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

Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Dear Equifax There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The i no dentified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. 

I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. 

Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, XXXX # XXXX, Date Opened XXXX XXXX XXXX , XXXX # XXXX, Date Opened XX/XX/XXXX. 
XXXX/XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX place in, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX   XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review
Product: Money transfer, virtual currency, or money service

PayPal account : XXXX You guys took all the money from my account. I have contacted my lawyer and we will sue you guys. You guys will lose more in court that refunding all my money back. I need my money back immediately. I waited the 180 days and 2 days before the 180 days you guys took all the money from my account.
Product: Credit card or prepaid card

I had a death in the family and did not realized my funds were not available for my monthly platinum card payment due to my client 's late payments. I did not receive any phone calls from AMEX, but rather once my platinum card stopped working, I called in and found out and tried to rectify the matter. However, the person I spoke with said I had to wait for three attempts to take funds out of that account before a payment could be made. I told them the funds would not be available and I wanted to cancel the payments being taken from that account and they said that was not possible. They told me I had to have the bank do a stop payment. I tried to call AMEX again, but it was too late, the second round of requests went through. This time, the account that was used was another account saved to the profile, which was no longer a valid account. So I told them, again, this was not going to have funds. They said we had to wait another three times before I could make a payment. I went online and reprogrammed the correct account, which for some reason had deleted from the system. Th the third round started, and again, it defaulted to the incorrect account. What a nightmare that the computer going awry could not be stopped! Then I found out they closed both of my accounts, including one that had never had a missed payment - I have had a perfect payment history for over 15 years. Every time I have called over the past 4 months they try to get me to a supervisor, most of whom are unavailable and when I give my number to get a call back, I more-often-than-not do not receive a call. When an employee in one of many departments does try to do anything they also say they will call me back and do not. None of the departments have any regard to my loyalty as a long term customer nor to any personal loss I have had. They throw their hands up and say they can't do anything about how the computer is set up and can not override it and they throw up their hands and name off other departments that might be able to assist me, none of which seem to be able to assist ... or they say I can re-apply. I have been getting the run-around, a big whirlwind of no one seemingly doing anything. They also each read off the same script over and over and continue to not treat me like a human being, but more like a robot. Every phone call I make is a two hour process where I am also being told things like, " you do not need to call us, we will call you, '' yet I do not receive that returned call. I have only been trying to be proactive and give AMEX money, but they are not trying to be of any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX transferred ownership of my Home Equity Loan to XXXX XXXX XXXX  ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX  has now reported a payment delinquent over 30 days to XXXX, XXXX, and Transunion. XXXX  made these reports and knew that their records were incorrect. XXXX claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent XXXX  documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with XXXX without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX  is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX  has with XXXX XXXX XXXX, not me. XXXX  should not be permitted to make such reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent certified to transunion for violations also ccd to Attorney General of XXXX
Product: Credit card or prepaid card

I was late paying my credit card for the first time. I called the credit card company to make my payment. the credit card company removed a late payment from my account but the creditor closed my account and reported a late payment to the credit bureau
Product: Credit reporting or other personal consumer reports

Complaint Filed with the Consumer Financial Protection Bureau Dated : XXXX XXXX XXXX I submitted a dispute on XXXX XXXX XXXX with TransUnion on three accounts listed on my credit report, they are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***NOTE : All three accounts are currently under the control of XXXX  XXXX XXXX XXXX all three disputes are listed under the same case number : XXXX As of XX/XX/2024, TransUnion had not responded to my dispute and it remained pending until after XXXX XXXX XXXX ( 74 days ), well beyond the allotted time frame permitted according to the ( FCRA ) Law. Sometime between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the pending status of my dispute was removed, no response was given me regarding my dispute. Said accounts are still being reported, unchanged. 
My understanding of the Fair Credit Reporting Act as it clearly states that if the reporting agency can not report results of their investigation on a consumer disputed account information within the 30-day period ( time limit allotted by the FCRA ), the information must be removed from my report. TransUnion has failed to remove disputed information despite not having confirmed the results within the allotted time permitted by law. I sent TransUnion a registered letter on XXXX XXXX XXXX ( received by TransUnion on XXXX XXXX XXXX, as indicated my XXXX card proof of delivery ). Whereby I informed TransUnion that since they failed to provide results on my dispute within the allotted time in accordance with the law, they are obligated to remove said reported information from my report. Here we are XXXX XXXX XXXX, and nothing has been updated, as creditor information is still being reported unchanged.

I have screen shots of the status of dispute still pending as of XXXX XXXX XXXX ( 74 days after filing dispute ), copy of my letter, as well as proof of delivery of receipt of said registered mail on XXXX XXXX XXXX. In addition to a screen shot of the three accounts in question. There is little more I can do to make TransUnion budge on their dereliction of their obligations under the law ( FCRA ) short of retaining an Attorney and filing suit in federal court. 


It would be greatly appreciated if you could act on my behalf in getting TransUnion in complying with the law as it regards this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2021 with FTC against XXXX XXXX  scamming me on a car loan. Please see the attached report and remove this item immediately from my credit profile. I will take civil action against vehicle solutions on the backend for trying to collect on a vehicle that the committed a scam on and placing it on my report. Attached please find the FTC report that was filed against this company. 

Thank You
Product: Money transfers

I filed a spousal visa for my husband and immigration request that I submit proof of financial support to my husband while he is in XXXX. Since 2008 I 've been sending my husband money via Western Union and over 10 times I have called and made a request for this information to be sent to me via email and mailed. I have completed requested forms of consent and sent along with copy of drivers license. To date, I have not received this time sensitive information immigration has requested with DEADLINE despite speaking to multiple representatives and supervisors. On several occasions I have been promised a call back and promised receipt of information by supervisors and the result of that has been filing this grievance and complaint. Moreover, it is not helpful that 90 % of the phone representative are from the XXXX and accent is inexplicable. My level of dissatisfaction and anger is so great that I plan on posting this complaint on every social media that is on the market and the ones to hit the market. I have been a loyal customer since 2008 and have been shown or given zero appreciation, not to mention respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX and XXXX I sent letters disputing inaccurate information on my Equifax credit report file. I have not received a response to any of my dispute letters. And it has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I have attempted to contact the company about the incorrect information on my credit profile however, the company has failed to correct the information. The personal information to include my name, address, and employer on my profile is incorrect. The only personal information that should be on my profile are as follows Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Employer : XXXX XXXX XXXX No other names addresses or employers should be listed on my account.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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.

Should this information continue to be in place on my account, I will have no further action but to take legal action against the company.
Product: Credit card

I have 2 complaints and this is Financial Malpractice : 1 ) My credit limit was reduced drastically from XXXX $ to XXXX XXXX Now my credit card shows has " Over credit Limit '' as there is approximately more than a XXXX $ over credit limit in balance which has severely impacted my credit score, plus this also reduced my available credit overall which has severely impacted my credit score, causing financial distress and has impacted all areas of my life financially. I am not making monthly payments for a credit card I can not use ( As the available credit is XXXX $ ) and paying interest on top of this. This is malpractice where Upgrade Inc. approves a credit line and then suddenly drastically reduces the credit limit ( Based on credit scores as a reason ) and the consumer is put in a situation where the credit card can not be used anymore, and monthly payments are being made with interest with no use of the card. Basically, Upgarde Inc. provides a credit line, reduces the credit limit and indirectly makes this like a loan with a high interest payment. This must be addressed with these small financial institutions who are using legal loopholes to cause severe financial distress to the customer for their own gain. They should not be allowed to run financial institutions in the United States with these kind of undercover financial malpractices. Every area of my life has been impacted by this company due to severe credit score impact.

2 ) A monthly payment was made on XX/XX/year> in the amount of {$1600.00} by mistake as Upgrade Inc. does not show a confirmation page with the amount before submitting the payment. I meant to make the minimum monthly payment, but instead, the payment defaults to the full amount and Upgrade Inc. hides the amount in the confirmation page before submitting the payment. In this case, the customer would not know what payment amount is being made ( Every Major financial institution has this process in place ). This is to mislead the customer and make them pay a full amount, by hiding the amount on the confirmation page. After submitting this payment, I immediately tried to cancel it ( In 30 seconds ) for {$1600.00} and they would not let me cancel. So my entire salary I received the same day was taken by Upgrade Inc . I contacted customer service and they said that they can not do anything about it via an email. There are no communication channels in place and they have a live chat option which is not operational. The website is very amateur for a financial institution where you can not even see the detailed account summary. Now this has caused me to lose my entire salary without being able to pay for rent or food. The I sincerely hope this financial institution is held accountable for their malpractices. 

Thanks Very Much.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report this evening, and I'm unsure why they appeared. When I checked as usual, I was shocked to see discrepancies that weren't there before. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. Given this, I'm urgently requesting a thorough review of the documents I've provided so I can finally put this concern to rest.
Product: Debt collection

While I was a tenant at XXXX XXXX Apartments in XX/XX/XXXX, water came up through the drain of my kitchen sink and caused damage to the unit below me. I was not in my apartment when the incident took place and I had no knowledge of any plumbing issues that could cause water to come up through my drain. The XXXX XXXX feels as though I am liable for these damages. I disagree and have refused to pay despite multiple attempts to collect by XXXX XXXX. Ultimately I got my attorney involved and he reiterated that I would not be paying the alleged debt until a verdict was rending in favor of the XXXX XXXX proving that I owe the amount at issue. At that time XXXX XXXX indicated they were not intending to file a lawsuit. Instead they were going to going to continue to seek payment and ultimately jeopardize my credit. Earlier this year I was contacted by National Credit Systems , Inc. on behalf of the XXXX XXXX. Again, they were seeking to collect the alleged debt that had previously been dispute with the XXXX XXXX. I explained to the National Credit Systems representative that the amount had been disputed and I would not be paying. Last month, XX/XX/XXXX, National Credit Systems , Inc impacted my credit by reporting the alleged debt to the credit bureaus. Shortly thereafter I received a letter threatening me with a lawsuit and explaining my ability to get credit, favorable interest rates, or a home are now in jeopardy because they have reported the alleged debt to the bureaus. On or about XX/XX/XXXX, I reached out to National Credit Systems , Inc to inquiry how the alleged debt had been validated and what gave them the right to impact my impeccable credit score. I  was told the XXXX XXXX had provide a copy of my rental agreement and an invoice for the repair costs and that was all they needed, as I had failed to provide any documentation to the contrary. I explained that I did not need to provide any additional documentation as my stance is supported by the rental agreement that was provided by XXXX XXXX. I asked where in the rental agreement it stated I was liable for unknown maintenance issues, which I was told my rental agreement states the tenant is liable for all water damages. I can assure you that the rental agreement does hold the tenant liable for all water damages. Rather, section XII ( F ) of the agreement indicates that the tenant as the duty to promptly notify the Landlord of the need for repairs. Since I had no knowledge of the maintenance issue, I had not duty to notify them. Nor could I have.
Product: Credit card

I been with capital one for almost 1 years. I paid my credit card on time never missed a payment. Back in XXXX, I decided to pay the minimum amount of the credit card balance. Everything went through fine. On XX/XX/XXXX I decided to pay off the entire balance, but for some reason the bank capital one rejected it even though there was money in the bank account to cover the entire thing. Three days later, I received a notice from capital one Credit Card that my Account was canceled. Which by the term and condition of the card.