23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


. XXXXXXXX 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 reporting or other personal consumer reports

I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX I refinanced a used silver, XXXX XXXX XXXX XXXX XXXX Time with Navy Federal Credit Union. I singed a contract for a vehicle lone of XXXX XXXX. 
But they didn't restive the title for the car from drive time and changed my vehicle lone to a personal lone at a much higher interest rate.

The Vehicle company would not send them the title and the bank wouldn't try to get the title themselves. So I stuck with the higher interest lone for a long time. 

I called text XXXX XXXX  XXXX XXXX XXXX XXXX They sent me to banking regulator of textus, office consumer credit commissioner XXXX XXXX XXXX They sent me to XXXX XXXX XXXX XXXX And they sent me to your company.
Product: Debt collection

Amount : {$550.00} I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of any viable evidence with my signature substantiating their claims. Futhermore I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute civil negligent non-compliance regarding my credit report, pursuant to 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ). This statute holds entities liable for failing to exercise reasonable care in handling consumer credit information, leading to inaccurate reporting, unauthorized disclosures, or other violations that negatively impact consumers.

Upon reviewing my records, I have identified ( describe the specific issue : inaccurate credit reporting, failure to investigate a dispute, unauthorized disclosure, etc. ), which constitutes a negligent failure to comply with FCRA requirements. The details of my dispute are as follows : Account/Creditor Name : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Date of Issue : XX/XX/year> Description of the Violation : This account has been paid in full. 


Legal Basis for My Dispute Under 15 U.S.C. 1681o, an entity that negligently fails to comply with the FCRA is liable for damages sustained by the consumer. This includes actual damages, legal costs, and reasonable attorney fees. Given the nature of this violation, I am requesting the following remedies : 1. Immediate correction of the disputed information and a confirmation letter stating the action taken.

2. Compensation for damages, including financial harm, lost opportunities, and emotional distress caused by this negligence.

3. Compliance assurance, including documented proof that procedures have been corrected to prevent future violations.

Requested Response Timeline I expect a written response confirming the resolution of this matter within 30 days as required by FCRA. If no corrective action is taken, I will explore all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages. 

Please consider this letter as formal notice of your non-compliance. I urge you to take immediate corrective action. If you require any additional information, I am available to provide it at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Debt collection

I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS FRAUDULENT CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. EXPERIAN CREDIT BUREAU REFUSED TO BLOCK AND DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX  XXXX  XXXX  Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Product: Money transfer, virtual currency, or money service

paypal has permanently restricted my account from being used. I received an email stating i can no longer do business with them on XX/XX/2021. I called paypal to, once again, take my account restriction off. Paypal had just placed it on restriction and then removed the restriction as everything was satisfactory. When i called paypal, they wouldn't even confirm that my account was restricted or say anything but in 6 months that I would receive an email with instructions on how to get my money back. After several calls, I gave up. I already couldn't withdraw rent and was told I had to move. I also ended up losing the job due to having to move and now I couldn't even get paid for work through paypal, which is why I opened my account in the first place. So six months later, i try to transfer out of Paypal and didn't have any luck. I called Paypal and asked what was the hofd-up. once again they said that they would want me to wait longer. And i have waited long enough finally. My whole life ( lately ) has failed from Paypal since. I need some serious counseling from the damages paypal caused my family and me. We lost out on opportunities from having that money. we are still recovering. It's still affecting my situation. Im not sure what to do, nor how to do ANYTHING anymore. i know i can't trust banks. i dont know how to act with any businesses because i now know they can do this to a person, and will do it and not have to tell you a thing and there's nothing you can do about it, because there is no paypal bank. I have lost almost everything and am most likely to get a divorce before this is over.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

This is yet another complaint against Ocwen, XXXX XXXX XXXX XXXX and the law firm of XXXX XXXX XXXX. Because of Ocwen 's unwillingness to settle this issue and demand a refund from my XXXX. for money Ocwen illegally paid my XXXX. XXXX XXXX XXXX XXXX. from a bogus and possible illegal invoice from XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has foreclosed on my condo. The sale of which is to take place on XXXX XXXX, 2016. This needs to be stopped. My lawsuit against Ocwen, XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX has not even been tried yet. Again, I believe that they are all in collusion together. I also believe that XXXX & XXXX XXXX be miss reprsenting the XXXX. This has got to be stopped.
Product: Credit card or prepaid card

I went into the store to purchase some items and they offered to open me up a perk reward card that gives points off each dollar is spend to build coupons but instead they opened up a credit card fraudulent. I had just turned XXXX XXXX XXXX so they took advantage. Me and my mom went back into the store and returned the items and explained to the manager that they shouldnt have opened this card and they lied and said it was a store perk card. The information they had in the system was partially made up and the manager was really nasty and said they have to have their credit card numbers up etc and my mom said well yall wait on young girl and prey over them and lie and say perks. I honestly thought because we called and went into store several times that the issue was resolved but then I got a call today XX/XX/22 saying i am behind XXXX and i ask how because i returned all items when i realized what they did and called to cancel the same day and went back into store. I honestly just want them to erase this information being that it was fradulent.
Product: Checking or savings account

My niece   XXXX   XXXX   using my Mothers ' name illegally, dated XX/XX/XXXX  &  XX/XX/XXXX  was able to receive several years of transactions of a joint account between myself and my Mother.
This fraudulent and identity theft action by my niece has caused a financial loss of approximately {$43000.00}.
CITIBANK has offered an apology for not contacting me of the invasion of my account, and the distribution of all the data without a subpoena.
My Mother passed away XX/XX/XXXX , thereby leaving me the sole owner of the account as the survivor.
correspondence letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  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 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 five 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 accounts 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 10 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

The following hard inquiries are showing on my XXXX XXXX account, which led me to open an investigation with the XXXX credit bureaus. 

The following hard inquiries are showing on my account of which were NOT opened or created by me : XXXX XXXX XXXX XXXX XXXX XXXX ( finance ). Both of these were reported on XX/XX/year>. Fortunately, from what I can tell, no accounts have been created and I believe were denied, however, I have no way of being certain without the correct information being given to me from the reporting agencies. 

I called all XXXX credit bureaus, to freeze my credit with them. XXXX and XXXX did not have any of this data on their end, however, when I called Transunion, they did have these XXXX reported which is affecting my credit and showing as hard inquiries... 

Transunion then advised me to contact the reporting business and get a letter from them stating that this was fraudulent activity. This is the only way they are able to " review '' the case and remove these items from my credit which are being falsely reported. 

Transunion did provide information to XXXX XXXX and I was able to contact them directly and handle, however they are unable to provide information for XXXX. Transunion gave me multiple addresses for the company and was unable to verify a single phone number. Therefore, I am unable to get Transunion the documentation they need to get this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm have credit reporting problems with Experian, there are accounts and addresses that they refuse to take of credit, I have supplied them with documentation of my Identity theft, I have submitted police reports in according with Sec. 605b of the FCRA I have asked them the block information. 
,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.
Product: Checking or savings account

On the XXXX of XXXX I submitted a dispute about a transaction from a week prior and how XXXX provides a 100 % money back guarantee but because I submitted a dispute with my bank the option was up to them. Bank of America told me they are waiting for the merchants bank to refund the item and regulation E mandates any and all banks to provide a provisional credit. I have received nothing and this is day 12. I've lost a job due to lack of funds and I am about to start paying for lawyer fees to sue the bank. This is the 2nd time they have been in violation of regulation E, and now my dispute says claim not paid which confuses me even more. I want to sue this bank and get my money back from them ASAP...
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent hack of Equifax information has leaked my information to the public. The company has acknowledged that my information may have been breached. Their systems are down and they are only offering a service to " protect '' my case in exchange for the waving of arbitration rights.
Product: Credit card or prepaid card

On XX/XX/22 I paid my full balance and requested the account be closed. On XX/XX/22 I received correspondence vial post mail from commenity forever 21 stating my account has been closed per my request and the balance on the account is XXXX. On XX/XX/22, the company charged me a minimum interest fee of XXXX, then charged a late fee of XXXX on XX/XX/22, and then charged another minimum interest fee of XXXX on XX/XX/22. When I reached out the company the response, I received was that is the policy, and I can pay the XXXX to avoid being charged further interest. This company never sent any communication about the initial minimum interest, only an email stating I had a balance due which was received on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, XXXX XXXX
Product: Credit card

My Macy 's American Express account was taken and used fraudulently. An identity thief called the Amex/Citi customer service line, changed the address of my account XX/XX/2015 and used the card fraudulently. Amex/Citi allowed the thief to compromise my information, changed the information, and then provided them with a new card and mailed it to the fraudulent address. I noticed I had not received the Macy 's statement and called in to report it. I have been unsuccessful after several calls to Amex/citi in having them provide me with a history of the fraudulent activity. I have been at this for a few weeks and I have not been provided the information so that I can submit an affidavit of of fraud with them. My credit scores have deteriorated and Amex/citi who allowed for my information to be compromised has been uncooperative in having this resolved.