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

XXXX XXXXXXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies Credit Score Variance : XXXX XXXX XXXX  ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX  account difference ) Derogatory Marks : XXXX XXXX XXXX XXXX XXXXXXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX XXXX XXXX  ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXXXXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary 1. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories XXXX. Investigation Failures ( XXXX ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Product: Bank account or service

Hi, I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I had several calls with their rep that confirmed that I would see the miles posting within 60 days. After constantly calling the rep and sending a secure message they would change their mind and said I was n't qualified for the promotion only after they took over 20k sitting in their account so i would n't get charge a min fee and had me do bill payments and debit charges to later disallow me saying it was only for new customer with out ever being part of the original terms of agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through credit karma and nothing has happened. Also have already filled a police report through the walled lake police department with Officer XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed wellsfargos incorrect negative information and in doing so XXXX allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.
Product: Credit reporting or other personal consumer reports

In XXXX, a XXXXXXXX XXXX had two listed vehicles under my account which were unauthorized by me. The day of the visit to the dealership, I was there to have repairs done on my vehicle, such as an oil change. However, upon the transaction end time and purchase of the service repair, I was notified of other vehicles on my account that did not apply to me nor were inquired by myself. There is this webpage I see quite often that sells the same vehicles I have purchased/own in the past and they constantly contact me about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against Mariner Finance with the Maryland OAG admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to XXXX numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement.
Product: Debt collection

Called and left a message with the said company asking for validation didn't receive anything from them for about a month. Another letter was sent from a said company called them again and asked if they could send information to me again and told them about the previous message left for them to send validation instead they sent a letter asking for money from a company that I didn't recognize. They have now asked me to pay money from three different companies without any validation. They have only sent me a payment schedule not only that they have hung up on me while trying to get more information about the said debt. I do not agree with their tactics on collecting a debt or trying to solve an issue with the person who may be responsible for said debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX XXXX XXXX XXXX acount number XXXX reporting a on my credit report on transunion, XXXX and XXXX. I should be kindly remove inmediately since it was ruled by the Department of Justice in XXXX XXXX ruled out on XX/XX/ that the contract for the aforementioned account was not valid. 
Please proceed with an inmediate removal from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX  cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I found a credit card listed on my XXXX XXXX XXXX information that I did not request. 

The card was identified as : XXXXXXXX XXXX Account shown as XXXX With a balance of {$76.00} and a {$300.00} credit limit It was opened ( not my me ) on XX/XX/ and is a revolving account. 

I called Genesis at ( XXXX ) XXXX to report it and was told to contact the FTC, who sent me to you to open a report. The address they had was not my address. 

Let me know if you need more information. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from TEK-COLLECT with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and TEK-COLLECT would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from TEK-COLLECT as they were lawfully required to provide it to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that TEK-COLLECT has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Credit reporting or other personal consumer reports

I have requested proof of any documents that support the accounts that they are reporting on my reporting with my signature on it. They are still not cooperating.I have no other choice than to take legal actions against them which means a judge will request the documents. 
They're in violation of FCRA 15 USC 1681g. I NEED ALL DOCUMENTS WITH MY SIGNATURE AND ANYTHING THAT REFLECTS MY CURRENT ADDRESS AND SSN. I already send them a copy of my SSN CARD AND PROOF OF ADDRESS. 
Then they wrote me saying they still need the documents which they already have.
Product: Mortgage

I have maintained my mortgage with Chase Bank since XX/XX/XXXX. I was recently informed by my Financial Advisor that the Private Mortgage Insurance ( PMI ) should have been " automatically '' cancelled in XX/XX/XXXX when the loan to value of my home reached an 80 % loan threshhold because of appreciation and improvements. <P/>Earlier this month I formally requested Chase to terminate the PMI because my loan has a current loan to value of 62 %. My request for cancellation was not approved because of Chase 's interpretation of " delinquency ''. Chase claims their policy requires no delinquency in the prior 12 months prior to cancellation. <P/>My payments were made promptly and uninterruptedly over the past 11 years. Earlier this year I lost my job due to downsizing and at the exact same time my mortgage was adjusted up by {$700.00} each month. I requested a forbearance of the " increase '' payment amount. I continued to make monthly payments pursuant to Chase 's direction based on the prior payment amount while they reviewed my modification request. <P/>Prior to their decision on the modification I found employment and was able to pay the increased payment amount. <P/>Chase is claiming that my withdrawal of my request for payment modification retroactively changed the status of the " adjusted '' payment they were reviewing.
Product: Debt collection

On XX/XX/XXXX, I went into XXXX XXXX in XXXX AZ on XXXX XXXX to choose a new couch I needed for my apartment. I chose one and when it was delivered a few days later I saw that the couch material was in bad shape, strings were coming out and it looked bad. I called them and they agreed to send out a technician to take a look at it. Technician came out and agreed it was in bad shape. He said that someone from the store would reach out after he submits the findings. In the next couple of days the store called and said that I can get a refund and they would pick up the couch, or I can go into the store and choose another couch. I went with the second option and went into to the store to choose another couch. This time this new couch I picked was double the price about {$1100.00} and the old couch was {$520.00}. They said the new couch would be delivered around XXXX XXXX, I said ok and they told me I didnt have to make a payment until I receive my new couch and the new balance would reflect on my Synchrony bank account once the new couch was delivered. I said okay and asked them if they can pick up the couch I have now which I didn't need it was in bad shape, they said " oh no its ok, keep it and we will just pick it up the same day of the delivery. '' I said ok. But I guess they expected me to pay on the couch that is NO LONGER mine when I purchased a new one, mind you, they STILL have not fulfilled there agreement on delivering the new couch. First i was told XX/XX/XXXX, then I was told it will arrive beginning of XXXX between the XXXX, and now its XX/XX/XXXX and I STILL DON'T have the couch, I've called them to ask and they couldn't see why its taking long. And no one has returned my call. I've asked them to take the old couch and they refused. I did not know synchrony was expecting me to pay for something I switched out and is no longer my property. I've worked extremely hard to build my credit. Very very hard, and when my credit score updated this month it dropped down XXXX points! I called Synchrony and disputed it and even the guy I talk to said I should not have been expected to pay or sent to collections for " late payment '' I didnt even know I had a payment. I'm very frustrated and I want this off of my credit report. XXXX XXXX has not even given me the couch I purchased, so what am I paying for? they sent me to collection for {$66.00} dollars and I'm really upset. and has greatly affected my credit. Please help me. On XX/XX/XXXX my XXXX XXXX XXXX and I got into a bad car accident, a careless lady failed to stop at a stop sign and hit us, my car is totalled and soon I would like to buy a new car, but with my credit score going down drastically it has really affected the quality of my life. I will never do business with Synchrony bank ever again. If you look at my credit history, you will not fine ONE bad unpaid debt or a bad history of payment, please please help me take this off of my credit report. Also I signed in and paid it off ANYWAY, which I shouldnt have, I just want this off my report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXXXXXX XXXX XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

Experian reported a voluntary repossession on my report for XXXX years. It was with a lender that had a lawsuit placed against them with the CFPB and I sent Experian proof, but they still REFUSED to remove it. Fast forward to a couple of months ago when I got a letter from the lender stating that the loan was considered closed, and no further money was owed. As part of the agreement XXXX XXXX sent Experian a letter confirming that the loan was closed with no money owed. Experian REFUSES to reinsert it and report it CORRECTLY after ruining my credit for XXXX years with inaccurate reporting.
Product: Debt collection

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
Product: Prepaid card

Amex e-gift card ( digital ). I activated it. I can not spend it anywhere. Online stores and XXXX XXXX XXXX stores do not accept it. This is basically a scam.