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

Sent previous complaint via CFPB ( case XXXX ). Received reply from Citi declining fulfillment of bonus offer. 

Citi 's position is that I did not add offer to my account prior to using the card to pay the merchant. Their words, " our records reflect the offer was not enrolled or added to your account in XX/XX/2021. '' See the attached screenshots : " solicited offer terms and conditions.png '' shows terms and conditions for Double cash card ending in XXXX, valid for the period in question. 

" solicited offer terms and conditions file description '' shows screenshot taken on XXXX XX/XX/2021. Offer was added to my card on XXXX XXXX, long before I spent money at merchant on XXXX XXXX. 

" solicited offers XXXX '' shows offer valid in their portal at end of XXXX. Showing that I did in fact have the offer throughout the majority of the month. 

I am not alone in having trouble with Citi meeting their end of the merchant offers. XXXX website is rife with cardholders having issues with Citi.
Product: Debt collection

There is a debt on all 3 of my credit reports. I seen this on XX/XX/XXXX that it was reported on XX/XX/XXXX in the amount of {$850.00}. Account number is XXXX. 
I was not aware of this debt first. Never received anything from the collection company nor the original debtor. Also, I do not know or have any ties to this collection agency. Another thing, I was never seen at the original organization that this debt is claiming to be. By law, you can't report any debt without notifying the consumer first. This is also a HIPAA violation by medical law. Because I did not give the right to any collection agency to have my information disclosed. That is private and confidential information, anything pertaining to me is private and was not to be shared with a collection agency or any other agency. I have contacted my attorney regarding this collection agency who is trying to damage my credit illegally and against the original creditor for selling my information to them. When a person signs a HIPPA form, it's for this reason right here. And it has been violated by law.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

Account Information : Account Name : XXXX  Account Number : XXXX I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX balance. However, I have observed that your reporting indicates a balance of {$520.00}, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.
Product: Debt collection

This fraudulent rental information is attached to my XXXX account. I never lived at this address. At the time of this fraud I was not even living in the state of XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I XXXX XXXX filed an identity theft on two separate occasions, whereas my Sears Card was stolen and I also initiated an initial police report in XXXX, and another one in XXXX of XXXX. Citibank N.A. owned the account and still pressured me that they would not remove a negative tradeline until I at least made some type of financial settlement. Citibank N.A. through a third-party collection agency known as XXXX XXXX XXXX XXXX knew that through the Fair Credit Reporting Act that my credit report could be used as XXXX of my credit worthiness. Therefore, I had no choice but to pay a settlement that could not even be enforceable in Massachusetts courts. It has been eight months and Citibank N.A. is still posting this Sears account as Past Due {$3500.00}. The account was an identity theft claim and should be deleted permanently. This is a clear violation of my rights under the Fair Debt Collection Practices Act, and Citibank N.A. is in clear violation of their subscriber agreement with the credit reporting agencies. This accounts must be purged 100 % permanently!!!
Product: Credit reporting or other personal consumer reports

My credit score had been increasing over the year XXXX  as I paid off credit cards and my line of equity. I worked very hard and at the mid-XXXX  all my credit cards were clear AND by XX/XX/XXXXXXXX  I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX  was XXXX, which is in the excellent range. I checked every month and would see it go up a point or two. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with Experian, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from Experian, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from Experian, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the emerald city. 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS EXPERIAN WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH EXPERIAN, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXXXXXX Balance {$31000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit card or prepaid card

I recently applied for two US bank accounts one secured and the other unsecured. I was asked to verify my information and I even called from the number on my fraud report. The Fraud department asked for documentation of Front and back of drivers license front and back and Social Security card and a bank statement confirming my address. I complied and faxed the information to the proper department only to find out that my application was declined because they were not able to verify my identity. I find it really peculiar that as a XXXX  individual I was denied and discriminated against. I provided the information only to be told that they decided to decline it. I sent all information requested and even called from the number on my XXXX credit report ( that was The report they used ).
Product: Payday loan, title loan, or personal loan

I was contacted on XXXX, once on my personal cell phone from a private number, and then on my office number. I was informed that it was a process server, ensuring that I would be home at a certain time on XX/XX/20, in order for him to serve me. I contacted the company in which he informed me sent him, and was told that I had a loan for the amount exceding {$1000.00}, for a loan that I supposedly defaulted on. When provided the information that they had, I explained to them that I had not lived at that residence nor had I used that financial insitution during the time frame they gave me. I made an offer to help lower the amount owed, it was declined, and i was informed that they would continue on with the civil suit if i was unable to pay almost {$700.00} today. I explained that that was impossible due to work and Covid, to which he informed me that i would instead be responsible for paying {$4500.00} to {$4900.00} wiht legal fees and court costs as a result.
Product: Credit reporting or other personal consumer reports

I'm alerting you to fraudulent personal information linked to my identity. Unauthorized accounts and transactions have been wrongly associated with me, causing significant distress. As an identity theft victim, I've already reported this incident. This situation urgently requires attention due to its negative impact on my finances and reputation. I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, take legal action to protect my rights and seek compensation. Your swift response to this critical matter is crucial.
Product: Credit reporting 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 XXXX  # XXXX or/and 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 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 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

After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

I would like to remind XXXX XXXX XXXX  of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information.

12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

XXXX XXXX XXXX  have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

This account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My wife and I have had a B or A Visa Card (Account # XXXX and we have paid on time for 19 straight years with no late payments and near 800 credit scores.  .  My wife pays over the phone.  The minimum payment was $25 back late 2018.  The account rep for Visa Card took down the wrong card # and never got back to us and thus we were notified that we were 30 days late.  Returning home from vacation we received this notice of late payment.  We immediately paid $2,000.  B of A could not find the account # but my wife clearly gave the correct # but Visa/B of A inadvertently took down the wrong number.  I protested this late payment and finally got a hold of upper management in customer service who said that they would delete this from the 3 Bureaus.  I trusted the lady who told this to me.  Then a couple of weeks later, I received a form letter stating that they did not remove this late payment and I called and said it went to their resolution department which said "no" they did not remove this.  If necessary, I will seek legal action against B of A Visa but I decided to contact you first.  Since this time, B of A has closed the account.
Sincerely, XXXX XXXX XXXX; XXXX
Product: Debt collection

I, XXXX XXXX, received a letter from Chrysler Capital on XX/XX/2021, stating that I allegedly owe an amount of {$33000.00}. Within this letter, several consumer violations were found. On XX/XX/2021, I sent a debt validation letter and also a cease and desist letter pursuant to 15 USC 1692c ( c ). Chrysler Capital has still sent recovery trucks to and around my residence, which is a form of communication, which is a direct violation of my rights as a federally protected consumer.
Product: Mortgage

At the beginning of XX/XX/XXXX I was accepted to get a modification on my mortgage with Nationstar Mortgage in XXXX, Texas. I was to do XXXX trial payments starting in XXXX which I completed and got my modification. I got my final paperwork to sign and get notarized and send back to Nationstar. On my paperwork it stated that " Borrower promises to make monthly payments of {$700.00} starting on XXXX XXXX. '' I sent XX/XX/XXXX payment and then XX/XX/XXXX. The middle of XXXX I got call from the mortgage company that I needed to sign the paperwork again because they said did not have all the pages but this would not affect the modification. I did that. In the beginning of XXXX I received XXXX letters ( XXXX reg. mail and XXXX cert. mail ) stating that if I did not pay {$1100.00} by XXXX XXXX they were going to start foreclosure on my home. I called and asked what was going on. First they tell me that my monthly payment is not {$700.00} but is {$940.00}. I asked why it was not on my paperwork and they claim that they did not know what my escrow payment was. ( I did not believe that ). I asked why I was not notified and was told that because of my bankruptcy ( discharged in XX/XX/XXXX ) that by law they do n't have to send me monthly statements or call me to tell me what I owe. I asked how would I know what I owe then and they said I could call them! Why would I call them if my paperwork stated I was to pay {$700.00} every month?! When I call this company the agents can be very rude and everyone gives a different answer to the same question.If I call XXXX of of their loan specialist on their private number I never get them but get their voice mail and I leave a message and they never call back ( ever ). The foreclosure is in suspension now so I can try and get caught up but I feel this is their mistake not mine. I called the XXXX office in XXXX, Tx. and they have a F rating. I filed a complaint with them and also the Texas Mortgage Banking and Savings Lender.
Product: Credit reporting or other personal consumer reports

According to the FCRA : 15 USC 1681.602a- states I have the right to privacy 15 USC 1681 604a sec # 2- states a consumer reporting agency can not furnish an account without my Witten Permission. 
15 USC 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXX. XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} I have contacted both of these companies and I have requested that I be provided with the Original Contracts with my signature with XXXXXXXX XXXX XXXX the Bill of Sale for these dept purchased accounts and I have requested a copy of the contract I signed with XXXX XXXX XXXX authorizing them to place any information on my report. I have not received any of this information. I was given a web site to go to by XXXX XXXX but when I accessed the account I could get no paperwork because it stated my case was in litagation and could not be released. I also requested the Bill of Sale and it was not provided. If these companies purchased these accounts then my credit report should have read accounts Settled for Less because the amounts owed changed which are Inaccurate on my report. I can not obtain the information to clear the matter and by law these items must be report 100 % correct. I have no way to verify these accounts.
Product: Debt collection

I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX  which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled. 

I received an email from an " XXXX  XXXX XXXX XXXX  XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further. 

This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action. 

I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.
Product: Debt collection

I received a letter from Portfolio Recovery Associates LLC on XX/XX/XXXX for an account from XXXX XXXX XXXX  that they said I owed from XX/XX/XXXX and I do NOT even owe. It is not my debt.y debt. Then, I received a a different letter from XXXX XXXX on XX/XX/XXXX stating that " We are trying to collect a debt that you owe to Portfolio Recovery Associates , LLC ''. I believe that Portfolio Recovery Associates has been under scrutiny for trying to collect debts that have expired under the Statue of Limitations. On XX/XX/XXXX CFPB filed a complaint against Portfolio Recovery Associates for violating the 2015 Order, the CFPA, the FDCPA, and the FCRA.. They stated that Portfolio familed to timely resolve disputes submitted by consumers, properly respond to disputes they deemed frivolous, conduct reasonable investigations of consumers disputes, etc. They also were suing to collect time barred debt. The order required Portfolio Recovery Associatiates to pay a {$12.00} million in redress to harmed consumers and a {$12.00} million civil money penalty. It also imposes broad injunctive relief designed to prevent Portfolio from violating the law in the future. This letter to me from Portfolio and now it appears they sold the account to XXXX XXXX is way past the stature of limitations. XXXX says they " are trying to collect this debt for Portfolio Recovery Associates LLC ''. I am not sure if they are working for Portfolio or if they purchased the debt from Portfolio Recovery. Either way, Portfolio is still doing illegal collecting practices along with XXXX XXXX.
Product: Credit card or prepaid card

Victoria Secret Credit card, decreased my {$1000.00} credit limit to {$100.00} after I paid it off and did not use the card for a couple of months. When I went to use it for XXXX gifts for my 3 daughters, is when I discovered they had lowered my credit limit.