use obscene or profane language, which he certainly did- with XXXX witnesses ( myself and my roommate XXXX. ). I also let them know I have reported this behavior to the Consumer Financial Protection Bureau and I would like to know the name and employee ID number of the representative we spoke to and what they are going to do about his behavior on their end.
Product: Debt collection

XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

On Friday, XXXX XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX, specifically the XXXX XXXX XXXX XXXX model, with the XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, situated at XXXX XXXX XXXX, XXXX, XXXX  XXXX. The dealership can be reached at ( XXXX ) XXXX. I secured an auto loan from TD Bank for a term of XXXX  months, with a monthly payment of {$600.00}. On XXXX XXXX, 2024, I received a welcome letter from TD Bank TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX, which included Account XXXX  : XXXX. 
Vehicle : 2024 XXXX XXXX XXXX : XXXX Term : XXXX  months Payment Due : XXXX XXXXXXXX XXXX Payment Amount : {$600.00} Subsequently, on XXXX XXXX, 2024, I received another letter from TD Bank indicating that We are unable to approve your application for the terms requested. However, we have conditionally approved your application on alternative terms which have been communicated to your dealer. Please contact your dealer for additional information. You will have XXXX  days from the date of your application to accept the new terms. lf you do not accept the new terms within the requested time, your application will be considered declined. 

After acquiring the XXXX  and receiving the approval letter from TD Bank, I am currently driving the vehicle. I have successfully transferred the car insurance from my previous XXXX, which I traded in, to the new one. However, after XXXX  days, TD Bank altered the terms of the financing for the new XXXX, reducing the financing period from XXXX  months. This change is concerning, and I request that TD Bank honors the original XXXX term with a monthly payment of {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. Please help!
Product: Bank account or service

So this is maybe like the third or fourth time Chase has overdrafted my college checking account for an " everyday expense, '' though the agreement I signed explicitly states that in the case of insufficient funds Chase is to decline, not accept my card. It was an option I specifically indicated as such to avoid problems like this. On XXXX/XXXX/15, with the latest charge before being two days before on XX/XX/XXXX, and with an indicated balance of {$4.00}, Chase approved a {$7.00} " everyday expense '' from the local XXXX leaving my account at - {$3.00}. I sent them a message about it, kind of upset because this is the third or fourth time, and they generically responded as though this was n't their fault. I 've had overdraft fees apply everytime before as I 'm sure they 're getting ready to pin me this time ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter my lawful and rightful consumer of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately created a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formalcomplaint and ademand for appropriate report modification ( s ) on your part. You are erroneously reporting inaccurately to the and XXXX and damaging my credit. You are behaving dishonorably in considerations of the FCRA aka the Fair Credit Reporting Act. The surety of infringement should be subject to fines and damages. I am providing you but this one last fortuity for resolution of this reported item. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it resembles that my mailed note was unexpectedly derided.
Product: Checking or savings account

I have {$0.00} dollars in my Robinhood brokerage and my account can not be accessed because Robinhood insists I provide information that I do not feel comfortable sharing with them. This is even after the XX/XX/XXXX data breach that affected over 7 million customers. I ask for any and all sorts of alternatives and am met with indifference. 

I WILL PROVIDE A FULL DETAILED REPORT AND MORE EVIDENCE IN ATTACHED FILES. They contain another banking institution 's contact profile for me, a blog post by Robinhood Financial and an email conversation with Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply or give permission to any creditor on my report to run my credit the XXXX use of my information compromise and I provide these inquiries was done with my consent and I would like to have this matter resolved with XXXX this with be my second time complaining regard this matter the first complainant was in XXXX of 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my Credit Score which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the Credit Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX  NY XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX, TransUnion and XXXX. These companies are not complying with their own policies in a timely manner. The investigation has taken longer than 30 days.
Product: Credit reporting or other personal consumer reports

This letter is to request an update on my personal information. As there is incorrect items. Please remove XXXX XXXXXXXX XXXX XXXX XXXX  as work. In addition my name should be only written as XXXX XXXX XXXX. Please remove all different types other than the one state above. Thank you!!