23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I sent a letter to Focus Financial Services after auditing my credit reports today and saw that they are reporting an alleged debt on there. I never received a dunning letter from them to allow me the opportunity to request validation of this alleged debt. Yet, they placed it on my credit reports. 
In my letter, I requested that they sent me legal documents to validate the alleged debt, but they completely ignored it. 

I am demanding that they close this account and delete it from my credit reports. 

Account number : XXXX
Product: Credit card

I was given financial advise to pay the least amount on my credit card which since has set me up for disastrous financial conditions. I was not reimbursed for numerous items ( XXXX, XXXX, etc. ) I have been charged double the amount I should be charged on my car insurance, all of these things have been ongoing and resulted in plummeting credit. I have been out of work because of the stress these financial issues have caused leading me to be hospitalized back in XX/XX/2024. I explained my situation to my credit agencies and they asked me why I am not working and why don't I get a job with door dash or use my tax money to pay of my credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I attempted to contact customer service to dispute fraudulent / unauthorized information on my credit report to be told that this information could not in fact be disputed. This is unethical and should be investigated by the CFPB, these inquiries have a negative affect on my credit report and will result in possible denial of future credit and or loans if needed due to the financial hardship of COVID-19. I wish these inquiries to be disputed. 

Following inquiries are fraudulent and unauthorized XXXX on XXXX/XXXX/2020 XXXX  on XXXX/XXXX/2020
Product: Credit card

Have a purchase agreement to pay set amount for set number of months and XXXX interest. Last payment was due on XX/XX/XXXX and I missed the payment. Made the payment plus the late charge on XX/XX/XXXX, it credited on XX/XX/XXXX and billing period closed on XX/XX/XXXX. Payment is $ XXXX  monthly, late payment was {$29.00}. 

Next bill comes, minimum payment is {$100.00} and late fee is still on statement even though it was paid. Called company was told it's a " glitch '' with their system and even though I'm supposed to be paying $ XXXX monthly, due to this " glitch '' my next payment needs to be {$100.00}. Agent tells me he can't adjust or correct the minimum payment or the issue even though he states the issue is the company 's fault ( his words ).
Product: Checking or savings account

My account was terminated without an explanation, which did not give me the opportunity to release my funds into my bank account. According to ** XXXX Treatment of credit balances ; account termination** and ** XXXX Billing error resolution** of the Consumer Financial Protection Bureau regulations , I request that my funds be immediately released. They informed me that I can not access my account to retrieve my funds until XXXX, but I can not wait that long. I need my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a dispute with Experian on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at Equifax and include XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to Equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his Equifax records.
Product: Credit card

Identify theft complaint filed with Total Visa XXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank was fined {$400.00} XXXX in XXXX, XXXX for money laundering by the Office of the Comptroller of the Currency ( OCC ). In an amazing coincidence, my Citibank Costco XXXX card was cancelled near the peak rewards period one month later. 

Citibank abruptly canceled my Costco Citibank XXXX XXXXard on XX/XX/XXXX due to a negative XXXX credit report for an unrelated {$300.00} disputed bill that went to collections for a XXXX account that was paid in full a month later. 

It is important to note that I had a spotless payment history with Citibank, perfect credit prior to this dispute, and was a Costco customer in good standing for 15 years. Costco could not understand why my card was cancelled. I sent multiple letters to Citibank explaining the situation ( unforwarded billing due to an address change ) and never received a written reply. I received a denial of credit renewal from Citibank on XX/XX/XXXX and was told my Costco voucher of accumulated points in the amount of {$410.00} will be forfeited and I would receive nothing. 

I wrote a letter on XX/XX/XXXX to Citibank explaining the situation in full and that I wanted my cash credit voucher sent to me in full. I further explained that this whole situation smacks of Citibank unduly leveraging small, unrelated credit incidents into a profit-making enterprise by denying elderly customers their rightfully earned reward cash benefits by an aggressive for profit card cancellation policy. 

I received an unsigned form email on XX/XX/XXXX stating I would be contacted shortly. On XX/XX/XXXX a Citibank Customer Service representative XXXX called to state that Citibank would not be issuing my cash reward. 

I would appreciate it if your Agency would investigate this. 
Respectfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX 'S XXXX XXXX Balance XXXX {$330.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Had an issue sending money through zelle which was fraudulent and I was unable to get any money back. The amount was $ XXXX and this occurred sometime between XXXX and XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Last month, I checked my credit report and noticed there was a fradulent credit card application for Capital One on XX/XX/25. I have never even applied or logged into Capital one before. It left a hard inquiry on my account. I contacted Capital One and they said they would fix it but nothing has been done. They mentioned they would send a letter to the XXXX credit bureaus and it would take 30 days or more. Its been a month and a half and its still there. After that phone call, I put a Fraud alert on all XXXX  of my accounts for a couple weeks just in case. However, still nothing has been done. It is frustrating to talk to Capital One because last time I waited over XXXX minutes and was transfered over 5 times. I contacted XXXX again today. They told me to go ahead and file a fraud report since it was fraudulent and that this should help out the fraudulent inquiry on my credit report.
Product: Bank account or service

I opened a XXXX account with Citibank on XXXX XXXX, 2015 to take advantage of a promotion -- fund the account with {$15000.00} and perform XXXX billpays for the first two months and receive XXXX Citi XXXX points. When I opened the account, I downloaded a copy of the " Promotion Disclosure '' ( attached ), which stated " [ t ] his offer is available to targeted Citi cardmembers who receive this communication and who have an existing ThankYou Member Account associated with their Citi credit card. '' I fulfilled the terms of the promotion, but Citi refused to honor it and award me XXXX Points. Citi says that I was not targeted for the promotion. But the terms of the promotion I printed out indicate that I was targeted as I received the communication of the promotion 's terms and printed them out. If Citi 's argument is that I needed a personal invitation to the offer, it certainly is a sophisticated enough entity to send out promotion codes that are unique to certain individuals. Instead, Citi purposefully used a generic promotion code that could be used by anyone. Citi then confirmed that I was eligible for the promotion and induced me to place {$15000.00} with them for months and incur several {$30.00} account fees, without honoring the promotion. 
I believe Citi should honor the promotion and award XXXX points to my account. Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX XXXX written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under 313.7 Form of opt out notice to consumers ; opt out methods, 16 CFR 313.7 ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( e ) 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. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 


XXXX XXXX XXXX XXXX DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit card

Buisness : Ashley Furniture Date : XX/XX/year> Location : XXXXXXXX XXXX  Store employee started discussing a purchase with possible total prices and potential monthly payment but with no finalized numbers yet. The employee suggested to do a prequalification before we finish looking through the rest of the store. We were under the impression that it was just a prequalification but after the intial information was placed the employee clicked through the screens without stopping to explain what was going on. The next thing we know a recipt is being printed that says you have been approved and a credit care will come in 7-10 days. 

I stopped the employee at this time and tried to verify that we didnt just get signed up for a credit card. Informed him we would be very upset if that was the case. The employee assured us that there was nothing to worry about, things were not even finalized yet, and it could still be cancelled. 

We sat down to go over some numbers. Said we would think about it. And asked one final time, " we want to make sure that we did not get a credit card ''. The employee acted XXXX and said " no of course not, you have not purchased anything ''. I asked him if he understands you can get a credit card without buying anything and he appeared very confused. I asked to see the manager at that point. 

The employee started to walk us to the center of the store before telling us to wait. He then walked up to the manager ( within earshot and still in close visual proximity ). The employee explained to the manager a little bit of what was going but changed the story to fit his narrative ; I explained to them what was happening, they know what was going on, i am just doing my job, i don't know why they are so upset, etc. The manager then came over. I asked if there is now a credit card in my name and he said yes. I started to explain to the manager what happened but the employee constantly interupted and talked over my wife and I. 

At one point my wife said " this is fraud, this is a bait and switch '' and the manager shook his head yes. The employee said he can call Syncrony and cancel it and it's not a problem and there is nothing to be upset about. We then asked that manager if that is realistic and how long it would take. The manager aknowledged that it doesn't work that way and I would have to be the one to call and try to get things sorted out. The managers take away is that it is done and there is nothing they can do about it now. The employee continued to point out that a purchase was not made so I am pretty sure he still doesn't know how credit works.
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. XXXX XXXX XXXX Account number XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX Account number XXXX has violated my rights. XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

On XX/XX/2021, I transferred my friend XXXX XXXX {$10000.00} USD using PayPal. This was NOT for a business transaction. This was a one time transaction sending money to friends and family. 

PayPal classified this transaction as a " Business '' transaction and charged a {$300.00} fee. After explaining the situation to PayPal they refused to refund and refused to classify this transaction as between family and friends. 

PayPal transaction ID : XXXX
Product: Credit card or prepaid card

XX/XX/2022, Capital One Bank has closed my 3 credit cards with no valid reason with no notification. my total credit card limit was {$8100.00} and available balance was {$6500.00} on total 3 credit cards, i have my auto payment set up to accounts. 

cancelling credit cards will affect my credit score will decrease huge point which i find not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate this account. Account name : XXXX XXXX, XX/XX/2023, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Late XXXX or early XXXX I opened an Experian account to monitor or credit score as we were preparing to buy a home. Once we purchased our home in XXXX XXXX shortly after we canceled all credit monitoring accounts, end of XXXX XXXX at the latest. Unbeknownst to me, each month for the past XXXX months Experian has been charging my checking account {$17.00} a month. As a small number the activity went unnoticed. 

XXXX/XXXX/XXXX I called Experian to discuss the situation to which they now finally cancelled the account and stated that they never received such information to cancel the account. I asked the rep/supervisor to review the activity to verify when the last time the account was accessed, to which he stated XXXX. And as I asked him, why would I pay for a service and not use it over the past XXXX years? Because the assumption was made that the account was canceled. 

For what it 's worth, I remember vividly canceling said account - the amount hurdles one must cross to pinpoint the process to cancel account is ridiculous. Even at present day, there are no clear indicators on how to cancel your account without doing site search. 

The resolution of the call with the Experian supervisor was a canceling of the account and 1-month reimbursement. While recouping last 's month charge is nice, but it 's certainly laughable in the grand scheme of things when you 're looking roughly {$450.00} worth of total charges. 

To sum up my XXXX issues with Experian:1 ) Them dismissing my cancellation2 ) Inability for consumers to easily pinpoint how to cancel an account. all over the site XXXX can sign-up but canceling is much more complex. It 'd be nice if a policy was sort-of set like email subscriptions, publishers must provide an easy to access un-subscribe function