23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was sent two different letters ( one letter for the Costco and BestBuy cards and another letter for the Home Depot card ) on XX/XX/XXXX from Citi which states three of my credit cards are being unilaterally closed by the company. This letter did state that I could request specific reasons for the closure if the company received a written response by XX/XX/XXXX. As stated below, I sent a letter regarding the specific reasons for the closure on XX/XX/XXXX. 
I sent a total of four ( 4 ) letters to Citi/ Cards Services Support Unit . The first letter I sent, dated XX/XX/XXXX, was to request specific reasons for the unilateral closure of three of my credit cards by Citi. I then sent three additional letters asking the company to reevaluate the closure of my credit cards, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Citi provided me with responses on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company provided me with the same responses, stating they will not reinstate my credit cards. 
The main reason the credit card company has provided is due to conduct that occurred on my part over/nearly 18 years ago. Since that time, I explained to the credit card company that I have an unquestionably high credit score ( over XXXX ), I have paid my bills timely since I opened my account in XXXX, and I even received a letter dated XX/XX/XXXX from your company identifying me as a valued customer. I was wholly unaware and would have no reason to believe that my credit cards would be cancelled unilaterally based upon the STRONG and lengthy and positive history I have had with the company before and after the mistake I made a very long time ago. The countrys success is based upon giving people legitimate second chances. Citi has refused to respond to my repeated pleas to provide me with a second chance and reinstate my status as a valued customer forthwith.

This prolonged incident has severely affected my credit ( reducing my credit score ), putting my business, employees, and most importantly, my family in financial danger. I am suffering immense damages by this prolonged unilateral closure of my credit cards. I have no missed payments on my record and in fact, have a 100 % on time payment record. I am respectfully requesting the banking commission to investigate and encourage the company to reinstate my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Debt collection

Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a  US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that  XXXX   XXXX   XXXX  and Early Warning Systems are targeting  XXXX   XXXX  by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.
Product: Credit card

Collection agency name : Jefferson Capital Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX  Your NAME : XXXX XXXX Your address : 15 % XXXX XXXX XXXXXXXX XXXX, XXXX. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX
Product: Debt collection

I am getting an email at my work stating that I owe a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to check if this is a legit company before I reach out to them. I am not sure if they are referring to something the City of XXXX owes or me personally. Just want to see if it is a scam or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXXXXXX XXXX XXXX Account Number XXXX, Account XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX FRCA Violation hard inquiries 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 FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i received a letter from Alpha recovery group attempting to collect on an unknown debt. They have failed to provide me with : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to lease an apartment at XXXX XXXX XXXX that was reported to my credit XX/XX/XXXX from an existing account from XX/XX/XXXX in the amount of {$5000.00}. I have contacted the property and they acknowledge that there was fraudulent activity and that in fact the person that leased the apartment was not me due to their lack of verification upon leasing the apartment. I have also reached out to the collection agency RENT RECOVERY SOLUTIONS and they also have acknowledge the fraudulent activity.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ; XXXX XXXXXXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX   has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX XXXX  are two of the four that have been blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX {$760.00} company name XXXX XXXX XXXX collection not my debt do not belong me wish it be remove asap
Product: Credit reporting

I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, XXXX failed to investigate my claims adequately. They informed me that the credit was bought by a company and that it was accurate, and it will remain. The CFPB 's finding indicate that XXXX has not only been neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I also have a case number for them XXXX case number and this number is the number that let me know my information was COMPROMISED XXXX LEAVING ME VULNERABLE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights un

der FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian did, t provide
the requested method of verification for the below items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also below inquiries XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXXXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX Also XXXX XXXX XXXX is reporting 2 late payments
Product: Checking or savings account

I was scammed out of {$3400.00} by a XXXX imposter! I reported it to Bank America and they denied my claim. I am XXXX yrs old and the scammer told me my bank acct had been breached and showed me where money had been taken from my account ( lie ) to get me to send a XXXX transaction to a third party,. I did not know what that was until it was too late, This happened on XX/XX/2022 by XXXX XXXX at XXXX XXXX. This is devastating to me as I am XXXX XXXX XXXX XXXX XXXX XXXX  only and all the savings I had. Please help me get my money back, please!
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2022
Product: Debt collection

Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to XXXX XXXX XXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to XXXX XXXX XXXX on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to XXXX XXXX XXXX, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted XXXX XXXX about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
Product: Credit reporting

On XXXX XXXX, I initiated a dispute with Transunion via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Transunion is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. On XXXX XXXX, Transunion sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
Product: Debt collection

I received multiple calls from the company, Southwest Credit Systems, after multiple harrassing phone calls I spoke with a rep and was told I owed a debt and immediately asked how I wanted to pay, I was never asked if the debt was mine nor was I asked about disputing. I know the laws so I informed the rep I am not aware of the debt, I was disputing it and requested verification. A few days later I received a letter from Southwest, again stating I owe them a debt and I had 30 days to dispute the debt in writing even though I had already disputed and requested verification. I sent them a response letter days later and stated in writing that I was disputing the debt and again asking for actual verification and I informed them that a simple letter from them stating I owe a balance was not sufficient verification. They have not provided any verification but have now started reporting the alleged debt to all 3 credit agencies and they have " re-aged '' the alleged debt stating I have an account with them opened this month. This is complete fraud, false informing, harrassment and blantantly illegal as they are aware of all these violations and clearly have no verification of the alleged debt.
Product: Credit card

XXXX XXXX is late taking payments and now are ruining my credit and a late fee are late getting, and I asked for it to be closed, and they need to be investigated
Product: Checking or savings account

Permitted & PAID DEBIT CARD CHARGES THAT UNAUTHORIZED-OVERDREW FRAUD-ACCOUNT AFTER SPECIFICALLY DECLINED OVERDRAFT PERMISSIONS & OVERDRAFT PROTECTIONTHEN BEGIN CHARGING ONEROUS DAILY CHARGESoverdraft fees, taking ENTIRE PAYCHECK!!!!! Reimburse all funds taken by Regions after wrongfully paying charges that triggered insufficient funds after STRICTLY ADVANCED DID NOT WANT OVERDRAFT PROTECTION-or any overdrafts. As soon as reinstated overdraft fees, began accepting items that overdrew account-expeditiously getting paid for advances! I DID NOT WANT OVERDRAFTS FROM DEBIT CARD-SHOULD DECLINE!! INSTEAD TAKING MONEY I NEVER EXPECTED!! FRAUD!!!
Product: Credit reporting or other personal consumer reports

TransUnion is woefully non-compliant pertaining to a collection account that was disputed through the cfpb portal the company XXXX XXXX XXXX agreed to remove and stop reporting to TransUnion however Transunion does whatever they want to do. 


See documents below I have proof the XXXXXXXX XXXX XXXX removed and Transunion is still reporting. 
I will be contacting the XXXX  and the attorney general 's office about this. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2018 a credit inquiry from Capital One Bank USA showed up on my credit reports. I do not know whp this is, have never applied for any goods or services with them and have never authorized any inquiries into my credit. This is NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.