23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The bankruptcy information currently displayed on my credit report is not only incorrect but highly misleading. The case purportedly indicated as valid and accurate is unequivocally incorrect. There has never been a case brought before a judge, and consequently, there is absolutely NO JUDGMENT associated with it. The absence of a judgment signifies the absence of a casea fundamental legal principle seemingly overlooked in your reporting. 
It perplexes me how a case that was never presented in court is now being reported as valid on my credit file. I insist that this erroneous account be immediately removed from my credit report. Failure to address this matter urgently will leave me with no alternative but to pursue legal action. Please be informed that I have already sought advice from my attorney, and if this issue persists beyond 30 days from the date of this letter, federal action will be initiated against the responsible party. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Something fraudulent is going on. It seems to have layers making my like seem difficult
Product: Credit card or prepaid card

I write regarding a potential violation of the Credit CARD Act of 2009, in that Citibank appears to have improperly applied my payments above the minimum payment to a lower-interest rate balance transfer ( 0.99 % APR ), rather than to higher-interest rate standard purchases ( currently 9.24 % APR ). 

This began on my XX/XX/XXXX statement and continued on my XX/XX/XXXX statement, as set forth in the attached XX/XX/XXXX letter I sent to Citi. The attached letter contains dates, amounts, and actions requested ( i.e. monetary relief in the form of corrections to interest payments and a balance transfer balance ). I called Citi twice on XXXX XXXX, XXXX and XXXX XXXX, XXXX, and was assured that the problem would be corrected, but it has not been. 

It appears that CFPB has received multiple similar complaints regarding similar issues. See CFPB complaint # XXXX, # XXXX. 

Also, the instructions on Citi 's statements as to where to send complaint letters appear to be incorrect. The instructions provide " write to us at the address for billing inquiries and correspondence shown on the front of your statement, '' and inform that rights to challenge mistakes may be waived if notification in writing is not provided within 60 days. On XX/XX/XXXX, I mailed the letter to that address on the front of the statement, i.e. XXXX XXXX XXXX in XXXX XXXX, SD. However, I called Citi today, and they informed me that the proper address for complaint letters is XXXX. XXXX XXXX in XXXX XXXX, SD, and that they had not received my letter. I asked them if I could email them the letter so that I could notify them today and preserve my rights. Citi said there was no way to email them. Citi did say that they would alert their back office to look for the letter. 

Given Citi 's apparent mistake as to where to address complaint letters, and my efforts to reach out to Citi today and previously, I trust that Citi will not treat my rights as waived. 

Thank you for considering this matter.
Product: Mortgage

I was contacted by a XXXX XXXX XXXX this morning by telephone, the phone number is XXXX. His agent ID number is XXXX. He said he was with Idaho Central Credit Union working as an Underwriter for the Loss Mitigation department said that he had a government loan modification under the Pandemic, Relief Assisstance for a HELOC loan that I have out that would lower my interest rates and my loan payment. It sounded like a scam. I called the number back and left a msg, within 3 minutes he called Its really hard to get the same person that called you originally, I listened to what he was saying until he wanted information about my financials. I politely interrupted him and told him I was going to call my bank and confirm that he worked for them, he wanted to know what number I would be calling, which I didnt tell him. So I hung up the phone. I called my bank. They said it was a total scam, so Im out here letting you know that this is out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was lost my job due to the pandemic I called Citibank immediately letting them know I lost my job but got another job. Due to the gap in pay periods before the break job started I notified Citi I needed my payment date to be extended. The representative assured me that there would no penalty and allowed me To skip a payment. I made a payment by scheduling it with her. When the date came for the automatic payment I noticed it wasnt showing on my citi app but there was a banner that asked if I had difficulty paying to lol at payment options. I clicked the banner and scheduled the oayment Im a week. 
I now have a job Im able to pay my balances off. I work for the XXXX XXXX and I have a security clearance I can lose my security clearance over negative credit reports. I have never been late before and citi lied and misrepresented themselves. They have also lowered my credit limit even though i have made large payments to other credit cards to lower my utilization. With the reported late payment and lowered credit limit my score lowered by 70 points and its not fair. I can lose my clearance
Product: Debt collection

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . XXXX
Product: Debt collection

I've been communicating with XXXX XXXX about a Line of Credit that I used to have with the bank. That Line of credit is now charged off. On XX/XX/XXXX of 2021 I called their customer service with the attempt to Settle this account. The customer service representative from XXXX XXXX told me they don't settle debts but that I can call their collection company called TRS. She provided this information but at the same time couldn't provide me a phone number or address to such business. 

I then contacted TRS via telephone that same afternoon of the XXXX and spoke to XXXX XXXX. She did confirm the debt and the amount owed. I asked them how come they never tried to contact me in regards to this debt and she claimed the company did however I have never received any correspondence from them. 

XXXX also told me of a settlement offer on the account in the amount of {$1100.00}. Original amount owed is {$1500.00}. She stated they were to send a letter that same day with the settlement and that I can pay over the phone. I went ahead and made the payment to settle the account over the phone with her using my debit card. 

On Wednesday the XXXX of XXXX I then contacted TRS again just to make sure that the settlement had been reported to XXXX and this is where the problem started. At first, they kept hanging up on me and telling me there is no settlement on this account. Other representative would take my name and phone number with the promise of having a supervisor by the name of XXXX XXXX call me back. No call has been received. 

I also have contacted XXXX XXXX branches just to make sure this wasn't a scam and at first the branches had no idea who TRS is and how they are related to them. I had to then escalate at a branch in XXXX, NC and a manager finally was able to dig some information and told me TRS does handle their collection accounts but no settlement can be offered. 

I feel like I was deceived by both XXXX XXXX and TRS into believing that I was settling this debt when I am really now. Also, the " connection '' or " relationship '' between XXXX XXXX and TRS needs to be more clear to its customers. It is deceiving and confusing, even to its employees.
Product: Credit reporting

A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All XXXX credit reporting agencies refuse to remove this account from my credit report.
Product: Debt collection

I have a car loan from BMW Financial, I was down two payments, they called an threaten repossession of the vehicle. I made arrangement to pay on two different dates, which I did. The last payment brought my account current. I am a few days late with my current payment, less than 30 days, yet everyday as early as XXXX XXXX  I received calls from BMW Financial. AT times 2- 3 times a day.
Product: Credit reporting or other personal consumer reports

See attachments! 
I submitted a form via CFPB complaint case # XXXX on XX/XX/year> to have my address updated. XXXX though Experian responded back to CFPB on XX/XX/year>, My address was not updated. This has been a recurring issue with Experian. Experian has been claiming that they are not receiving the documents submitted via CFPB. 

With that said, Experian is not allowing me access to my consumer report. I called on many occasions and spoke to supervisors, and they response was, " submit directly to Experian, not the CFPB. Yet, the same issue keeps occurring and experiencing is claiming they didn't receive the documents. 

Experian will sent an email that my dispute has been completed, on to go to the site and see that my consumer report is not available online. 

CFPB please hold Experian accountable for these stalling tactics to consumers.
Product: Checking or savings account

Account Closed on XX/XX/XXXX. I never received a check to refund the balance of {$140.00}. Reached out to the bank today on XX/XX/XXXX so they bank could mail me a check for the amount due, but they are unable to pull up my account via the account number or the SSN listed on my statement. I have a receivable from the bank for this {$140.00} amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # 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

XXXX-2017 spoke to rep at Trans Union in regards to being a victim of their inquiry issue glitch. I was given the scripted run around. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Product: Checking or savings account

during the pandemic last year. my wife and i went to a rough time .where we was not able to maintain our bill and automatic payment was coming out of out of account. i ask for the bank to help us with some fees back they stated is not a bank error, so their is nothing they can do for us. i have over 1000 dollars worth of fees from last year.
Product: Debt collection

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] XXXX [ XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], on [ XXXX ], and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$300.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges.

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Product: Credit card or prepaid card

I PAID my bill on the card web site onXXXX at XXXX XXXX for {$39.00}. GoT a confermation # XXXXThis payment was for a purchas fromXXXX from XXXX for {$36.00}, and they tacked on {$3.00} in INTREST AND OTHER CHARGES, when I paid my bill on time the previous month! THAY PUT A HOLD ON MY CARD BECAUSE THEY COULD NOT FIND THE PAYMENT for {$39.00} I owe {$120.00} on a {$6000.00}, limit card, and they put a HOLD on this card!!! I DO NOT EVEN THINK THIS IS LEAGLE!! THEY NOW WILL NOT TAKE THE HOLD ON THE CARD OFF UNTILL they fix THEIR MISTAKE, ABOUT 30 DAYS!!! I have had upwords of $ XXXX XXXX on this card and this NEVER happend! It has ben in the last year or so thet I eve had PROBLEMS with this card that I ave had FOR OVER 10 YEARS!! I give my PERMISHION to check!
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all 3 credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all 3 of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. Equifax still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the XXXX credit bureau. All three credit reporting agencies are using FICO XXXX model. 
There is only one FICO XXXX model, why do I have XXXX different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is XXXX and recovering from XXXX XXXX and XXXX XXXX XXXXXXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Product: Debt collection

I have disputed this claim numerous times to the with XXXX and XXXX. I have received a letter from JVS Group  informing me that I need to quit disputing it because I owe the debt, but I have yet to receive anything to prove that it is my debt. It is supposedly a debt from my local hospital, but my local hospital has no record of this debt that is allegedly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I frequently monitor my credit information. Having had my personal information released in several data breaches over the years, I am conscience to review my information. On XX/XX/2020 I noticed my credit score had decreased by over 100 points from the prior day. I saw noting in the report to support why this happened and have been unable to adequately research why this would be. The report was through Experiean. The website does not give any method to inquire why this would be or provide a venue to seek assitance.
Product: Checking or savings account

HISTORY OF COMPLAINT - ON XX/XX/2023 I MAILED A PROMISSORY NOTE TOO XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK. ATTENTION CFO XXXX XXXX BY U.S. POSTAL MAIL RETURN SIGNATURE PROCESS. THE PROMISSORY NOTE ARRIVED ON THE XXXX OF XX/XX/XXXX  AND WAS SIGNED. THE CONTRACT IS NOW OPERATIVE AS OF XX/XX/XXXX. XXXX  TRUIST BANK IS HOLDER IN DUE COURSE OVER THE NOTE. I HAD ASK THAT TRUIST BANK ACCREDIT MY BUSINESS ACCOUNT, BECAUSE MY BUSINESS NEEDED THESE FUNDS FOR MASS MARKETING, HIRING OF KEY EMPLOYEES, TRANSPORTATION. FIRST TRUIST BANKS HAD TWO EMPLOYEES SAY THEY NEVER RECEIVED THE PROMISSORY NOTE ALTHOUGH A TRUIST EMPLOYEE SIGNED FOR IT. THEN THEY HAD SEINOR VICE PRESIDENT XXXX XXXX OVER BUSINESS BANKING AT XXXX MADE ME BELIEVE THEY WHERE GOING TO ALLOW ME TO TAKE OUT A LOAN FOR THE AMOUNT OF THE PROMISSORY NOTE. THEN TRUIST BANK TURNED AROUND AND CLOSED MY BUSINESS ACCOUNT AND PERSONAL CHECKING ACCOUNT PERMENTLY ACCORDING TO THE LETTER THEY SENT OUT ON ABOUT XXXX XXXX. THEN ON ABOUT XX/XX/2023 SENT OUT A LETTER FOR {$440.00} FOR UNPAID CHARGE-OFFS. 
LEGAL MEMO- THIS PROMISSORY NOTE WAS PRESENTED AS A DEMAND DEPOSIT IN CONTRACT FORM TO TRUIST BANK AS AN EXCHANGEABLE ASSET TRUIST BANK ACTING AS PAYOR IN THE TRANSACTION. 
THIS PROMISSORY AGREEMENT TENDER LAWFULLY BY XXXX XXXX XXXX XXXX MANAGING PARTNER OF XXXX XXXX XXXX. ORIGINATOR OF THE FIRST PAYMENT ORDER IN THIS FUND, SHALL BE EVIDENCE AS A ASSET TO TRUIST BANK. ( UNIFORM COMMERCIAL CODE>3-108. PAYABLE ON DEMAND AT A DEFINITE TIME. 
BANKS ARE REQUIRED TO ADHERE TO GENERALLY ACCEPTED ACCOUNTING PRINCIPLES PURSUANT TO TITLE 12 CODE OF FEDERAL REGULATION 621.2 ( A ) ( 9 ) GAAP FOLLOWS AN ACCOUNTING CONVENTION THAT LIES AT THE HEART OF THE DOUBLE ENTRY BOOKEEPING SYSTEM, CALLED TH MATCHING PRINCIPLES. THIS PRINCIPLES WORKS AS FOLLOW, WHEN A FINANCIAL INSTITUTION ACCEPTS A PROMISSORY NOTE, DRAFT OR ANY OTHER SIMILIAR INSTRUMENT FROM CUSTOMER AND DEPOSITS OR RECORDS THE INSTRUMENTS AS A ASSET IT MUST RECORD OFFSETTING LIABILITIES WHICH REPRESENTS THE AMOUNTS THAT THE BANK OWES THE CUSTOMERS FUNDS ACCEPTED FROM CUSTOMERS. 
THE PROMISSORY NOTE ARTICLE # XXXX XXXX XXXX XXXX XXXX THE SIGNATURE CARD TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK SHOULD HAVE TO SEND ME A CASHIER CHECK FOR XXXX XXXX THE AMOUNT OF THE PROMISSORY NOTE THEY LOST. LEGAL NOTE- UNIFORM COMMERCIAL CODE 4-103 SUBSECTION 5 : THE MEASURE OF DAMAGES WHICH OCCUR DUE TO A BANKS FAILURE TO EXERCISE ORDINARY CARE IN HANDLING AN ITEM, MAY RESULT IN OTHER DAMAGES SUFFERED BY THE PARTY AS CONSEQUENCE
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never Borrowed the amount of money this law firm from XXXX XXXX is trying to get, they are reporting inaccurate amount of fees and penalty on my credit report stating that i owe them XXXX which i never borrowing from any credit card company. i disputed this account directly with the with this law firm, i never got any original contract, no supporting document, they only send me a copy of purchases made on that account but no proof that i own this company but the derogatory marks remained on my report. If they are n't able to remove this negative that 's really affecting my family live, i will like them to provide full verification and contract of this debt.
Product: Debt collection

Bank of America has told me that this account is linked to an account in my wife 's maiden name 2 years after she was married and claims I lived in XXXX XXXX Virginia. I have never lived in XXXX Virginia, so Bank of America can claim what it wants but on XXXX XXXX of 2016, my lawyer will start the lawsuit paperwork and when I show up to court with federal records stating these XXXX facts, I will not settle but I will be going for the maximum amount for damages against me and my company. Final warning and no more complaints after this.