23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with Citi bank for many years. The issue began when I became XXXX  on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institution, without even as much as a XXXX  payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. XXXX XXXX  bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report were incorrect when I reviewed them. 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 corrected : XXXX XXXX Balance : {$6200.00}, XXXX XXXX  XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Nelnet on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised Nelnet that the MPN that was provided was not for the University of the loan that they stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Citibank credit card for XXXX charged my account and I submitted this as fraud or dispued account. I spoke to the company once before and found out that they had reversed the charge. The company charged my card after 3 months and this time went to fraud. The person ask me questions that were not appropriate such as do you have family members that steal from you? Do you give the credit card to someone else? Did I have plaster or work done on my home? The asked if I had any loans that I applied for or credit cards. In addition, the representative was going to ask more about my personal details and I advised them I was calling about a incident that I am being charged that I was told was closed. The company replaced the card due to the breach and now I had a customer service agent accuse me indirectly that I have a charge that they can ask my whole financial history. My request was simple where did the money get deposited and to whom did the money get deposited. They didn't have any of the information it was a one sided discussion where the company wanted to charge me and not look into it even though it has been over 60 days since it has been closed. The company had to send me a check for overpayment. This shows up as a new charge on the card. I have asked for the supporting documents and the company has provided none. They are overstepping their rights under the Fair Credit Reporting rights in addition the representative was rude.
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 account # 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for noncompliance. Despite my previous dispute request, they have failed to investigate and correct inaccurate charge-off entries on my credit report, causing harm to my creditworthiness. 

The following charge-offs remain inaccurately reported : XXXX XXXX XXXX Opened : XX/XX/XXXX {$17.00} XXXX XXXX Opened : XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} Violations and Grounds for Complaint : Failure to Investigate : Under 15 U.S. Code 1681i, credit bureaus must investigate disputed items. My disputes were ignored or improperly handled. 
Negligent Noncompliance ( 1681o Violation ) : By failing to correct these inaccuracies, the credit bureau has caused financial harm by negatively impacting my credit score, making it harder for me to secure housing, loans, and financial opportunities. 
Unverified and Outdated Accounts : Some of these charge-offs do not belong to me, and others are outdated and should be removed per federal reporting guidelines. 
I demand immediate action to correct these errors and remove all unverified negative accounts. Furthermore, I request that the CFPB hold Experian, Equifax, and TransUnion accountable for their non-compliance with the FCRA. 

I have attached copies of my dispute letters, supporting documents, and credit report for reference. Please provide a resolution within 30 days to avoid further legal action. 

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

I have disputed with XXXX XXXX on 3 separate occasions within the last 90 days an incorrectly reported account with XXXX XXXX LVNV FUNDING Resurgent. This account was included in XXXX  XXXX Bankruptcy discharged on XX/XX/21. On XXXX I called Resurgent  at XXXX XXXX 2 times between XXXX and XXXX XXXX pst and requested that they report this account as closed and included in a XXXX  XXXX BK discharge. I was told it was not in the bankruptcy and I was told I had called them in XXXX and asked for a hardship deferral ( I did not, I had my Bankruptcy hearing in XXXX ) and that I could resume payments when my financial situation changed and I explained that I would not be making any additional payments as this debt was discharged in a XXXX  XXXX Bankruptcy. She continued to insist this was not in the bankruptcy. I called back later in the afternoon after gathering all the paperwork to show this was included in the BK and this time they refused to provide any information at all as they said the account was flagged with a cease and desist despite the fact that 3 hours earlier the rep was able to discuss the account with me. They told me I had to remove the cease and desist for them to discuss the account with me and I was not comfortable doing so as whatever they were doing seemed suspect. I just want this information reported correctly. All of the other accounts included are reported as closed included in bankruptcy. This account reports as an open collection account in my XXXX XXXX report only and this score is almost XXXX  points lower than XXXX and XXXX.
Product: Credit card or prepaid card

I paid cash ( {$19.00} ) for a pair of shoes at XXXX XXXX in XXXX, Oregon on XX/XX/2022. My account at the store is XXXX since I paid directly for the shoes. The cashier signed me up for a in-store credit card to give me a discount on the shoes. 

A month later I got a bill for a {$20.00} late fee for an " unpaid interest charge {$2.00}. This was very confusing since I had already paid for the shoes at the store. I paid the {$20.00} late fee then closed the account. The following month I got another bill for {$41.00} in late fees. I have been getting daily calls from Comenity Bank regarding this bill. I have tried blocking the robo calls, but they continue from numbers indicating " No Caller ID ''. 

I wrote to the XXXX XXXX XXXX  about this, suspecting it was a scam/fraud. Today I received a bill for {$120.00} for late fees on a XXXX balance. The bill for {$120.00} included a statement, " As you requested, we have closed your credit card account. A monthly billing statement will be sent until the balance is paid in full. '' I did learn from the XXXX XXXX XXXX that Comenity Bank is not accredited by them and they can not resolve my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received a letter notifying me of fraudulent activity after a medical company 's account was hacked. I requested my credit report from the three major agencies. Disputed the incorrect info., received follow-up from XXXX XXXX and XXXX XXXX Tried to log on to my account with Experian of 6 years only to find someone has fraudulently acquired my account and changed my profile information. I then exhausted all known phone numbers to contact Experian to no avail. I wrote four letters and sent by USPS. Later found an email contact and started a thread, which then was told to email my account number and personal info for verification. No action, was told it's a timely process, I must wait my turn. Later was told to upload verification info again. I did, still no response.
Product: Mortgage

My complaint is against JP Morgan Chase and its about how long its taking our Modification to be completed. It has been over 4 years, we started trials over and over and every time we get to the 3rd payment they pull the trial process and come up with excuses of needed more paperwork, information etc ... It all started back in XXXX we wanted to refinance and found out we owe more than what the house is worth. We had a 3 in 1 arm and also found out that our mortgage payment was only principle not interest so in over 3 years the amount to be owed went from XXXX to XXXX. No one explained our payments to us, we had a choice of paying 4 different payments. long story short now our house is up on the Auction block due to the fact that it has taken so long for our modification to go through. We do n't want to loose our house over some technicality this bank is doing, it should not take this long for a modification, and every time I call for a update I get a different person with a different answer its very frustrating. I have wrote letters to the bank and to higher ups, sent one to the governor of Massachusetts, I just want some HELP PLEASE
Product: Mortgage

A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. 

Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. 

The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX  # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 and XX/XX/18 XXXX made two separate fraudulent hard inquiries to my Transunion report. Transunion has instructed me to contact each company individually and address the fraud myself. Attaching police report filed relating to my identity theft. I have been unsuccessful in reaching XXXX  by phone.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX XXXX  Reporting Practices under FCRA Dear CFPB, I am writing to formally submit a complaint regarding XXXXXXXX XXXX XXXX handling of my account, despite my communication regarding the impact of COVID-19 on my financial situation. I notified XXXX XXXX that I was affected by COVID-19 and arranged for a payment plan during this difficult period. However, XXXXXXXX XXXX has failed to properly update my account status in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this law, XXXXXXXX XXXX is required to provide accurate and timely updates to my credit report, which they have not done. I kindly request your assistance in ensuring that XXXXXXXX XXXX corrects my account information and complies with FCRA regulations. Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. during that time i suffered a XXXX and has COVID throught this 2 year term
Product: Money transfer, virtual currency, or money service

Chime let unauthorized charges to my account I tried to call several times to get them to lock up the account they said they did so and then transactions were still being removed I would like to get feather look into the account it was a virtual hack I'm guessing they took money through email XXXX  XXXX  phone numbers all different ways and now they're denying my request for their funds returned
Product: Credit card or prepaid card

This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX  XXXX at the Office of the President dated XX/XX/XXXX apologizing. 
The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee.. 

For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.
Product: Credit card

I opened a Citi / AAdvantage Platinum Select credit card late XXXX this year XXXX 2015 ). Citi told me to spend over {$3000.00} within the XXXX 90 days to receive a XXXX miles bonus. I spent well over {$3000.00} within the XXXX approximately two months, but the bonus never showed up. I contacted Citi Customer Service regarding the issue, but they told me that I was holding a similar credit card project before, so they could not issue the bonus anymore. When asked the details regarding the " other similar credit card '' that they stated I was holding, Citi refused to provide any information on that and told me to refer to the original welcome letter, which I was supposed to have received at some point in the past. I believe there was mishandling on my account regarding this matter. The representative was rude and not cooperative at all. Citi simply refused to provide information that they based their decision upon, refused to honor the claimed bonus in the acquisition offer, and left the consumer completely in the dark.
Product: Checking or savings account

-Received Promotional Offer from Citizens Bank . ( See Attached ) -Opened Account on XX/XX/2019 -Direct Deposit of {$500.00} bi-monthly commenced on XX/XX/2019 -Made Required 5 Debit Card Transactions -As of XX/XX/2019 no {$300.00} Deposit had been received. 
XXXX-Visited Citizens Bank on XXXX XXXX in XXXX XXXX Connecticut . CSR contacted Citizens to check on deposit and was informed it would not be made until XX/XX/2019. I filed a complaint with the bank manager as that is not what the back of the mailer stated. It specifically said the {$300.00} deposit would be made 60 days after account was opened which would have been around XX/XX/XXXX. Who can I contact to get assistance with be payed the {$300.00}?