23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Citizens Bank Credit Card online with the publicly advertisement of getting 10 % cash back on the first XXXX spent and an unlimited 5 % cash back on grocery and drug store purchases for the first 90 days. When I received the actual card in the mail, the rewards structure was different. The rewards structure was 1.5 % of all purchases. I sorely disappointed because what I signed up for and what I received was XXXX different products. It seems that I was baited and switched when I signed up for the credit card. I have a screen shot of the offer I was led to believe I was receiving by signing up for the credit card. I alway take a screen capture of the advertisement because sometimes I 'm skeptical and want to have proof of what I signed up for.
Product: Debt collection

On XX/XX/XXXX my vehicle was in an accident, I was nowhere near the accident. I had just given XXXX a week before the accident. I was transferred in an ambulance to a hospital that had the equipment to help my XXXX. The hospital is an hour and a half away and I was there for three weeks with my XXXX son. The person driving went through court dates, he is now in prison. I got numerous letters from the company trying to come after me for the money. They sent me letters saying they were going to take legal action if I do not make the payment in full ( XXXX XXXX ), then I got a letter stating that my license plates were going to be suspended if I do not pay. I told them the one responsible for the accident has everything on his case. They said that since hes in XXXX  and cant pay then I have to. They stated that in  Wisconsin both the owner and the person behind the wheel at the time are both equally responsible. I accepted that, I tried working with the company ( Paragon Subrogation ). I gave them a down payment of {$400.00} and started the paperwork. The lady said she was going to mail me the installment agreement so I could have it notarized and that it would arrive Monday. Nothing came in the mail, I called back and told them I had not received the paperwork. The same lady said that she had not sent them out yet, that she was waiting for them to finish the installment loan agreement. During that same phone call she said its ready and that she was going to email it to me at that moment, she stated that it would be in my email within an hour. I kept checking my email during work and I received nothing. To this day I have not received the installment loan agreement and my license plates are now suspended. Im sick and tired of going in circles with this company. I need my vehicle for work and to take my son to his appointments. I work for a company that requires some traveling and if I loose my job then I wont have any money. What really gets me is that after I gave the down payment and they said they finished the installment loan agreement ( which I have not received ). They are threatening the driver, his sister, and his mother after I made the down payment and started the paperwork. They went out and contacted them through email, our question is how did they get their information? His sister lives in a totally different state and theyre going after her for {$18000.00}. We did our research and found out there are other cases exactly like ours that have complained and nothing has been done and none have been resolved. 
If they have the drivers case information and are already going after him for the money. Then why continue to harass me and threaten me for the {$18000.00}?
Product: Debt collection

Hello, This has been an ongoing issue since XXXX XXXX. In late XXXX of XXXX, I called Capital One to advise my payment would be late, I also asked at that time if the late fee could be waved as a courtesy. The rep I spoke with said yes it would be, and to call back when my payment had posted. I made the payment on XXXX XXXX. I called back and was basically given the run around. At this time it was {$23.00}. Instead of complying with the customer, and just giving me the credit, I had the unpleasant misfortune of speaking to a few gentleman, that were very rude. With the exception of the first rep I spoke with. 
Endless calls, being transferred to this department or that department etc etc. Over at that time {$23.00}. This has now escalated to them demanding {$100.00}!! I paid XXXX payment on time as well as XXXX. Before the due date of the XXXX. I firmly believe this is unfair business practice. Now the endless calls have started. 
I am so done with this. I am a senior citizen with 2 XXXX XXXX. Stress from this issue is not helping matters. If they had done what they said they would do, which was to credit that one late fee, this would not be happening. I 'm very upset about this. 
This is my second attempt to get resolution in this matter. My account right now should be current with the exception of owing my next payment which is due XXXX Extremely frustrated and stressed over this. All this for a late fee that they said they would credit me for.
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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 4 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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 card

I applied for a US Bank Business Leverage card, which was approved on XX/XX/year>. Recently, I attempted to use the card for a cash advance but the transaction was declined. I contacted customer service through webchat, and the agent indicated that they had activated the feature for me. However, subsequent attempts to obtain cash were also unsuccessful. Upon further inquiry with customer service, I was informed that the cash advance feature is not available on my account due to its age of less than XXXX months. 

This critical information was not disclosed on their credit card page or during the application process. The cash advance feature is essential for sustaining my business operations, and had I been aware of its limitation, I would not have pursued this card. As a loyal customer of US Bank, I feel misled by this omission of information, which I perceive as deceptive practice. I am seeking a resolution to this matter. 

The statement from US Bank 's Business Leverage card information page regarding cash advances gave a false impression that the cash advance feature would be included with the card : XXXX variable XXXX for Cash Advances is XXXX  %. XXXX XXXX fee : XXXX  % of each advance amount, {$10.00} minimum. '
Product: Payday loan, title loan, personal loan, or advance loan

I did a double deferment on XX/XX/XXXX since I had went to XXXX XXXX and I am a temp employee I do not get paid. They had an option for me to pay XXXX to do the double deferment. I was then told I would be caught up and would not have to make another payment til XX/XX/XXXX. We'll they never did the double deferment like I was told and slapped another late fee on and more interest. I called again last week and was told oh it's because they didn't take off the late fee. She said she fixed it. It still isn't fixed. This is the XXXX time since I have had this loan this happened. They need to fix this or I will seek legal action. They have hurt me with so much interest already. I need help I am super sick and this stress isn't helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just noticed that there is unauthorized information in my name being used on my credit reports & would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and they are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's identity theft affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

XXXX - XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I sent a certified letter to Wakefield & Associates on XX/XX/2019 requesting that they validate this debt ( provide a document with my signature on it that proves this debt belongs to me which ALL hospitals and doctor 's office require signature prior to providing medical services. I received a one page document that provides no proof at all only the original creditor and the balance owing. In addition, it states that services were provided in Arizona. I have never lived in Arizona so how could I obtain medical services from which I have never lived?
Product: Debt collection

Dear [ Collection Agency Representative ], I am writing to request validation of the debt you are attempting to collect from me. I received a notice from 3 your agency on [ XX/XX/2025 ] stating that I owe [ Insert Amount ] on account number [ Insert Account Number? Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 1
5 U.S.C. 1692g, I am requesting that you provide me with the following information to validate debt : IS 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights.

Please note that I am not admitting to owing this de ' and am only seeking validation of the debt as requing by law. 
+ Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Balance : {$360.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.
Product: Credit reporting or other personal consumer reports

The account is currently reporting past due amount and missed recent payment. The account is up to date and paid up 2x in XXXX. Prior I was unable to access the account and creditor never replied for access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title.

The following inquiries were not initiated by me and are a result of identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft someone use my identity to create these accounts on my credit profile I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ccuracy elevane. and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Account name : XXXX Account XXXX : XXXX
Product: Debt collection

Portfolio Recovery continues to contact me. They do not leave a message. I was involved with a class action suit with Portfolio Recovery that was settled a few months ago. I have filed a complaint against this company a few months ago and the calls have increased and they call from different numbers in different states. This harassment needs to stop. I do not owe this company any money. My last complaint was also for them pulling my credit without my authorization.
Product: Debt collection

Im seeing this collections account on my consumer credit report. Im unaware of this debt and the entity from which it originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information for the complaint with EXPERIAN. I have attached a screenshot of EXPERIAN stating that they are not able to provide me access to my consumer report electronically. Pursuant to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681h ( b ) ( 1 ) ( B ) ( i ) I have a right to receive my consumer report according to my specified written instructions. I have specified in writing to EXPERIAN to provide me access to my consumer report electronically. By denying me access to my consumer report electronically it violates my right to receive my consumer report the best way for me. I am requesting a direct electronic link from EXPERIAN to receive my consumer report electronically. Thank you.
Product: Checking or savings account

Account was opened by fraud. 
I got the new debit card from card.com in my mail on XXXX XX/XX/2022. 
Debit card was issued in collaboration with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Accordance in with the Fair Credit Reporting Act below are accounts that have been violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX consumer report has misspelled names witch are innaccurate and different open dates witch are also innaccurate 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 consent or instructions to 15 u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 7 years. 

15 u.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relationg to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information. 


Accounts have wrong reporting dates on consumer report Also i ask any inquires be removed that are past the last 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and Experian credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
Product: Credit card

Noted on Citi Credit card statement that amount due for payment was {$3800.00}. 

Spend/purchases for the billing period was {$3200.00} I Paid {$2500.00} before due date However CIti calculated interest ( {$80.00} ) based upon total total spent of $ XXXX@ 28.24 % APR for the 32 days billing period and not on the outstanding balance of of approximately {$1300.00} after payments were made. 

When questioned, Citi indicated that because the statement balance was not paid in full the interest was applied. 

I would expect the interest to be applied to the outstanding balance and not the full purchases for the billing period. 

I consider this illegal/criminal and unfair, and not consistent with accounting/financial principles. 

I complained to CITI and further indicated that i will be making a complaint to the Consumer Financial Protection Bureau. 

Citi response also that this method of calculating interest was their standard practice and also the practice across the credit card industry. 

I would like for the CFPB to intervene in this matter and if standard practice across the credit card industry to make changes to enforce that interest be calculated on outstanding balance after due date and not on the purchases during the billing period if the statement is not paid in full. 

Also I would like for Citi to refund me the difference between interest charged on spend during period and that of balance outstanding after credit card payment has been made. 

Anticipating your soonest acknowledgement of receipt of this communication and your feedback.
Product: Credit reporting

I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate and outdated information I have asked them several times if they could remove or update the information. 

XX/XX/year> XX/XX/year> XX/XX/year> {$20000.00} {$13000.00} {$20000.00} Information is inconsistent and inaccurate across all three credit bureau 's once again violating my rights per the FCRA.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed a number of accounts that I do not recognize. The accounts are XXXX XXXX XXXX account number XXXX and account number XXXX, XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX and account number XXXX.
Product: Debt collection

I rented a apartment at XXXX XXXX XXXX XXXX It was unit # XXXX. Upon repeated harassment from tenants below us I decided to move after the women who lived there tried to force their way into my unit. I called management repeatedly and was told it is a personal matter. After I felt unsafe I left on XXXX fearing for mine and my daughter safety. On XXXX this debt was turned over to XXXX XXXX collection agency. My rent was paid until XXXX my lease was up XXXX. This collection agency contacted me on XXXX demanding I take care of the debt. I pointed out a few major issues. 
1 ) my rent was paid until XXXX how can I owe for non payment I have the transaction on my bank statement. 
2 ) my lease was up XXXX yet you say I owe you 24 days but my rent was paid until XXXX. 
3 ) the carpet damage is on the walk through report and was badly damaged and frayed when I moved in I was there 8 mos.

4 ) I never received any information or itemized bill from anyone yet you are trying to collect a debt. 
5 ) this building is a non smoking building but I was constantly having XXXX smoke blown into my unit by down stairs through balcony door and through vent in the bathroom. 
6 ) in there own lease it says prohibited activity is threatening behavior the disturbs the safety of others. I'm XXXX and XXXX these women tried to force their way into my unit. 
I called the management office several times telling them about repeatedly being bullied and harassed and XXXX told me is was a personal matter.