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

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/year> To whom It May Concern, On XX/XX/year> I looked at my report. I sent a letter to XXXX, XXXX, transunion on XX/XX/year> asking them to re-investigate these accounts : XXXX and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same.

and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX accounts 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with 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. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
Product: Mortgage

We applied for a $ XXXX mortgage loan XXXX % down from Umpqua Bank. Despite more than adequate income to make payment, excellent FICO score ( XXXX ), and prior home purchases involving Umpqua , the requests for documentation went back 4 years and were both intrusive and onerous. We understand all these loans get sold to XXXX and XXXX XXXX, but my understanding is that conforming loan documentation typically only goes back 2 years. Why the need for so much information and red-tape?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX XXXX online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why one account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX  account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. 
Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

These are not my accounts Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX These are not my accounts I do not owe any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete these accounts immediately
Product: Credit reporting or other personal consumer reports

I am following up on my final demand letter dated XX/XX/year>, regarding unresolved negative accounts on my credit report. These accounts continue to reflect inaccuracies that have not been addressed, despite multiple previous attempts to rectify the issue. The lack of resolution is unacceptable and requires your immediate attention.
Product: Credit card

In XXXX I was denied credit after applying in SAMS CLUB. I called bank for underwriter where i was transferred back and forth and advised to apply again. On or about XX/XX/2023 I received a letter for denial of credit by Synchrony Bank for SAM 'S CLUB. However, I claim all rights, titles, and equitable interest in accepted applications and securities. In response to denial I sent letter to XXXX XXXX XXXX of Synchrony Financial with no direct response but i did get response from XXXX XXXX ( Office the President ) who claims she was directed by XXXX XXXX. No questions were answered to any satisfaction. I responded to make aware of my rights for resolution to no desired response for denial of my right to credit. Sent follow up email and reached out by phone with no additional response. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I dont know the dates I just know the companys name. Which is source receivables management.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I previously filed a complaint with the CFPB # XXXX. XXXX and XXXX XXXXXXXX XXXX  TD Bank both agreed in a letter from TD Bank to me dated XX/XX/2023 to resolve the issue with the damaged door panels on my new refrigerator they damaged at delivery after I filed a complaint with the CFPB. XXXX XXXX, XXXX TD Bank issued a small credit of {$380.00} credit which is basically is the late fees they have charged me for not paying for a damaged refrigerator that XXXX would Not honorably take care of. In the same letter dated XX/XX/2023, They stated XXXX has agreed to issue me new panels that they damaged at delivery and all 's I needed to do was contact XXXX to order the panels. Around the same time period we received an email from XXXX stating we are eligible for free door panels. When we add them to our shopping cart and entered our address the panels all of a sudden become unavailable to our address. We made over a half dozen calls to XXXX to try to get the panels replaced, Hours on the phone. One time we were able to speak with a rep who tried to order the panels for us and he said they were available, yet when he put them in the shopping cart and entered our address in the system, again the panels became unavailable. It is apparent they have us BLACKLISTED. This situation has caused great duress to my family. I was willing to accept the low monetary credit from TD as long as XXXX sent us new panels just to move on, BUT AGAIN THEY FAILED TO TO THE RIGHT THING. Now my credit score has gone from XXXX down to XXXX. This is just unacceptable that my perfect credit has been damaged over a refrigerator XXXX and TD Bank will not own up to and do the write thing.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  ACCOUNT XXXX I DONT HAVE CONTRACT WITH XXXX XXXX XXXX XXXX THEY NOT PROVIDE ME WITH THE ORIGINAL APPLICATION I LIKE ASKED.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was trying to send {$2000.00} to my mortgage holder XXXX XXXX however XXXX XXXX who was a old Mortgage holder was right above XXXX  XXXX in my online banking and I sent a {$2000.00} payment to XXXX XXXX instead of XXXX XXXX. XXXX XXXX  was taken over by Chase Manhattan in I believe XXXX. I contacted Chase who denied they got the payment and blew me off. I contacted the XXXX  State attorney General and what do you know Chase was able to find the payment with the tracking and account numbers I provided via XXXX. Chase has gone back and forth and keep changing required documents they dont like A letter of indemnification has been sent to Chase multiple times and they keep rejecting it they say that they have sent a templet to XXXX of what they want but nothing comes thru they say they fax this info but nothing comes thru. They have refused to send me the templet so I can get it to XXXX. So with out this letter of Indemnification they refuse to return my money my bank has had enough of the stonewalling by Chase not sure what they are being indemnificated from since they should have just returned my money to begin with not sure where to go from here chases Executive offices are slow. to respond wont hardly call back almost never email wont send me the information wont give me a physical address to send information to my belief is they are hoping I will go away and they get to go have lunch on my money. Not sure how they can account to this extra money on their books its not income interest or payment that is owed them
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my XXXX account this morning XX/XX/2018 and discovered that a company called " FRANKLIN COLLECTION SV '' was repeatedly flagging my account for the balance of {$58.00}, once on XX/XX/2018 and again on XX/XX/2018. I have never heard of this company, nor ever received any calls from their phone number XXXX. Under " Original Creditor '' they had put " XXXX XXXX, '' which I am assuming is XXXX XXXX XXXX. I have already disputed another fraudulent credit company for a false bill " from XXXX XXXX XXXX '' and have proof that they are charging the wrong person/falsely charging me because they have my information.
Product: Checking or savings account

On or about XX/XX/2020, Banco Popular de Puerto Rico ( Popular , XXXX ) through its small business specialist, XXXX XXXX XXXX, forced me to close my business checking account -- I did so under duress. 

Mr. XXXX XXXX accused me of check kiting, which was not true. When I attempted to inform him of the banking error caused by COVID-19, which caused a mobile deposit reversal, XXXX threatened to keep the account restricted indefinitely unless I closed the business checking account same day. He knew that I recently received a PPP loan deposit and that I needed the funds to cover payroll. 

I did not know what to do and felt the banker coerced me to close the account. If I didn't then I would not have gotten my money back.
Product: Debt collection

XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Capital One charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to Capital One about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. Capital One is also reporting the account. 

That means there are 3 violations due to a single trade line.
Product: Credit card

Debt collector ( verve credit card ) continues to add debt to my credit report without verifying its validity, they are violating the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure the accuracy and completeness of the information they report. This includes verifying that a debt is valid before reporting it on your credit report. 

I have requested a detailed description of the debt in writing. Under the FDCPA, a debt collector must provide you with a written validation notice within five days of their initial contact with you. This notice must include the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting or other personal consumer reports

On XX/XX/24 around XXXX XXXX  I received a call on my cell phone, caller ID said it was Bank of America. The phone number was XXXX. He asked if I opened a Bank of America charge card and i said no he said they were alerted because it was opened in California and he sees i live in Ohio. He asked if i knew anyone in XXXX XXXX and I said no. 
He said that I was a victim of fraud and he would have to connect me with the consumer protection financial department. He transferred me to a woman who said she was XXXX XXXX employee # XXXX and that her phone number was XXXX. She then proceeded to read off my entire credit report and all my credit cards and numbers and my social security number. She knew my balances and last payments made. She said there was high attempts made on 3 cards, my XXXX, my XXXX  and my XXXX XXXX. She said she would have to transfer me to a supervisor. She transferred me to a man that said he was XXXX XXXX phone number XXXX. He proceeded to say he needed to put holds on these cards read off the numbers and asked for the 3digit pins which I XXXX gave on 2 but did not have my XXXX card. He asked when i would be home to give the info and I said XXXX XXXX. He then proceeded to tell me that now since my Social was known to these people that I needed to transfer my checking and savings to a new bank that my money was no longer protected at XXXX. I said that made no sense and i would talk to my bank. I began to get skeptical finally. He said he highly recommended I transfer to XXXX or said go to another bank. I said i was working and had to go. He said he would call me at XXXX. I drove to XXXXXXXX XXXX on XXXX in XXXX and the banker looked up these phone numbers to find out I was a victim of their fraud. I contacted credit bureaus all cards and froze accounts. These people called my cell fir over an hour trying to get more info and i did not answer. They know everything about me and had my full credit report!
Product: Credit card or prepaid card

I applied for Citi XXXX XXXX Credit Card in XX/XX/2021, and was approved. 

Because the terms and conditions said that the welcome bonus offer is not eligible for customers who have received an offer within the last 48 months, I called Customer Service right after I was approved. The representative confirmed that I am eligible. 

So I made a large purchase on the card. 

However, later, Citibank notified me that I am NOT eligible for this welcome bonus offer.
Product: Credit card

I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter and an FTC report with 3 collections that are reporting open on my Transunion credit report and that is a violation of the FCRA