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

I have credit card charges I didnt make and could have not made i was incarcerated at the times of the credit cards usage this is public information u can look my name up and see I was incarcerated I did not make none of those charges
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Transunion for unlawfully re-reporting a previously deleted XXXX XXXX  account on my credit report without following the proper reinsertion procedures outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the FCRA, if a previously deleted account is reinserted, the credit bureau must : Ensure the information meets reinsertion requirements ( XXXX has not provided proof that these steps were followed ). 
Notify me in writing within five business days of reinsertion ( I was not notified ). 
Provide me with the name, address, and contact number of the furnisher of the information ( XXXX failed to provide this ). 
Since XXXX has violated this law, I request immediate action to : Remove the XXXX XXXX account from my credit report due to its improper reinsertion. 
Hold XXXX accountable for violating the reinsertion provisions of the FCRA and ensure they comply with reinsertion requirements moving forward. 
I request a prompt investigation and written confirmation once this issue is resolved. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Vehicle loan or lease

I was told that I would receive a title in the mail from KIA in XXXX business days. It's been over a month and I still haven't received my title. 

They said they sent out the title on XX/XX/2023, it's now XX/XX/2023.
Product: Credit reporting 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 XXXX XXXX XXXX. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. Account Name : ONLINE INFORMATION SERVI Account Number XXXX ORIGINAL CREDITOR XXXX  XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights y request removed pay XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my XXXX y request removed pay XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rigths y request removed pay XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rigths y request removed pay XXXX XXXX XXXXXXXX XXXX 

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

False debt collection, for XXXX XXXX. I do not live in Texas and have not been to Texas for over a decade. The debt is false due to identity theft
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Vehicle loan or lease

Loan Acct : XXXX This company has failed to return my calls when inquiring about my sending my car contract. The customer rep told me they aren't allowed to do that, which is untrue. I've called XXXX and XX/XX/31 as well as several times in XXXX requesting my credit report be updated with all payments, which have been made 100 % on time. 

I'm always told the supervisor is busy, or the office that handles this complaint is closed. 

On my credit report, this company has been reporting inaccurate information as it shows my balance as $ XXXX, when really my total balance is {$34000.00}. This gross misuse of my credit report is not only predatory, but it is hindering my chances of refinancing out of this fraudulent ( in my opinion ) company in order to receive better rate, better customer service, and an overall better experience in a finance company.
Product: Money transfer, virtual currency, or money service

I overpaid my credit card bill back in XXXX and they owe me about {$5200.00}. I called the bank and they even confirmed that they owe me the money, but told me it's the credit card company that has to fix it. So called them and they told me the bank is supposed to be the ones to give me my money. I even heard it'll fix itself in a month, this has been going on for 3 months now and I don't have it. No letter in the mail or anything.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both XXXX and XXXX have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. Check the attachments below.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Furthermore, according to 15 USC 1681s-2 they are supposed to 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. 

I am demanding the deletion of these inaccurate accounts listed IMMEDIATELY.
Product: Checking or savings account

I closed my High Yield Savings Account at PNC Bank since I had two identical or very similar accounts and the FDIC insurance would not have covered both of them individually. 

I closed the account on XXXX/XXXX/2023 - XXXX 

I asked PNC to transfer the proceeds to my other Savings Account within PNC. 

They closed the account and ate up my accrued and unpaid interest. 

I asked them yesterday ( XXXX/XXXX/2023 ) as well as today ( XX/XX/2023 ) to pay my accrued interested and they said they will just forfeit it. 

It was hundreds of dollars in interest that they just ate up and never informed me about it while closing the account.
Product: Mortgage

I have an open complaint XXXX that I wish to add additional new data to. The Collection Agency PHH has sent me another illegal demand to force place flood insurance on my already maximum insured property. This " second and final notice '' is an illegal collection activity and is in violation of all Federal rules and regulations regarding reverse mortgages and collection agency practices
Product: Credit card

I have been trying to get my remaining money out of a closed account at Comenity XXXX XXXX XXXX for about one year. Despite a letter to them and multiple phone calls I have been unsuccessful. 

The problem began when I lost my credit card and a new one was issued, with a different account number. A credit from a canceled XXXX XXXX  XXXX reservation went into that former account for {$530.00} in XX/XX/XXXXXXXX  or thereabouts. I contacted Comenity Capital Bank and received a letter stating they were researching my claim on XX/XX/XXXX. Please allow up to 90 days for us to complete our investigation, they wrote. There was no subsequent reply. I started calling their customer service 4 to 5 months later ( on XX/XX/XXXXXXXX  ), and then repeatedly called back as no action ensued ( calls on XX/XX/XXXXXXXX  with dispute team supposed to call back but they never did, and then again, a XX/XX/XXXXXXXX  call ). I continue to receive statements regarding that closed account with a positive balance showing but have never received a check for that amount. 

I am demanding my money back, and an apology for this failure of customer service The account number of the closed account ends in XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Noticed this account on my report and I 've never heard of this company or even know who they are collecting on the behalf of, they have never sent anything, just added this errenous account to my report as a collection.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am unable to speak to a live person concerning an issue with my account. 
Avant -XXXX This is preventing me from resolving the issue. The company sends same form letter over n over and will NOT let me speak to person to discuss/so they can understand to resolve. Runaround to defraud/run up charges. 

NO MORE GENERIC FORM LETTERS. CONTACT ME BY PHONE TO DISCUSS. so I can explain it to you so you can UNDERSTAND.
Product: Checking or savings account

Opened an account ( US Bank XXXX XXXX ) with the bonus offer ending on XX/XX/XXXX. The promo code while opening the account was XXXX. 

After meeting all the requirements, the company XXXX US Bank ) is not honoring their bonus payments. A customer service representative from the bank confirmed that I have met all the requirements on a phone call ( XX/XX/XXXX ). 

When I called today ( XX/XX/XXXX ), I have been receiving vague excuses from the customer service representative about why the bonus has not been paid out. One representative mentioned that the account was not funded properly since the money was transferred from a different bank. Meanwhile another representative mentioned that since I received a personal checking bonus, I was unable to qualify for business checking bonus. Another representative sent me a flyer from the previous quarter XXXX. Since, I am getting vague excuses, I would like to file this complaint and have US Bank honor their original bonus terms.
Product: Credit card

I applied for a Citibank credit card several months ago and was denied ; they said my physical address didn't exist even though t 's on my license. I do NOT get mail at that address. They don't send to XXXX XXXX XXXX. I did NOT receive a card. Now my credit reporting is telling me I have a card and my credit has been impacted by it. 
Tried calling but they want card # [ which I do not have ] or SS. My SS # is not in their system. Yet XXXX says I have a card thru Citibank. 
I am afraid that someone has my card and could use it. I can NOT get through to Citibank to straighten this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, DSNB/MACY 'S add a hard inquiry on my credit report per XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called trans union and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXXXXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a XXXX named XXXX at XXXXXXXX XXXX XXXX and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXXXXXX XXXX XXXX named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I googled XXXXXXXX XXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX