23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies. 

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : 1. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
2. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
3. XXXX XXXX - XXXX reported premium payments as a collection on my credit file, with an inaccurate amount. 
4. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by XXXX XXXX Equifax XXXX and XXXX XXXX. There are accounts are past the 7 years outdated and still being reported. 
5. XXXX XXXX  - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

Thank you for this matter.
Product: Credit card or prepaid card

Received letter from Capital One saying my account was closed due to inactivity.

Account was closed onXX/XX/XXXXI received the letter on XX/XX/XXXX The letter is dated on XX/XX/XXXX.

By Capital Bank closing my account they have harmed by credit score and availability to get credit. Since my available credit has gone down it now looks like I am not a good candidate for the best available interest rate to members with A-/B+ status.

They never gave me any warning. Just one letter after the fact since the account was closed by the time I got the letter to reinstate my account.

Abusive on their part. Now they want me to apply for a new credit card with my credit limit being less than the actual XXXX XXXX that I had on the credit card they closed, and with a higher interest than the 9 % the closed account carried. All they had to do was tell me they where going to close my account and give me a chance to charge something to it so I could keep my high available credit and low interest.

I had this account for over 20+ year. Were is loyalty for his company.
Product: Credit card or prepaid card

My XXXX XXXX AAdvantage Citibank card has been CLOSED and apparently " charged off ''. Without any official notification! Now, with XXXX this is crippling my Credit Score. In fact, I have had multiple correspondences with a variety of Citibank representatives from XXXX, XXXX, XXXX XXXX, Missouri, USA, and other locations. On an emails dated XX/XX/XXXX and XX/XX/XXXX, I received warnings that I needed to contact Citibank to resolve the status of my credit card. I realized I was late on some payments. At that time, I contacted Citibank and set up payment to bring my account current which I did. On XX/XX/XXXX, I scheduled a payment for {$1900.00}. During these interactions, I was NEVER notified of account closure?! The representatives said thank you for being a valued customer and we are happy to assist in getting account current. On XX/XX/XXXX after trying to use the card and was DECLINED, I contacted Citibank and spoke with a representative in XXXX. The representative said there was a Fraud/Travel Alert on my account and if I could let Citibank know where I would be traveling to in the near future, I could have full usage of my card. I told her that I am a XXXX XXXX XXXX and travel often throughout country and world. Citibank forwarded me an email dated XX/XX/XXXX showing my next few travel destinations that we had discussed. Not once did she tell me my AA Citibank Credit Card account was closed?! Why would she even set up a Fraud/Travel Alert if my account is supposedly already closed??? The Citibank Supervisor in XXXX XXXX was astonished and apologetic that I was being treated so poorly and told me she was filing a complaint/grievance on my behalf. After more frustrating interactions and getting nowhere, on XX/XX/XXXX I  asked for and received an Account Status email that I have been a " valued customer '' and that my account has been in Good Standing for the past 12 months! However, I still can not use my card. And, now Citibank representatives continue to say my Account is closed, there is nothing they can do and they have declined to reopen it. I 'll have to reapply for a new card. Which will no doubt get declined. To reiterate, this is detrimental to my Credit Score and XXXX is now affecting my other credit cards and debit card usages. For example, it 's impossible to rent a car let alone order a pizza. Citibank has been misleading and telling me a myriad of different things. I think their practices have been very unprofessional and deceptive. As a matter of fact, I have never been told the official date my account was CLOSED? Ridiculous.
Product: Credit card

I had a credit card opened in my name without my consent I have been trying their dispute process and they just dont care what I tell them or what I sent them. This has gone on for over a year, me trying their dispute process. Until I contacted a fraud specialist and got a list of things I could do. I sent in a police report an affidavit a copy of my birth certificate and social security card per the specialist and just today I contacted capital one to follow up and they said they got my packet and documents and that they still dont see any signs of fraud. So idk what to do anymore, I cant finance anything because of the negative remarks on my credit. I never done anything credit related my whole life and now when I decide to start I cant. I have attached a photo copy of a rental agreement that proves I was not at the address that was used to open said card. I have attached an affidavit that I sent and a copy of the police report that I also sent capital one.
Product: Bank account or service

As the victim of identity theft, I should not need to prove my innocence to recover money that was stolen from me. 

On XXXX XXXX, 2015, my checking account debit card was used without my knowledge and without my consent for {$850.00}. According to the bank, my card was used at a XXXX XXXX at XXXX on XXXX XXXX, and it was done in person. They said the only way that it could have happened was if someone copied my card and signed in person. Great. I was at work all day and have physical evidence that I was there the entire day. This transaction could not have been done my me. I am the victim of identity theft. 

I went to Associated Bank on XXXX XXXX, XXXX and XXXX in an attempt to dispute the transaction. I was told the first two times that I needed to wait until the transaction was no longer pending to dispute it. On the XXXX, I was able to successfully dispute the transaction, and the bank told me that they needed to conduct their own investigation. The lady who helped me told me that " as bad as this may sound, the more you try to prove your innocence, the better it will help your case. '' At her advice I went to the XXXX XXXX the incident occurred at with the information the bank had given me. XXXX XXXX informed me to file a police report, and I did in XXXX, MN with the incredibly helpful Officer XXXX ( Badge XXXX ). The case file number is XXXX. 

I have done everything Associated Bank has asked me to do to prove my innocence. They have provided me with no evidence that I made the purchase, yet they insist on not returning my money until XXXX XXXX at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT CLOSED. 
XXXX XXXX XXXX / XXXX XXXX ACCOUNT STILL REPORTING AS OPEN ON EXPERIAN DESPITE PREVIOUSLY DISPUTING ONLINE. 

XXXX AND XXXX REPORTING CORRECTLY AS CLOSED FINAL STATEMENT ATTACHED
Product: Credit reporting or other personal consumer reports

Removal of wrong personal information in dispute as it was removed and several weeks later reappearance on my credit report from transunion.
Product: Credit reporting or other personal consumer reports

I sent two letters by certified mail to dispute a late payment with XXXX XXXX XXXX XXXX and to dispute a closed account ( {$700.00} ). I sent the mail on XX/XX/year>XXXX  making it almost thirty days with no response to verify that information.
Product: Credit reporting or other personal consumer reports

I noticed that when I checked my credit report, I see an accurate port reporting on this credit service about me being late on my credit card payments. I never was late on these payments is an accurate from my Credit report because it is reporting on Experian and Transunion and is not reporting on XXXX so I would like to have this be moved off my other XXXX credit reports because it is hurting my credit score and I would like to have it removed off
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

CC company : Citi Cards ( XXXX card ending in XXXX ) Dispute ID : XXXX Dispute Merchant : XXXX Dispute XXXX : {$240.00} ( charge made on XX/XX/XXXX ) ( duplicate charge from XX/XX/XXXX ) I initially called XXXX on XX/XX/XXXX to book a one-way ticket ( XXXX ) for travel on XX/XX/XXXX and wanted to apply a {$100.00} travel bank voucher toward the ticket. The full price ticket was {$340.00} - {$100.00} travel voucher = paid price {$240.00}. I provided my CC # to the XXXXe Customer Service Representative ( CSR ) to finalize the purchase. However, I did not receive any confirmation on XX/XX/XXXX that a ticket was issued. I called XXXX again on XX/XX/XXXX and spoke with a different CSR to make the same booking request, and the CSR applied the travel bank voucher and charged my CC in the amount of {$240.00}. 

Subsequently, three separate charges from XXXX appeared on my CC, one of which ( {$340.00} ) was credited by XXXX. I then contacted Citi to dispute the extra charge of {$240.00} which Citi has failed to do its due diligence to resolve with XXXX. Coincidentally, I also talked to XXXX about the dispute and XXXX claimed they did not see an extra charge of {$240.00} on their end, and instead pointed the finger at Citi. What is undisputed is I purchased a ticket for travel on XX/XX/XXXX ( record locator XXXX ) in the amount of {$240.00} and nothing else from XXXX for that date, and I was charged {$240.00} x XXXX = {$480.00}. XXXX XXXX or Citi wrongfully took {$240.00} from me. I kindly request a reimbursement of {$240.00} to my CC account. Furthermore, Citi and/or XXXX should be held accountable for their lackadaisical effort in resolving this dispute. This is why I am taking the time to submit a complaint to CFPB so that you can assist me in righting a wrong. I can provide additional information as needed. Thank you. 

XX/XX/XXXX statement XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$340.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX$240.00} NAME : [ My First Last Name ] DEPART : XX/XX/XXXX XXXX TO XXXX : XXXX : CLASS : O : STOP : XXXX TO XXXX : XXXX : CLASS : O : STOP : XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - {$340.00} XX/XX/XXXX statement XX/XX/XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$240.00} XX/XX/XXXX XX/XX/XXXX REVERSE XXXX XXXX XXXX {$240.00} New balance {$870.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$870.00} - {$870.00}
Product: Credit reporting or other personal consumer reports

I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} ALSO THE XXXX XXXX  ACCOUNTS HAVE THE SAME ACCOUT NUMBERS WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY
Product: Credit reporting, credit repair services, 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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Mortgage

We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.
Product: Checking or savings account

I deposited a friends pay check for {$860.00} the bank accepted the check, cashed and made funds available then froze the funds had them frozen for 2months with me calling and leaving messages and then want to reverse the check and close the account almost 3 months later
Product: Mortgage

We have a mortgage through NewRez and they require us to escrow our taxes and insurance. They have wrong tax information, have not responded to notice of error message and documentation that we have sent, and have not paid our, now overdue, property taxes. I called on XX/XX/XXXX and explained the situation to several representatives and sent the following message to the email address that was provided to me. 

To Whom It May Concern, This letter is in regards to a property tax error. Our property taxes are due tomorrow, XX/XX/XXXX, in the amount of XXXX. However when I checked with the town treasurer she said that the taxes have not been paid yet. I called and spoke with several NewRez customer service people and they said that my account shows my taxes are not due until the XXXX of XXXX in the amount of {$2600.00}. So both the payment due date and amounts are incorrect. Please see the attached tax bill. 

Please pay this bill ASAP. The customer service rep also said that any monetary penalties, which there will be some because it will be late, will be paid by NewRez and not out of my escrow account. Please confirm that this is correct. 

I would also like written confirmation that you have received this notice of tax error and that the taxes have been paid. In addition, please correct the date and amount of tax due for the month of XX/XX/XXXX. 

Our loan number is ____________ Property Address ____________ Thank you and I'm looking forward to hearing back, _____________ As of yesterday, XX/XX/XXXX we had not heard back from NewRez, nor have our property taxes been paid. So we called again, waited for over an hour to speak to a represented, and were told they have a record of my previous call and email They said the issue was under investigation. The representative wouldn't give me his name for reference, only said the conversation was recorded if it needed to be referenced. No number or code to document the call on our end and only would give the loan service email address that I sent my previous email to. 

In addition, when I log into their webpage I only get a blank page and can not see my account information. I brought this concern up during the first phone conversation and the representative assured me that she could see my account information and that I should able to see it - but I can't! 

At this point there are no real answers or resolution and my taxes are not paid. We have always paid our mortgage on time and this is not acceptable from NewRez. We have spent hours dealing with this concern and it is something we shouldn't have to even think about - isn't that the whole point of an escrow?! NewRez is in violation of their contractual duty.

Please help us get this resolved ASAP! 

Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the repeated inaccurate reporting of charge-offs and collections on my credit report. Despite my efforts to resolve this issue, I have encountered persistent inaccuracies that have negatively impacted my credit score and overall financial health. 

Key Issues : Repeated Charge-Offs and Collections : I have noticed that the following accounts have been repeatedly reported as charge-offs and collections each month, which is misleading and damaging to my credit profile XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX : Account XXXX XXXX XXXX  XXXX  ( XXXX XXXX XXXX : Account # XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX Failure to Provide a 1099-C : Despite the accounts being classified as charge-offs, I have not received a Form 1099-C for any of these accounts. According to 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is canceled. The lack of this form raises concerns about the legitimacy of these charge-offs and reflects a failure on the part of the reporting creditors. 

Inadequate Response to Disputes : I have contacted the credit bureaus multiple times to dispute these inaccuracies, but my requests have gone unanswered or inadequately addressed. This lack of response violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation upon receiving a dispute. 

Impact : These inaccuracies are causing significant harm to my credit score and making it difficult for me to obtain new credit. I am concerned that this situation will continue to affect my financial future if not addressed promptly. 

Desired Outcome : I am seeking the removal of the inaccurate charge-offs and collections from my credit report and require the issuance of the 1099-C forms for the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with XXXX and TransUnion. Both XXXX and TransUnion claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during XXXX and TransUnion 's thorough investigation.. 

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