23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have Citi credit cards. I opened a Citi savings account to pay down those credit cards. I deposited XXXX {$2000.00} checks from XXXX into that savings account. I began making payments from that savings account on those credit cards. I had autopay scheduled on at least XXXX of the credit cards. 

Citi then proceeded to summarily cancel the autopay function, close the savings account, charge the savings account for the autopayment, tell me the payment failed, and then tell me repeatedly I have a past due payment. 

I have received random letters from Citi. I have called them each time I receive a letter - either electronically or by U.S. Post. Each time, I have documented the conversation with Citi. Each time I get walked in circles with nothing to show for it except clearly understanding my voice does not matter. They are going to do whatever the XXXX they want to do. 

I have sent so much documentation only to have received a piece of mail from you yesterday saying you could not go through with a complaint against them. Then the rest of the mail said here is how to file a complaint. 

How about you do it right the first time?
Product: Vehicle loan or lease

I applied for an auto loan in person at Van Horn Auto Group with XXXX of XXXX XXXX XXXX XXXX XXXX Sales XXXX XXXX on XX/XX/XXXX. He gave me a computer to fill out my business credit application and proceeded to give me backup options including using my personal credit and or a cosigner. XXXX XXXX proceeded to ask me if i would be able to do a downpayment in some way. I was given false and deceptive information. Pursuant to 15 USC 1605A -a finance charge is sum of all charges. 
I was told I would receive a decision from the financing department in a few days. 

I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and i was told that a cosigner would be needed in order to receive the loan. I was denied credit even though I exercised my right to credit in good faith, my social security number/credit card was used and I received no benefit for it, my information was taken and communicated with third parties without my authorization, and I was discriminated against based off of my income. 

These are violations pursuant to 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691a3, 15 USC 1691C, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC 1681N, and 15 USC 1681O and the Equal Opportunity Act as well as the Truth In Lending Act.
Product: Checking or savings account

On XX/XX/2024 a hotel charged me a {$150.00} security deposit. On XX/XX/XXXX the hotel erroneously charged me {$410.00} due to a system glitch. Both pending charges were reversed on XX/XX/2024 by the hotel. On XX/XX/2024 the charges were still pending. I called the hotel and they confirmed with me the charges were reversed and Id need to call my bank. I called SoFi later that day and explained the situation. They told me that they would not remove the pending charge for 30 days, even with proof that the charges were reversed by the hotel. So now, I have {$550.00} in pending charges sitting on my account until approximately XX/XX/XXXX. This is causing serious issues as I am unable to pay my bills due to the charges remaining as pending.
Product: Credit reporting or other personal consumer reports

I paid {$38.00} for prints, postage and envelopes to send dispute letters to XXXX, XXXX and Experian on or around XX/XX/2024. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX  please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this XXXX address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION,   XXXX   have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX    XXXX   -   XXXX   XXXX   -   XXXX   XXXX   XXXX   were all removed from my reports th en re ad ded again, these are not my inquirys these applications were done without my permission.   I have asked TransUnion several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.
Product: Debt collection

AD ASTRA RECOVERY SERVICES {$780.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this three account that I am not aware of, I tried to dispute it, and request for debt validation to proof that the accounts really belongs to me. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX 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 a 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: Debt collection

TRANSWORLD SYSTEMS INC had purchased a debt from XXXX XXXX XXXX CO and is now attempting to hold me liable. 
I do not have any contract with TRANSWORLD SYSTEMS I and no obligation to pay, offset or discharge any debts not owed to them. 
I've asked for the Original contract with wet ink signature identifying the liable party making a claim that I owe a debt ( to them ) yet I have not received anything. 
This has negatively impacted my credit score. 
The amount of {$86.00} is attempting to be collected from a man but no other wo/man has identified themselves as the owed party.
Product: Credit card

I joined a company on XX/XX/XXXX and paid by my Best Buy card {$490.00} with a promise that they would give me a card to use called a XXXX that would give me generous amount of credit back in an online store that they ran that was supposed to be like an XXXX store every time you used the card. I had no idea this was a scam. I was hoping to get the card before the holidays so I could get some XXXX gifts cheaper. The company never gave me, nor like XXXX other people the XXXX. They just kept sending out emails saying that it was taking longer than expected to do this because they had to align with banks and gave a boatload of excuses. They were doing this every month. In XX/XX/XXXX they changed the name of the company. This is when I called Best Buy asking to get my money back. They said they would put a temporary credit on my account while they investigated. On XX/XX/XXXX I got an email from the XXXX company saying they were terminating operations. I immediately contacted Best Buy again about the charge. They said they were still investigating. They asked me to fax any info I had. I did this on XX/XX/XXXX. I hadn't heard anything so on XX/XX/XXXX I called and talked to XXXX in security operations. He said they were still investigating. On XX/XX/XXXX I talked to XXXX in security operations. She said to make a police report. On XX/XX/XXXX I filed a police report and waited to get a copy of it in the mail so I could fax it to Best Buy. This was done by XXXX XXXX XXXX, XXXX # DSN XXXX. Evidence request number XXXX. I immediately called Best Buy when I got home, talked to XXXX and gave her all the police report info and told her when I got a copy of it, I would send it in. I didn't realize that the police were not going to send me a copy of the report so I went up to the police station on XX/XX/XXXX and got a copy of it and faxed it to Best Buy. I called right after faxing the police report and spoke with XXXX who confirmed that the police report was received. On XX/XX/XXXX they closed my case. I called Best Buy on XX/XX/XXXX when I received this info in the mail. I spoke to XXXX who re-opened the case. She said it was categorized as a fraud ... ..like a charge I did not make, not as a scam. In XXXX I got another letter saying they closed my case and now when I try to call they re-route my call so that I am hung up on. My original case ID was XXXX then changed to case ID XXXX on XX/XX/XXXX per XXXX.
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, 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 a 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

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
Product: Checking or savings account

On XXXX I deposited my first paycheck into citi bank I spent {$15.00} to get home from bank and when I woke up the next morning my account was blocked when calling Citibank they stated they did not see any suspicious acitivity on my account and connected me to the fraud department when connected I was told my account was blocked for suspicious activity which this is a new account so it didnt make any sense I was told my account was referred for closing review up to 60 days I should receive a letter and my remaining funds in the account and was then hung up on disrespectfully it is now XX/XX/2022 pass the 60 day period and I am still getting the run around havent recieved any letter about my account nor the Remaining funds in the account this has put a big dip into my stability when I reached out last week I was told my letter was sent which I never recieved and once again was hung up on disrespectfully I need answers and a solution citi bank has done this to multiple clients with no explanations and refuse to give money back that rightfully is their own
Product: Debt collection

From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXXXXXX XXXX XXXX XXXX with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting 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 student loans, personal loans, credit cards, and hard inquiries from XX/XX/XXXX with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, US Dept of Education with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$30000.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XX/XX/XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XX/XX/XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry fromXX/XX/XXXX via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from XX/XX/XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 or other personal consumer reports

I was completely caught off guard this morning when I discovered inaccurate accounts on my credit report, and I dont understand why theyre there. I check my credit report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it was some kind of error, but they didnt disappear. The inaccurate accounts stayed on the report. I need the documents Ive sent to be reviewed thoroughly so that I never have to worry about this happening again.
Product: Credit card

J.P. Morgan/Chase already to up the issue with the courthouse. A debt collection had already determined that they were not going to peruse collection. Now J.P. Morgan is trying AGAIN to settle this. I do not have the funds to pay this off, I am XXXX. XX/XX/XXXXand unable to work. They constantly call me all day.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transferred {$300.00} to my Venmo account. Venmo then transferred it all plus fees to an old unused bank account without my consent. After fees, they transferred {$290.00}. I contacted Venmo and they said I made the transfer, but in fact I did not. I contacted my bank and they stated they had returned the money back to Venmo on XX/XX/2022. The money is still not in my Venmo account and no associate can help. They simply said nothing can be done. This is theft. The bank confirmed once again they sent the money back on XX/XX/2022, but Venmo will not contact the bank or provide my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXXA 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: Debt collection

XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.