23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citi Bank Credit Cards accepted and cashed a check from XXXX XXXX for {$7700.00} on XX/XX/XXXX and still has not applied the payment to my account. This has forced me to make additional payments on the account and incur interest charges and they refuse to quickly fix this issue and have blatantly lied that they see the payment in a processed stated on my account. They said that they would open up an internal investigation but again nothing was heard from them on this issue, the second payment cycle is coming up and the still refuse to do anything about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 Last 4 of account number, can not located actual account number ) XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 by 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

CHILD SUPPORT ENFORCEM Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Bankruptcy Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX I hope this letter finds you well. I am writing to formally dispute inaccuracies on my credit report, which I believe are related to the exposure of my personal information during a recent data breach. My personal data was compromised in the breach, and as a result, certain accounts or transactions may be incorrectly affecting my credit score and standing. 

In XX/XX/XXXX, I became aware that my personal information, including sensitive data such as my Social Security number, date of birth, and financial details, was exposed as part of a significant data breach. This breach has left me vulnerable to fraudulent activity, including potential unauthorized accounts and accounts in collections. 

I have taken the necessary steps to protect my information, such as filing a report with the relevant authorities and placing fraud alerts on my accounts. However, I noticed that my credit report reflects discrepancies that I suspect are linked to the breach. 

I am requesting a thorough investigation into these discrepancies, as I believe they stem from the unauthorized use of my compromised information. Please take the necessary action to rectify these errors and update my credit report accordingly. 

Enclosed are the relevant documents, including the data breach notification, my identity protection report, and any other information to assist in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

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

In accordance with the Fair Credit Reporting act 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 written instructions
Product: Credit reporting or other personal consumer reports

I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, vantage score, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the XXXX collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.
Product: Credit card or prepaid card

Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.
Product: Checking or savings account

While travelling to XXXX XXXX, XXXX from XX/XX/2023 - XX/XX/2023, I noticed the morning of XX/XX/2023 that my debit and credit cards were used fraudulently to purchase the following : {$3000.00} for construction materials, {$2300.00} for groceries, {$1600.00} at a candy store, {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. I immediately called the bank reporting the transaction and they cancelled my cards, issued new ones, and let me know Id hear back from them in XXXX business days. 

This week, XXXX, XXXX, XXXX, I received a response from my bank, Wells Fargo, that the claim was denied for my two credit cards. I called the bank on Wednesday ( XX/XX/2023 ) morning asking them to turn over the documentation used as part of the investigation. They mentioned they didn't have any but made their decision based on the fact that I had the cards with me the next morning that I realized the charges had occurred. However, the bank said they would re-open the case and review my transaction history and reach out to the merchant and let me know their decision in XXXX business days. The charges to these XXXX cards were the following : {$3000.00} for construction materials, {$2300.00} for groceries, and {$1600.00} at a candy store. 
This morning, XX/XX/2023, I reached out to Wells Fargo after realizing the claim on my debit card had been denied as well. They mentioned that because the card was not cloned, they determined that no fraud had occurred. The charges on my debit card were the following : {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. 

While in XXXX XXXX, I attempted to file a police report, however the police were unwilling to create a report due to 1 ) I not being able to pinpoint exactly where the charges came from and 2 ) because I didnt have the proper XXXX documentation, such tax id, XXXX voting card, etc. In addition, I attempted to file a police report at my local police station in XXXX XXXX, CA but I was unable to due to the crime occurring outside of the country. However, I have filed a report with the U.S. Embassy and Consulates in XXXX and are waiting to hear back.
Product: Checking or savings account

Huntington Bank advertises publicly a {$300.00} sign up bonus for their Huntington 5 checking account. The public link can be found here : https : //www.huntington.comXXXX I followed all the requirements to get the bonus, and yet Huntington is declining to give out the advertised bonus even though I am not in any violation of the terms and conditions. They claim that since I do n't have a targeted promo code, I am not eligible  for the bonus even though no where in the terms and conditions does it say that a promotion code is required. I have attempted to work with Huntington 3 different times over the past couple weeks and they have declined to be helpful in any way.
Product: Vehicle loan or lease

I had a lease taken out from American Honda Finance Account # XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.
Product: Mortgage

Mortgage payments - I was under the impression that if you pay half your monthly mortgage payment early you could pay the loan off sooner.. When I recently set up automatic withdrawals I set up XXXX payment on the XXXX and XXXX payment on the XXXX for the foloowing months mortgage payment. I recently recieved a letter from the bank stating they would not apply my funds to the mortgage until they had the full ammount, on the XXXX. Is this normal? Has the process changed? 

Please advise. 

XXXX XXXX
Product: Debt collection

I rented a car from XXXX, it had reported damage on the rear bumper according to my rental receipt, I noted damaged when I walked into the hotel parking lot the next day. I asked for a photo of previous damage, and all correspondence associated with in, instead they sent me to a collection agency ( Summit ).

I communicated with Summit over the phone and asked them to only communicate with me in writing. I asked them in writing for a copy of the photo of the vehicles reported damage prior to me renting the car so I could sent it to my insurance, which would have covered the damage. Instead I continued to get rude phone calls telling me to State your Name. I offered to settle the debt in writing, but instead they reported me as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Experian has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want Experian to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries on my XXXX credit report that were not applied for by me, and hard Inquiries on my XXXX credit report that are for companies that I don't have a credit account with. Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the incorrect address listed on my credit report. Despite multiple previous attempts to rectify this error, you continue to report an address that I have no association with. The incorrect address in question is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I do not live at this address, nor have I ever had any association with it. I have provided proof of my current and correct address, which is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX This is the fourth time I am submitting this dispute. Each previous submission included copies of my drivers license, social security card, and a utility bill, all clearly indicating my correct address. Despite this, the incorrect address remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, Experian is required to : 1. Ensure Accuracy : Experian must ensure that the information they report is accurate. Reporting an address that I have no association with violates this requirement. 

2. Investigate Disputes : Experian must conduct a reasonable investigation of disputes. Given that XXXX and XXXX have corrected this error based on the same documentation, it is evident that Experian 's investigation process is flawed or inadequate. 

3. Correct or Delete Inaccurate Information If the information is found to be inaccurate or incomplete, Experian must correct or delete it. Failure to do so after multiple disputes constitutes a negligent and willful violation of the FCRA. 

This ongoing issue has caused significant distress and inconvenience, and I am prepared to take legal action if this matter is not resolved immediately. Experian 's failure to correct this erroneous information despite being provided with clear evidence multiple times demonstrates a reckless disregard for my rights under the FCRA. 

If this incorrect address is not removed from my credit report within 30 days of receiving this letter, I will have no choice but to pursue legal action for damages caused by your continued negligence. 

I expect confirmation in writing that this correction has been made, and a new copy of my credit report reflecting the correct address sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
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These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
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XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
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XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.
Product: Debt collection

I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said
Product: Debt collection

My credit report has a collection from a hospital bill reporting as collections on it. I have XXXX and XXXX and third medical provider.i shouldn't have this in my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , 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 XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 FICO 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 # ( private case number ) 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 or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ; XX/XX/2023 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.