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

On XXXX  XX/XX/XXXX, I had lunch at XXXX XXXX in, XXXX XXXX, CA. I handed the server my credit card to pay which took him some time to bring it back to me with the receipt. I had not used my card anywhere else for almost a month after that. About 3 weeks later, I logged in to check my online account but the system asked me to update my password. I tried to update to a new password as requested, but the system would not approve the new passwords regardless of the number of attempts over the course of several days. The first week of XXXX, I attempted to log in again, and the same issue to update the password persisted. I contacted Citibank, where the representative tried to verify my account by validating specific transactions. I was surprised by the transactions she mentioned as I did not make them. The rep recommended closing the account and sending a replacement card with a new card number/ costco membership. I activated the new card on XX/XX/XXXX, where I was able to update to a new password to log into my online account. I was shocked to see that my credit card had been abused from XX/XX/XXXX to XX/XX/XXXX, where numerous charges at physical stores were made, maxing out my limit. During the span of XX/XX/XXXX to XX/XX/XXXX, Citibank never sent nor did I receive any fraud alerts ( texts, emails, phone calls ) ; nor did the credit card get blocked from the abnormal activities. The person also paid multiple times at different time frames for online identity/people searches, which makes me worried about my identity getting stolen. I am seeking an investigation into this financial crime to solve our dispute with Citibank and to find this credit card fraud abuser who was able to get a copy of my credit card and account information. As of XX/XX/XXXX, I contacted Citibank, where the representative stated that there was a card activation of the old card number ending in XXXX on XX/XX/XXXX. I am uncertain as to why Citibank would activate it again. Citi bank has failed to investigate this fairly, and arbitrarily declined all of our disputes stating that we are liable for all charges due to card still being in posession. In the age of information, many credit card abusers can make a copy of a EMV chip, steal credit card numbers and personal information from thin air. Citibank/ Costco did nothing to protect me from this fraudulent grand theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a double deduction of my credit card on my on-line bank statement. I immediately called Bank of America Visa to get this fixed. I was told that since it was in pending status, I would have to call back when it cleared the bank. I called again on XX/XX/XXXX when the double credit card payment cleared my bank, and after a 30 minute wait the person I spoke to said I had the wrong dept and would transfer me the correct dept. After another 30 minute wait, the representative I spoke with said I would have to wait another 3 business days to call back and get the funds reversed. This is the 2nd time BOA has done this to me. I worked closely with the BOA rep assigned my case to make sure this wouldn't happen again. And on XX/XX/XXXX I had a detailed 49 minute conversation with Mr XXXX, Ms XXXX, and technician XXXX to confirm a double deduction would not happen for the XXXX payment due on XX/XX/XXXX. The technician even logged onto my computer and assured me that BOA would not double deduct for the this payment. He was wrong. Since this same situation happened on XX/XX/XXXX and there were multiple conversations to get it fixed permanently, I assumed the original issue had been corrected. I was wrong. It doesn't surprise me though based on the different answers I get almost every time I call BOA.
Product: Debt collection

I am writing to formally dispute the inaccurate information reported on my credit report concerning the UPGRADE INC account ( # XXXX ). This account is listed as a charged-off account with a balance of {$8200.00} and an amount of {$7300.00} written off. The details provided are inaccurate and misleading, and I am requesting an immediate investigation and correction of this information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. The information being reported does not accurately reflect the account history, and I demand verification of this debt. Please review and respond based on the following FCRA requirements : Section 611 ( 15 U.S.C. 1681i ) Under this provision, credit reporting agencies must conduct a reasonable investigation of disputed information. If UPGRADE INC can not provide verification of the debt, this entry must be promptly deleted from my credit file.

Section 623 ( 15 U.S.C. 1681s-2 ) This section imposes responsibilities on furnishers of information to provide accurate data. Reporting an account as " charged off '' and past due without substantiating evidence or proof of the original account agreement is a violation of my rights. I demand UPGRADE INC furnish documentation confirming the validity of the reported debt, including a signed agreement and payment history. 

Section 609 ( 15 U.S.C. 1681g ) I request that you provide all relevant details and documentation on the source of this account, including any communications and documentation from UPGRADE INC that substantiate the charged-off status and balance. 

If the accuracy of this debt can not be verified in accordance with FCRA standards, this account must be removed from my credit report. Reporting false information is not only damaging but also unlawful, and failure to act upon this dispute may result in my taking further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies.
Product: Debt collection

Wilmington Savings Fund Society through the XXXX XXXX XXXX filed a lawsuit case No XXXX in the XXXX XXXXXXXX For XXXX XXXX Maryland by use of an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX alleging that they requested a default judgement against me regarding alledged loan documents that were not signed properly on a personal debt with XXXX XXXX XXXX, which would cause them not to be able to collect said debt. I do not owe them any such debt. I believe court action is a tactic to create a false reason for me to get sn attorney and plead a response to an action that had been XXXX by XXXX over 20 years ago and is fraud and is an abusive collection tactic whereby the debt collectors is intimidates using XXXX court papers from someone named XXXX mailed XXXX XXXX XXXX XXXX XXXX California XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

On XX/XX/XXXX I received a letter stating that I had a {$320.00} shortage on my Escrow, if I did not pay that shortage, my monthly payment would change, I went ahead and made the payment, but then the company continues to bill me the higher amount stating that I have an escrow shortage, which I already paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiries on Experian report : XXXX XXXX  XXXX XXXX on XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX/XXXX  on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX/XXXX XXXX on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX
Product: Debt collection

I was called over a year ago in XXXX of XXXX after a hospital visit XXXX months prior and was told I owed {$1100.00}. 
I called the hospital who the debt claimed to be from and they said that my payments were complete and that they had nothing on record saying I owed any money and it may be a scam. 
A year later in XX/XX/XXXX, I noticed negative marks on my credit score and managed to log into the collectors site. 
I never received any form of mail or email and no other phone calls. 
When I called them, I was told they did not send email verifications and that there was nothing to send in the mail since they had already done so many times. 
I was also told that the majority of the charges were because of late fees, etc. 
This debt is from another state and I have moved since then but never received any mail or other notifications since.
Product: Credit card or prepaid card

my late wife XXXX XXXX had a double cash awards card in her name and my name XXXX XXXX as her spouse. she passed on XX/XX/2022 and had cash awards due her in the amount of {$580.00}. I have been trying unsuccessfully since approximately XX/XX/2022 to collect the awards and citi double cash awards card refuses to pay. I was told the cash was forfeited when the account was closed by a letter I received on XXXX XXXX. 
I have made numerous calls and have been lied to by all of the representatives I conversed with. the last four representatives told me I would receive a letter stating I would receive a check and then the check would be mailed shortly and of course I have never received a letter.the last one I spoke with was on XX/XX/2022. two of the representatives told me the check was in the mail. 
I complied with all their requirements they requested by mailing a copy of the will and a death certificate. they stated they did not receive items. I then faxed a copy of the will and the death certificate and one representative stated they had them. I was told when I closed the account I would be receiving a check that was due me.
Product: Mortgage

In XXXX I cosigned with my daughter House and when we closed a mistake was made. According to the recorder of deeds in XXXX XXXX there was two parcels one parcel was the garage only and the other parcel was the house. At our closing we were given the garage deed only and we signed that one. Due to medical issues with my daughter she was no longer able to pay the mortgage. I tried to sell the house three times The very last time I was told about a problem with the title. I started contacting the bank that held our mortgage XXXX and Loancare to tell them there was a problem I even spoke to a manager about it. And I advised them if they were going to foreclose on The property only the garage was in our name. They started for closure in XXXX they sent a preservation company up that started working on issues in the house and at that time no one shouldve been in the house. I have been in constant contact with them they have charged {$8000.00} in fees and the house did go under contract in XXXX of this year even then no one should have been on the property. The property was still deeded to the original owners not us and not Loancare they were very well aware of it I made multiple phone calls. The house was sold and closed on XX/XX/XXXX and on that day we got the deed fixed just one week before that closing. I have multiple emails asking that they adjust the fees due to the fact they didnt have a valid title to the property to the house. I had to put out {$2700.00} of my own money to close the house and they said that they would look into reimbursing me that much I didnt even get that. I have made formal complaint through Loancare through their legal department as well. Like I said I have multiple emails and pictures of work that was charged and not done right the preservation company charge over {$3000.00} alone. I feel that the feed the foreclosure fees should never have been to anyone because I have a problem with why they would for close on a house that did not belong to them or to us. I have plenty of documentation if you need that but I want to go ahead and file this complaint against Loancare LLC thank you
Product: Credit card

Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me
Product: Payday loan, title loan, or personal loan

Hello. Evergreen services has gave me an illegal APR on my payday loan. In the state of IN anything over 36 % is illegal and theres is 844.46 %
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. 
XXXX  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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason of error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 
15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

This company is harassing me. I have proof of my phone records, today Saturday XXXX 2022 they have called my phone XXXX  times in less than an XXXX  to collect debt. They called at XXXX, XXXX, XXXX, XXXX. If this isnt harassment to collect a debt I dont know what else is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Late 120 Days : Balance : {$0.00} Account Name XXXX XXXX : Account Number : XXXX : Balance : {$340.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX KXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I was a victim of Equifax. Data breach and inaccurate information needs to be removed. And the following account. 

Per attached screen shot I did not reside here at the time of this account.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX I have a auto loan with American Credit Acceptance back in XXXX and it was repossessed and dropped my credit score and is still on my credit report after the came and got the car and sold it I was told by the company to pay XXXX $ dollars in order to get the car back but I didnt have that kind of money back then so I just let them keep the car now Im unable to get get any car from a car lot because I have a repossession on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus.

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has XXXX taken it upon themselves to deny my request. 

This weekend I received a post card from XXXX, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked XXXX to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from the credit bureaus.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Debt collection

On XX/XX/2019 at XXXX, I received a phone call from a representative at XXXX XXXX XXXX to a late car payment that was due XX/XX/XXXX. I assured the representative that I would make the payment. At XXXX on XX/XX/XXXX, I receive a phone call from the same representative. I asked her not call my phone and that I would pay when I have the time since I was at a meeting at my daughter 's school. She called back from an unknown number at XXXX, which I answered and hung up after hearing the representative 's voice. I have missed calls afterwards from a private number at XXXX. Three calls from XXXX at XXXX. Three more private calls at XXXX. There were also calls made to my fiancee 's phone while he's at work. After the parent meeting, I called back to speak to a supervisor. Their major concern was the late payment of {$100.00} out of {$160.00}. The measures taken is not necessary and is ever necessary. This is not the first issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian & XXXX were all unable to provide me with my free online credit report.