23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, I deposited a cashiers check in the amount of {$1400.00} to my checking account with Citibank via the mobile deposit application, which the bank and its website encourage customers to use. I have never deposited a check which was not honored not has there ever been any sort of hold placed on a deposit. After depositing this cashiers check from XXXX XXXX I assumed my deposit would be available immediately, as per usual. After waiting an hour or two, I called Citibank to find out why the funds were being held. I was told they would be made available within the next day or two. Upon again asking why, I just received a non-answer about bank policy. Today, I received two separate emails from Citibank regarding this transaction. The first stated that my check had been processed, which meant to me that the bank had simply cashed the XXXX XXXX XXXX. The next email stated that due to confidential information from Citibank that the check would not be a good check, an 8-day hold on my funds would take place and that my funds would not be made available until XX/XX/year>. Today, after trying to reach a customer service representative by phone and finding that process to be impossible, I was on an online chat for over an hour. I spoke to a Customer Service supervisor named XXXX, who informed me that if I had deposited the check via ATM or cashier the funds would be available immediately but since I chose to deposit via mobile, the banks policy was to place a hold on any check, even a cashiers check, deposited that way. After informing him that there had never been any hold in the past an any check deposited and asking why this cashed check was being given different treatment, I was told that it was in the banks discretion to basically put any sort of restriction on a deposit that they wanted.
Product: Student loan

I had direct withdrawals for all payments, My loan was sent to collections because I was n't paying. When I called to address this issue I was told the terms of my loan had changed since navient took over my loan from XXXX. Since this change occurred they could no longer use my direct withdrawal information and since I was n't paying this put me in default. I was never notified, ever that this change was occurring. I would have gladly continued to pay with direct withdrawal. This was turned over to a collection agency to manage so now my credit is in jeopardy all do to their XXXX practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company XXXX XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Alliant Capital regarding their debt collection practices, which I believe to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I recently received a letter from Alliant Capital on XXXX XXXX XXXX regarding a debt that allegedly was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the letter, they stated that I had until XXXX XXXX XXXX to respond to the charges. 

However, within just three days of sending this letter, on XX/XX/, I experienced what I consider to be egregious harassment by their representative, XXXX XXXX XXXX also using the name XXXX XXXX ). Despite the letter clearly stating that I had until XX/XX/2024, to respond, XXXX XXXX contacted my relatives, seeking information about me. 

When I contacted XXXX XXXX to inquire about this, he explained that they had tried to reach me by phone, and since I did not respond, they resorted to contacting my relatives. During our conversation, XXXX XXXX dismissively mentioned that I was now XXXX XXXX XXXX XXXX because they had called my relatives. I found this choice of language unprofessional and disrespectful. 

I specifically asked why they did not contact me through email or regular mail, as they have my email address and home address, but XXXX XXXX claimed he had already sent an email, which I allegedly did not respond to. I pointed out that the email clearly indicated that I had until XX/XX/ to respond, and questioned the need for contacting my relatives. 

Despite my concerns and insistence that such actions are against the law, XXXX XXXX continued to dismiss my objections, stating that I " didn't know what [ I ] was talking about '' and that he was within his rights to contact my relatives. I firmly believe that such actions are in violation of the FDCPA, which prohibits debt collectors from engaging in unfair, deceptive, or harassing conduct. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Alliant Capital for its violations. I have attached a copy of the letter I received from Alliant Capital, as well as any relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

I could not access my free credit report online, back in XXXX, so I contacted transunion, experian, and equifax over the phone. I was was unfamiliar with alot of inquiries and information regarding my address was not updated.I waited almost 30 min to an hour to speak to someone about reporting inaccuracies as far as addresses, phone numbers, etc. I was asked by each representative of each bureau would I like a security freeze, but how would I agree if I can't see any of my credit reports myself? I'm getting denial letters in the mail for things I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX during COVID. Each institution hasnt properly handled my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. 

Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. 

the only document i received from XXXX XXXX XXXX does not validate a debt. i have attached it to the complaint for the review of the CFPB. 

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. 

United States Court of Appeals, Ninth Circuit.

Linda L. CLARK ; Jerry V. Clark, Plain
tiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees.
Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795.
Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana.
March 26, 2001.

Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant.

Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee.

ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I contacted Bay Area Credit services about settling my debt with XXXX XXXX XXXX. XXXX around XXXX of this year.I first offered monthly payments but they wanted nothing to do with it but settled on a one-time payment of around $ XXXX.So I gave them my debit card number and repeated back the confirmation number of payment they did not repeat it back but hung up on me. So feeling uneasy about this I canceled my payment and researched the company. I found out they were not on the up and up and more than likely a scam service. many complaints have been made against this company I do not trust them with my financial information whatsoever.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX  Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.
Product: Credit reporting or other personal consumer reports

I put in a previous dispute for accounts reporting on my credit due to fraud and trans union credit reporting agency responded to needing proof of address sending proof of address to get accounts removed from credit report due to fraud uploading information for dispute # and proof of address
Product: Debt collection

I contacted the company ( credit collection services ) regarding a {$54.00} debt that has made a negative impact on my credit. i deicide to settle for {$21.00} for the first time the company claimed it was insufficient funds when they attempted to take funds from the account which was false the funds was available. i then tried a second time to settle again and now they stated i needed to make a payment for {$25.00} in which i did and this time funds was taken out my account both times. I asked for a letter and also a receipt and i was told it will be emailed to me once funds has cleared. funds has been cleared and i still have yet to get a notice to take the negative mark off my credit report and also the transaction. this negative mark is hindering my score so much which the negative mark and i asked for this to be verified in which i still have not received anything stating an itemized bill on how do i owe {$54.00} to XXXX XXXX XXXX XXXX. This company has caused me not to obtain a place to live for me and my children because of the negative mark on my credit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX. XXXX, XXXX XXXX US DEPT . OF EDUCATIO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on CLUE is inaccurate as the accidents stated below listed me as " At Fault. '' These should be listed as " Not At Fault. '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No such event occurred. 

When I spoke with XXXX they are listed as not at fault. This is creating high car insurance charges. I need these removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is ELAN FINANCIAL SERVI FOR {$14000.00}. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ELAN FINANCIAL SERVI opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

ELAN FINANCIAL SERVI HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : XXXX, has violated my rights. 

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: Vehicle loan or lease

On XX/XX/ I got a loan at XXXX in XXXX XXXX Ny for a used XXXX XXXX XXXX  that had XXXX miles. I was under the assumption I was paying {$13000.00} for this vehicle. All said Im down the interest was over {$10000.00}. So the car was then set at {$26000.00}. I currently owe {$23000.00}. My car is only worth $ XXXX {$5000.00}. Im paying way over what the car is worth. Between XXXX XXXX XXXX XXXX XXXX my car increase {$280.00}. I do not want to pay {$23000.00} for a car that is worth {$4000.00}
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There are inquires on my credit reports that i did not authorize : XXXX XXXX XXXX Webbank/Avant 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, credit repair services, or other personal consumer reports

this message is against XXXX, XXXX, and transunion. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX  XXXX XXXX*Balance : {$0.00} XXXX XXXXBalance : {$0.00}