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

XXXX XXXX XXXX, Experian and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ARS multiple times about this issue. On my ARS consumer credit report ARS has information reported incorrectly. ARS log XXXX Page 3 of 60 item 9, ARS reports a bankruptcy with a date of XX/XX/90. Bankruptcy are to remain on record for 10 years this is OVER 30 YEARS I will attach copies of these pages. Also I have sent to ARS a letter in which XXXX, XXXX, and XXXX XXXX have tried to verify information about a XXXX XXXXXXXX and was unable to do so. I have contacted ARS and they have refused to remove the bankruptcy from my ARS credit report.
Product: Money transfer, virtual currency, or money service

I did a online auto loan with Nevada State Bank and got a check in the amount of {$22000.00} Then on XX/XX/2022 I got charged {$22000.00} from my home equity line of credit from Nevada State Bank. So now I owe {$22000.00} for a car loan and an additional {$22000.00} on my home equity line of credit. I called bank and they basically can't figure it out. They keep stating that they do not have access to see who authorized the {$22000.00}
Product: Credit card or prepaid card

Prepaid " reward '' card issued by XXXX through " XXXX '' on behalf of Discount Tire. This method of rebate or reward should be regulated by the government in the same way as gift cards or other prepaid cards. We purchased our fairly expensive tires through XXXX XXXX instead of other retailers in part because of an advertised {$70.00} rebate. Turns out, the rebate comes in the form of a prepaid mastercard that is extremely hard to activate and has an insanely short expiration period, after which the reward is entirely lost. I knew that gift cards could not expire for 5 years, and foolishly assumed that I had that protection for these bogus cards, but it turns out that, by the time the rebate is processed and the card issued, I had less than 5 months to use the balance or lose it. This is insane and unfair to consumers, it's essentially a bait and switch. The company issuing the card is doing so with the intention that many people who are drawn in by the offer will not be able to use it before it is invalid. Even one year would be more reasonable than this!
Product: Credit card

I have initiated an inquiry regarding an incorrect entry in my credit report associated with your institution. Recently, I received correspondence from XXXX, XXXX, and XXXX, indicating that the data they are presenting originates from your records. 

Specifically, account number XXXX has been flagged as closed with a history of tardiness. However, subsequent updates show ongoing monthly late payments from XX/XX/XXXX to XX/XX/XXXX. This contradicts the typical understanding that late entries should not reflect any active payment activity. 

The inaccuracies within your credit reporting system are impeding my ability to secure a new home mortgage. Under Title 15 Section 1666 of the United States Code, I formally request a comprehensive investigation into the documentation about the mentioned account. 

Should your investigation reveal discrepancies between the provided information and the adverse history reported to the credit agencies, I urge you to promptly liaise with the credit bureaus to rectify the negative entry. Upon successful removal of this detrimental information, I am willing to absolve your institution of any liability for associated damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this mutiple times with exsperian. They attached my credit report without permission. My daughter placed me as an authorized users without me knowing, not using my social. She removed my name and the credit cards company sent a letter stating that it was removed. Exsperian still refuses to remove it from the credit report or change status.
Product: Debt collection

They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX.  They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX  BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Dear XXXX, XXXX, Equifax RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

A certified letter was sent to XXXX XXXX  who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXX, GA XXXX. Apparently, the credit card was used and not paid. XXXX XXXX  reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my FICO score.
Product: Checking or savings account

XXXX XXXX XXXX & XXXX XXXX XXXX Phone ( unknown or unreachable ) XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX profile photo for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX profile photo for XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Corporate Development United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX United States, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX Louisiana Laws Civil Code CC 1953 Fraud may result from misrepresentation or from silence. 
Universal Citation : LA Civ Code 1953 SECTION 2. FRAUD Art. 1953. Fraud may result from misrepresentation or from silence.

Fraud is a misrepresentation, or a suppression of the truth made with the intention either to obtain an unjust advantage for one party or to cause a loss or inconvenience to the other. Fraud may also result from silence or inaction. 
Acts XXXX, No. XXXX, XXXX, eff. XXXX XXXX, XXXX. 

Under Florida law, fraud is defined as concealing information that should not have been concealed, purposefully lying, or undertaking any sort of dishonest act for the purpose of benefiting oneself and duping XXXX. A person found guilty of fraud in Florida faces anything from restitution to extensive jail XXXX. It is also unlawful for any person to cash or deposit any item in any bank or depository with intent to defraud, which constitutes a felony of the third XXXX. 
Learn more : XXXX XXXX Code XXXX - Fraud by wire, radio, or television XXXX XXXX Notes XXXX | next Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, transmits or causes to be transmitted by means of wire, radio, or television communication in interstate or foreign commerce, any writings, signs, signals, pictures, or sounds for the purpose of executing such scheme or artifice, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Debt collection

To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX  XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ). 
I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question. 
I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA. 
Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation. 
Sincerely, XXXX XXXX
Product: Debt collection

This company marked my other complaint as duplicate. This is not a duplicate Im requesting validation debt. I have contacted tempo and they cant verify or validate debt. Attached is the response from Tempoe
Product: Checking or savings account

Manufacturers and Traders Trust Company XXXX M & T XXXX XXXX, NY XXXX My account was closed in 2021 and I was never informed. I had about {$13000.00} total in my checking and savings account which were never sent to me. I called M & T bank several times to inquire whereabouts of my check and none of the XXXX or supervisors were able to help or locate where the money went. First time I called they assured me that the check has been dispatched and I would receive it in 10 days. That was XXXX22. Check never arrived. I called again a month back and again they assured me that the check would arrive in 10 days. Still no check. I called XXXX2022 and the supervisor ( XXXX, did not provide last name of XXXX number ) I spoke to could not locate any record of the check or even my account and how much funds I had. So far they have been dodging me and transferring me around to new XXXX agents who could not help.
Product: Debt collection

This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I signed up for Citi Gold membership with my existing Citi Savings account. The dedicated Citi Relationship Manager XXXX XXXX XXXX told me over the phone that I will receive email with a link to register for the {$200.00} Citigold Subscription Rebate program within two weeks. 

However, it has been way more than two weeks, but I still have NOT received the email link from Citibank for the {$200.00} Citigold Subscription Rebate program yet. 

I am so frustrated with the poor service by Citibank, which has delayed my {$200.00} subscription rebate for the year of 2023. 

I request Citibank to honor the {$200.00} subscription rebate benefit for Citigold members and post {$200.00} credit to my Citibank account immediately without any further delay.
Product: Mortgage

Seterus mortgage company is the worst, most frustrating company. They have increased their monthly premiums {$300.00} since XXXX XXXX XXXX sold me to them. Interest rates are rediculus. Hard to reach a human being for any help. Have been hung up on. They have screwed up on so many occassions ... so frustrating. I tried to set up bank withdrawals which they screwed up, late fees acrued and dock to my premium ( not my fault ). They tell me taxes must be in mortgage until XXXX % of mortgage is paid off, interest applied of 6.125 %. 

XXXX, XXXX XXXX. XXXX, XXXX XXXX, mi XXXX XXXX
Product: Bank account or service

Since recently finding out I am a victim of identity theft, I personally went into the bank to change my account number and added an additional password ( for security ), which I witnessed them ( accurately ) typing into the computer. On XXXX XXXX, 2015, I contacted Wells Fargo, via telephone, with a question about my checking account. At the time of said call, I was told my personal password was incorrect and I could not be verified. I immediately went to the bank, waited over XXXX mins to speak with the proper person, who then informed me my password was changed by XXXX letter. I never authorized this change.
Product: Debt collection

Requested validation of debt shows all of the accounts are reporting as open on my credit report. Reporting incorrectly which is a violation reported as open on my credit report Midland credit Management XXXX XXXX XX/XX/2024 XXXX XXXX XXXX balance XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Requested the following from the companies above The name and address of the original creditor The original creditors account number The amount owed A copy of the last billing statement from the original creditor The date the original creditor claims this debt became delinquent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report. 

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Debt collection

Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Account # XXXX Dept of EDXXXX, XXXX XXXX Dept of ED/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX, # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The company XXXX XXXX XXXX is reporting a debt to a collection company that reached me to collect the debt. This is the second collection agency collecting {$1500.00}. The first one I disputed, and it was removed, but apparently XXXX XXXX XXXX has not cleared that out of the record. 

I submitted the Fraud information to the XXXX XXXX XXXX XXXX XXXX ( Incident # XXXX ) The thief used my information to open the account # XXXX with XXXX XXXX XXXX XXXX  The phone assigned to this person was XXXX. In the claim I proved my residency and all the required documents proving it was not me, but it looks like it did not clear the records. 

Could you please help me remove this from my records?
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Account permanently limited and my funds of {$590.00} are locked in the account for 180 days. I would like the money released sooner if possible. I do not think I broke any terms and conditions.