23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank bank chooses to continue to use an automated system and ignore my inquiries. Citibank continues to break law. 

Citibank took over Costco XXXX when a dispute was in process. Citibank chooses to ignore it. 

Month 0 - late charges disputed with Citibank 's first bill to me. I let them know that I received the bill but not the cards. Citibank initially " responded '' to me, but called me by another name and asked for information they had access to with basic customer service skills. I reiterated who am I, and they continued, for months to deliberately refer to me by another name. However, I stopped receiving bills. It seemed like all was well and the account was closed as requested. 

Month 3 - a Collections Agency contacted me by mail claiming I owed the amount originally disputed. 
Immediately requested validation of debt and they did not validate. 

Contacted BBB, but nothing came from that. 
Contacted Citibank online, and once again they continued to refer to me by another name. 
Counsel advised and provided cases to demonstrate that Citibank likes to wait until a lawsuit before attempting to provide service. 

Contrary to law, Citibank continues to charge interest and fees related to the disputed amount. 
Summary of some details : 1 ) Citibank continued to charge fees on invalid amount 2 ) Citibank constantly referred to me as another person 3 ) Citibank refused to provide simple customer service 4 ) Citibank attempted to delay by asking for information they already had and were provided 5 ) Citibank never sent cards in question even when I made them aware of the situation at the time of initial dispute 6 ) Citibank sent statements claiming validation of debt which they know is not true. 
7 ) Citibank chose to ignore fundamental requests when they could have analyzed the situation 8 ) Citibank chooses to apply undue XXXX 9 ) Citibank chooses to ignore their own copy of statements showing that at some point after the dispute a valid purchase charge did occur, which the customer was not aware of. They could have and still can argue that they could apply fees on that amount. However, they have not, because due to in house procedures, they are awaiting a lawsuit against them prior to making any actual analysis of the account in question. 

Counsel has made it clear that as a business, Citibank must do what they can to yield returns for stockholders. This includes defrauding customers and abusing the system. They are so large that the bad word of mouth and negative publicity and small XXXX dollar fines fail to impact their business model. 

I am interested in what Citibank deems a fair business settlement with me at this point. Citibank has clearly broken numerous laws that the CFPB can cite. The customer is now aware of charges that could occur interest, but have no bearing on the original dispute or the laws Citibank continues to break or stress Citibank continues to instill. The miniscule charges Citibank could lay valid claim to pale in comparison the clear claims I hold against them in small claims court, let alone beyond.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

I tried to contact the bank several times, with the wait time being 120 minutes then when you do get through to an agent they hang up on you. I tried reaching out through the website but you only get a bot. 

Thank you.
Product: Debt collection

I have an outstanding judgement for a credit card debt from XXXX XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch|Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesnt actually exist. I contacted the court and XXXX. The court just has Couch|Lambert and XXXX no longer has the debt on their books. This started in XXXX XXXX XXXX I have been trying to contact Couch|Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that National Recovery Agency comply with the CFBP executive order & remove both alleged medical debts from my consumer report immediately. Failure to comply with the following demand may result in legal action pursuant to 15 USC 1692k due to non-compliance.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I contacted the debt collector by mail. But his attorney still harassing me. That if I don't answer they will be taking everything from me without having my real name. They have beng sending me mail under another name similar as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date OpenedXXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to BMW Financial about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that BMW Financial Services has wrongfully accused me of. According to the XXXX XXXX XXXX a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that for something to be charged off a 1099c form has to be completed if the transaction is over {$600.00}. This means that you are furnishing this as an income, but you have listed this account as a chargeoff instead. I am demanding that you show proof of where you have removed this asset from your book as well as the 1099c proving that this debt has been charged off. It is alarming that even though this account is listed as a chargeoff is also listed as a collection. I'm curious to know if this account is removed from your asset book, how is it reporting still as delinquent? Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 1099c form proving that this debt has been charged off, I am demanding that you update this account to PAID AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XX/XX/XXXX XXXX Account # XXXX,XX/XX/XXXX Account # starting with XXXX,XX/XX/XXXXXXXX XXXX Account # starting with XXXX, XXXX Bank Account # starting with XXXX,XX/XX/XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in 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 an account without my written instructions.
Product: Checking or savings account

On XXXX XXXX XXXX, I opened a tab at XXXX XXXX in XXXX XXXX, i made two purchases there each for about XXXX dollars prior and closed each one immediatly. I was found by security before the end of the night outside unconsciouse in which they were able to reach my mom via my phone and tell her they found me and gave her my location. According to my mom they did not stay by my side and she found me on dark street with all busineses closed. I woke the next day to find a msg from my bank advising that a charge of XXXX} was made at XXXX XXXX. I did not purchuse or authorise anyone to open or order drinks or items on my card. Especially for that amount. I tried contacting vendor at which i got a answering machine, i left vm. I also contacted bank of america immediatly. I live out of state, and needed to leave California, and since had left situation in hands of my bank. I have not heard from my bank regarding this issue up intil today when i saw that vendor charge was there again. I do not authorize and would like to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im financing a car through king of credit and its not showing up on my credit like it was before with all my perfect on time payments on it I just want it to get updated back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX TransUnion, XXXX  and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made, USDOE/XXXX  is reporting my payment status " Late 120 days '' for TransUnion and XXXX  and " Late 180 days '' for XXXX  but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

his is a XXXX XXXX! Passing off the problem to the new servicing agent does not fix the XXXX incorrect reporting. The issue is during when XXXX was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. As per the COVID-19 Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on XXXX-held student loans and certain non-XXXX-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. XXXX-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived. A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My XXXXt student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX. And hard inquiries that include : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against TransUnion LLC for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX ( a ) ( 1 ) ( A ). 

30 days prior to XXXX XXXX date of XXXX, I submitted a formal dispute to TransUnion regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making TransUnion non-compliant with federal law. 

Violations Committed by TransUnion : FCRA 15 U.S.C. XXXX ( a ) ( 1 ) ( A ) Failure to Investigate Within 30 Days TransUnion has failed to complete its investigation within the legally required 30-day period. 
FCRA 15 U.S.C. XXXX ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law. 
FCRA 15 U.S.C. XXXX & XXXX Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action. 
FCRA 15 U.S.C. XXXX ( f ) Unauthorized Hard Inquiries If TransUnion fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. XXXX and XXXX. 

I request an urgent review of this matter and expect a formal response within 15 days, as required for CFPB complaints. 

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

XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that resulted in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted immediately : Fraudulent Accounts : 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 reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
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 name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 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 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: Debt collection

I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$890.00} on XX/XX/2021. I have no idea where this financing came from.
Product: Credit card or prepaid card

Im having trouble with Capital One credit card. I made a payment on XX/XX/XXXX. I check my account each day, On the XXXX my account showed an error message. Ive called technical support many times, on 3 occasions they outright lied saying my account would be back online in 72 hours. They then demanded a picture of my drivers license ( front and back ) along with a note telling them to update my account with that information. This shouldnt have been necessary as none of my information changed since opening the account. Since my online access has been denied to me, I tried to pay my bill through customer service since my online account is scrambled. It turned out that my account was so screwed up that not even their own customer service could not process a payment. I have never missed a payment, and have excellent credit scores. This problem threatens my credit score since I cant pay my bill which is due on the XXXX of XXXX. All I get are lies from them and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report and credit profile and was denied even after providing correct answers to all questions. 

Please send my Credit Report and Credit Profile.