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

Ive been in communications with ( Equifax & XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; List inaccurate information here XXXX XXXX XXXX, XXXX, Ga XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My only date of birth is XXXX My only employer is XXXX XXXX  XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Account # XXXX Thank You XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I contacted Kikoffs customer service department to let them know I had unauthorized charges on my checking account, in the amount of {$490.00}. At that time I asked if they offered a 10 day provisional credit if a decision or not to be made by then. The representative had told me yes. Two weeks went by and I still have not received a decision nor my credit. On XX/XX/XXXX I called customer service back and asked about my credit, and they proceeded to say they do not offer credits and since they are not the correct department, they could not help me. On XXXX I received a response by email from the support department and they said that it was still being investigated to give to them 60 days and to call the number on the back of my card if I had any other questions. I tried calling a couple more times, to see about getting a credit and each time I was told no. They said they do not fall under regulation E policies, therefore no provisional credit. If you look at my bank statement, their policy states if we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you were home for use of the money during the time it takes us to complete the investigation. So per kikoffs policy I was supposed to receive a provisional credit in the amount of {$490.00}.
Product: Mortgage

I called my mortgage servicer on XX/XX/2020. The only options for repayment on my forebearance are a lump sum or 40 year loan modification. Ive read several news stories on how they should allow me to defer my payments to the end of the loan. However they are denying me that option. My loan is backed by the federal govt and should have that option.
Product: Checking or savings account

During application to citi credit card I was promoted for citi checking account. The term of the offer was the following : " Citi is offering a bonus of up to {$1500.00} when you open a new checking account in the basic account package. The bonus is tiered depending on how much you deposit within 30 days of account opening, this amount also must be maintained for 60 days. 
Deposit {$2500.00} & get a {$100.00} bonus Deposit {$5000.00} & get a {$200.00} bonus Deposit {$15000.00} & get a {$400.00} bonus Deposit {$50000.00} & get a {$700.00} bonus Deposit {$200000.00} & get a {$1500.00} bonus " see attachment for details. 
I met the requirements but I did not receive the promo bonus
Product: Debt collection

I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report
Product: Debt collection

I am writing to address a matter of significant concern regarding an account held with your institution. Upon reviewing my credit report, I discovered an account listed under the name " Knight Adjustment Bureau, '' which I believe to be a result of identity theft. 

I want to emphasize that this account is not mine, and I have never authorized any transactions or activities associated with it. It has come to my attention that I have been a victim of identity theft for a while, and this unauthorized account only adds to the challenges I have been facing. 

I am taking immediate steps to rectify this situation, including contacting your institution to dispute the validity of this account. I kindly request your assistance in investigating this matter further and taking the necessary actions to remove this fraudulent account from my record. 

Enclosed with this letter are copies of relevant documents supporting my claim, including reports filed with law enforcement and credit bureaus regarding the identity theft incidents. 

I understand the gravity of this situation and appreciate your prompt attention to resolving it. Please keep me informed of any progress made regarding this matter, and feel free to contact me if you require any additional information or clarification.
Product: Credit card

The following items were non receipt/unauthorized, though given sufficient evidence and back up, I am still being held for the following charges : Transaction Amount : {$4300.00} Dispute Amount : $ XXXXMerchant/Description : XXXX Dispute ID : XXXX Amount : {$2200.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX XXXX Dispute ID XXXXTransaction Amount : {$4900.00} Dispute Amount : $ XXXXMerchant/Description : XXXX XXXX Dispute ID : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. 

I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I clicked on a link that was advertised as a free online credit report, I requested a credit score report from TransUnion on XX/XX/XXXX. They charged me for {$19.00} without asking my permission prior to my request submission. I was not aware their service is not free of charge. I cancelled my subscription immediately. Now, I want a refund and make sure they cancelled my account and don't keep my records.
Product: Credit reporting or other personal consumer reports

I am contacting Equifax in regards to the recent response to my CFPB Complaint # XXXX. Again, Equifax has not properly provided verification of method of verification. A data furnisher is not sufficient to confirm/verify and it is obvious that they are not reading through the complaints! This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of Inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate These Inquiries : XXXX XXXX  ( Finance ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Inquiries that are not reporting correctly.

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

I as the consumer have a right to privacy.
Product: Mortgage

I've paid this loan in full. I have a letter from them confirming it's paid in full. The mortgage company shows on their website both that it's paid in full and 33 days ( as of today ) past due. They have continued to draw a biweekly payment from me and have kept the money and refused to return the overpayments, and deny they have the money. I have the bank drafts to prove it. I also have several email threads between myself and them trying to resolve it, without success. 

Loan # XXXX
Product: Mortgage

Due to a financial hardship in XXXX I was forced to file a Chapter XXXX to keep my home. Over the last four year with the exception of one month my payments were made in a timely manner. On Monday, XXXX XXXX, XXXX I received " Notice of Motion for Relief of Stay from the United States Bankruptcy Court. The reason for the motion was that I had not made mortgage payments for XXXX XXXX through XXXX XXXX. I have cancelled checks for all months in question except for XXXX. I did mail a payment for XXXX but was told by someone from XXXX that they were instructed to " hold the check ''. I feel that I am being treated like a criminal for filing bankruptcy. At no time did my mortgage company try to assist me during my hardship. Which they were completely aware of. It is very disheartening to learn your money is being taken, not applied to your account and you are at risk of losing your home. I did not think this was legal practice in the United States. My American dream of home ownership has been a nightmare. Would someone please help me.
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 u.s.c. 1681. 
Account Name .. XXXX  Account Number.. XXXX Account Name... XXXX XXXX XXXX... Account number ... XXXX XXXX ... Account Name... XXXX XXXX XXXXXXXX Account number... XXXX Account Name Dept edXXXX.. Account Number... 
XXXX XXXX XXXX ... ... .. Account number.. XXXX .... Account Name... XXXXXXXX XXXX XXXX... 
Account Number XXXX ... Account name... XXXX XXXXXXXX XXXX .... Account number # XXXX ... Anncount Name... XXXX XXXX... Account number # XXXX .... Account Name XXXXXXXX XXXX  # XXXX ... Account Name .... XXXX XXXX ... Account Number # XXXX ... .. Account Name.. XXXX XXXX XXXX  ... Account Name... XXXXl XXXX ... Account Name XXXX XXXX XXXX XXXXXXXX ... Account name / 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 an account without my written instructions..

15 u.s.c 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years..

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

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023I sent a letter to all XXXX consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and Equifax meaning the information on my consumer report is incorrect. Debt of XXXX XXXX was removed from Equifax but not XXXX and XXXX meaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Debt collection

FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called XXXX XXXX XXXX and they confirmed that all payments were made on time. Transunion is the specific credit bureau that I am having problems with. I did not get a copy of XXXX 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my Transunion account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!
Product: Debt collection

this account is old, and should have been removed. it appears to have been transferred several times, they mention continue to update as un paid on my credit file, what for the rest of my life. another threat involving my way of living. amazing how I 'm following the law and getting robbed and bullied, controlled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had an issue with a freeze on out in my report years ago. I could not remember the code to unlock it so I had to fax my drivers license and a utility bill. After 8 faxes I finally was told the freeze would be lifted and the XXXX XXXX removed. Now I call to ask why they have items over 7 to 12 years old still on my report and they tell me there is a freeze on my account. Apparently they never updated the account and only preserved the first fax that they say was unclear. This. Implant is so incompetent that they couldnt even generate security questions. I had the same issue with XXXX and XXXX  and it was no problem to generate security questions. I cant get an auto kaon because of the freeze and Transunion does not do anything they say. They LIE! 
I have no utilities in my name. They are in my moms name.
Product: Credit card or prepaid card

every sense the account was opened for months ago there has been fraudulent charges on this account on a monthly basis taking out of my celsius security check now they have blocked by account where i can no longer use my cards for a year they will not allow me access to the app to the website and they barely talk to me on the phone i have probably called at least a hundred times and i get nothing but redundant answers that solve nothing all i want to do is view my account i didn't make the fraudulent charges their accusing me of such and i do not appreciate that in the least nasagza there keep in
Product: Payday loan, title loan, or personal loan

This loan was applied for without my knowledge. I waa hospitalized over a month and returned home to harrassing phone calls and emails. I have tried to talk to there fraud department and no one wants to help. My signature is not on any contract, my paystubs are easily accessible since I work for a XXXX XXXX I am a victim of identity theft and have closed any checking account that this company had access to. I have reported this to the police and the FTC
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I joined self its lead bank! I made XXXX payments on time you can cancel at anytime I did cancel but they did not cancel it so it came up on credit that I was past due so I called them they said yes we see where you canceled but was not done for some reason so they canceled it but my credit dropped over XXXX points already had identity theft been a night mate I get ahead somewhere them this happens not right!