23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a Citibank account online on XX/XX/2019. I received a debit card, and the checking account. I made two deposits in the account. Because i was told if i didnt, the account would automatically close in 30 days. To my knowledge my account was open. My employer sent me a XXXX transfer for {$2500.00} on XX/XX/2019. I called because although i saw the money, i couldnt transfer the money to my XXXX  XXXX XXXX account. I was told that i had to upload my ID, social security card and utility bill. 

The next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them. Rent is due and i need to pay my rent. I also explained to them that a late fee will be applied. They said everything takes 5-10 business days. 
My issue is if my account wasnt all of the way opened, or if any account is opened online.. where is a disclaimer saying that your account is not fully opened. And why take deposits until you gather everything you need to make the final decision. I plan on going to small claims court and suing for XXXX.. because this is absurd. No one has yet to help.. i have even contacted the ceo of Citibank, and no reply or call back XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Account : XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is trying to collect on a debt i do not owe and also i dont have a written agreement with them stating i will pay them. XXXX  never loaned me anything. Also this company is violating Federal law by violating 15 USC 1692C ( a ) i never gave them consent to contact me, also 15 USC 1692b ( b ) stating that the consumer owes a debt, 15 USC 1692d ( 2 ) by using obscene language towards me and 15 USC 1692e ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had sent a letter to Transunion regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX. XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Request for Removal of Accounts under USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported on my credit file, specifically regarding the accounts listed under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and after reviewing my credit report, I have identified several discrepancies concerning these accounts. My information was leaked in the data breach and I believe that these entries are inaccurate and should be removed from my credit file as outlined under USC 1681. 



The details of the disputed accounts are as follows : 1. Account # 2 XXXX {$190.00} 2. Account # 3 XXXX {$60.00} 3. Account # XXXX XXXX XXXX {$680.00} 4. Account # XXXX XXXX XXXX {$490.00} These accounts have been reported inaccurately and I request that you thoroughly investigate each one. I am requesting that all XXXX accounts be removed from my credit report due to non-compliance with the provisions of the Fair Credit Reporting Act and because the information is incorrect. 



Under the FCRA ( USC 1681 ), I am entitled to a fair and accurate credit report. As such, I ask that you investigate these items and correct or remove the accounts that are being reported inaccurately. Please provide me with a written statement detailing the results of your investigation and any actions taken on these accounts. 



If the information can not be verified as accurate, I expect these accounts to be permanently removed from my credit report. 



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



Sincerely, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check
Product: Credit reporting or other personal consumer reports

I DO NOT RECALL HAVING A CONTACT AGREEMENT WITH THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : EQUIFAX- ( Original Creditor : ). ACCOUNT NUMBER:XXXX XXXX- Account name XXXX XXXX. Account number : XXXX Account name : XXXX XXXX Account numberXXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.
Product: Debt collection

They put a lien on my property for a debt that I do not owe it is a medical debt through Hillcrest credit agency Tennessee and Kentucky I had for medical Medicare and Medicaid at the time of services the receptionist in the doctors office build it wrong I was not informed and now there are five or six liens against my property Ive called them and they will not negotiate or Remove the debt I do not notice I had for medical services were rendered
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with XXXX  and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off letters to dispute accounts with XXXX, Equifax and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Product: Debt collection

National Service Bureau , Inc . 


This company claims I owe {$12000.00} for a car accident where I was rear ended by a mustang where it was there fault for speeding around a roundabout and improper following distance which is on file with a police report. Not only has XXXX threatened to send me to jail if I do not pay back the money I DO NOT owe on behalf of XXXX XXXX, they also have issued a Driver 's License Suspension Request and once I called the company, I was told I need to " Be a big girl and own up to my responsibilities or I will go to jail. '' This company is beyond XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights XXXX 
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, credit repair services, or other personal consumer reports

XXXX XXXX bank and Navy Federal Credit Union gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and Navy federal credit union did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX XXXX XXXX XXXX bank and navy federal credit union should update credit utilization rate to three credit bureau ASAP.
Product: Debt collection

In XX/XX/XXXX, I left XXXX XXXX XXXX carrier and thought that I would get better value with XXXX. When I came to XXXX I bought my XXXX XXXX to be activated. I did not like the service so I went back to XXXX XXXX XXXX. 

The telephone number I have owned since XXXX. It was explained that I would get a final bill and that would finalize account XXXX account ( XXXX ). I got the bill approximately 2 weeks later and paid in full. This account I was told was associated with XXXX XXXX XXXX. 

Every few months I would get a small bill that would still be due. I pay it and stills 8 months later another balance due, the way it is explained is that I don't pay by the next billing cycle on a close account which I was told was ( XXXX. 

On XX/XX/XXXX, I got another bill for {$370.00}. I called them again asking them t explain why did a balance due for {$370.00}. No one really gave me a satisfying answer. 

I paid the account not knowing at that time they were transferring the balances all along from a XXXX XXXX XXXX XXXX Account XXXX XXXX ) to me. The amount of {$21.00} as of XX/XX/XXXX, which they explained that its residual fees form my closed account ( XXXX ). 

XXXX said that Diversified Consultants are the ones collecting on the account and that I had to report and register a fraud investigation with them. I asked that this be removed off my credit file as of XX/XX/XXXX it is reporting that I owe {$370.00}. Diversified credit said is because I owe the XXXX and if I paid that they would remove. 

They are refusing to refund any monies ( XXXX and Diversified Consultant ) or take it off my credit file overthought they told me the balance was associated with XXXX XXXX XXXX XXXX not anything to do with XXXX as they originally told me. 

If I had not went into the store on XX/XX/XXXX, i would not have known that they were transferring someone-else balance to me and making me liable for it My resolution that I an seeking is to be refund all monies paid and delete this from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX had physician services from XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. 
Recently, a amount of {$62.00} was reporter to my credit as non paid debt. 
On XXXX called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl . The representative confirmed that they Did not do a Negative credit report on this account. and that the account was sent back to XXXX XXXX on XXXX XXXX. 
On XX/XX/XXXX - XXXX XXXX confirmed that the debt has been sent to?? Cappio Partners Llc.Phone XXXX. Cappio Partners confirmed that the debt is administered by AC Asset Care of XXXX TX. ( phone XXXX ) and that this debt was reported to the credit agencies. NON-paid. 
I did requested a statement of this debt and have it send to my new address. I have received the statement dated XX/XX/XXXX. 
I need CFPB support to have my Credit report Cleared of this debt. Once my credit report is cleared of this debt I will pay the due balance of $ XXXX. This will ensure that the debt is cleared from my credit report thus avoiding delays if the payment is done beforehand.
Product: Debt collection

On XX/XX/2021 at XXXX ( eastern time ), I received a phone call from XXXX. When I answered, a female stated her name was XXXX and she was looking for my wife XXXX XXXX. I informed XXXX that my wife was asleep. She then stated that there was no message. I then inquired what company she was with and she stated that she was with Portfolio Recovery. I informed XXXX that I did not want the company to call my phone again. She proceeded to tell me that the company did not have a " do not call '' list. I informed her that I do not want that company calling my phone number again and all further calls are to stop. She again stated that the company did not have a do not call list. My wife has repeatedly told the company to stop calling and they refuse to comply with the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. 

The account was also paid in full.
Product: Credit card or prepaid card

I had a XXXX credit card for about 20 years. Approx. 4-5 years ago the interest rate for this card was reduced by XXXX to 8.99 % APR. Because of this, this card is one of 2 cards I use as my primary cards. 
XXXX accounts were purchased by Comenity Bank in XXXX XXXX, Texas effective in XXXX, XXXX. The interest rate continued at 8.99 %. Today I received notice from Comenity Bank that my interest rate was being increased to 15.49 % effective XX/XX/XXXX and this new rate applies to existing balances as well as new purchases. I contacted the bank to inquire why my interest rate was nearly doubling and was told this was a company wide policy change. I questioned if this was legal under the banking regulations and was advised by this person that they did not know. The person advised that they could put me in for an interest reduction but not before the new interest rate went into effect. I commented that there was no guarantee that the interest rate would be reduced. I further commented that I know that banks are having some difficulty alluding to that perhaps this was done because so many persons were defaulting on loans. I suggested that perhaps if the bank was having a problem and needed to increase the rate by a percent or two and give consumers adequate notice and written reasons for the increase, that perhaps it would be more acceptable but for the bank to just up and do this to probably thousands and thousands of people was unfair and just plain greed. I informed the person at the bank that I was not going to stand for this and I was contacting federal banking regulators. I told the person that this bank would never see any more of my business.
Product: Money transfer, virtual currency, or money service

I applied for job on XXXX for an XXXX XXXX position for a school. The listing was taken off the website, so I figured someone took the position, however, a person named XXXX emailed me and said she would send my email to a partner for a XXXX XXXX job. The job described that I would be running personal errands and the money would be for donations ranging from foster care to invoices to colleagues. We exchange information and the partner of the school said I was to start the following week, which was the week of the XXXX of XXXX. On the XXXX, the first purchase was for a XXXX XXXX XXXX for XXXX, and yesterday for a XXXX money order which was split into 3 orders : 2 for {$1000.00}, 1 for XXXX. I got an inkling to check my bank account, only to see it was overdrawn. I called my bank and they notified me that the check bounced. I did further research to see if any other XXXX XXXX  jobs had the same format of wanting to have people be XXXX XXXX for approx, 30 hours per week and for a set price per week, and for helping donate to foster care systems, to which I found plenty. I also went ahead called the school district, XXXX XXXX XXXX to verify if they were the ones who hosted the job listing, to which it was verified they did not, but they did have it for a XXXX position which has already been filled. I went to the bank Friday with photocopy evidence of our exchange to show that I truly thought it was a legitimate job offer, and that I wouldn't deposit a fake check as a member who just got my account out of the negative due to being homeless and unemployed. My bank will not reverse the funds, even though the representative I spoke to Monday inspected the check, and a different representative I spoke to Friday stated that this was a " common thing '' that happens, which I found odd because why not place proper protocols for people who are innocent so they won't be at risk?? The money orders were sent to an address in XXXX, TX, which they may not be at anymore. They money orders also have serial numbers to the which I have, AND I sent an email to XXXX card balance right now, as well as forward emails of the listing and the exchanges. I've filed a police report, FTC, Internet crime report, USPS, the whole nine.