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

XXXX XXXX Balance : {$2800.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$13000.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$980.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX Balance : {$1900.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX Balance : {$720.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$1400.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$2400.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed
Product: Credit reporting or other personal consumer reports

I requested a dispute of incorrect information showing up on my auto insurance file in XX/XX/year> to LexisNexis and informed them off all the relevant information and facts about the matter. In XX/XX/year> I received their decision of not to correct my consumer auto insurance file saying an accident was my fault even though it wasn't my vehicle, and I wasn't on the police report. The XXXX XXXX XXXX XXXX illegally paid the claim after I informed them about it being a frivolous claim and not to pay it. The Indiana law states specifically that a hit and run can't be claimed under an uninsured motorist claim unless the person that performed the hit and run is found and they indeed do NOT have insurance, which wasn't performed as per the police report. Additionally, the claims adjuster could have clearly seen I took the individual and vehicle off my policy in XXXX once they moved out of my residence and into another one in another city, but the insurance company still let the individual add themself back onto my policy without my knowledge or permission long enough to file a frivolous insurance claim, which in turn has increased my insurance rates for over XXXX years now with no success of getting it corrected for whatever reason.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to request the removal of fraudulent or unauthorized accounts resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that Discover Student Loans had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called Discover Student Loans to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT MANAGEMENT, XXXX. XXXX XXXX, XXXX, TN XXXX IS REPORTING AN INACCURATE ACCOUNT FOR XXXX XXXX XXXX FOR {$2100.00}. I DO NOT OWE XXXX THE AMOUNT OF {$2100.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to sign up for a program with the company XXXX. The cost is {$7800.00}. I would put that on two credit cards, but the person I talked to said I could take a loan through Affirm instead. I saw four options on their web page to do that : a three-year loan at XXXX. ** %, a two-year loan at XXXX. ** %, a six-month loan at 0 %, and a 12-month loan at 0 %. I chose the latter. 

After the call ended, I checked my email and saw one from Affirm that included this : For your {$9300.00} loan, you'll make 12 monthly payments of {$770.00}, with an APR of 34.65 %. 

I had never been presented with a Truth in Lending Act statement and never agreed to those terms. 

I wrote an email complaining about that to Publishing.com and received a reply saying I needed to take the issue up with Affirm. I called them this morning, and with great difficulty, I explained the problem as I was connected to a call center in XXXX with a great deal of background chatter. I was told to write an email to XXXX XXXX XXXX explaining my issue. I did explain and asked them to cancel the loan. I have not received a reply. 

Even though I hope they will cancel the loan, I want to proceed with this complaint as there was a clear violation of the Truth in Lending Act. 

I am attaching their email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Product: Checking or savings account

Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I opened a new Citibank account and transferred {$50000.00} to Citi, intending to take advantage of a {$700.00} welcome bonus offer for doing so. Citibank did not honor the {$700.00} bonus, closed the account without explanation on or about the date the bonus was due to be paid out, and Citi held the {$50000.00} deposit without recourse or access by me for a total of 4 months. Under California Civil Code 3294, Citis actions constitute fraud and malice. Citi argued my previous CFPB claim was invalid as my husband undertook this on my behalf, and sent me a letter via email with a number of factual errors claiming Citi did not find evidence of unfair or discriminatory actions, which is blatantly false as the evidence I have provided clearly proves. In my response to this email on about XX/XX/year>, Citi did not further respond. This is my final effort to avoid a court case. 

Under California Civil Code 3294, Citis actions constitute fraud and malice : Fraud means an intentional misrepresentation, deceit, or concealment of a material fact known to the defendant with the intention on the part of the defendant of thereby depriving a person of property or legal rights or otherwise causing injury. 
o Whereas Citi never provided an explanation of why they canceled the account, held the deposit for four months, refused to provide proper service during the account closure, and denied the welcome bonus despite meeting the requirements of Citis own written terms, I maintain that Citi committed fraud. 
XXXX  means conduct which is intended by the defendant to cause injury to the plaintiff or despicable conduct which is carried on by the defendant with a willful and conscious disregard of the rights or safety of others. 
o Whereas Citi demonstrated wanton disregard to return the very large cash deposit to me, under the pretense of some internal investigation, the details of which were never provided, and whereas Citis unilateral decision to deprive me of my cash for four months without recourse, demonstrates a willful and conscious disregard to my property rights and my financial security, I therefore maintain that Citis actions constitute malice.

However, I send this final demand letter in hopes to remedy this situation outside of the court system.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid off my student loans with Mohela. On XX/XX/XXXX I received confirmation that my loans were paid off. On XX/XX/XXXX I went to check my credit report with XXXX and I noticed that XXXX months of payments were missing from my report, it showed that my last payment was in XXXX and that I owed over {$XXXX} still. I filed a dispute that day. Today ( the XXXX ) XXXX got back to me and said the dispute was resolved. The total owed was the same, and they are still missing 6 months of payments, the only change they made was to say that they received information this month.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only 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.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX TransUnion XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Product: Debt collection

COMMONWEALTH FINANCIAL XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that COMMONWEALTH FINANCIAL or any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMMONWEALTH FINANCIALor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; XXXX given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX XXXX my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

XXXX. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

XXXX. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( XXXX ) XXXX disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and XXXX dispute has been settled.
Product: Credit card or prepaid card

CHASE has been denying use of the credit cards they provided me, even though there has been plenty of credit and cash availability on the cards. I have emailed XXXX XXXX of the CFPB. Please follow with him, he has additional background to share.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

1 ) XXXX XXXX XXXX CHARGED OFF ACCOUNT XX/XX/XXXX Account Number XXXX XXXX 2 ) XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX due to the account being inaccurate. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of bettering my family. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit card

My Barclays XXXX credit card was charged interest of {$1.00} for the statement period XX/XX/XXXX - XX/XX/XXXX. Per the attached billing statement, the previous balance as of XX/XX/XXXX was {$570.00}. Per the statement, Payments of {$640.00} were made so, the balance was paid in FULL plus and EXCESS of {$67.00} but, interest was still charged. 

Additionally, on my Barclays Upromise credit card statement for the period XX/XX/XXXX - XX/XX/XXXX, interest of {$14.00} was charged tot he account. Per the attached statement, the previous balance as of XX/XX/XXXX was {$890.00}. Per the statement, Payments of {$1100.00} were made so the balance was paid in FULL plus and EXCESS of {$270.00} but, interest was still charged.

Barclays is clearly charging interest to customers on a regular basis and is not crediting the error UNLESS, the consumer contacts them to request the credit. This is an ongoing issue with the bank which has not been resolved since it is also occurring on another credit card which I have with Barclays, the XXXX XXXX AAdvantage credit card. 

They appear to be in violation of double-cycle billing which was banned in XXXX. 

" One Method That's Been Banned In years past, some credit card companies used a method known as double-cycle billing, which based its calculations on the customer 's average daily balance over the last two billing cycles. That sometimes resulted in cardholders paying interest on debt they had already paid off. The practice was banned by the Credit Card Accountability Responsibility and Disclosure Act of 2009, better known as the CARD Act. ''
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with XXXX in regard to this account First Premier {$1100.00}, XXXX XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXXXXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/year> which is another inaccuracy! How payment history begins XX/XX/year> and account opened in XX/XX/year>. The accounts for XXXX also showing various inaccurate late payment of XXXX, XXXX, XXXX then XXXX, XXXX, XXXX late. inaccuracy which shows XXXX, Transunion, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that XXXX, Transunion, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : First Premier Bank Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}