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

After multiple attempts to contact Equifax, they refuse to validate any of my accounts on my credit report, I have tried to call multiple times top validate them but they refuse to assist. Needless to say I have been denied for multiple accounts because it states I have no credit when I have multiple accounts reporting.
Product: Debt collection

XXXX XXXX  I opened futile attempts in at least 3 attempts to have Citibank to correct the dispute amount for services not received, Citibank has Personal knowledge that I spend Time and Money for the same Services I ended up paying a 2nd Merchant to do properly the service I needed. 
Now I'm receiving by mail an Attempt to collect the Amount I Fully legally Disputed, I'm returning the mail Stating " The Account has been closed previously due to the Incompetency of Citibank to resolve my dispute, even its last letter they stated has been resolved, what they resolved? Nothing. 
I'm including its last letter and the copy of the mail received stated to return to sender. 
If Citibank Persists with this collection attempts and/or report the amount disputed to the credit Bureaus, I'll initiate a legal action in Court against Citibank.
Product: Checking or savings account

At the review of my account I noticed that they were for transactions to an individual named XXXX XXXX that I do not know. That person should not have funds from my account so I called capital one 360 bank and alerted them of the four transactions dated XX/XX/2022 for {$200.00} XX/XX/XXXX for {$480.00}. XX/XX/XXXX for {$410.00} and the last one XX/XX/XXXX for {$270.00}. I disputed each one of these transactions with capital one 360 bank saying that these are fraudulent transactions. I provided them with the Police report which I will attach a picture of the case number provided to me by the deputy of XXXX XXXX XXXX Florida. So I am filing criminal charges against XXXX XXXX for stealing my money. capital One covered up the fact that I sent a police report and denied 2 of my claims I called in and they told me to were open and 2 were closed and that they seen all the wrongs done in this dispute and they see the conflicting notes and that theyre reopening those two claims and then not to worry I will have the credits within 10 days. This this was a lie I called back in at the ten day and they denied the other two claims the following week and they claim to never ever had the police report. That is the reason why they denied my disputes. Now it comes back later that they now have my police report and that theyre reopening the claims and investigating it but theyre being really rude they lied to me over and over again and they explain to me on the phone one evening on XXXX 2022 at XXXXXX/XX/XXXXEastern standard time on a recorded line with Capital One it was explained to me by a supervisor in there claims department that the reason this was denied was based upon my behavior at the reason I was denied was because I have gotten in previous arguments with other dispute supervisors because of all the lies they were telling. they told me that evening at XXXXXX/XX/XXXXthat my claims were denied because of this is behavior-based. They did not like my behavior. Meaning I was rude to some of their employees because they lied about my money being stolen and having a police report when theyve had it since the first day I made the claims. This whole thing is going out of control and Ive written letters to the president regarding this matter and I had someone from the credit card side of capital One call me back but never had anyone from the BANK side of capital One ever call me. So far my claims have been tonight are denied. capital One Bank has let someone a known criminal who has warrants steal my money they lied about the process and they have discriminated against me in the process. They told me it was first it was one of two days to get my credit they didnt .then two days it was one to 10 days to get my credit then they denied to the four claims just so they didnt have to give me the credit in the 10 days and then hide the fact that they were hiding my police report and they just didnt like my attitude. This is by far the worst ethics Ive ever seen by a bank it is horrible that Im fighting with them for my money when it is stolen attached is a police report thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2019,  I stated clearly to DISCOVER that I was taking the offer for balance transfer of 0% APR at 3% Transfer fee instead of the alternative 4.99% APR at 0% Transfer fee.  Then on XX/XX/2019 at XXXX XXXX they show an email notifying the transaction as made at 4.99% and 0% Transfer fee. I initiated a dispute by phone on XX/XX/2019 and although they sent an email without detailing my claim I did send an email summarizing my claim on XX/XX/2019, I received a vague reply on XX/XX/2019 indicating my dispute was address yet DISCOVER account site still shows the debt at 4.99% APR and 0% Transfer fee. How can DISCOVER make an offer with two alternatives and then stick to the one I don't like. Can you present my alternatives? Balance Transfer # XXXX for $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I purchased a single item on XXXX. It was a one of a kind item, impossible to order a quantity of two. I was double charged. The item price was - {$200.00} and I was charged that amount twice. I checked out as a guest so I was told that buyer protection was not offered to me. I was also told by XXXX that only one of the transactions had gone through. I contacted my bank ( XXXX ) to dispute the transaction. The dispute was denied.
Product: Vehicle loan or lease

Hello, I have a loan with wells fargo for my suv that I got a laon from wells fargo from. i noticed that in XXXX and XXXX and part of XXXX my interest rate increased tremendously compare to the these past few months. I am now paying XXXX $ of interest and in the past months it looks like it reached up to XXXX $ in interest charges, Can someone please tell me how is that possible?
Product: Debt collection

I know that no valid direct verified contracts exist with me and another party by XXXX XXXX XXXX, I know that any attempt to collect a debt is actually alleged indirect action, I did not give consent to benefit from or utilize my authorized credit. as per 15 USC 1602g,
Product: Credit reporting or other personal consumer reports

T

his letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

The disreputable organization the complaint is against in general is XXXX who owns both XXXX and Bridgecrest which the latter two commits usury. The APR I am given is 15.43 %. Even for a newer car I shopped around, the interest rate is still above the state 's limits. I have contacted their representatives twice and confirmed that the price given to me online is the actual amount and it is non-negotiable.
Product: Vehicle loan or lease

I have a dispute currently open with Ally Financial for a payment I sent to them certified mail that was dishonored. After I sent them the payment and they dishonored it, I sent them a notice of dispute of the current payment due and total payoff amount. XXXX XXXX  XXXX ( b ) States that they have XXXX  days to answer a billing dispute sent by mail. Ally Financial disregarded the billing dispute that I sent by certified mail. I filed a complaint with the XXXX. XXXXXXXX XXXX  XXXX ( d ) States that I have a right a to withhold disputed amount until the error is resolved and collection is prohibited. I'm receiving calls and receiving letters stating they will take actions and exercise rights under law including the right to repossess. This is in direct violation of XXXXXXXX XXXX  XXXX ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Product: Debt collection

I do not recall this debt and have called and requested the company to provide verification of the debt. The company has failed to provide verification of the debt so I can not confirm it.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Attempt to secure a loan through LendingUSA was negative- declined due to they could not identify me. http : //lp.lendingusa.com/lending/1/? utm_source=ppc & utm_medium=cpc & utm_campaign=Bing I was under the impression no credit check would be done but subsequently found out they used a company called XXXX [ " XXXX XXXX XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] XXXX partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact LendingUSA proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. Lending USA was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Product: Mortgage

We put the house in irrevocable trusts. Wells Fargo ( WF ) okay the transfer in XXXX XXXX. We rec 'd a ltr in XXXX stating that it was not allowed, and that they would foreclose if we do n't transfer it out of the trusts. We had numerous correspondences, and began paying off the loan XXXX XXXX and it was completely paid off by XXXX XXXX, XXXX ; WF sent the release of lien XXXX, but told XXXX and XXXX that we were in foreclosure. As the result, my credit rating dropped by XXXX points. We needed to keep the house in the trusts because my husband is ill, and we told WF that we will pay off the balance. As of XXXX, we had {$480.00} balance in the account. Can they ruin our credit for {$480.00}? It seems mean spirited and petty?
Product: Credit reporting or other personal consumer reports

They have accounts opend when I was in prison and my data was effect by the XXXX data breach
Product: Credit card or prepaid card

I submitted an application online for a  XXXX   XXXX   XXXX   XXXX  Credit Card account on  XXXX   XXXX ,  2017   . On  XXXX   XXXX ,    2017, I   received a voice message requesting a call back in order to verify that I was the one who authorized the application. I returned their call right away and confirmed that I was the one who authorized the application. I spoke with a male representative from their credit card department. I really did n't think about writing down his name because I did n't think that this matter was going to take this route. Well, he was a bit rude and stated that he was going to retract the credit line that I was offered in which my credit line had already been approved for {$25000.00}. I requested an explanation as of why he pulled back on the offer and he stated that he could n't tell me. I even requested a letter in the mail with an explanation of the reason why and he stated that they do n't send out letters. I then requested to speak with a supervisor and he stated that a supervisor was not available. I requested for a supervisor to call me back. I provided him with our main number at home in which is a cell phone that we all use. I even informed him that I authorize the supervisor to inform my dad the reason for his / their actions and he questioned that why do they have to call my dad. I informed him that my dad is authorized because I work many hours and he helps me out. So then I also provided him with my personal cell number. As of  XXXX   XXXX ,    2017, I  still have n't heard from a supervisor. On  XXXX   XXXX ,  2017, I receiv ed the credit card via  XXXX . I called the  XXXX   XXXX  store in which is handling our new home project and they asked me to come in the store so that they can activate the card. While at the store the representative called their credit card department because my sales transaction was declined. I spoke to a representative in which he verified all my personal information. He informed me that someone from the credit card fraud department was supposed to call me after I spoke with them on  XXXX   XXXX ,  2017 and  asked me if someone had already called and spoken to me. I informed him that I still havent received a call. I requested to speak with that department and he stated that no one was available. And also stated that someone would call me back within  24 48 hou rs in which was the same thing that I was told a week ago. As a consumer with an outstanding credit rating, Im not sure what the issue. It is my professional opinion that Im getting harassed and discriminated. They mailed me the credit card, provided me with a n Installment Loan Agreement  and I still cant use the credit card. Why? If they dont want my loan business after approval, then they better provide me with a good reason for it. And it better be good because this matter will be taken to the Supreme Court if I need to.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX ,   XXXX   and Transunion the credit accounts opened well over 7 years ago and most have a   XXXX   balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
Product: Debt collection

I dont remember this account also they been harassing me an my family members for over a couple months
Product: Credit reporting or other personal consumer reports

Ive never done business with NelNet, Ive sent over in writing asking them to tell me how they verified the information with the credit agencies and I have heard nothing its been over XXXX  years since Ive asked them
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - XX/XX/XXXX TransUnion placed my credit score at XXXX On XX/XX/XXXX TransUnion placed my credit score at XXXX I inquired with TransUnion about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

On XX/XX/XXXX TansUnion placed my credit score at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced a security breach. I went to their website and clicked on the information about it. I followed a link to enroll in free monitoring service. It said I was affected and to enroll. I followed instructions, but the link just keeps looping me back to the original website and will not allow me to enroll. I called the hotline number Equifax has set up to report this issue, and all it does is either ring busy, or answers, takes you through prompts, puts you on hold, then hangs up on you every time. I have been trying for hours!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of 2020, ( during covid-19 ) my purse was stolen and my personal information was compromised. Someone made inquiries to several places attempting to open accounts in my name. I asked the credit reporting agencies to remove these inquiries because I never made such credit request however they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX XXXX XXXX XX/XX/XXXX

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

The information being reported to The credit bureaus is incorrect and invalid. I am requesting this item to be deleted. It is not valid on my credit report. Numerous incorrect items are being reported on my credit report. I am not liable for this debt, and it is hindering my daily life. XXXX XXXX XXXX XXXX I do not recognize how this information is being reported to my credit report. I do not recognize the date the account was opened, the date last reported, the date last active, or the date of the last payment. Everything being reported does not meet the FCRA. This is not in compliance with the 15 USC 1696g Validation of Debt. This item being reported to my credit file is incorrect and is hindering me from my daily life. If this were an accurate account it would be reported correctly across all three credit bureaus. Upon this, I am not liable for this debt, and it needs to be removed from my credit file I am not liable for this debt. Please remove.