23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX credit cards on my account with Citibank, at this time Im little short with the money because Im not working so Im paying the minimum balance for couple months, before onXXXX week Citibank closed my first credit card account so I tried to call Citibank but I was not lucky having a representative so the only option was automatic mail voice that i make the minimum payment after I made the payment of my account the account is still closed and today XX/XX/year> my second credit card account closed without let me know or warning me before providing to this action, I call the credit card number I spoke with a representative and he told me that he dont know why the account is closed and he told me that my account closed today and they want sending me a mail later to explain in 5-10days I asked him to told with his supervisor to help me more and if he can give me some more information but no luck and the supervisor told me the same think that they wan na send me a mail later after 5-10 days, I have my credit card connected with bills and other stuffs and they leaving me with no credit cards for days and no reason yet and no warning days because they provided to this action letting me on the dark side exposed to obligations in respect of my personality
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.
Product: Debt collection

I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from XXXX XXXX XXXX in XXXX, Kansas. The account went to a collection agency, Ad Astra Recovery Services, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I had been eagerly looking forward to buying XXXX gifts for my kids using an AMEX gift card that I had purchased for {$300.00}. However, much to my dismay, when I tried to use the gift card to make purchases, the transactions did not go through. I tried multiple times, carefully entering the required information to ensure that it was correct, but to no avail. I even tried using the card on different websites such as XXXX and XXXX, hoping that it would work, but it didn't. Frustrated and confused, I contacted customer support for both XXXX and XXXX, hoping that they could help me resolve the issue. However, even after spending hours on the phone with their customer support representatives, I was still unable to make any purchases using the gift card. As a last resort, I contacted the AMEX gift card customer support and explained my problem to them. I was hoping that they could offer some help or provide me with options to resolve the issue. However, much to my disappointment, they informed me that there was nothing they could do to help. I was left feeling baffled and frustrated as I had been misled into buying a gift card that I couldn't use to make purchases. It was a terrible experience, especially since I had been looking forward to using the gift card to buy gifts. The fact that I had lost my hard-earned money only added to my frustration and disappointment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX Dear Sir or Madam : I am writing about the information LVNV FUNDING LLC reported on my XXXX, XXXX, and XXXX XXXX credit files .

I am unaware of this debt. I did not have an opportunity to dispute this information per 12 CFR 1006.34 ( c ) ( 4 ) ( i ). If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature. If you are unable to provide this documentation, I request its removal from my credit reports.

I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau
Product: Debt collection

There are numerous fraud accounts in my profile that i want to remove in compliance w/ FCRA. kindly remove the following : 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 XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 - XX/XX/XXXX I made payments totaling almost {$8000.00} to my Comenity XXXX Visa Credit Card. Since then they have not reported to the credit bureaus and my balance on the credit card still shows it's around {$8000.00} which is effecting my credit. I am coming up on trying to buy a house in the new year and I gave them time to have this figured out. I understand maybe it takes 30 - 90 days ( all of my other credit cards report when the statement period closes ). I originally contacted Comenity in the beginning of XXXX saying it's been over 60 days and they haven't reported. I was told it would be done in 7-10 business days and then it would happen, it wasn't reflected. I then called back XXXX XXXX and that person stated because XXXX 's was bought out by Comenity they haven't been reporting due to the transition and it would reflect in 30 days. I messaged them in the system and they sent me a message saying they are not reporting to the credit bureau yet because of the transition - It has been nearly 4 months and this is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts & Unauthorized Inquiries Request for Immediate Deletion Under FCRA Section 605B Dear Credit Bureau, I am writing to formally dispute the fraudulent accounts and unauthorized inquiries appearing on my credit report due to the Equifax data breach that exposed my personal information. As a result, I have become a victim of identity theft. 

Under FCRA Section 605B, I am requesting the immediate removal of these accounts and inquiries from my credit report as they were fraudulently opened or accessed without my consent. Additionally, these inaccuracies violate Metro 2 Compliance Standards and XXXX reporting guidelines, requiring their deletion. 

Disputed Accounts ( Must Be Deleted ) : 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 Unauthorized Hard Inquiries ( Must Be Removed ) : XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Experian ) As per FCRA Section 605B, once I notify you of identity theft, you are legally required to block and remove these fraudulent accounts and inquiries within four business days. 

Requested Actions : 1. Immediately delete the fraudulent accounts and hard inquiries from my credit file. 
2. Provide me with an updated credit report reflecting these corrections. 
3. Cease reporting these items to third parties, including creditors and lenders. 

Please confirm in writing that these fraudulent accounts and inquiries have been removed. You may contact me via the information provided above if further details are required. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have no clue as to why they are still charging me. I returned the cable boxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX 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 written instructions
Product: Credit card or prepaid card

I have a Synchrony Bank XXXX  XXXX that has now be turned off twice this year do to fraudulent activity and I am not notified prior to it being turned off. I always have plenty of credit available and use the card for autopayments so when it is turned off it is a giant hassle to update all the autopays. When I call no one is ever able to answer what occurred leading to the card being turned off and I am forced to wait for a new card to arrive, during this time I have no access to my account.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and i had my first child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Product: Debt collection

I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has an negative mark on my report that is WELL past 7 years old Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit -
Product: Student loan

I applied for XXXX and XXXX on XX/XX/2023 on studentaid.gov. My service was XXXX, and they informed me that due to the XXXX, I would be transferred to MOHELA by the end of XXXX. 

The end of XXXX came and my loan was supposedly transferred, but I didn't receive any information from MOHELA. Eventually, around XX/XX/XXXX I received notification that my loans transferred and XXXX count was in-progress. 

I called to speak to a representative because the payment due date was in XXXX, even though loans were not supposed to restart until XXXX. I asked about my XXXX application as well. The representative informed me that : a ) the payment was an error in the system b ) My XXXX  application was " lost '' in the transition. 

I was advised to redo the XXXX application and that I would be put into an admin forbearance while it was processing. My payments are too high to make without XXXX. 

On XX/XX/XXXX, I received several emails : admin forbearance, and billing statement. The billing statement is for XX/XX/XXXX, so 3 days until a payment is due. But I was supposed to be in admin forbearance until my XXXX application was processed. 

Today, XX/XX/XXXX, I logon and check that my XXXX application has been denied and I have a payment 2 days past due. I was not notified about anything regarding the XXXX application. Did they want more information? Who knows because they never sent an email, message, or phone call. It was just flat out denied with no reasoning. Interestingly on studentaid.gov, it still shows in-review. 

I am currently trying to call MOHELA. The wait time at the start was XXXX minutes. I have a job. I can't wait nearly XXXX hours on hold to speak to a representative to find out what is going on. This is not customer service. There are no updates on the estimated remaining time to speak to a representative.
Product: Checking or savings account

They would provide a courtesy credit once a year but j never understood all the overdraft charges. I would have money post then it would disappear and I would have a overdraft charge and the bank would say it had not posted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXXXXXX XXXX this company CNACXXXX XXXX XXXX ran my debit card without my consent. My account is not on auto pay and they had been calling back to back for at least a week or so prior to attempting to run a transaction. They couldnt contact me and decided to run the transaction without my consent. Luckily I didnt have anything in the account. This company get customers to sign unfair contracts saying they will repo your car if you miss one payment. They have multiple complaints and suits against them already.
Product: Debt collection

I am writing to formally dispute the collection account reported by Jefferson Capital Systems LLC on my credit report. This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements.

Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt.

Documentation of the original signed agreement proving I owe this debt.

Evidence that Jefferson Capital Systems LLC has the authority to collect in Ohio while attempting to enforce this debt in New York. 
Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. 

Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), unverifiable debts can not be reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in New York while I reside in Ohio. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 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: Mortgage

On XXXX i requested for a pay off demand. I have not received anything as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.
Product: Credit reporting or other personal consumer reports

I am formally disputing these inaccurate accounts and inquiries that are currently listed on my consumer report. This information is harming chances of a healthy financial well-being. I am well aware of my rights under the Fair Credit Reporting Act. I request an investigation to cure these inaccuracies as required by federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We leased a vehicle from GM for a term of 36 months and paid all payments promptly as due. We turned in the vehicle prior to the lease end ( XX/XX/2020 ) to GM. The vehicle was much lower mileage than allowed and it was in outstanding condition. We were told and assumed that our relationship was complete. We got a statement from GM Financial on XX/XX/XXXX, which indicated we owed {$240.00} including {$12.00} Past Due Payment charge. I immediately called GM Financial and offered to pay the invoice, but I asked them to remove the {$19.00} late fee. I called twice, got no offer to remove the late fee and asked to speak to a supervisor. Each time I was placed on hold for over 30 minutes and then hung up on. I also sent a letter explaining and asking the same consideration to GM Financial via fax and email. There was no response. On XX/XX/XXXX we received notice that GM Financial had reported us to the various credit reporting agencies stating that we were delinquent on our a/c. I tried again yesterday ( XX/XX/XXXX ) and today to resolve this matter with GM Financial. I even offered to pay the unwarranted {$12.00} to settle. I asked that they contact the credit reporting agencies to clear the erroneous information. They refused. I know of no further action on my part to resolve this in a satisfactory manner.
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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 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: Money transfer, virtual currency, or money service

I initiated a transfer of money from my XXXX XXXX XXXX account for {$9000.00} to Coinbase on XX/XX/XXXX. They initiated a second unauthorized amount for {$9000.00} and overdrew my bank account. They are now saying I owe them this money because my bank account rejected their offer and are going to take my money that is currently in their account. I am owed the {$9000.00} plus any fees my bank charges me for them overdrafting my account but currently I can't access my account until I pay them the money that I " owe '' them.