23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

You are a XXXX XXXX who cant read and you should be fired. Instead of removing the inquiry from my credit report you are choosing to be negligent and I will sue you in federal court for this. You should reference XXXX v. XXXX XXXX and see how much they have paid in attorney fees against me. You are ignorant, XXXX and the definition of petty. You state yourself WE TRIED CALLING YOU ON XX/XX/2018, TO GO OVER THIS INFORMATION, BUT WE WERE UNABLE TO REACH YOU. That is because you didn't have authorization to run my credit anyway and that is why it needs to be removed. You XXXX   XXXX if the inquiry was from me dont you think I would have answered? You XXXX! And I am not worried about calling you names, lets not forget our president calls XXXX football players XXXX XXXX XXXX XXXX so thats exactly what I think Chase bank is, a XXXX  XXXX for leaving a inquiry on my report which accounts for 10 % that is not mine. You will pay for this since you choose not to remove it you XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me or not authorized. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.
Product: Checking or savings account

Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion. checking my file ive noticed alot of invalid data that needs to be removed asap to help clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX Equifax data breach.
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX, XXXX, Transunion and XXXX to verify accounts listed on my credit report but intead they sent me a computer letter stating they believe is not me disputing accuracy of those accounts. I demand them to verify and proof how they verify accounts on my credit reportbut they have failed or have ignored my request.
Product: Credit card or prepaid card

I did a credit transaction with Amex and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan
Product: Debt collection

I received a letter in the mail from Orion Portfolio Services LLC for collections from XXXX in the amount of {$310.00}. I do not have an account with XXXX in any form. I have tried calling Orion and it redirects to a random number that's mailbox is full, there is no directory for the company on the call. It lists two account numbers one for XXXX # XXXX and an Orion account number # XXXX. I called XXXX and they ran both numbers including my social security number and found no account. I want to make sure this doesn't go on my account somehow. Thank you. The letter is dated XX/XX/2021.
Product: Debt collection

On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX  for {$220.00} against account No. XXXX. I have a current XXXX  account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX  account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00}
Product: Bank account or service

My debit card was hacked and the perpetrators racked up over {$500.00} on my account. I immediately called and reported the unauthorized transactions to the card issuer the same day and was told I needed to wait until the transactions posted. I called the next day when they posted and was told I would qualify for a provisional credit if I sent a written statement disputing the charges. I sent the statement via email that day which was a Saturday and also advised I would be filing a police report with local law enforcement. When I called to file the police report, I was told by the XXXX XXXX XXXX XXXX XXXX that I needed an affidavit from the card issuer to prove I disputed the charges. I called the card issuer back and requested the affidavit and the customer service representative said he would send it to my email. After waiting over 2 hours for the email, I called customer service again and they said they have to finish their investigation before sending any documents or crediting the provisional refund and their investigation can take at least 10 business days. They are obstructing justice and hindering my right to prosecute the criminals that stole my money.
Product: Credit card or prepaid card

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially
Product: Payday loan, title loan, or personal loan

Synchrony bank stated my account will not be reinstated so i want disputed items removed from my bill and late payments removed from credit report. 

I want XXXX XXXX  to be held responsible for deceptive business practices. It has been over 6 months & they have not honored the warranty I purchased! They sent synchrony bank a invoice with a fraudulent signature on it that did not belong to me. At this point I do not trust them in my home! 

If synchrony will not remove disputed items I want XXXX XXXX  to pay the balance of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I  received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Capital One ran three hard inquiries without my permission and Ive called five times to seek help. I only got the run around and was told to contact credit bureau. I wouldnt run three hard inquiries in row with same company denying me each time. I was in XXXX when these three inquiries occurred and explained this to capital one. 

Dates of hard inquiries : XX/XX/2021 XX/XX/2021 XX/XX/2021 Company phone number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 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: 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed i have fraudulent information
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXXXXXX XXXX violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in XXXX XXXX in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never filed this bankruptcy. Please investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Mortgage

In XXXX of last year, I asked Primary Residential Mortgage , Inc., for a payoff statement. They said they would send one, but I didn't receive it. I have asked again several times since then. Each time they promise they will send me a payoff statement so I can pay off the mortgage, but nothing has arrived.
Product: Checking or savings account

I opened a PNC Bank Business account yesterday XX/XX/2020. I deposited {$500.00} cash I also deposited {$10.00} via XXXX XXXX. I was told my funds will be available today XX/XX/2020. When my funds of {$510.00} was available early in the morning on XX/XX/2020 I proceeded to deposit {$2100.00} into the same PNC business account which brought my account up to {$2600.00}. During the day while checking my account my account balance said {$0.00}. Then I called PNC Bank customer service to find out what was the reason for this they said my account was pending closure. Which no reason has been given why my account was closed and my funds were frozen. I was told to go to the branch and at the branch the same woman who opened up my business account the day before told me that there is nothing that can be done until Monday. Ive also called customer service multiple times today and Ive gotten the same answer no one has told me why my account was closed. Now I have no funds available funds that are used towards my business which is affecting my business and my customers. I need this resolved as soon as possible this is hurting my business and my brand I need help.