23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I requested a balance transfer from my XXXX XXXX  account to my XXXX account on XX/XX/XXXX. The transfer was sent to Citi Card, which I have no accounts with. 
I received a letter from XXXX XXXX XXXX around XX/XX/XXXX noting that my request form balance transfer to CIti Card was in process. I called Card Member Services to notify that I wanted the funds to go to XXXX not Citi Card. They indicated they could not help me. I called back a couple of days later and a XXXX agent was able to help me with seeing if they could put a stop on the check. It was too late as the check had been cashed a day earlier. They did send me a copy of the cashed check which took XXXX working days to get. 

Between that time Citi Payment Investigations sent a form to XXXX XXXX XXXX, which issued the check for funds transfer. XXXX XXXX forwarded that form to Card Member Service who in turn forwarded that form to me to fill out and return directly to Citi Payment Investigations. 
I returned the form to them on XX/XX/XXXX via certified Mail which USPS tracking indicated they received on XX/XX/XXXX. 
To date I have not heard from Citi and calls into XXXX, CIti and Card Member Services have not resulted in any action. The
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute and remove the South Carolina student loan accounts. They are extremely old
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.
Product: Credit card or prepaid card

I am furious. My credit card numbers were stolen and 58 fraudulent charges were made on my account ( {$3300.00} in total ). I promptly advised Citi of the theft. I spent over an hour on the phone going over the false charges and was assured they would cancel/reverse the fraudulent charges. A replacement card was sent out and Citi immediately cancelled the card. 

A week later Citi had a person call me who spoke absolutely no English. I tried to go over the charges/fraud again. He did not understand a thing I was saying. Despite my repeated requests, he refused to transfer me to someone who spoke English. Finally, I told him to have a supervisor who speaks English call me or send me in writing any further requests for information that they needed. He hung up. 

When no one contacted me by phone or letter or asked for any supporting documentation in the next 3 weeks, concerned, I checked online. Citibank had failed to put in dispute a single one of the charges I had spoken to two fraud specialists about ( and had cancelled my card because of ). 

I then spent an entire day submitting my dispute online on XX/XX/2021. I told Citi in the disputes online that I was mailing all of the supporting documentation to show fraud. Instead of doing any investigation, 3 days after I submitted the dispute and before they could have even received my documentation, they falsely stated that I had failed to respond to their ( non-existent ) request for information. 

I have copies of everything. This is where I sent the documentation : Fraud Investigations/ Dispute Resolution Citibank XXXX XXXX XXXX XXXX XXXX KY XXXX I provided them with a complete list of all fraudulent charges, all of which were easily traceable to other people ( train tickets even had names on them and all the furniture and XXXX charges had to be delivered somewhere ). I also attached the official XXXX XXXX of all of my account charges for the relevant time period so that they could see valid charges vs fraudulent, e.g. not charges made from my account. I provided a sworn attestation and agreed to fully cooperate in their investigation. 

It is unbelievable that they did no investigation at all. I will be closing all of my accounts with them and switching to a different bank card. This company 's willful disregard of teh law or gross incompetence is outrageous. I have never had this problem with XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

General Revenue Corporation has done everything in their power to fight me on removing this from my credit file, this debt collector bought this from someone else and listed on my credit on XXXX as the open date XX/XX/XXXX XXXX. They have a lot of inaccuracies on this account and I never attended the school. Then I have XXXX XXXX XXXX I have reached out to the credit bureau many times and filed many disputes, and there is XXXX  another collection agency, on my credit I have contacted the credit bureaus and agencies because all 3 of these are resold accounts with inaccurate information and they change the information on my credit each month, the things they are going against the law 15 U.S.C S.1692d
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.
Product: Credit card or prepaid card

I saw an online advertisement for US Bank with 0 % interest for 24 months period back in XXXX XXXX XXXX I applied with the goal of doing a balance transfer XXXX XXXX XXXX  and got approved. I initiated the transfer on the same day as I applied, carefully reviewed my application, and did not see any mention of any additional fees. 

It took US Bank almost a month to complete the balance transfer, which was posted on XX/XX/2022 and at the same time {$150.00} " Transaction Fee '' was added to my US Bank credit card balance. 

I called US Bank XX/XX/2022 and asked for the removal of the {$150.00} " Transaction Fee '' and was told by the customer support 's supervisor this fee can not be removed. 

I see this as a potential violation of Unfair, deceptive, or abusive acts and practices ( UDAAPs ) Dodd-Frank act, where the bank is not clear and upfront about additional fees in their advertising and application practices. 

I would not have applied for US Bank 0 % credit card if I knew " Transaction Fee '' will be assessed.
Product: Mortgage

Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.
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 Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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: Money transfer, virtual currency, or money service

The Grain App systemically removed my banking information and would not allow me to add information. I have tried numerous ways to remedy this issue. I have called Grain customer support with no response since XX/XX/2021 and emailed their customer support a numerous of times without the option to speak with anyone to get help. This problem has led to me having several late payments on my account and credit report. I am only able to pay my account by them sending one-time payment links after they erroneously report me late without correcting their payment system. My account is currently paid in full and no payments were ever late, yet they are still reporting late payments.
Product: Credit reporting or other personal consumer reports

I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft
Product: Vehicle loan or lease

Last year of XX/XX/2020 my car disabled and I dont know whats wrong so I decided to fix it and spend a XXXX of money and I found out that they put a tracking device to disable the car without my notice and evading my privacy. They repossessed my car and the two repo has no mask while they talking to me last two week and no papers to provide. I paid {$500.00} to my loan last XXXX and I miss payments on XXXX coz of covid. Im about to make payments on XXXX but they repo my car on the XXXX and my due date is on XXXX XX/XX/XXXX.
Product: Debt collection

Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..
Product: Credit reporting or other personal consumer reports

This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809. You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX Their website will not allow you to update incorrect information on my personal credit report. 
The fraud alert placed in 2019 shows an old, outdated cell phone number. 
When current creditors access my credit report, they call the old phone number. Then when there is no way to reach me, they call me at my cell number on file with my account with them - asking me to either updated my cell on the alert or have it removed. 
I literally have called in ONE day, 7 times and been on hold for over an hour trying to speak with someone in the Fraud Dispute department. 
I am either transferred to a non-working voicemail or left on hold for over 40 minutes, then disconnected. 
Their website does not grant you access to do the update/dispute yourself. 
Experian will not allow you to speak with a supervisor to get assistance.
Product: Checking or savings account

BoA XXXX On XX/XX/2023, at XXXX, I noticed an unauthorized transaction {$99.00}, made payable to XXXX. My XXXX XXXX showed no authorized payment in process, but a ( - {$99.00} ) nevertheless appeared in my Bank of America Ledger. I contacted XXXX and requested a refund. The Refund reflected on my Ledger almost immediately, " in process or processing ''. 

Later, at XXXX, the Ledger Changed. The Refund was no longer " Processing '', but " Authorized ''. The {$99.00} sum is in the body of the ledger description, and says " PENDING XXXX ''. In the years that I that have deal. In the amount category, " -- ''. If I search for " XXXX '', the only result is the original debit. If I search for " PENDING '', the search results contain every ledger entry containing the word Pending, except the Uber refund. 

Let me be clear, search the ledger for " Pending '' or " XXXX '' does not result in the finding the XXXX refund. This combined with the used of the word " Authorized '', suggests that some entries my account, from the BiA side, and altered my ledger. 

This is a new event, but explains Ledger Inconsistencies, which have occurred during the past few days. For instance, yesterday I ran into a non-chronological entry on the BoA Ledger ; or rather, a set of non chronological entries Ledger entries for XX/XX/XXXX down to XX/XX/XXXX seemed normal. After XX/XX/XXXX came XX/XX/XXXX. But, after XX/XX/XXXX, a set of Ledger entries starting with XX/XX/XXXX began. This suggested to me that I had caught someone interfering with my ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I disputed a collection account on my credit reports from XXXX. XXXX  ( collecting for XXXX XXXX XXXX ) on the XXXX XXXX XXXX  to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT XXXX XXXX XXXX, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with Experian ( who typically is the first to remove trade lines, which shows XXXX XXXX never requested deletion. On XX/XX/2022 I disputed the collection with Experian & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( XXXX XXXX XXXX ) and that the furnished told them the account was in fact reporting accurately. BOTH EXPERIAN XXXX XXXX. XXXX XXXX are both being negligent and in fact are disrupting my financial future by not doing right by what XXXX XXXX has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against Experian XXXX XXXX XXXX. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for XXXX XXXX changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
Product: Credit reporting or other personal consumer reports

I am disputing 4 accounts and ( 3 ) reporting Last Payment dates that prove all 4 accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought this alledged debt from XXXX XXXX XXXX XXXX XXXX and Is reporting a Last Payment date XXXX this means that both accounts XXXX XXXX XXXX XXXX XXXX XXXX is obselete due to the Last Payment date being reporting by XXXX XXXX they have surpassed the 7 year time period and should be deleted. 


TradXXXX XXXX XXXX XXXX XXXXXXXX XXXX a Last Payment date XXXX XXXX should be deleted because it has passed the 7 year reporting period. Delete this account it is reporting as a charge off and was sold to XXXX XXXX # XXXX Trade : XXXX XXXX XXXX XXXX a last payment date XX/XX/year> and is obselete delete this account it is XXXX XXXX XXXX. 

Trade : XXXX XXXX XXXX XXXX also reporting a last payment date as XXXX XXXX XXXXXX/XX/year> and is too old as it is obselete and has surpassed the 7 year reporting period. 

If these accounts are not deleted I in advance request the Description of Procedures Used along with the name ( s ) of the person ( s ) you spoke along with their telephone number ( s ) and addresses in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA ( A ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian Updated/ Reported on my report two accounts from XXXX XXXX XXXX XXXX that show 1 As A Paid Account/ 60 days past due. And another As A Paid account/ Charge Off. Both Accounts Are A PAID DEBT That I Will Like Removed off of my credit reports as they are hurting my scores. I have sent multiple letters and contacted the creditor multiple times to try in resolve this issue with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these inquiries are not mine XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a request for debt validation to Portfolio Recovery Associates. In the debt validation letter I requested they provide me with : 1. The name and address of the alleged creditor 2.  Name and address of the alleged debtor 3. Alleged account number and amount of alleged debt 4. An agreement with the alleged original creditor granting Portfolio Recovery Associates the authority to collect on the alleged debt 5.An agreement that bears my signature stating that I agreed to pay on this alleged debt 6. Date of original charge off or delinquency 7. Verification that the alleged debt was assigned or sold to the collector 8. Complete accounting of the alleged debt 9. Commission for the debt collector if collection efforts were successful. 
In response to my request Portfolio Recovery Associates only sent copies of 2 billing statements dated for XXXX of XXXX, and of XX/XX/XXXX. They have not provided complete accounting on the alleged debt, proof of a contract with my signature agreeing to pay on this debt nor have they provided proof that they are authorized by the original creditor to collect on this alleged debt. They have also not provided evidence of the date of original charge off or delinquency. The 2 billing statements they provided me are dated for XX/XX/XXXX, and XXXX of XXXX, yet they report on my credit reports the alleged account was opened on XX/XX/XXXX. This in and of it self shows that they can not provide complete and accurate accounting of this alleged debt and they are reporting a false account open date and essentially re-aging the alleged debt which in is a violation of the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau further investigate this debt collector for possible criminal activity.