23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Citibank Credit Card aware of my severe financial hardship for months now. Credit Card is unwilling to work with me making good faith payments every month. Credit card company constantly calls me and harasses me to make a larger payment than I can afford. I have tried several times to negotiate a more comfortable and affordable way to pay off the current balance. Every month, I call in to make a payment and still get harrassed or pressured and told that my good faith payment does not meet the minimum payment. I explain that I can not make a larger payment. The credit card associate threatened to send my account to collections today ( XX/XX/2023 ). Please assist me in this matter. 


I tried to furnish account number below. This account is now closed and still paying on balance.
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX  per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/ for amount {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Equifax is reporting that I have 2 bankruptcies on my credit report. They claim to have gotten this information from XXXX. I have sent several letters and my XXXX XXXX file to Equifax disputing this information. I want the items removed from my credit file Immediately! The first letter sent was on XX/XX/2020 and signed for on XX/XX/2020, second letter was sent XXXX XXXX signed for on XX/XX/2020, third letter sent on XX/XX/2020 signed for on XX/XX/2020 fourth letter sent on XX/XX/2020 signed for on XX/XX/2020, fifth letter sent on XX/XX/2020 signed for on XX/XX/2020. My final contact was a phone call to the company with no resolution. I've been dealing with this issue for 5 months and would like for this to be resolved as soon as possible.
Product: Credit card or prepaid card

This fraudster continues to harm me by fraudulently reporting " false personal x XXXX credit card balance '' every month for last 6 months to credit bureaus. This fraudster never stops violating FCRA. Now I am going to sue this fraudster for repeated FCRA violations.
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 bureausmust 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 removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause.

I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account.

The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement.

2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 
A chain of title proving ownership transfer of the debt. 
Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( SeeSpears v. Brennan, 745 N.E.2d 862, Ind . Ct. App. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 
XXXX. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have two credit reports on me. Equifax refused to merge the two credit reports. 
I have requested credit from a Creditor I was denial because of the two different reports. 
They decision which on of my Credit Report to send out. This have created two different FICO scores. This is FRAUD!
Product: Debt collection

Repeated calls from the number XXXX and XXXX. No voice mail left. When attempting to call back, automated response of " we can not transfer this call at this time. please call back at another time. ''
Product: Mortgage

I am asking for cooperation from NationStar Mortgage, LLC OFF Loan no. XXXX and given XXXX XXXX. XXXX given Title commitment I just did not proceed with this loan and is an resolution to the Mortgage and Insurance fraud by XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That on XX/XX/XXXX I received from XXXX XXXX dated XX/XX/XXXX as the corrective order Title Ownership to XXXX XXXX and XXXX XXXX order no. XXXX and again, again and again over XXXX  never paid XXXX for XXXX XXXX XXXX XXXX, mi XXXX and is A Big Fraud. 

Which means XXXX XXXX faked a title commitment no. XXXX and which means XXXX XXXX XXXX also faked clear title which is the reason the on XX/XX/XXXX michigan state treasury sent myclaim id escrow XXXX to XXXX  and XXXX contacted me contacted me with a claim number as XXXX and they are clearly lying to the CFPB and should face penalties.
Product: Checking or savings account

Dear Sirs : My son XXXX XXXX is an XXXX in the United States XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX he was in boot camp in XXXX XXXX TX. As his mother I monitored his financial affairs while he is in boot camp, as the military cadets have no access to anything electronic and have no means of communication outside of their base. 


On XX/XX/XXXX I noticed that there was a balance transfer pending for {$3000.00} from his account. I immediately contacted the bank and spoke with XXXX advising her to stop/block the action, as it was fraudulent. I explained that my son was in boot camp and had no access to any electronics or communication and with 100 % certainty know that he could not be making the transfer. I was advised by the bank that since it was only pending they were unable to do anything about it until it cleared and I was instructed to call back the next day. The following day I called the bank and they stated that a second transfer was now pending as well. They advise me to take the remaining money out of his account immediately so that the second transfer would fail. I went into the branch and spoke with a banker named XXXX in the XXXX, CA branch, she has been my point of contact since that first day. XXXX opened the account to see that someone had hacked in and changed his account verification phone number to a number in Illinois and they changed his security questions as well. XXXX began the process of opening him a new account and went on to say that they would get the issue submitted to get the transaction reversed right away. 


Week after week I call in and speak with XXXX, she gives me false information and false promises that she never follows through with, including promises to get her manager involved to get the issue rectified, none of which she has ever done. I even had to call in for several weeks just to get her to complete the opening of my sons new bank account. XXXX makes the same excuses with each phone call and has recently stated that the XXXX department is having a difficult time because they have never seen anything like this before. We are now almost 7 months later and I still have had no resolve. 


My son worked very hard and saved every penny he earned prior to enlisting in the XXXX XXXX as he knew that as an XXXX he would earn such a small income and he wanted to have sufficient funds saved to live on. Now his money is gone and UMPQUA BANK has done nothing to retrieve it, to make matters even worse they actually charged him a fees for the transfers, they appear to not even care. I have heard that there are many others in my small community with similar types of poor customer service issues with Umpqua and more specifically the XXXX branch. 


I beseech your assistance in this matter that has now become one of  an urgent nature. 


Sincerely yours, XXXX XXXX
Product: Debt collection

Hello Please review my attachments. 

I received this documentation on the mail. Ive been living at this address for 4 years and never received any type of collection debts. Why? Because I have no outstanding debts or no late payments ( Credit scores XXXX plus score on all 3 bureaus.. ) on my credit reports. Again see my attachments. 

My credit history and financial worthiness in 2020 speaks volumes. In the past in my military years while married I did have debt dues, while trying to survive with no handouts and based on hard work dedication and focus. A no excuses mentality. Review my attachments and then let me know please.

Retired XXXX XXXX Long Time Viable Citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts and inquiries listed below were all opened fraudulently without my consent. 

Equifax XXXX XXXX XXXX {$710.00} Acct # XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Student loan

American Education Services ( AES ) was the original " gate '' loan provider in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was provided no option to decrease the payments due monthly so they sent the full loan to a debt collection agency without notifying me of what agency, so that I can start making payments. Instead in XX/XX/XXXX, I began receiving countless harassing calls from XXXX XXXX XXXX. 

I could only presume that this was the group that took over the collection of my payments, and so in turn emailed and called XXXX XXXX XXXX requesting to make payments via their online portal. Without this as proof of payment, I was making payments over the phone without any follow-up proof of payment provided. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX 's XXXX XXXX, stating that my account with them was in fact closed, and returned to AES. This same letter indicated that any mark on my credit score should be deleted from my credit report as I was unable to reach there company to make a payment. 

Since in receipt of this letter in XX/XX/XXXX, I have attempted to make repayments via AES, as indicated in the letter. However, I was not able to do so according to AES representatives and I was provided with no additional information. 

In the past 2 months, I have begun to get new robo-calls from 3 new groups, stating they are now the collectors of my payments of the original gate loans from AES. Those companies are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Again, I was never told this by AES, nor was I in receipt of any notice that my collection is now with these companies. I called AES today, XX/XX/XXXX, to get clarity and check on why my credit report indicates there is still an issue of delinquency. 

The employee noted that since XX/XX/XXXX, my loan was now in collection by XXXX XXXX XXXX  ( XXXX ). When I called this number on XX/XX/XXXX, it goes directly to voicemail to a company called XXXX XXXX XXXX XXXX. Online, this company is listed as yet another name -- XXXX XXXX XXXX. 

My complaint is against AES specifically for their mishandling of my gate loans, filing a severally damaging credit report, and the companies AES sends loans to for collection. 

To date, I have no clear indication of the company to which I should be making payments and no statement on the history of the loans -- including payments made over the phone to the original debt collection agency, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy 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 submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXX XXXX  XXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection  {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I settled a payment arrangement with One Main Financial service. On my credit file they are reporting late payments which is inappropriate, fraudulent and inaccurate. XXXX has been keeping the same information on my credit profile which is hindering my score. XXXX keeps stating the profile is updated but no changes has been made. They have already been fined for reporting inappropriate and inaccurate data. Please delete this account or update my payment history to ND or paid/ settlement because I have not been late on payments so I should not have a negative payment history on this account.
Product: Credit reporting or other personal consumer reports

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. 

I have supporting documents stating this COLLECTION WAS TRANSFERRED TO XXXX XXXX XXXX XXXX XXXX XXXX DELETED THIS COLLECTION OFF MY REPORT. HOWEVER, IT STILL SHOWS XXXX XXXXXXXX ON MY CREDIT REPORT. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX , There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Checking or savings account

XX/XX/XXXX I transferred {$1000.00} from Marcus by Goldman Sachs to my new XXXX account. This money was transferred without issue and was never recalled. on XX/XX/XXXX, I transferred {$100000.00} from Marcus to XXXX. On XX/XX/XXXX, Marcus recalled {$100000.00}, and because XXXX was forced to remove me from my positions, I lost over {$1700.00}. When I called Marcus to inquire what happened, I was told that I was not allowed to transfer to XXXX, which is why it was recalled when I pushed back and stated that my original deposit went through without issue. I was then told it was because Marcus thought it was a fraud, so it was recalled. I asked why didn't anyone contact me to verify I was told that it was reviewed early in the morning and they don't make notifications at that point. A day later, they froze my account, and it caused me to incur additional fees from a bill auto payment. Numerous Marcus employees, including supervisors, told me it was a mistake on their end and that I should be reimbursed. My request for reimbursement has been denied twice and still without explanation as to why.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has knowingly and willingly committed fraud. This is a 3rd party debt collector and has been harassing me, and trying to collect an alleged debt from me. They are in Violation of the FDCPA, and It is my right to give notice and right this unjust enrichment, as this is the first step in due process of law. I was once an unsophisticated consumer and have allowed this third party debt collector named MIDLAND CREDIT MANAGEMENT To commit fraud and coerce me to make payments toward an alleged debt. MIDLAND CREDIT MANAGEMENT has no right, and does not have any contracts with me that will lawfully allow them to contact me, or allow them to collect any debt. This debt does not belong to me and has not been validated with sufficient documentation. Notice of liability, Request for debt validation, and last but not least a Notice of claim has now been sent. MIDLAND CREDIT MANAGEMENT has continued to violate my civil and constitutional rights, along with federal law. 
It is unlawful and a violation of not only the constitution, but also the Fair Debt Collection Practices act to collect on charged off accounts. MIDLAND is liable for damages
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint in re : XXXX XXXX  auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX  with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.