23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act this creditor, Upstart, has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " 	 also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 16668 " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Debt collection

A letter was sent to my addresses stating that i owed XXXX. No information was given as to where this debt came from, when I requested debt validation documents, I received another letter stating that they submitted a subrogation claim to my state driving services. No validation documents have been received as of XX/XX/2024. I sent those documents Friday XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX XXXX XXXX
Product: Debt collection

I don't have dates but for a year this company has been harassing me by calling my employers and calling friends and family members. Last week they called my current boss and told him they were looking for me for a red light camera ticket in XXXX. I've never been to XXXX and since I am a XXXX XXXX my manager was concerned and forwarded me their contact #. I called them back in XX/XX/2019 and they said they were going to serve me and I never received any information. Now recently they are starting to call again. The debt is over 10 years old and doesn't show on my credit. They told me last week they were going to serve me at my job. After speaking to them the debt is from a bank as a payday loan was taking money from a old bank account I had.
Product: Debt collection

Ally keeps calling trying to collect a debt from a family member that I am not in contact with. I have told them this information repeatedly and they have stated it my obligation to give the the family members number. I do not have her number nor her address because we do not communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; US DEPARTMENT OF EDU XXXX XXXX XXXX : XX/XX/XXXX ; XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter to WELLS FARGO DEALER SVC in regards to a fraudulent account add to my credit report. It was a Cease and Desist letter that WELLS FARGO DEALER SVC acknowledged they had received. They stated they would cease communications. However according to the FCRA they are violating my rights. They have continued to " COMMUNICATE '' with the credit reporting agencies and therefore communicating with me indirectly. The laws clearly state that this goes against a cease and desist demand. In addition to this violation they have 6 other violations of my federally protected consumer rights totaling in {$7000.00} in damages. 15 USC 1692k states court may allow, but not exceed {$1000.00} per violation. 

15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt 15 USC 1692g ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader 15 USC 1692g - The term creditor means any person who offers or extends credit creating a debt. I, the natural person, am the original creditor, do not validate this debt 15 USC 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681m ( d ) ( D ) - Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( 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. 
I'm in the process of purchasing a home and this company has caused me mental anguish, damage to my reputation, and lost wages due to this fraudulent account. I will be pursuing civil compensation. I have sent this company an Affidavit of Truth stating all that is true. They continue to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.
Product: Credit reporting or other personal consumer reports

I recently view copies of my ( Equifax, XXXX and XXXX ) consumer reports and noticed that it is reporting my experience with XXXX XXXX XXXX XXXX. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( s ) on the following date ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This reporting is illegal and XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX and I. 

XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT to be included on my CONSUMER REPORTS. 

i requested to be provided with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that XXXX have adopted to ensure that each periodic statement is mailed to i ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

XXXX had 30 days from the date that they received this request to provide me with the information that I was requesting. XXXX did not provide this information in the allotted time given, and it is assumed that XXXX can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account )
Product: Credit reporting or other personal consumer reports

i opted out of all credit products YEARS ago and these people are stillXX/XX/XXXXand when i complain they told me to go XXXX myself. totally illegal harassment. i want OUT of their XXXX systems and i want them to be prosecuted for the fraud which instigated this whole ordeal. i am owed in excess of a XXXX dollars. return my collateral now! stop contacting me. send further communications here : XX/XX/XXXX here is a copy of the text from their latest email : XXXX XXXX, Thank you for reaching out to Upstart XXXX XXXX and sharing your concerns. We take the concerns of our customers seriously, and when we do not meet your expectations we are grateful to hear from you. 

We have performed an in-depth investigation to address your concerns. 

We are unable to delete your information or documents submitted or collected during the application process because Upstart maintains records of its interactions with customers and consumers to support its ongoing business concerns which include meeting various requirements from outside parties. Im not permitted to discuss our specific requirements with you, but you can rest assured that your personal information is stored securely and that it will not be sold or shared with other organizations, except as required by law. 

We store this personal information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in our Privacy Policy. 

Our Privacy Policy explains how we collect, use, and protect your information. You can view the policy online at any time by following this link : https : //www.upstart.com/privacy_policy. This information can also be found at the bottom of any Upstart XXXX XXXX page. 

We can confirm that we have withdrawn your application, added you to our internal do not mail list, and removed your email address from our email list. 

We regret to hear that your experience did not meet your expectations, but we appreciate you taking the time to speak with us regarding the concern. 

We strive to provide an excellent customer experience to all consumers that seek our assistance. We are always looking for ways to better our service, and your feedback is an invaluable part of that process. Please know that the feedback you provided will be considered as we continue to enhance our products and services. 

If you have any questions, you can email Upstart XXXX XXXX at XXXX, or you can call us at ( XXXX ) XXXX. Our phone lines are open every day from XXXX PST ( XXXX EST ), except XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX Day. 

Best regards, XXXX Upstart XXXX XXXX XXXX upstart XXXX XXXX ref :! XXXX.! XXXX : ref
Product: Money transfer, virtual currency, or money service

This is a Challenge Letter referencing Case No : XXXX pertaining to Gemini.com, previously submitted but now closed. I have been advised by an expert crypto scam recovery firm I've hired to upload this letter to your website in yet another attempt to receive justice and compensation. Please do the needful. Thank you.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 XXXX called me saying i owe {$250.00} as my electricity bill was not paid and they would turn off the electricity in 30 mins if i would not pay. I agreed to pay as i was scared they would cut off the electricity as i live in XXXX and we was having a XXXX  and XXXX XXXX XXXX. They told me to pay through XXXX and my electricity would not be cut off. I paid {$250.00} then they said actually we are sorry you shouldnt have added the XXXX XXXX  can you send again as we didnt get the payment I told them i didnt have enough funds to pay {$250.00} they said ok pay what you can then we will refund you back the XXXX i ended up paying {$230.00} all through XXXX thinking it was XXXX company. This morning around XXXXXXXX XXXX ( XX/XX/2022 ) they called to say they was going to give me a refund and i had to go onto XXXX  and add {$250.00} and on the memo to write refund of that amount, i was very unsure but i really thought it was XXXX  calling back to give me my refund. I did what they told me to, and {$250.00} went out of my account again. I told them what are you doing, they told me to calm down and listen to what they are saying. They say i needed to have funds of the amount i sent to get a refund. I explained to them all my money has gone and didnt have the funds and they said i had to send an amount to keep the case open so they could follow up. I sent another {$100.00}. I got to work and told my colleagues and they said i was being scammed, i called XXXX  and they told me i was scammed, i filed a police report. Is there anyway you can help me get my money back, or even some of it. Can you advise me anything i can do. Please let me know
Product: Mortgage

We have our mortgage with PennyMac, we have our flood insurance and homeowners insurance paid out of our escrow. 

XXXX XXXX Sahn from Penny Mac had called me at XXXX XXXX  to inform that they had paid a flood insurance payment out of escrow but they had paid it to the wrong policy, ( a completely different account holders policy ). This resulted in " non-payment '' of our flood insurance policy and was cancelled. Penny mac had made the error in XXXX of XXXX and called us in XXXX of XXXX ( almost a year later ) to inform of the error. 

XXXX had sent an email ( see attached ) to our insurance agent admitting the mistake and to work with us to get a new policy, new flood insurance policy was in play by the afternoon of XXXX. 

XXXX XXXX had put a gap flood coverage plan in place for XXXX and will expire on XXXX. I had received a " notice of cancellation '' letter after I already had replacement insurance on file, letter dated XXXX. ( all XXXX letters from Penny Mac are attached below ) We have never had a missed payment with our mortgage or insurances since we have had PennyMac services.

Since this was an error on Penny Mac part, which was admitted in email to insurance company. We are being charged gap coverage and fees due to the " cancellation/non-payment ''. 

I spoke with XXXX XXXX on XXXX at XXXX with Penny Mac and a ticket was submitted on my behalf to rectify the situation the request was as followed : XXXX obtain the XXXX that was paid to incorrect party back as a credit to our escrow- this was completed I believe XXXX. Reverse any gap coverage amount and fees ( XXXX for the gap coverage and possible fee of XXXX ( see letter dated XXXX and XXXX from Penny Mac ) I spoke with a supervisor XXXX and again reiterated that it was not the fault of us that a payment was made to the incorrect policy. She did state that a ticket was entered and will be finalized by XXXX and we will get a call from Penny Mac. 

XXXX I called Penny Mac at XXXX and spoke with XXXX, he said that the ticket was closed out on XXXX and that the outcome of the review is that XXXX as the consumer would be responsible for the gap coverage and fees, which is a total of XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Checking or savings account

My account was compromised due to identity theft and according to multiple consumer laws and the FCRA this should not be reflecting on my consumer report and preventing me from being able to open a bank account. Please remove these immediately from my consumer report so that it is reflecting an accurate consumer report following the laws of the FCRA. The license number that is on my report is incorrect as well and has never been associated with my license. This is my second time having to submit these documents due to CHEXSYSTEMS website having multiple errors and distinctions and claims that they did not receive my documentation!
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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.