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

Called Citicards ( Citibank ) to close out an unused account that is in good standing with a {$0.00} balance. I did not have a phone number that they could verify so they would not let me close the account. I have a cell phone only that they could not verify. They suggested I give them a number of a relative with a landline so they can send me a verification code. I provided my SSN and all of the proper security questions but they said I needed to have a verified phone number. I do not have anyone to call to have a verified phone number. All I want to do is close the account. I called two different times and spoke to supervisors but they told me until I get a verified number, there is nothing they can do. Very frustrated and need some help.
Product: Debt collection

Omni financial keeps reporting that I owe a ridiculous amount of money. The original loan wasnt for the amount they are reporting however they keep reporting that I owe them over XXXX XXXX  In XXXX last XXXX they reported I owed them XXXX and now they say XXXX when this loan has been closed for XXXX. They also keep reporting that my payment is late every XXXX drastically ruining my payment history on my credit report when this account has been charged off for over XXXX XXXX!!! It is fraud to report that I am late more than XXXX XXXX and ruin my payment history. This company is fraud and takes advantages of soldiers. They were also involved in litigation for over charging soldiers. They also are charging XXXX XXXX interest instead of the XXXX XXXX mandated by XXXX. Frauds!!
Product: Prepaid card

On XX/XX/year> I purchased insurance through XXXX XXXX XXXX for, {$20.00} and {$450.00}. This was for automotive I was purchasing from a used car lot. I went back the next day to take possession of the car I was purchasing and was told they sold it to someone else. I never took possession of the car. The insurance company stopped the insurance on XXXX XXXX when they tried to take an additional {$200.00} out of my account. That's when I called them and explained what happened about never taking possession of the car. Originally they weren't going to back date the insurance they sent me a check for {$84.00} instead of the {$450.00}. That's when I disputed the charges with Chime. As soon as I disputed the transaction I spoke to the insurance company and they said Chime had the money back that I needed to send them the {$84.00} for the check that was originally sent to me. Then we'd be even and th transaction would be over. Well Chime has had my money for over a month my now. I've asked for updates, I've inquired numerous times to chime about the money and can't get any answers at all. I don't understand. How they could give me the, {$20.00} back the next day but the {$450.00} they're holding it n to for months now. WHY? If they were really investigating these claims and they were together made at the same time same date to the same company how can they return one right away but hold up the other one for months especially around XXXX time. I'm homeless, jobless, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I could really really use my money back. It would be a big help to me and my family. 
I appreciate you looking into this for me, thanks.
Product: Vehicle loan or lease

On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days. 

I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.
Product: Credit reporting or other personal consumer reports

My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have significantly disrupted my life, causing substantial distress and anxiety. As an identity theft victim, I must emphasize that I never authorized or consented to have this information associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I have a XXXX XXXX by Synchrony Bank that I have recently been using for business expenses. This month XXXX 2023, I made payments of {$120.00}, and {$500.00} towards my account, before my scheduled due date. The Creditor applied the {$120.00} payment to my balance and allocated it to my available limit, the {$500.00} payment they received from my bank on XX/XX/XXXX, said they applied it to my balance but refuse to update my credit limit accordingly, stating they are " holding the payment '' until the XXXX of this month. My argument is I was not paying late, I was trying to pay my payment early when I received the funds for the goods I purchased and subsequently retailed. There is no grounds to hold the payment towards my limit, their argument was that because I was new customer they can hold payments arbitrarily due to bank holds, but the payment of {$120.00} was made in the exact same manner and with same bank account. Their next argument was that it was because it was a large payment, no where in their account paperwork does it state that they would hold account payment due to the size of the payment made, nor is it laid out that any payments made within the first 6 months are subject to be held. 
This is a very predatory practice to withhold paid funds from a credit account for any arbitrary reason, it is having a major effect on the cashflow of my business and causing me undue harm for paying WELL more than my required payment and them holding it for more than 2 weeks. The everyday consumer is paying the price for their " Anti-theft System '' that is not laid out in their agreement or application. Broad strokes their paperwork they send you after you apply say they can " hold Payments for any reason '', funny how the consumer doesn't have these same protections.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the TransUnion, XXXX and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/XXXX  has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by TransUnion, XXXX and XXXX. This action is a clear violation of both XXXX and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to TransUnion, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that Transunion cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Illinois XXXX Date of Birth : XX/XX/year> SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXX XXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/year> I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the
actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute.

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and I did not do or authorize these inquires
Product: Debt collection

My parents contacted me and told me that someone from Miller Stark Klein said they were trying to find me for a court summons. I tried to make contact with the company the same day and they did not answer. The following day, I tried to contact again and spoke to a XXXX. XXXX stated they had information about $ XXXX of debt from a bank account I do n't use in a city I havent lived in for a decade. When I questioned the authenticity of the claim, she got upset and implied there was nothing I could do to resolve the issue. At no point did they ask for any current contact information or where I even currently live, just that I pay the money. When I asked for paper documentation of the records they have on this case, she stated I could take it up in court and hung up on me- without providing any information or even asking for where I could be contacted.
Product: Debt collection

North Shore LIJ Medical Center ( " NSLIJ '' ) has referred me to a collection agency for amounts that they never invoiced me. 

On XX/XX/XXXX, my daughter had a procedure done at NSLIJ. The billing was processed through our insurance, and we verified our personal information and our insurance information on the day of the procedure. 

On XX/XX/XXXX, I received a call asking me to call NSLIJ. I spoke to a representative of NSLIJ on XX/XX/XXXX and was notified that I had not paid the amount I was responsible for, after insurance payments, for my daughter 's procedure on XX/XX/XXXX. I informed the representative that no invoice was ever sent to me. I also confirmed my billing address. It should be noted that the NSLIJ representative did not inform me that there was any issue with my billing address. 

In the second week of XXXX, I received the letter from NSLIJ dated XX/XX/XXXX claiming that " Despite several bills, letters and telephone attempts we do not understand the reason why this balance is still outstanding. '' The balance noted in the XX/XX/XXXX letter is {$300.00}. No invoice for this amount ( or any amount ) was sent to me following the XX/XX/XXXX phone call with NSLIJ. 

On XX/XX/XXXX, I called NSLIJ to inquire about the XX/XX/XXXX letter. The NSLIJ representative informed me that NSLIJ had been sending notices to an address that I have not lived since XX/XX/XXXX. The NSLIJ representative had no explanation for why they were sending invoices to the wrong address ( and one that I had not lived in for 10 years ) since I verified my address on multiple occasions including ( i ) on the date of my daughter 's procedure ; and ( XXXX ) on my phone call with the NSLIJ representative on XX/XX/XXXX. The NSLIJ representative said they would send an invoice in the mail now. 

Shortly thereafter, I received XXXX invoices dated XX/XX/XXXX from NSLIJ - XXXX for {$300.00} and XXXX for {$230.00}. I paid both invoices in full on XX/XX/XXXX by phone. 

On XX/XX/XXXX, I received a letter from a collection agency - XXXX & XXXX - dated XX/XX/XXXX for {$39.00}. 

It is outrageous that NSLIJ has referred me to a collection agency for an amount that they never billed me. I repeatedly informed them that they never sent me invoices and requested that they send me invoices so that I could pay any amounts owed off of the invoices. They admitted that they were sending bills to the wrong location. They repeatedly assured me they would send invoices to me. They sent me XXXX invoices which I paid in full. Now they have referred me to a collection agency for this amount which they never sent me a bill for. 

I take great care to maintain an excellent credit rating. I do not want my credit rating to be adversely affected by NSLIJ 's mistakes and improper referral of me to a credit agency.
Product: Debt collection

I made a complaint about this company before and I am now seeing the agreement they attached to try to validate this debt as mine. I do not see a signature on that paperwork so the debt could very much be anyone else.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Payday loan, title loan, or personal loan

I have applied for a personal loan for XXXX dollars on XX/XX/2018. I advised the loan officer that it was to help my sister to get her back on track with her mortgage while her husband is battling with XXXX. The application was taken and process. 

On XX/XX/2018 at XXXX XXXX i received a call from the underwriter stating that she can not approve me for the whole amount but a counter offer will be submitted and I was to hear back from the bank. 

On XX/XX/XXXX I called to see what was going on at my local bank and no one was willing to talk to me. I got a hold of another underwriter at XXXX who told me that " We do not do loans to help pay off mortgages '' I was in shock!! They made me a 2nd counter offer after I was advised that they do not approve anyone to help pay for real estate mortgage payments. I asked them to return my points back to my FICO score for not disclosing the truth from the beginning and they refused. Had I known this I would have never applied for the loan. 

This is FRAUD and this information should be disclosed in its ENTIRE so as a consumer can make a proper decision. This is absolutely misleading. 

Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$86.00} XXXX  XXXX XXXX {$1100.00}
Product: Checking or savings account

On XX/XX/XXXX at XXXX I deposited anywhere from XXXX ( I counted it before I left but not right at the atm ), the atm said unable to read bills ate my money and only spit out two bills ( a {$100.00} bill and a {$20.00} bill ) and said would you like to do another transaction. I said yes and redeposited the XXXX thinking the whole amount will reflect on my receipt. It was not only the {$120.00} was. I am on camera putting in a stack of cash and only getting two bills back, also on camera saying hello is anyone here the atm are my money then I sit in the atm room for an hour on hold with the claims department. They keep denying my claim and are refusing to look at the atm footage. The supervisor today of the claims department refused to give me his last name but his name is XXXX and he is the supervisor at the Citizens Bank contact center in Pennsylvania. The actual bank which is on XXXX XXXX XXXX ny. They said they can not review the footage but the claims department can. I asked XXXX of the claims department to do that and hes refusing. Im not sure where else to go so I decided to escalate it to here because he refused to give me the corporate office number or let me speak to his superior. Citizens bank has taken atleast XXXX dollars from me. Ive reached out to them maybe 20 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$1800.00} as of XX/XX/XXXX Monthly payment - Original balance {$2000.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX  days XXXX Past due XXXX  days XXXX Past due XXXX  days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  days past due as of XXXX  XXXX XXXX XXXX past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Historical info Company sold XXXX XXXX XXXX  Balance history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional infoThe original amount of this account was {$2000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Comment Current : Purchased by another lender. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : XXXXXXXX XXXX XXXX  Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  Date XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Identy Fraud to Wells Fargo Auto numerous time I have sent them a copy of the police report and they still have it on my credit