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

Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX
Product: Debt collection

ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.
Product: Debt collection

I am getting repeated calls on my cell phone from this company, often times multiple times per day. The calls began onXX/XX/XXXX and have not ceased. They leave no voicemail or ever ask me to call back. They have now begun harassing a landline number that where I used to reside but no longer do. They have engaged in notifying the people at this landline the reason for their call and the amount of debt they are attempting to recover. They began calling the landline as of XX/XX/XXXX and even when being told that the person they are looking for does not reside at this location, they continue to call on a daily basis. As of XX/XX/XXXX, they have now proceeded to harass my father on his cell phone and have called him two times. They have proceeded to notify my father of the reason for the call and the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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: Checking or savings account

I've recently become my mother 's permanent legal guardian. The XXXX XXXX she is in needs 6 months of bank statements to submit to XXXX. The bank is in Massachusetts and I'm in florida where the closest branch is 3 hours away. Customer service told me to send the branch, where my mother opened her account, the court papers and my photo ID, which I did. Every time I call the bank, they're short on staff, helping other customers, the branch manager is in a meeting, call back in 20 minutes, we'll call you back in an hour, the branch manager will call you back when she gets a chance, etc. I've been getting the run around for over a month while trying to get my mother established in a XXXX XXXX for XXXX XXXX XXXX in to of working over 40 hours per week and take care of my family in Florida XXXX Please help me get access to my mother 's account.
Product: Credit reporting or other personal consumer reports

Hard inquiry reports Flagship credit acceptance- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for flagship credit acceptance from XXXX XXXX XXXX. Which knocked my credit score down. 

XXXX I have know idea who this company is or why its on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process
Product: Mortgage

Servicing of my mortgage was transferred from CashCall to XXXX. Despite this transfer having taken place and my CashCall account reflecting a XXXX balance, CashCall auto drafted a mortgage payment ( in the amount of XXXX ) from my checking account on XX/XX/2019. Subsequently, XXXX, the rightful servicer, properly auto drafted a mortgage payment from my checking account on XX/XX/2019. When I called CashCall, they informed me they had no record of them having taken a payment on XX/XX/2019 and that it would be several days before they could verify and potentially issue me a refund, putting me at risk of overdrafting my checking account. I subsequently requested my bank, XXXX, to reverse the CashCall auto draft. This requires me to go through a lengthy claims process with XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I ordered an air conditioner from XXXX for {$470.00}. It was marked delivered on XX/XX/2023. It was not delivered to my house, it was shipped through XXXX  and the photo they uploaded was not my house. After contacting XXXX they told me I would need to dispute this charge with my credit card company. I have been disputing this charge since, for a total of 5 months, over and over. XXXX sends them a " proof of delivery '' which has NO details attached to it whatsoever, and they then close the dispute in XXXX favor. I have provided multiple times, pictures of my house in person ( including the house number ON THE HOUSE ), along with screenshots of my house on XXXX  services like XXXX maps, and in comparison the delivery photo attached to the XXXX  tracking number showing a different house. American Express has continuously refused to look at the proof I have provided, and has continuously closed this dispute in XXXX favor citing that they have provided " supporting documents '' but only showing the same " proof of delivery '' page which shows nothing but simple text saying the item was delivered to the property address ( it wasnt ). 


I have submitted a complaint against the company already and they did NOT resolve the issue, they did nothing other than provide the same INCORRECT information they have been providing to me this entire time. If this complaint can not be resolved this time, I will have no other choice than to take this to court. I will NOT be paying for an item that was not delivered to me.
Product: Credit reporting or other personal consumer reports

Starting in XXXX i have sent several dispute letters to Transunion with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per transunion the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$60.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX  have removed the erroneous information from my credit report however XXXX  has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. 

XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking #  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 my XXXX XXXX account had a report of a collectors report, that severely dropped my credit score. It states that on XX/XX/2020 my XXXX account ( that Ive had for 5 years ) reported new to Southwest creditors  to collect {$45.00} from me. Ive never received any documents neither from XXXX, nor from Southwest Creditors  regarding this debt, and my account is on autopay with XXXX and is in good standing, working without a problem. 
I went to XXXX office, who looked at the history of my account with them and reassured me I owe them nothing, my account works fine and I dont have any outstanding past or current bills and that my account has and had no problems. 
So I call this southwest creditors to find out more about the debt they claim I have. They use my wrong last name, say that I used to have an account with XX/XX/XXXXXX/XX/XXXXfor which I owe money, but tell me about my current XX/XX/XXXX account that I was told by XXXX has and had no problems. Southwest debt collectors fail to justify any information about the debt they say I have! They also never ever contacted me prior to dropping my credit score severely. This whole situation makes no sense and I feel like Southwest creditors commit fraud by accusing me to owe money to XX/XX/XXXX that I have to pay to them, yet XXXX has no knowledge of such bills that I failed to pay. Please help me in this highly unpleasant situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$940.00} {$0.00} {$940.00} Credit Limit : {$600.00} {$600.00} {$0.00} Past Due : {$940.00} {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act TRANSUNION, XXXX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ( 6 ) accounts same number Dept of Education XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX Transunion Inquiries : Date XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan on XX/XX/year>, with the company uprova they send me a message I was approved for a loan in they're website they announce they are a traditional loan company. They never announce they where tribal loans. They redirected me to they're page with out showing me a fee and charge. Paperwork only say accepted I made the mistake which I acknowledge to press yes it directed me to page loan already approved but with a finance charge of 430 percent. I have no bad credit my credit is moderate XXXX XXXX XXXX I made a bad decision can u please help I have me 1 payment of XXXX XXXX XXXX XXXX going to principal. They lied to me
Product: Debt collection

In XXXX I received a notification from my bank that my credit score had gone down. I noticed that I had a collections notice from AMSHER COLLECTION SERV for {$5500.00} from XXXX XXXX XXXX. Another appeared from XXXX XXXX XXXX XXXX for {$180.00} from XXXX. I have never had either of these types of accounts and believe they were opened fraudulently in my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband and I went to the Bank of America at XXXX XXXX XXXX to deposit our check we received from the IRS in the mail for {$19000.00} we were told that if we deposited the check we would have to wait until the XX/XX/XXXX for the to be available but there is a chance of some of the money being available to us the next day but there were not sure until they put the check through and it will let us know, so the teller put the check through and the system stated there would be a hold until XX/XX/XXXX and {$5500.00} would be available the next day. My husband did not understand why we could not get all of our money as we have always done in the past years with Bank of America, and no one could explain other than it's per banking branch what they choose to do, so we decided to take our check and see if we could get it cashed somewhere else but was not successful. We decided to bring the check back to Bank of America but this time at the XXXX XXXX XXXX  location on XX/XX/XXXX, as get to the teller to deposit the check the manager insisted, I needed to have an account with Bank of America to cash the check for which every year in the past I never needed an account to cash our check from the IRS with my husband because he had an account, so I was forced to open account at this branch before we could deposit the check after my account was opened the Bank Represented told my husband he was having problems depositing the check on is system because of the amount and he could deposit the check on his phone, so he did. The next day my husband received a message from Bank of America stating the check is on due to fraudulent reason they have reasons to believe the check will be returned and his account was being closed by Risk Account Closure. We went back to the Bank at XXXX XXXX XXXX looking for an explanation on XX/XX/XXXX and spoke with the bank Manager on duty and provided proof of the check being mailed to us from the IRS ( copy of the check in the envelope being mailed from the post office ) He called customer service to ask what the reason regarding a fraudulent check because we are sitting in front of him showing the IRS mailed us the check after an hour of waiting he just said he doesn't know why they are stating this or why the account is being closed, then we asked what will happen after they finish their investigation and he stated " well after the investigation they would close the account then send you a check from Bank of America for which they would send to you express mail in three days. We left and have been waiting ever since that day, we have heard nothing from them regarding our check from the IRS and everyone we speak to in the customer service department or risk account department can give us no answers.