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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of inquiry XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I opened a Citi Savings and Checking account on XX/XX/XXXX and deposited {$20000.00}. I then added another {$35000.00} on XX/XX/XXXX in order to qualify for the {$700.00} new account opening promotional code. 

On XX/XX/14, I contacted Citi to confirm I would get the {$700.00} provided I kept a minimum balance of {$50000.00} for 90 days after XX/XX/XXXX. I was provided a promo code number ( XXXX ) and assured I did qualify. This was XXXX from Team XXXX. This was at XXXX XXXX  On XX/XX/XXXX, I contacted Citi again at XXXX XXXX  PST. I was told I had to wait no longer than XX/XX/XXXX for the final {$300.00}. This was from a person who only identified as a number ( XXXX ). 

On XX/XX/XXXX, I received {$400.00}, instead of {$700.00}. 

On XX/XX/XXXX, I contacted Citi again. They would only open a complaint. This was done by XXXX from team XXXX. It was at XXXX PST. 

I have no confidence whatsoever that Citi has any intent on honoring their promotional offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account Account # : XXXX XXXX is not my file nor am i responsible for it. I do not have any knowledge of this account nor do i own this account. I was never contacted about this account being reported. Delete this account because it is reporting in error.
Product: Money transfer, virtual currency, or money service

I made a complaint with Venmo on XX/XX/year> about money that was owed me for doing surveys with XXXX points. The money was sent from XXXX to Venmo on XX/XX/year>. I have been trying to get this money every since with communication at least once a week since. Finally on XXXX I received an email from XXXX XXXX, Paypal ( owns Venmo XXXX PayPalXXXX XXXX XXXX XXXX that the issue would be settled in XXXX weeks by sending me a check for {$25.00} to my home address, It is now over XXXX weeks and I have received nothing from Venmo and XXXX time I call customer service they said they have no record of this issue and they have nothing to do with PayPal. I believe they should pay me a penalty for withholding my funds from no lawful reason. I immediately replied to the email from XXXX XXXX with my address ( where I have lived for XXXX years ) People should realize that based on my experience with Venmo that they should expect little to no help from Venmo customer service if they ever have an issue with their account especially if it benefits Venmo. This money has been owed me since XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX .... 
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??
Product: Credit card

I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.
Product: Credit card

I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

On XX/XX/2019, I was charged {$6900.00} by a company called XXXX XXXX in a village called XXXX on the island of XXXX. We were traveling in XXXX but were nowhere near this island. Citicard says that it was a point of sale transaction but this is impossible. I recieved nothing from this company and had no knowledge of this company until I saw it on my billing statement. I contacted Citicard and stated that this charge was not one I was familiar with. They looked into it and then said that because I did not state that it was fraudulent that there was nothing they could do. I should not have to pay this charge, I never made It. Citicard also states that their policy is that consumers will not be liable for fraudulent charges. Citicard cancelled my card and issued a new one. The card # on the next page is my new card # for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an alleged XXXX XXXX credit card account to Transunion credit reporting bureau for investigation. 
After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any XXXX or Validate said debt pursuant to the FDCPA. 
Charge offs become the consumers income after being charged off and Said merchant refused to provide XXXX and Transunion credit reporting bureau did not properly investigate this issue.

The Transunion credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. 

The XXXX XXXX account reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. 

Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. 

Further, Transunion has confirmed receipt of my dispute demand for removal of fraudulent and unauthorized inquiries affidavit statement which they refuse to remove. 

Further, Said credit bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 

Further, said credit bureau refused to remove a fraudulent collection account from " XXXX XXXX XXXX XXXX '' / '' XXXX '' in the amount of {$24000.00}. Said credit bureau is in receipt of fraud affidavit et.al. ( See attached ) All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. Transunion Credit Reporting Bureau is damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing 3 late payment accounts on my Experian credit report for more than 6 months. They would not remove the late payments.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy and completeness of the following account reported on my credit file, as there are multiple discrepancies and inconsistencies across the bureaus. Please investigate the account for compliance with the Metro 2 format and XXXX guidelines : XXXX
Product: Debt collection

XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$2600.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 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. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY. 

Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.
Product: Credit reporting or other personal consumer reports

I have attempted many times over the past year to correct false information, inaccurate negative reporting, fraudulent reporting, on my credit reports to no avail. The credit agencies Management have failed to honor their agreements in written and via telephone, to remove the fraudulent accounts and reporting. 

Per the federal law, the company has exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). However, the investigations are not being completed whatsoever and the credit reporting agencies are using secondary agencies instead of the furnishers of the accounts. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In general. ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.
Product: Credit reporting or other personal consumer reports

I am a natural person. I am a living human being. I have rice under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 ; I have the right to privacy and I did not give XXXX written permission to, furnish these accounts In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 has reasonable cause to believe that the information is inaccurate.

The FCRA
Product: Checking or savings account

On XX/XX/23 I opened a Marcus Savings account with a promotion : " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer. If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account '' Based on the 90 day figure, XX/XX/XXXX should be the maintenance day. It is not. See the screenshot on the day I opened the account, it says to maintain by XX/XX/XXXX! Then, I logged into my account this morning, XX/XX/XXXX, and the terms changed to XX/XX/XXXX! DOUBLE-CHECK THE TERMS AND KEEP TRACK OF DATES WITH MARCUS. WHO IS TO SAY MARCUS WILL NOT KEEP ADDING TIME INDEFINITELY SO THEY CAN KEEP YOUR MONEY LONGER WITHOUT PAYING THE BONUS TO YOU?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Mortgage

Towards the end of XXXX and through XXXX, my XXXX and I were both laid off. We applied and sent documents for assistance on mortgage payments over XXXX times. We Kept getting strung along and was told to submit the same paperwork over and over. Finally after a full year of trying, we made sure to stay up to date on our mortgage sacrificing food so that we could feed our newborn because we were told that we needed to stay current. After XXXX  months of continued paperwork faxing, document notarizing and hours of phone calls, we gave up because there was obviously nothing WF was going to do to assist us despite government assistance programs constantly being advertised.