23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Reported companies and affiliates Equifax, XXXX XXXX XXXX  XXXX  al are in possession of my stolen credit card ( social security ) 15 usc 1602, absent knowledge, consent or agreement. 15 usc 1692c ; 15 usc 6802. Companies refuse to cease and desist usage of identified theft accounts which I have identified in the attached identity theft report. 15 usc 1681 c-2, 4 day block. I have demanded block of usage of these identity theft accounts
Product: Debt collection

I have asked this collection company not to call my cell phone on an auto-dialer and they continue several times a day. I 've asked for a validation notice to be sent to my address. On XXXX/XXXX/16, I requested the representative remove my cell phone from the dialer ( 2nd request ) and send me a validation letter. She confirmed my address and told me the system would generate a letter. I agreed to mail in my payments ( due to the exorbitant credit card fee they quoted for phone payments ). 

Today I received the 30+ call from the dialer on my cell phone with a rude woman who first basically called me a liar because she refused to check the notes then refused to send me a validation notice. She told me my option was to set up secured payment. 

XXXX XXXX XXXX can not confirm this company represents them or is trying to collect on my debt. 

At this point I request a cease and desist from this collection company and will only deal with XXXX XXXX directly. I want confirmation this is documented on my account and there will be no more calls. 

This company is why collection agencies get a bad name.
Product: Mortgage

Bank of America claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.
Product: Debt collection

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : The attached photos are proof of failure to adhere to FCRA law. Credited reporting for XX/XX/XXXX before request to dispute began signed for XX/XX/XXXX and XX/XX/XXXX 39 days after dispute process began no mark of dispute.
Product: Debt collection

Identity theft, the account that was open, was not opened by me and I did not give anyone permission.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX failed to review my previous claims directly. I demand that someone else review my file. This is my final warning. If my claims are closed again I will take it as a firm message from your company you do not see any errors on your part and have no problem if i seek litigation on any errors discovered moving forward. As stated in my last complaint : ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : 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: Credit card or prepaid card

I was traveling through to a natural disaster. My check card went missing but because I had access to a credit builder account I was simply transferring money as needed to my credit builder prepaid account and suspended transactions for my other account until I could get back home and safely retrieve my mail. In the middle of the natural disaster when I needed access to my money the most with full knowledge that my government benefits are deposited onto the card this provider close the card without any notice penalizing me because someone took my check card. I had already called in and emailed SUPPORT there was no reason to close the account and leave me with no way to get government benefits necessary to survive a natural disaster
Product: Credit card or prepaid card

On XX/XX/2022, I contacted CitiBank and spoke with a supervisor named XXXX to dispute XXXX XXXX XXXX  and interest charges associated with XXXX charges to the account. Citibank never disclosed in their cardmember service agreement that XXXX charges would be treated as a cash advance and hence incur a fee on each such transaction, subject to higher interest rates, and have interest calculated from the date of purchase without any grace period. None of the XXXX transactions are cash advances. Citis decision to not disclose XXXX transactions as cash advances to the cardmember is a self-serving choice to derive fee and interest income at the expense of its credit card consumers who use their Citi consumer credit card to fund mobile payment app transactions. The supervisor refused to provide assistance and hung up the phone.
Product: Credit card or prepaid card

I keep getting calls all day long from XXXX, I have all my messages on " send '', but when they were leaving messages it was the following : " Customer Service is Busy but if you could please just take a few minutes to log in at XXXX forward slash City XXXX XXXX XXXX XXXX XXXX. To review your account status it would be appreciated. If you would prefer to call us please feel free to visit as always great to get a chance to speak with one of our valued clients. Our toll free number is XXXX. Once again thanks for being a valued City Bank customer. '' ( I copied this off the internet when I plugged their phone number into XXXX ) # # # I have investigated this number on the internet and people are saying it is City Bank trying to collect on a XXXX credit card, they say it is fraud, I do not have a XXXX credit card. I do have a Citibank card and contacted them and they said they would look into it, but so far, I am still receiving calls, I am in good standing with Citibank. I do not want to call the number given as I do not want to be involved in this. I sent a notice to the XXXX as well, hopefully you can do something, I also received a text from them " Citi Payment reminder : visit www.citi.com/XXXX or call XXXX to make a payment on your XXXX Account, to opt out of all texts reply " stop ''. I did not respond. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX EXPERIAN AND XXXX # XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Checking or savings account

Good Day! 
My name is XXXX XXXX and I opened a Citi checking account on XX/XX/XXXX as it was advertised - to put {$50000.00} and maintain a minimum balance of {$50000.00} for 60 consecutive calendar days - Which I did, but it is more then a 100 days since then and I didn't receive a {$700.00} bonus which was promised to be deposited in my account within 90 days ( it's already more then 100 days passed ). 
I contacted citi bank a couple of times and was told that they will look into it, but as of today XXXX, XXXX, XXXX the bonus was not paid to me. 

Please see attached 3 documents for your reference : 1. The actual offer 2. Citi bank email enrollment confirmation 3. Citi bank account details as of XX/XX/XXXX I would really appreciate your help in resolving this matter. 
Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROLor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that XXXX  never once informed them that their information on my CR had been reported as resulting from identity theft. 

XXXX has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT CAINE WEINER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAINE WEINER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Credit card or prepaid card

On XX/XX/2022 I received two separate emails from Bank of America : 1. ) requesting to validate my email address and 2. ) and another subsequently indicating the credit card application had been approved. At this time, I disregarded the emails considering it spam and placed in my email Trash to discard and thought nothing else of it. 

On XXXX XXXX, XXXX I received an email from my XXXX XXXX through my banking entity detecting a change on my credit file as there had been a new inquiry request by Bank of America for one of the 3 credit bureaus to complete a credit check. I immediately called my XXXX XXXX entity to notify them of the unauthorized fraudulent activity. The necessary information was taken to forward to an investigator to return my call within 48 hrs. 

On XX/XX/2022 a text message was received from Bank of America congratulating me on the credit card, it was approved and that the card is on the way. This was received at XXXX from text code XXXX. It is attached, I had to forward the text to my email. The night of XX/XX/2022 around XXXX I received another email indicating the card is on the way, last 4 digits of the card # assigned and included my name and address information on this correspondence, and the card should arrive within 5-7 days. There was no credit limit noted on either email. 

Now I'm very upset and wondering what's going on as I had not submitted a credit card application to Bank of America in any form or fashion. I don't bank or conduct any business with Bank of America and I'm perfectly happy with the banking entity I use at this time. This activity was not authorized by me. 

On XXXX XXXX, XXXX I went to a local Bank of America and spoke with a Service Rep/Account Specialist verifying my identity, explaining the fraudulent acts that had occurred and disputing the request for this card as I was not aware of this activity until I began receiving correspondence on XXXX XXXX. The Service Rep/Account Specialist was helpful in speaking with their Fraud Dept. and I also spoke with the Rep in the Fraud Dept for 20-30mins. She indicated they would lock the card, the account will be blocked and closed. If the card is received destroy it. The Rep also indicated I would receive a Fraud statement/report in the mail w/i 10 days. They will also be in contact with Credit Bureau. 

On XXXX XXXX I received a call from an investigator with Fraud Restoration taking the necessary steps to protect my identity and to deter any future unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I co-signed on a credit application with my daughter because her credit was terrible & she badly needed new tires. She has XXXX young children & needs her car to be in safe driving order. 
In approx. XX/XX/XXXX, XXXX XXXX / XXXX CAR CARE began reporting a credit card account with it to the 3 credit bureaus as having a late payment status in the amount of {$20.00}. Prior to that, in approx. XX/XX/XXXX, my daughter called the phone # on the credit card issued by Synchrony/XXXX & asked for the pay-off balance due. She gave the customer service rep her checking acct routing & account # with her bank & paid the pay-off amount in full over the phone during that conversation. 
My husband died last year, my mother has profound XXXX XXXX, & during the period in question I was not checking my credit score because I was involved with other more urgent personal issues & my credit score was not an issue with me. 
Eventually, I discovered that my score had gone down significantly. The only negative entry is from Synchrony/XXXX. My daughter called again & complained, two different times, but apparently they did not relent or admit that this is their error. If they did agree that they were in the wrong, they continue to report a late payment on my credit report. It grows at $ XXXX/month so has gone from {$20.00} to {$30.00}. 
We do not want to pay the {$30.00} that has since developed from the original {$20.00}, because this amounts to highway robbery! The company ought to have known the full pay-off amount when my daughter requested & paid it, there should not have been any straggler amount for the loan period or whatever their excuse is. I assume millions or hundreds of thousands of borrowers get trapped in the same inexcusable scenario. If we did pay it off, then the credit bureaus would take that as an admission that we were in the wrong & did indeed pay late, which is also unacceptable. 
I also do not understand why the 3 credit bureaus take a {$20.00} allegation & inflate it & treat it as though it were equivalent to an allegation that I had not paid {$20000.00} on time. 
I finally found time recently to dispute this matter with all 3 credit bureaus. I happened to learn recently that CFPB also handles this kind of issue, possibly more promptly & effectively. ( I LOVE CFPB and XXXX XXXX for pushing to get it started. ) So, please advise whether you can assist me!! Thank you!