23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, as well as Transunion are all consumer reporting agencies and I am the consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared, and it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information. '' Furnisher of Information to Credit Agencies is defined as " the financial institution and the consumer reporting agencies. By definition, Furnisher of Information to Credit Agencies is a financial institution under that same title. Now, 15 USC 1681 section 604 a section 2 states, " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. '' Furnisher of Information to Credit Agencies, the financial institution and credit reporting agencies XXXX XXXX and Transunion, do not have my consent to furnish this information ; whether that be written, nonwritten, verbal, nonverbal, or implied, they do not have my consent. Any and all consent is revoked. Also, I was never informed of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states, " a financial institution may not disclose nonpublic personal information to a nonaffliated third party uness -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In addition to that USC, one that corresponds with that here is USC 1681C ( a ) ( 5 ) which states the following : " Except as authorized under subsection ( b ), 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. '' Several accounts fall under the category of adverse items which is against the law as they are reporting without my permission. 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. To back this up, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ; and 15 USC 1681s-2 ( A ) ( 1 ) states, " A personal shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. XXXX, XXXX, and Transunion are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote TransUnion a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : XXXX XXXX INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit card or prepaid card

Chase credit card benefit services through XXXX ( XXXX ) has not addressed concerns with claim process. All required docs have been provided but repeatedly being asked for information that is not necessary as per insurance claims review policy, would like review to be conducted by different personnel.
Product: Credit card

This is an update to case file XXXX. I had mistaken and was confused. I only applied for XXXX card and that 's the freedom. There were fraudulent transaction on it. The only valid charge is the first online charge for XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.
Product: Credit reporting or other personal consumer reports

Subject : Response to Equifaxs Inadequate Investigation CFPB Complaint # XXXX Dear CFPB and Equifax, I am writing to formally rebut Equifaxs response to my CFPB complaint regarding the inaccurate and unverifiable XXXX ( XXXX - XXXX, XXXX  ) appearing on my Equifax credit report. Equifaxs response fails to meet the legal standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), which mandate : Maximum possible accuracy in credit reporting ( 15 USC 1681e ( b ) ).

Verification from a reliable, original source or removal of the disputed item ( 15 USC 1681i ( 5 ) ).

Issues with Equifaxs Investigation Response : Equifax failed to provide a method of verification. Instead of obtaining information directly from the original source ( i.e., the XXXXXXXX XXXX XXXXXXXX, which confirmed they do not report bankruptcies to credit bureaus ), Equifax relies on third-party vendors to verify this information. This is legally insufficient and unacceptable under the FCRA. 

The XXXX  information does not match across all three credit bureaus, proving an inconsistency and lack of verification. 

I have already submitted a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which explicitly states that they do not report bankruptcies to any consumer reporting agency. If the court does not furnish this information, Equifax has no valid, verifiable source for reporting this XXXX. 

Formal Demand for Deletion : Since Equifax has not provided direct, verifiable proof from the original furnisher ( i.e., the XXXX  XXXX ), it is legally obligated to remove this XXXX  from my credit file immediately under 15 USC 1681i ( 5 ). 

If Equifax fails to comply, I will escalate this matter by : - Filing a formal complaint with the Federal Trade Commission ( FTC ).

- Consulting legal counsel to initiate litigation seeking {$1000.00} in statutory damages per violation under 15 USC 1681n.

- Requesting that the CFPB conduct a full investigation into Equifaxs systemic violations of the FCRA. 

Next Steps : Equifax must either delete the inaccurate XXXX  from my credit file or provide, in writing, the exact source that verified this information, including the name and contact information of the individual or entity who confirmed its accuracy. 

Failure to comply within 15 days will result in immediate legal escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX
Product: Checking or savings account

My account was hacked and they stole a ALL of my pay check I could not pay the bills that sustain my family and a BECU WOULD NOT HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I submitted a request to Equifax and XXXX over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase at XXXX XXXX in XXXX XXXX, IL on XX/XX/. I was asked to apply for a credit card. To my surprise my old credit card was no longer valid. I was in the store nearly two hours waiting. The result ended in no response because their system was not functioning. I paid for my items and left the store. I was in the store from approximately XXXX to XXXX XXXX. 

I did not hear anymore from XXXX XXXX. I checked my credit report with XXXX XXXX XX/XX/. I noticed a credit inquiry dated XX/XX/XXXX  ( XXXX XXXX ). I contacted XXXX XXXX regarding this hard inquiry late XXXX XX/XX/. The female representative was very rude. She told me that I had been rejected for a credit card. She could not provide a reason. She also could not tell me when this rejection was approved. I contacted XXXX  XXXX again early XX/XX/XXXX  and I was told that I was rejected for a credit card on XX/XX/. Again the representative was not sure why the rejection occurred. This representative was much more professional than the previous person. She could not understand why an inquiry made on XX/XX/XXXX  was not determined ( rejected ) until XX/XX/. 

I had not given XXXX XXXX permission to check my credit after my in-store application on XX/XX/2021. I was surprised to see that the actual date of the credit check was XX/XX/2021 after I was told that nothing went through. The credit department at XXXX XXXX explained that they were understaffed and apologized for the long wait on XX/XX/2021. I want this hard inquiry removed from my credit report because this is fraudulent on XXXX XXXX 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

Experian report # XXXX Experian has inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX there are errors XXXX  on the report
Product: Checking or savings account

To whom this my concern, XXXX My name is XXXX XXXX my account is closed with Navy 's Federal credit union. You can get in contact with me I never received my refund from my bank account. You can give me a call at XXXX
Product: Vehicle loan or lease

I have written to Credit Acceptance Corporation since XX/XX/XXXX about late payments on my credit report that they stated that I would not have negative remarks for in XX/XX/XXXX. In XX/XX/XXXX, I opened up this loan for a family who needed to obtain a vehicle-XXXX XXXX XXXX. They fell upon hard times and the vehicle was picked up XXXX XXXX. I paid the recovery to get the vehicle back on track and was put in a repayment plan to catch up the past due balance. I asked specifically when I spoke with the representative on XX/XX/XXXX and they told me that as long as I kept the arrangement then I would not be reported late. I personally repossessed the vehicle from the family member to ensure the payments would be made on time. I have 5 late payments on this account because the arrangement was for 18 months and I paid it off the arrangement early while caring for my then XXXX spouse and was told that I would not have a late payment by setting up the arrangement. Every payment has been made on time for the last year and a half since my husband passed away. I keep up the maintenance on the vehicle by going to my local XXXX dealership in XXXX, XXXX XXXX XX/XX/XXXX, this vehicle left me and my XXXX kids unexpectedly on the side of the road because it was running hot and shutting off with no prior warning. I had the vehicle taken to the dealership and they stated a multitude of issues that were expensive to repair. I called Credit Acceptance on XX/XX/XXXX and spoke with XXXX and explained what occurred and asked for an arrangement in order to pay the balance and still get the vehicle repaired. I SPECIFICALLY ASKED AGAIN IF I WOULD HAVE LATE PAYMENT ON MY CREDIT REPORT WITH ME SETTING UP AN ARRANGEMENT AND SHE SAID I SHOULD NOT. The agreement was XXXX that day which I paid and XXXX a month starting XX/XX/XXXX. On Friday XX/XX/XXXX, I get a notification from the credit bureaus stating that this same organization had updated my credit report 30 days late and dropping my FICO score 37 points with XX/XX/XXXX. This company does not respond to any correspondence. They have falsified information to me on several occassions about credit reporting that are inaccurate. I want all of these late payments removed.
Product: Credit card

i need XXXX XXXX from capital one to call me about disputing XXXX on my account its time and i ened it done. too many different answers. i try her with all those numbers at her extension and my time is valuable i need a call after XXXX XXXX to dispiute the rest of it. i need it back. merchant will not fight it.
Product: Credit reporting or other personal consumer reports

I just want Experian to update my name bank already sent my updated name report to all three beuraus ... XXXX and XXXX already updated my name in submit my all documents to all of them but Experian is not updating it i called to their dispute department several times I already submitted the dispute they everytime take XXXX XXXX to update but nothing happens it's so frustrating
Product: Mortgage

XXXX Sold My Mortgage to XXXX XXXX Serviced by Caliber Homes. I Had Credit Life and Disability with XXXX, they Foreclosed was about to Lose so they Withdrew, and 5 Years Later with No Payments, and No New Contract Signed, and No Money Paid to bring Claimed Arrears Current, they Sold My Mortgage to XXXX XXXX! There Has been Several Class Action Law Suits Against XXXX. if XXXX had Not Sold My Mortgage My Wife and I Could have Been a Part of the Class Action Suits! so We were Cheated Again we went to Court XXXX XXXX Ohio XXXX on XXXX Judge XXXX XXXX Could See by His Own Review The Numbers Were WRONG Also if My Attorney XXXX XXXX had Not went XXXX XXXX and Presented My Payment History The Judge Could have seen I was Being Cheated Every Way Possible. XXXX XXXX XXXX XXXX  XXXX is a Subsidiary of XXXX   and if You Review them You Will See they are Being Sued and are No Longer Offering Credit Life and Disability. XXXX XXXX Purchased My Mortgage in a Portfolio of Mortgages to Make a Profit Bragged They Paid Pennies on the Dollar and Offered Me a Settlement of XXXX When i Only Owed XXXX if XXXX Would Have Processed My Claim Correctly i would Not have Paid on my Account from XXXX Instead i Payed until XXXX So They Owe Me XXXX Back.
Product: Checking or savings account

I have repeatedly tried to get the issue resolved of a XXXX payment for a year. They originally gave me my money back, then took it away causing over 1000 dollars in the negative. XXXX records show that they still charged the owner of the account the funds they pulled from my bank. I've tried getting them info from XXXX and they never seem to notate my account or resolve the issue. I've waited a year for them to fix this.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00}
Product: Checking or savings account

They owe me XXXX for taking back dispute money XX/XX/XXXX and XXXX XXXX, XXXX, My car had been broken into and I filed a police report and sent it in to the head office in XXXX Florida. Then theXXXX for credit card rewards they refused to pay me and {$2200.00} in Overdraft and XXXX fees! XXXX, XXXX, XXXX AND XX/XX/XXXX. They charged me to transfer money from savings to checking to make sure I had a positive balance that was another {$30.00}.