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

RE : XXXX  Block Requests To Whom It May Concern, I am a victim of XXXX.The Information listed below, which appears on my credit report, is the of that XXXX, XXXX XXXX XXXX  Date inquiry XX/XX/XXXX XXXX Date inquiry : XX/XX/XXXX XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI Account Number XXXX*Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notifications of the actions taken. I appreciate your prompt attention to this matter
Product: Debt collection

I was late on my monthly payment - the company offered me a plan to pay a lower amount - instead of {$420.00} I was supposed to pay {$350.00} for six months. The company asked me to send some documents by fax like proof of salary, insurance - I did it twice and they said the documents were not legible - after that they asked me to send the documents by regular mail to an office in XXXX - I did it and they insisted those documents could not be read - they asked me to pay {$600.00} dollars but when I tried to pay they said they can not accept the money because they were having problems with the computer. Every time I offer to pay they refused to accept the money, and instead accepting payments they threaten me that if I dont pay them XXXX XXXX dollars they will repossess two cars. I offered to pay them {$450.00} dollars every two weeks and the company refused to accept the money. I dont want the plan they offered me - I just want the company to accept my payments every two weeks but I can not do it online and they dont accept the money by phone unless is the whole amount of XXXX XXXX dollars. I have the names of all the employees with whom I have been in contact with and I have the impression their behavior is like the strategy the XXXX XXXX employees had from their bosses to make the situation worse for the people with mortgages that led them to lose their property and even the health of their children.
Product: Debt collection

The XXXX  was supposed to submit the bill to XXXX and they sent it to my secondary ins. co.instead!!!! I'm on full XXXX and " NEVER " paid a hospital bill EVER!!!! I I assume they fixed their incompitance since I never heard from them again!!!!
Product: Checking or savings account

On XX/XX/year>, I was charged {$60.00} for a charge that was only supposed to be {$53.00}. Ive provided all the documentation to Truist showing that I was charged incorrectly, and have resent the information multiple times : on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Truist denied the claim after I sent my information on the XXXX, and said that they never received my documentation. ( I have evidence that it was sent and received on all those dates. ) They sent the claim in for review on XX/XX/XXXX, after I called and requested for them to do so. I received a voicemail regarding the claim on XX/XX/XXXX, letting me know they had an update, and they asked me to give them a call. When I called back they said that they had no update, and requested I resend my documentation, which I did. After doing so, they let me know I would get an update within the next 10 days. They never reached out to me. I called on XX/XX/XXXX for an update, and they told me that the escalation attempt was still under review, despite the evidence that I sent over to them multiple times. When I asked for an update on the timeline, they told me that they could not give me one, at all, and that I would have to wait for a response from Truist. I told them that I had been told 10 days previously, and they informed me there was nothing they could do about that. I asked to speak with a manager, and they told me that all they could do was wait for my second review to finish processing. I let them know that I was filing a complain with the CFPB, and was finally transferred to a manger. ( Which they told me before was not possible until my dispute went through the second review ) I spoke to a woman named XXXX, and she told me she would reach out with an update regarding my claim, and that she would send an email directly to the representative working my case. ( Which is also what I was told on XX/XX/XXXX ) So, after over a month of going back and forth with Truist regarding this claim, I am still no closer to getting a refund of what I was incorrectly charged. I have been banking with Truist for almost 10 years, and this type of disregard and unprofessionalism is completely appalling, and only made worse by the insincere attitude of the Truist representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express  has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Product: Credit reporting or other personal consumer reports

I was denied credit and received a letter dated XX/XX/XXXX. The reason for denial was due to the number of inquiries on my credit report. Specifically my XXXX report. I got a copy of my report and it shows several companies listing credit inquiries times for the same day. A majority of these inquiries were supposed to be soft pulls. So now Im being denied credit because these companies are not reporting to the credit bureau correctly. 

XXXX listed XXXX XXXX credit inquiries for the same day XX/XX/XXXX as well as XXXX for XXXX on XX/XX/XXXX. Comenity Bank listed XXXX on XX/XX/XXXX.
Product: Checking or savings account

I had filed for a couple loans and they were being paid to my Bank of America account but they closed my account and I am pretty sure the money was deposited into my account because I received three closed accounts notices in the mail months after the first one that they told me they were closing my account when I asked why they simply said we dont have to discuss why that its there policy to disclose that information if need be this happened back in 2020
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : also states a consumer reporting agency can not furnish an 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 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTRACT CALLERS IS MISTAKENLY REPORTING ME IN COLLECTIONS. I VISITED XXXX  AND WAS ABLE TO GET A PRINT OUT OF THE RECEIPT FOR RETURNING MY EQUIPMENT AND DUES OWED AT THE TIME. PLEASE SEE ATTACHED. PLEASE DELETE THIS COLLECTION ACCOUNT FROM MY CREDIT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 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. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

On XX/XX/2024 Bank of America unauthorized setoff of my personal funds from both checking and savings to collect a debt belonging to XXXX XXXX XXXX. 
XX/XX/2024, XXXX XXXX XXXX sent a letter that constituted a demand that Bank of America immediately cease and desist from any further setoff or removal of funds from the personal bank account ( XXXX ) of XXXX XXXX to satisfy any alleged debt owed by XXXX XXXX XXXX. 
XXXX XXXX XXXX is a limited liability company formed under the laws of Delaware. Under Delaware law, members and managers of an LLC are explicitly shielded from personal liability for the debts and obligations of the LLC itself. This is known as the " corporate veil '' protection afforded to LLCs. 
By unilaterally taking funds from my personal accounts based on an ancillary account agreement, Bank of America has improperly pierced the corporate veil and violated my statutory rights under Delaware LLC law. No disclosure or contractual fine print can override these statutory liability protection.
Product: Checking or savings account

I opened the citibank account package for {$400.00} bonus offer with the following terms, Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have opened the account on XX/XX/18 and made the required deposit of XXXX on XX/XX/18 into my checking account and linked my saving and checking account. 

Now it's been more than 5 months since I opened the account and I already fulfilled the requirement and keep the XXXX in my account more than 60 days. But still no bonus. I have contacted Citis customer service more than three times over the last three months to make sure the promotion is on my account and I have completely the requirement to receive the bonus. All three times they said yes.

The details say that the Bonus will post within 90 days from the date you complete all of the requirements. It's more than 150 days since opened the account and more than 90 days since I fulfilled all the requirements but still no bonus so far. 

I will attach here my chat history from Citibank here as evidence. The first agent told me to wait and call Citibank if I don't receive the bonus by first week of XX/XX/XXXX. The second agent told me they will give me a response after two days but I didn't receive any response. The third agent told me they didn't find any record about response and have to submit a new investigation. I believe this is just keep delaying me further from receiving the bonus and I never receive a proper response. Citibank should credit customers the bonus they deserve after they complete the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting or other personal consumer reports

I explained to XXXX that the charge was fraudulent. They sent back a breakdown of transactions that I never made. Therefore this is totally incorrect.
Product: Debt or credit management

XXXX XXXX  notified me about a credit card problem. Believe now it was pushing call. Connected me to case manager at National Protection Bureau talked debt settlement and connected me to Financial Solutions Group. XXXX. 
Spent hour on phone talking to XXXX XXXX XXXX. He transferred me around and then disconnected. 
I then got a call from XXXX at XXXX XXXX XXXX in NJ XXXX. She said I referred to them, not sure by whom. I explained it all to her. She felt that I was scammed.
Product: Debt collection

CFPB Complaint and Dispute Letter with Portfolio Recovery Agency XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, WA XXXX RE : Complaint and Dispute Regarding Portfolio Recovery Associates Dear CFPB, I am writing to file a complaint and dispute against Portfolio Recovery Associates ( PRA ) regarding a debt they are attempting to collect from me. I am disputing the validity of this debt and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. 
Dispute of Debt I am disputing any and all claims made by Portfolio Recovery Associates that I owe them a debt. I have no knowledge of or responsibility for this alleged debt.

Revocation of Communication Rights I hereby revoke all of Portfolio Recovery Associates ' rights to communicate with me regarding this alleged debt via email, text message, or phone call. All future communication must be done in writing and sent to the address listed above. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation notice that details the amount of the debt, the name of the original creditor, and the date the debt was incurred. I request that Portfolio Recovery Associates provide me with a complete and accurate debt validation notice as soon as possible. 
Request for Purchase Agreement I also request a copy of the purchase agreement between Portfolio Recovery Associates and the original creditor for this alleged debt. This document will help me to determine the legitimacy of the debt claim. 
Request for Proof of Licensure and Bonding Furthermore, I request that Portfolio Recovery Associates furnish me with proof of their licensure and bonding to collect debts in my state. 
I am concerned that Portfolio Recovery Associates may be violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that I do not owe. I request that the CFPB investigate this matter and take appropriate action against Portfolio Recovery Associates if necessary. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX ( ID and PROOF )
Product: Vehicle loan or lease

I had a car loan with bank in XXXX  and I would like to be added to the case Proceeding Docket number XXXX Initial filing date XX/XX/XXXX Status Post Order/Post Judgment. 

I had a high interest, please contact me at XXXX or XXXX