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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXX XXXX XXXX XXXXXXXX, has violated my rights. Account XXXXXXXX XXXX XXXX XXXXXXXX, 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 instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID.

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CREDIT PLUS FACTUAL DATA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : " XXXX XXXX XXXX XXXX '' 4, A has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Product: Checking or savings account

In XXXX I was XXXX XXXX XXXX a XXXX XXXX XXXX XXXX starting my XXXXXXXX XXXX job at XXXX. Also, opened my first Checking and Saving account with Wells Fargo because it was right across the street from my job and school. I was only working XXXX hours a week, so I didn't have much money anyway but I was using my money for school events and XXXX XXXX, etc.I would keep my debit card locked to make sure to stop any unexpected charges, and I didn't have the money in the account to pay and didn't want any fees.I would literally stand at the checkout to purchase something and would get the total before unlocking my debit card and immediately lock it back. 
However, if charges like streaming companies like XXXX, XXXX and even my XXXX monthly subscription that were attached to my debit card would attempt to charge me would the card was still locked Wells Fargo would allow the charges to hit my account. Wells Fargo would post the larger charges to hit first taking my account farther in the negative and not pay whatever that originalcharge by returning it and then charging me a {$33.00} NSF for each charge.The NSF total charges would be, in most cases, higher than the amount for the original transactions all together. My account stayed in the negative before my check was direct deposited repeatedly week after week. And some merchants send the same transaction repeatedly to see if the money was in the account. XXXX would send the same charge 3 or 4 days in a row and I was charged a {$33.00} NSF each time. I called Wells Fargo Customer Service : asked why the charges are even hitting my account if my debit card is locked and they could see my debit card stayed locked.I was told Wells Fargo allow the transactions to go through as a courtesy for me to add money to cover the charges but that is the reason I locked the card in the first place. I knew I wouldn't have the money until my payday. My direct deposit was eaten up by all the NSF fees and there was nothing I could do about it, my money was gone before I could see it. 
I was with Wells Fargo for over 2 years and they charged me, at least, {$1500.00} in that NSF fees and when I closed my account to go to another bank, I received a check from Wells Fargo for {$100.00} stating they were refunding a couple of my NSF charges. I didn't know what to do ; I was young so I let it go and closed my account to go to another bank. I am now XXXX and I saw something to highlight companies questionable and unethical practices to file a complaint with CFPB. Also, finding out Wells Fargo has been doing the same thing to other customers and getting away with it. I don't know the statues of limitation on this to see if I can get my money back. Of course, I would love to get it it back but also be another person to voice their business practices.
Product: Prepaid card

I was given a {$30.00} American Express gift card ( non reloadable ) and tried to use it for various purchases, but was declined each time. I tried XXXX, XXXX XXXX XXXX, and XXXX and they all declined. None of those transactions were over {$10.00} so the balance wasn't the issue. The card was activated successfully according to the instructions on the back of the card. The website says it should work at any merchant that accepts American Express, but that just isn't the case.
Product: Checking or savings account

I am now trying to update my information with regions Bank on closed account information so they can have the updated addresses for three accounts that I have and they keep giving me a number with a repeating recording that does not provide any information the number that they provide to me is XXXX which does not give me the option to update my address so the letters that they provide on closed accounts to receive the compensation settlement can be directed to the correct address?
Product: Credit card

CitiBank N.A was willing to settle my credit card account for the sum of {$2100.00} on XXXX/XXXX/2015 unfortunately I was XXXX and unable to pay the amount. When I finally saved up the money to pay, I contacted CitiBank and was referred to a company called XXXX XXXX XXXX XXXX who initially wanted me to pay {$3600.00} and XXXX weeks later changed it to {$4700.00}. 

When I called XXXX back, XXXX XXXX a representative of XXXX XXXX referred me to a manager who said I had one hour to pay the {$4700.00} after which I would have to pay the full amount of {$5600.00} XXXX XXXX XXXX XXXX is the most unprofessional and crooked company I have ever had the unfortunate need to contact. They change the amount owed at will and when I asked for a manager, they put a very rude and obnoxious individual on the telephone who gave me an hour to come up with {$4700.00} or face paying the full amount of {$5600.00} saying I am not facing any hardship by his own determination.
Product: Debt collection

My name is XXXX XXXX. I have a problem with a collection agency called Firstpoint Collection that is reporting I owe them a debt for XXXX XXXX  however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a XXXX XXXX of the XXXX  I feel this is wrong and I need it fixed please is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This message needs to be priority. I don't feel safe contacting you guys through phone anymore. Ever since I paid off my personal loan on XX/XX/XXXX at the branch, there seem to be some 3 withdrawn that wasn't made by me. and it still you guys are charging me for a personal loan, when i literally paid it off. 

fraud transaction 1 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$5000.00} 2 ) XX/XX/XXXX Cash Withdrawal XXXX # XXXX Citibank ATM XXXX XXXX TXXXX XXXX XXXX XXXX XXXX, NV - {$1000.00} 3 ) XX/XX/XXXX Cash Withdrawal XX/XX/XXXX XXXX # XXXX Teller - {$8000.00} and why am i still being charged for this? 

XX/XX/XXXX ACH Electronic Debit - CITIBANK LOAN EZ-PAY - {$310.00} Once again, my account seem to be hacked and i don't know who to trust or who is doing this to me. I want my money back!! I might need to get a whole new account number or something needs to be fixed. I have already blocked my debit card since i don't feel safe around you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information about my background is keeping me from working and I need this repaired immediately the company is not telling me why I'm not getting hired to drive and I want what's bad in my background removed.
Product: Debt collection

I was renting an apartment at XXXX in XXXX, FL XX/XX/XXXX-XX/XX/XXXX. Upon leaving I verified with previous owner XXXX that the account was paid in full. 
In XX/XX/XXXX the complex was sold by previous owners XXXX and XXXX ( Last names unknown. ) New owners know nothing about this. 

Now, XXXX years later, Ideal collection agency is posting negative information. 

I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX and it was sold thus they have no information. Ideal refuses to provide contact information for previous owners. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was XXXX years ago I no longer have receipts or any such thing. 

My lady and I are XXXX and this is very stressful. We need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

Citibank has stolen my {$18000.00} checking account and will not give me access to the money. They will not tell me the security failure when i talk on the phone to them.Twice they say they sent a security code to my home by regular mail, but it never arrived and Citibank can not prove that it was returned undelivered. The problem is that they will not explain the security violation and will not send the XXXX XXXX XXXX where there must be a return receipt. It is sent regular mail with no tracking mechanism. For six weeks I have been unable to pay my bills and am in dire financial straits and about to be evicted from my home. I want Citibank to explain in writing the exact security fraud violation and send the code to open the account by XXXX XXXX.
Product: Debt collection

Failed to remove. See attached PDF, per US law a collection account can not show as an open account or a balance. Please read entire attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to XXXX and Equifax for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''
Product: Credit reporting or other personal consumer reports

I am being ignored as a consumer. This company is reporting inaccurate information without providing me documentation and evidence. This is causing me to not be able to fairly open up a checking account.
Product: Mortgage

I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX, with an Individual Taxpayer Identification Number, credit card from XXXX XXXX, USA address and a functional XXXX in the US. 

I Need to access my credit report/score but my information is not available in their websites : XXXX  Experian XXXX  XXXX How can I get my credit score?
Product: Credit card or prepaid card

Care credit pulled my credit report without my consent. I pay my bill every month, and had a XXXX credit limit with XXXX available credit. After they pulled my credit report without my consent, they decided to lower my credit limit.
Product: Debt collection

I spoke the XXXX XXXX about my rent and my situation. I was then given the option by the assistant manager ( XXXX XXXX ) to go through with an eviction process or leave my apartment by XXXX  XX/XX/XXXX at XXXX and be give a XXXX balance from XXXX XXXX. Me and my roommate followed instructions and turned in our keys and moved out belongings before the requested time. Some time later i looked at my credit report and was being charged {$6000.00} from them despite following instructions.
Product: Vehicle loan or lease

I purchased a used car at XXXX and financed it through Santander. In addition to the car I purchased XXXX XXXX ( XXXX XXXX warranty service ) and paid over {$1000.00}. When I returned the car and purchased a new one, I was told that the monies for the XXXX XXXX for my old car would be returned to Santander, but I paid it to Car XXXX. Santander was supposedly paid the money for my XXXX XXXX and would eventually be paid back to me. This is unacceptable and illegal. The money I paid to XXXX XXXX should be returned to me by XXXX XXXX and not sent to Santander. XXXX XXXX claims the money for XXXX XXXX was paid to Santander to make sure the original loan amount is paid off, but that is mixing apples to oranges. I was not able to walk out of the store without making sure the car loan was paid/satisfied. When that happened, all of my money, INCLUDING THE FUNDS PAID TO XXXX  XXXX FOR XXXX XXXX should have been settled. Sending the money owed to me by XXXX XXXX, to Santander, to see if I owed Santander money, when my loan to Santander was paid off is a frivolous waste of time and is illegal. It is simply a way for the XXXX companies together to mess with, hold up and deny the consumer their proper reimbursement. It has been a month since I traded my car in and have no information as to where my refund is. XXXX XXXX points to Santander and Santander points to XXXX XXXX. THIS IS ILLEGAL.