23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,
Product: Bank account or service

I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
Product: Debt collection

XX/XX/XXXX XXXX from Liberty called XXXX ( me ) at XXXX. I told XXXX I am exempt from you taken money out of my account. XXXX Started yelling & said I am not exempt for nothing. 
I sent Certified copy on my income which is XXXX XXXX XXXX on XXXX/XXXX/XXXX. Recd card showing Liberty rec 'd it. 
Also last year Liberty had my bank account frozen. XXXX when to court in and proved the income was from XXXX XXXX XXXX. Liberty did not even show up for court nor sent the paperwork in to court on what missing paperwork was missing. Judge ruled in my favor. 
Nothing has change. Yet Liberty is taking me to court again. I prove I have am exempt because I receive XXXX XXXX XXXX. 
They should not even be calling me when Liberty has rec 'd the paperwork. 

This is verbal and harassment.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to TransUnion regarding a request to investigate things that I believe to be inaccurate and incomplete on my credit report. Today, XX/XX/2024, I received a stall letter from TransUnion stating that is not me but from a third party trying to fix my credit which is totally incorrect. I mailed this letter from my own house. Im not sure why do they think I am a third party as I am trying to fix my own credit while trying to get these inaccuracies remove from my credit report so I can purchase a home.
Product: Credit reporting or other personal consumer reports

I wrote Experian a dispute lettter and they are refusing to re investigate the disputed information. They were provided with the proper proof of Identity, so there was no cause to send me an email asking to verify myself again. Experian is refusing to abide by the law. Below is the attached email stating their frivolous stall tactics. I hereby am putting them on notice to arbitrate if they do not resolve my dispute. They are 2 abide by metro 2 compliance which they are not even abiding by. This is illegal and against the law to refuse to re investigate my dispute. They have 5 days to remove the information off of my report. I have the right to hire a 3rd party if choose to. There is no law stating I can not hire a 3rd party or lawyer to repair my credit. Your letter is a stall tactic and its computer generated and you are breaking the law by refusing to investigate my disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didn't ask for these companies cards and don't know where they came from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied yesterday XXXX  for a home equity line of credit at my local bank ( XXXX ) and as soon as I applied I started receiving calls on my work number from other companies trying to sell me a a mortgage or loan. I have received about 15 calls at different hours of the day starting from XXXX today and yesterday. A few vendors I called said they got my info from ExperianXXXX  I called ExperianXXXX  they do not have a customer service person to talk to ... phone notice refers you online. I created online account XXXX Experian does not have an option to opt out of marketing/ telemarketing etcXXXX I also got the app no option to opt out XXXX XXXXThis is ridiculousXXXX Not sharing should be the default option XXXX  They sell on the website privacy protection subscriptions to protect you from the info they are sharing in the first placeXXXX  Where is congress on this issue? XXXX I guess you guys are it to try and help me and other poor people like me. This is like a thief coming and burglarizing your home and at the same time is trying to sell you an alarm system XXXX This is also impacting my work as now I do not know if my clients are calling me or all these telemarketers
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pacific Union Financial is reporting 4 late pays on my credit reports. I have disputed this erroneous information with the 3 major credit bureaus. Every time it comes back the same, unchanged, as reported I have sent bank statements proving that the payments were not late but they will not change their reporting. the late pay dates are, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have asked for deletion but they have ignored my request.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET XXXX XXXX OR ALL ALLEGATIONS YET XXXX XXXX OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Debt collection

This company is trying to collect a debt that was NOT validated upon request by Citibank. 
Citibank then sold the " uncollectable '' debt to this collector. By virtue of laws and statutes, the failed validation by Citibank carries for the debt itself, and is DOES NOT become collectable because is was sold or purchased by a third party debt collector. The debt is still uncollectable, may not be reported, and is no longer subject to litigation by Federal laws. This company has been noticed and given XXXX hours to remove any and all derogatory information from reported trade lines. failure to do so will lead to litigation by myself, the claimant, against the collector and Citibank. 

Under the guidelines and Federal laws supporting validation of debts, and the companies failure to meet the standards, I demand the derogatory information be removed with prejudice.
Product: Money transfer, virtual currency, or money service

I recently opened an XXXX and PayPal account to sell products online. After opening the XXXX   account as i expected they places certain restrictions on ny account to avoid fraud during the first 90 days. After which they remind ed those restrictions. Shortly after the restrictions were removed by XXXX, PayPal their sister Company then placed the very same restrictions on my Paypal account that XXXX had just released wherein they were homsing the buyer payments until the buyer receives their item. When I contacted them to ascertain why they were doing this they would not give me an answer even though there was no history on the account of any wrongdoing. I was advised by PayPal to get around the hold I should contact my buyers and negotiate with them to lie and say they had recieved the items they purchased from me even though they had not. In effect giving buyers the ability to blackmail sellers into giving them price breaks or partial refunds in exchange for the seller claiming they received an item they clearly had not recieved. This would cause the seller to lose money and the buyer to surrender their rights to any claims via PayPal but would in fact benefit Paypay as they could then deny any potential legitimate claims made by buyers. What XXXX doing is basically encouraging both blackmail by buyers so sellers can get money that is being unjustly held by PayPal who in turn is getting interest from said held funds and unjustly denies the buyers any future claims as a result thereby unjustly enriching Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, 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 ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX  per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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

I was a client of Tally and they recently filed bankruptcy and sold my line of credit to XXXX. I am very skeptical about XXXX as they cant fully verify my information, their email addresses dont match, their website doesnt match, etc. everything about them screams scam. I dont feel comfortable providing bank information nor any of my personal information to this company until I am shown proof of their legality. In a world where we have to be cautious with our information. I do not want to provide any financial information to a company that are not consistent nor provide additional information in regards to the company as well as my supposedly owed debt.
Product: Credit card or prepaid card

id theft victim report enclosed to police and id theft gov violates cra inaccurate information must be removed
Product: Credit reporting or other personal consumer reports

My credit card payment status, balance, and delinquency status have been shared with XXXX parties without my consent. 

There was an authorized user, who was removed XX/XX/2023, and balances and account status and payment status continue to be reported. This gives the prior authorized user access to my confidential financial information. This is a violation of my privacy right, and the credit reporting rights of the prior authorized user. 

Apple has completely failed in their promise of privacy.
Product: Debt collection

I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but XXXX XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.
Product: Checking or savings account

On XX/XX/2021, I deposited my stimulus check into my checking account. The machine took my check and did not credit it to my account. Instead I received a receipt with a number to contact customer service. I called and a claim was filed and I was told the error would be resolved in 12 hours. Subsequently, I called the next morning as 12 hours had passed and was now told it would be 1-2 business days. The next day I receive a text message and notice in my mobile account requesting additional information. Therefore, I sent a copy of the receipt. I called back and now Im told it will take 10 days. Im appalled that in XX/XX/2021 it would take this long to resolve this issue. Undoubtedly we are referring to a check from the US government and it would take way longer to request another payment.
Product: Debt collection

i received a letter in the mail from this collection agency trying to collect debt that i do not owe. i immediately want them to correct their record and forward this back to the original creditor so they can correct their record due to me not owing them.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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
Product: Checking or savings account

Citizens Bank 's Unconscionable Overdraft Fees. 

I am writing with a sense of deep frustration and anger that I can no longer contain. The unabated exploitation of hardworking Americans by Citizens Bank through their egregious overdraft fees has reached a level of absurdity that can not be ignored any longer. It is nothing short of daylight robbery that this institution is profiting off the struggles of the middle class, raking in millions of dollars daily while driving families further into financial distress. 

Citizens Bank 's excessive overdraft fees have evolved into a predatory scheme that ensnares unsuspecting customers in a vicious cycle of debt. These fees have become virtually unavoidable, with the bank strategically manipulating transactions to maximize overdraft charges and ensuring that the very people they are supposed to serve remain trapped in a cycle of financial despair. 

Adding insult to injury, the interest rates on these short-term loans have soared to the unthinkable tune of over 1000 %. It's unfathomable that in a nation that prides itself on protecting consumer rights, a financial institution can openly engage in such usurious practices without facing severe repercussions. 

It is the duty of the Consumer Financial Protection Bureau to put an end to this insidious exploitation. The very purpose of your existence is to safeguard consumers from exactly these kinds of predatory practices. The fact that Citizens Bank has been allowed to continue preying on the most vulnerable members of our society is an affront to the principles of fairness, justice, and equality. 

I implore the CFPB to take immediate and drastic action against Citizens Bank. Enough is enough. The middle class, the backbone of our economy, is being bled dry, while the bank 's coffers swell with ill-gotten gains. I demand that you investigate, regulate, and impose strict penalties on Citizens Bank for their shameless abuse of power and their callous disregard for the financial well-being of everyday Americans. 

If the CFPB fails to act decisively in this matter, it would be a XXXX  indictment of your organization 's commitment to protecting consumers. The time for action is now. Let 's put an end to this modern-day highway robbery and restore a semblance of justice and fairness to the financial landscape.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a certified mail with my FTC Identity theft report and my and my statement along with my ID. And the sent me back a stall tactic letter stating. 

We applaud your efforts to take charge of your credit. we want you to know we're on your side and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us.We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion credit report at TransUnion.comXXXX XXXX 

If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at Transunion.com/repair letter. 
You can count on us as a resource as you work to achieve your credit health goals- we want you to be able to get the financial opportunities you deserve. 

sincerely, Your TransUnion support team
Product: Credit reporting or other personal consumer reports

I have 5 missed payments to old in to be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX. INQUIRIES : XXXX XXXX, XXXX  XXXX  XXXX I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Checking or savings account

I have undergone a serious life threatening XXXX XXXX requiring extensive XXXX, I informed the bank of this and requested that I not be charged any fees for holding my money during this time or I would like those accounts closed instead of being charged ; the banker agreed. I was shocked to emerge out of XXXX to see that my account was overdrawn by {$100.00} or more!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to opt out of Your company services, please freeze my reports and cease and desist reporting of my personal and confidential information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on Lexis Nexis report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. 

It is stated in Lexis Nexus report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. 

This inquiry needs to be removed from my report.