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

Complaint I am writing to formally dispute the following inaccuracies on my Citi credit card account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submitted a dispute to Citi Cards regarding [ Charge off account # XXXX ]. Citi Cards was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). However, to date, Citi Cards has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, Citi Cards XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, Citi has violated this provision of the FCRA. 
Due to Citis noncompliance with the FCRA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action. Citis actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e, 15 USC 1681s-2 ( 7 ) I am attaching copies of all relevant documentation, including the dispute letter sent to Citi and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against Citi Cards XXXX Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX CHARGED-OFF the account. which turned it to a Certificate of Indebt-ness and now becomes income. It is illegal to report income. 

OPT-OUT DEMAND To Administration, PER FCRA as a federally protected consumer I am now OPTING OUT of any, and all authorizations I the consumer may have given you ; written, non-written, verbal, or non-verbal. Per 16 CFR 313.7 ( i ), ( ii ), ( iii ), and 15 U.S.C. 6802
Product: Vehicle loan or lease

This complaint is in regards to a late payment that was reported by Wells Fargo Dealer Services onto my three credit reports. The late payment was reported XXXX of XXXX. However I want to note that my car that I had financed through them XXXX XXXX XXXX was traded in during the month XXXX and also made a payment on the account the day before I traded it in. So I know I wasn't 30 days late on the payment for XXXX. Wells Fargo even sent me an overpayment check a few months later in the amount of my last payment.
Product: Credit card

Midland Credit Management contacted my wife last XX/XX/XXXX, stating that I have changes of {$7000.00}. for a credit card open and charges were made to XXXX XXXX. I told them I had never opened a credit card or made these changes. I never heard from them until XX/XX/XXXX, when papers were served for me to go to court on XX/XX/XXXX. This is not fair ; it is not me. someone stole my identity. This has affected my credit score. I pay all my bills as displayed by my credit report. I called Midland today, and they put it in dispute. from our conversation, they were sending correspondence to the incorrect address at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, which the gentleman told me on the phone. This is not my address, and I never went there, I don't know anyone there. Today he will mail information for me to follow on what steps to take in the mail, he stated. I am waiting to take steps. In the meantime, I have to go to court on XX/XX/XXXX for something I didn't to. Please help me by taking any steps you can to resolve this matter. 
Thank you XXXX XXXX
Product: Vehicle loan or lease

I reached out to Ally for information on my payments because on my credit report its reporting as a charge off for early termination. I don't understand why i have been bill as all 39 payments were made in a total of {$21000.00}. Additionally when i spoke to the representative at ally she stated that the last payment made on the account was of {$27.00} on XX/XX/XXXX. Every time i speak to one of the collection agency that is taking care of the account which i believe have been two different companies they give me a different explanation to why I'm being charged. First is was for parking tickets under the title, second was early termination, Third late payment and now excessive miles and tear on the car. I believe that there payment statement is incorrect as its missing payments made to the account. Now every time I call Ally financial they forward me to the collection agency. It is very upsetting that I'm not able to speak to them in regards to the problem as i believe that the information that they are reporting its incorrect and its affecting my credit score.
Product: Student loan

I am on automatic payment and every month my student loan is getting withdrawn by NAVIENT ( P.O. XXXX XXXX XXXX, PA XXXX, Tell : XXXX automatically. I keep getting letters of Payment Reminder stating this : the payment for the Navient student loan referenced above is at list 10 days past do. I am getting sick of receiving this EVERY month about my student loan! When I called and talk to the Navient customer ; service he was rude and they keep telling me OH we will fix that, BUT letters of harassments never STOP and I am SICK of it?!
Product: Credit reporting or other personal consumer reports

I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying this issue.
Product: Credit reporting or other personal consumer reports

This will be the last time that I reach out to you all. This XXXX loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX  XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL XXXX OF MY CREDIT FILES NOW!
Product: Credit reporting

RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift, I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX, it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX, GA and she told me no. The dates I need the lift is XX/XX/XXXX to XX/XX/XXXX. XXXX waited until she got my credit card information and processed my card before she told me that the dates I need wo n't happen. This is not good customer service and I request the following : 1. That Equifax reinstate me to use the automated temporary freeze lift and not have to give my confidential information to to foreigners outside the United States. 
2. Mail me a confirmation to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX and that it has included me in the automated phone listing so I can once again access my own temporary freeze lift and not be sent outside the U.S. which is a major red flag in dealing with my personal confidential information. 
3. Allow me the opportunity to also conduct the temporary freeze lift online because It has also blocked me from doing it that way. 
3. Refund me my {$3.00} back to my card account because this is not my fault. 
4. Please reply back to me within five ( 5 ) business work days regarding my complaint issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my today 's attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. 
The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

In recent inquiries with USBank, I was denied the rights to have last name or operator ID number or even a reference or a claim number to follow up on my compliant. 

Also, you can't file a compliant in writing, nor you can call and file a complaint with their executive office. They are very talented in routing your call, without advance notice, back to the main XXXX XXXX number. I called on XX/XX/XXXX for info. regarding one of my monthly withdrawal, was very unhappy about what I heard and wanted to confirm info. I asked to speak with supervisor and was denied & as a result, asked to file a complaint and was told that my complaint was escalated to XXXX. XXXX REFUSED to provide me with hers or XXXX phone number, last names, operator ID or complaint reference ID. Regardless of the nature of the issue, a bank only provides verbal info. nothing in writing as they claimed. Also, their notes are written and viewed only by them, and the client is held liable for these notes even though he/she unable to validate or view them. On XX/XX/XXXX, I spoke with XXXX and XXXX who both rotated me to the main number ( check the calls ). I wasted more than 1.5 hrs to be heard. Online has created a one-way communication, they are in control of redirecting your call at any time without advance notice or justification for their action. They say what ever, do what ever, and the client pays the price. For example : once I said that I am filing a formal complaint with the gov. XXXX on from USbank decided to release Operator ID : XXXX after she claimed that she didn't have any.. Why the others refused to give any reference information. This bank customer services need to be investigated. A class action lawsuit is warranted. Help us.
Product: Student loan

I contacted Navient by phone on XX/XX/2024 asking for access to their School Misconduct Discharge application for private loans. I was told that since I had consolidated my loans elsewhere I would have to speak to my current servicer.

I already was qualified for my Borrowers Defense to Repayment for my federal loans and am aware of the Navient School Misconduct Discharge Application and would like one.

If the misconduct and fraud took place between my school " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' and Navient why would I seek discharge documents from my current private loan servicer?
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I found several fraudulent accounts see the attached complaint, FTC report.
Product: Bank account or service

I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.
Product: Credit reporting or other personal consumer reports

I have been trying to get this Derogatory off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit card or prepaid card

This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Debt collection

I requested my annual free credit report noticed so many charges from portfolio recovery associates I called them numerous times they just demanded money. I requested a debt validation letter several occasions over the phone and finally through the mail and still no response. What I do see is that they will randomly add new items and delete and vice versa, but 30 days since my request for a debt validation have passed and still nothing so Im demanding they remove all alleged debts.
Product: Debt collection

To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
Product: Credit card

Sir/Ma'am, Citibank claims to have paid the vendor - XXXX ( a business based out of XXXX XXXX , Florida, XXXX XXXX XXXX, Contact : XXXX XXXX XXXX XXXX ), {$980.00} on my behalf through my credit card account in XXXX 2015. 

They paid the vendor initially through my credit card account ending with XXXX, then reversed the amount when I disputed it. Then they closed the account ending with XXXX and provided me a new card ending with XXXX. 

Subsequently, they charged the full amount of {$980.00} back to the account ending with XXXX. 

The vendor who owes me a refund of the full amount ( {$980.00} ), claims that Citi Card never paid them the second time after reversing the charge the first time. I have been calling up Citi Card customer service for the past 5 months to get proof of payment made to the vendor so that I can submit the proof with the vendor and receive my full refund. I have already paid Citi Cards as part of my monthly payment. 

Citi bank refuses to provide any sort of proof. They keep hoodwinking me after making me jump from one person to another and making me wait on the line for 45 minutes to one hour every time I call. They claim that they will email the proof to my email address and they never send it. And they refuse to stay on the line until I receive the email. They promise me that someone will call me back and no one does. 

It 's been five months and I have no clue where my money is ( {$980.00} ). 

Citi bank tells me it is with the vendor 's holding bank ( XXXX XXXX XXXX : XXXX XXXX XXXX ) and the vendor, XXXX, tells me their bank never received the payment from Citi. 

I have, frustratingly, been patient with both the vendor and Citi bank for the last 5 months and I 'm coming to you as a last resort. 

If Citi bank can provide me or the vendor with proof of payment, then I can receive the refund from the vendor. 

The vendor also asked me to ask Citi bank to open a formal investigation with their compliance department but Citi refuses to do so. 

They even refuse to provide me with a case number and I have to explain the situation every time I call to every person that my call is transferred to. 

They have harassed me for the last 5 months and have not been straight forward or helpful. 
Thanks & RegardsI demand that Citi resolve this issue immediately and help me in getting my money ( {$980.00} ) either through a refund from the vendor or recompensating me directly, depending on which party has my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

your company IS STATING that you contacted the furnisher of the information or the vendor that collected the information from the " court '' I reached out to the court AND on XX/XX/XXXX THEY SENT ME A LETTER WHICH IS ATTACHED BELOW and they stated they DO NOT SUPPLY OR VERIFY MY INFORMATION WITH ANY VENDOR, THIRD PARTY OR CREDIT BUREAU. PLEASE TELL ME WHERE YOU ARE GETTING YOUR INFORMATION FROM WHEN THE GOVERMENT / COURT IS STATING THEY DO NOT SUPPLY INFORMATION OR VERIFY ANY INFO. 

XXXX XXXX XXXX, 9th Edition, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 



What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 



You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


equifax follows the same practices as you do which is why they removed both public records due to not being accurate and not being able to verify the information
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM GM FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.