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

The Credit Bureaus never did a proper " investigation '' on the XXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information. 

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Product: Vehicle loan or lease

I had bought a car from XXXX XXXX dellership in XXXX of 2021 XXXX weeks after i bought it the clutch went out on the highway and the car was in the emergency lane and then towed of the road by XXXX to a parking lot on XXXX XXXX in XXXX ky i was told it had a full drivetraine warenty by XXXX XXXX and even with this in writing thay said it was not i was left in a parking lot for seven hours unitill a friend got off of work and came and pick me up i am a XXXX veteran who is XXXX XXXX  XXXX this is how veterans are treaded in XXXX ky the finance companey Consumer Portfolio Services they were contacted that day the warenty and the dellership as well no one never made atemp to pick this car up a month and a half later the car still had not got pick up and soon came up missing i have try for weeks after the car went down to get help and got no help from no one i filled a police report and turn over the info to Consumer Portfolio Services with my insurance info for XXXX XXXX times the clame as of this day has still never been filled and i am getting harrast by them and by the insurance and the dellership there is foul play going on here from one of if not all three of them i don't have this car i have follow all laws they have the ones with shady past look up there history it speeks for itself i have contacted your office so many times for help still getting treated like XXXX by the credit bureas it did no good contacting you for help with them i was told you can handle this if i don't get some kind of help to get these low life criminals off my back i will take it public and filled a criminal complaint with the XXXX XXXX of the DOJ so i am asking one more time to help me this is what this office was set up to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX please look into this matter and remove immediately
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

They provided no proof of the debt, but instead made a settlement offer to reduce the balance amount to 50 %. 
I would like Sunrise Credit Services , INC to provide fully validate the debt by providing the following : 1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement. 

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor. 

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitute fraud under both federal and state. Due to this fact if any negative mark is found on my credit Bureaus reports by your company or company you represent. I will not hesitate in bring legal action against you and your client for the following : Violation of the Fair Credit Act, Violation of the Fair Debt Collection Practice Act, and Defamation of character. 

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time any collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any credit reports, I will consult with my legal counsel for suit.This includes any listing of any of my information to a credit reporting repository that could be inaccurate or invalidated.
Product: Payday loan, title loan, or personal loan

Huntington Bank offers a small personal loan program called standby cash. They have revised the criteria to discriminate against low income customers. 
The original criteria was {$750.00} deposit each month. I met that criteria. 
In XX/XX/2022, the revised criteria was each account had to have {$200.00} daily balance. As a low income person, I could not meet that criteria. 
In XX/XX/2022, my account was suspended due to this revised criteria. It was reactivated in XXXX. 
In XX/XX/2022, the revised criteria was {$1000.00} deposit over 32 days. In addition the new criteria effectively discriminates against anyone who receives government checks requiring a $ XXXX monthly deposit. 
I was informed today that my account was suspended. I have made over {$1700.00} in deposits over the last 45 days. The way the bank has configured the criteria Im not eligible for the program. I called and made a complaint through XXXX customer service. 
The policy and criteria changes are a blatant violation of equal credit for customers and non discrimination again income origin as legislated under consumer and credit legislation.
Product: Money transfer, virtual currency, or money service

A person ( XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX ON XXXX XXXX, other social media Id : Goon/ ) on discord provide course that teaches stock trading. He promise there is no tuition fee, but only a refundable fee of {$8800.00} USD. However, he is not returning the fee after promised time period. There are several victims in XXXX and XXXX, and he is still taking in more people.
Product: Student loan

I am trying to pay off my loans, but the Nelnet website will not let me, and as a federal loan servicer it is unacceptable. My loans also changed from being in deferment into 2024 to accruing interested and requiring payments this month and I did not receive any communication before this happened. 

I keep getting the following message when I try to make any payments : " Sorry, there's been a problem. 
The issue has been logged and reported to our technical team. 

What you can do first : Refresh your browser and try again. 
Log out of your account and log back in again.

If that doesn't fix your issue : Return to Nelnet.com and try to log in again. 

We apologize for the inconvenience and thank you for your patience. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX i contacted XXXX XXXX, they are the company collecting the debt for my capital one card. They gave me a settlement offer of {$180.00}. I paid {$130.00} on that date and the other {$50.00} on XX/XX/2019. The credit bureaus and capital one refuse to change the balance due to {$0.00}. They still have {$110.00} as a balance. I have a letter from XXXX XXXX stating this account has been settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with XXXX XXXX XXXX XXXX Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with XXXX XXXXXXXX XXXX Please remove all Credit InquiriesPlease investigate this fraudulent activity
Product: Credit reporting or other personal consumer reports

I never

have Checkr any permission to use my data or furnish my non public personal information. This company is violating my rights in several ways. am writing to address a serious matter concerning the unauthorized use, furnishing, and retention of my personal information by Checkr , Inc. Your companys actions have violated several provisions under federal law, including the Fair Credit Reporting Act ( FCRA ), and have caused significant harm to my privacy and rights. Specific Legal Violations 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Checkr accessed and used my consumer report without a permissible purpose or my explicit consent, in violation of federal law. 15 U.S.C. 1681e ( b ) : Your company failed to ensure the accuracy of the information furnished, further breaching my rights under the FCRA. 
15 U.S.C. 1681q : Your unauthorized actions constitute obtaining information under false pretenses, a criminal offense under this section.

15 U.S.C. 1681n : For each willful violation of the FCRA, I am entitled to statutory damages of {$1000.00}, as well as punitive damages and legal costs.

2. Code of Federal Regulations ( CFR ) : 12 CFR 1022.10 : Checkr furnished my personal data without obtaining my prior consent, directly violating this regulation.

12 CFR 1022.43 ( b ) : Your company failed to notify me of my right to opt out of information sharing or provide a mechanism to exercise this right.

3. Criminal Violations Under U.S. Code : 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Using my personal information without authorization constitutes a serious criminal offense.

18 U.S.C. 1343 ( Wire Fraud ) : If my data was transmitted electronically without my consent, it amounts to wire fraud.
Product: Prepaid card

Cash app would fail to approve requested information, disallowing me from using my prepaid card in its general manners such as direct deposit, transferring money, pretty much everything. It was an inconvenience as I lost money that was worth weeks of hard work.
Product: Credit reporting or other personal consumer reports

It has been drawn out to be fraud that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I did some transactions through US Bank on XXXX XXXX XXXX and found out these transactions were a scam. Because they were cash transactions in the amounts of {$52000.00}, the bank said they didn't know what I did with the cash, so they couldn't reimburse me. 
They reimbursed me for two receipts because they were on my debit card. I told them I had other receipts, but they said they wouldn't look at them because these receipts didn't say what I did with the cash. The bank told me I could have kept the cash and gambled it away. Actually I used the money to help someone who I thought I could trust. I got XXXX. 

My family has been using this bank for over fifty years -- my grandparents, parents and now me. In all these years this is the first time that anything like this has occurred. I was always taught that the bank helps you in times like these. Now, because they don't know what I did with the money, they can't help me. I've already paid off the 3 loans I took out and my credit card was reimbursed through the credit card company. Scams happen frequently, and I was totally unaware this was a scam. I got robbed. 

I feel a fair solution would be to reimburse me, as this is the only time in over fifty years of family banking that something like this has occurred. As I have never encountered this before, I will now be extra alert and more careful about how I do transactuons. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM XXXX.
Product: Checking or savings account

My wallet was stolen on XX/XX/XXXX at the airport in XXXX while I was going to XXXX XXXX. I told the airport security and they filed a paper for me and told me if it is found I would be contacted. I didnt know that my chime card was in my wallet because I usually keep it in the house. I came back home on the XXXX of XXXX. When I logged in my account I noticed that there were XXXX transactions made on my account by whoever stole my wallet. I immediately contacted Chime to report these unauthorized transactions. I received an email from chime 2 days ago saying my claim was denied and that the transactions were errors. It cant be an error because these transactions were fraudulent and they took almost XXXX dollars out of my account that I need to survive daily as a XXXX XXXX XXXX. Now I cant pay my phone bill and my pay car note because thiefs stole from me. Chime is not doing anything about it. Please reopen the case and help me get this money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Product: Debt collection

I moved and canceled service with XXXX on XX/XX/XXXXXXXX XXXX XXXX I have the emails that I sent and received regarding the cancellation. I then called repeatedly every single month when the continued to bill me for service and threatened to turn it off. I spoke to countless off-shore agents who assured me it was resolved. I picked up the phone every time they called and explained that service was shut off XX/XX/XXXX. They continued to bill ; I continued to resolve it. And before it could resolved, they sent it to collections without ever even sending me a final bill. And they struck all records from my account, so I can not even contact them anymore. 

The collection company is attempting to collect a debt not owed to XXXX. I canceled service with them on XX/XX/XXXX. I have the emails and the dates of calls to resolve this. They continued to bill and and call until XXXX and never resolved the account and sent it to XXXX. XXXX has emailed on XX/XX/XXXX, XXXX and XXXX and has called my business phone almost daily since XX/XX/XXXX even after being instructed to stop calling my work phone. They have reported this matter to all of the credit bureaus. I have explained that I am disputing this error with XXXX and through you. They are relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and detrimental to my credit score.
Product: Debt collection

I wrote a letter complaining about inaccurate and incomplete credit information in XX/XX/XXXX and I have not received any response until XX/XX/XXXX. I have attached the letters that I have sent and the letter that I received from them together with the screenshots of the inaccuracies and errors on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS/XXXXBANK XXXX