23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
Product: Checking or savings account

I made {$4900.00} this summer for my job at a local elementary school, I then deposited a check from my mother ( {$10000.00} ), and the account was closed on XX/XX/year>, without explanation. It took me XXXX phone calls to finally find out why and when I did they claimed they couldn't find out where these funds originated from, even though my mom has a lot of proof for where she got it. She was a victim of XX/XX/XXXX and had waited XXXX  years to get entitled to her victim compensation finally. I was promised a check from Citibank, including all the funds that were already on the account prior to its closure after XXXX weeks. They claimed a check would come at a maximum of XXXX days. It's now been XXXX days and I'm at risk of getting kicked out of my college for not being able to pay for this semester, and I'm at risk of getting kicked out of my apartment as well, given that I am unable to pay for it. Not to mention that I've had no money for food and have been relying on a free food service provided by a company that works with my school. This entire situation has caused so much distress and Citibank won't give me any numbers for any higher-ups to explain the situation. After searching the web I discovered that Citibank has a reputation for closing accounts wrongfully because their fraud protection service is completely carried out by XXXXXXXX XXXX. This is extremely concerning and I would love it if you guys could help me with this issue.
Product: Credit card or prepaid card

I initiated a call to the bank on XX/XX/XXXX to complain about the excessive interest ( XXXX % ) that has been charged since inception. The bank called and left message for me on XX/XX/XXXX and XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with a manager at bank and was told nothing could be done regarding the interest rate. The average rate currently charged by credit card companies is XXXX % ; Barclay 's rate is XXXX % or XXXX % points higher than average rate. Barclay 's lending is predatory - they have extremely high interest rates coupled with extremely high credit limits. Virtually all cards now offer rewards so the fact that this is a reward card does not justify such a high interest rate. My current balance is {$34000.00} and most recent monthly interest charge was {$720.00}. The credit limit is {$42000.00}. I have been a cardholder since XXXX. The bank made absolutely no effort to address my issue other than allow me to talk to a manager.  They did not want to know specifics about my issues other than to tell me that the Bank isn't currently lowering rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the XXXX items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filed XXXX XXXX in XXXX to save my home. During that time I also applied for a Loan Modification in which I was approved as of XX/XX/XXXX. The letter said that the modification should be final within three months. I have made the three trial payments under the contract. During this process I converted my bankruptcy to a XXXX XXXX ( the house is no longer included XXXX. I have called HomeloanServ each month asking when they will finalize this modification and no one ever has any answers for me. They are always I don't know what to tell you. Someone will call me back and they never do. I spoke with XXXX in mid XX/XX/XXXX she said they are waiting on paperwork from the bankruptcy trustee. I advised them that my attorney XXXX XXXX said that they will not receive anything from the trustee since I am no longer in a XXXX and they are not included in the XXXX. They have refused to finalize the modification and have refused to give me any answers. My XXXX is to discharge XX/XX/XXXX and my attorney need affirmation of debt which they have refused to provide. I called again today and once again was told by the representative that she had no answer for me and she did not know what to tell me and would have a supervisor call me back XXXX who is very rude by the way ) and never returned my call from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX
Product: Credit card or prepaid card

I initiated merchant disputes with XXXX on my XXXX credit card for two charges, {XXXX} and {XXXX}. 

I ordered tickets for an event on a specific date ( XX/XX/2021 ) and was NOT provided with those tickets. I called XXXX 's credit card customer service number ( Synchrony Bank ) and initiated a merchant dispute on Sunday XX/XX/2021, explicitly for XXXX  Chargeback Reason Code 30 : Services Not Provided or Merchandise Not Received. 

I was then rebilled for both charges. I called multiple times for them to insure these disputes went to pre-arbitration and arbitration. 

The timeframe for the XXXX  disputes has long expired. Synchrony Bank has NOT provided permanent credits for the disputes, and the charges remain on my balance. 

This is a violation of Reg Z, and is a deceptive and unfair practice to not provide me with a permanent credit for these disputes.
Product: Debt collection

Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.
Product: Checking or savings account

I had an account with Wells Fargo a while back and I had over XXXX in the account. That account was used to save money so I hardly checked it but when I did go and check it, all my funds were removed. No one at the bank can or wanted to tell me what happened to my money. Until this day, I have no idea what happened to my funds.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # FTC Report Number : XXXX attached ).
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 


XXXX XXXX XXXX Account # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX  SEC # XXXX DOB XX/XX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section XXXX ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within XXXX business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX
Product: Student loan

I had a monthly payment of {$45.00} due to income based repayment. When I was close to graduation the company changed the payment to {$1500.00} a month. I had applied for income based repayment but they had not processed the paperwork. I sent the paperwork in XX/XX/XXXX. They did not inform me the paperwork was not received until XX/XX/XXXX. My payment went from {$1500.00} to {$21.00} for 2 months, then it was put in forbearance. In addition, they consolidated some of my loans but not others. I was told all loans would be consolidated to correct the company 's error in XX/XX/XXXX. I started to receive a $ XXXX monthly bill for one loan in XX/XX/XXXX. I received a {$310.00} bill for a different loan in XX/XX/XXXX. You write and you are told that department can not help you. You call and you wait on hold for 45 minutes to be hung up on. If you do not talk to the same person, you do not get the same information. There are no records of anything and there is no explanation as to why a payment would increase to 10 times what you paid before when your income did not increase.
Product: Checking or savings account

An XXXX account reached out to me asking to be my sugar mama and I agreed. This account then proceeded to send me a check of {$4400.00} on the XXXX of XXXX. I deposited the check into my account, I then called my bank to see if the check was fake because it was kind of suspicious but, my bank Confirmed then check. After confirming the account asked me to send them {$3900.00} and keep {$500.00} for myself. The same thing happened on the XXXX and the XXXX. On the XXXX however before I could send all the money too this account I received an email from my bank informing me that my account is being closed because the checks were fake. And I had already sent this account about {$7800.00} in total. This account never got back to me after that. I tried settling the issue with my bank but they told me they couldnt do anything about it.
Product: Money transfer, virtual currency, or money service

Since XXXX paypal send the Permanently band my account but i have a balance XXXX and he closed permanently my account i always using that account in my online business service in digital online, service money transfer international.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. Reviewing my credit reports, I noticed some accounts that I'm unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided due to my information being exposed. I have submitted an FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of my ID, the FTC complaint, A copy of the XXXX report showing my information being exposed in a national database, and a XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that do not have permissible purpose to be there. These hard inquiries are hurting mefor getting approvals for credit. I have reached out to multiple agencies about this and the issues hav not be resolved. My rights are still in violation under 15 USC 1681B. Iam attaching the hard inquires in question that have no purpose on my credit report.
Product: Debt collection

Good morning, I am writing because I received a letter from you about a payment of {$35.00} which I am not sure I have not paid and in which it refers to a laboratory service, since these services are ordered to be performed by my primary physician and in general, the co-payment is always canceled at the time of taking the exams. I have no information about this since they changed my lab for these tests. Perhaps I did not receive the collection receipt since I was away from home for a while and they could have thrown it in the trash. Actually, I do not know. but I do know that I have made all my payments. I think I missed this one ... and I really don't have any billing notification from XXXX XXXX and I don't really know why these tests wouldn't charge me at the moment. 

I await a response on this inconvenience to give it a quick solution
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I sent my FTC report.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE : XXXX XXXXXXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX OPENED : XX/XX/XXXX CAPITAL XXXX # XXXX XXXX. XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting At XXXX  Account # XXXX as 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: Debt collection

Attempt to collect debt for towing on a vehicle I no longer own. Was granted to ex-husband in divorce in XXXX, debt is for XXXX. As of XX/XX/XXXX I was no longer legally responsible for this vehicle. Ex-husband apparently failed to file release of liability when he sold the vehicle.
Product: Debt collection

I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon validation and proof of claim but its not mine and there's no way for you to validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am the indeed party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay it. I am requesting that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation here are a list of required documents. 
-complete payment history, the requirement of which has to be established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ind. App XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much items was, were. when the goods received, etc. ) for the entire amount you say I owe obtained directly from the original creditor. 
- date of last activity- my full and complete and correct social Security number that may  help to identify me as the correct person you are trying to collect from. 
-agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
- The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money you claim I owe. 
- Proof of photo identification driver 's license or any other gov issued id ) that was presented to you at the time of incurring this debt. 
- letter of sale or assignment from the orgiginal creditor to your company. XXXX XXXX, XXXX XXXX sure you know under the FDCPA section XXXX [ b ], you are. not allowed to pursue collection activity until this debt is validated, you should be made aware that in XXXX v. XXXX corporation, XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX ) the court ruled that reporting a collection account is indeed considered collection activity.You should also note this is not a request for partial validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of the debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward for an resolution of this matter. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX