23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint regarding recurring {$2.00} finance charges being assessed to my Macys store credit card, issued by Citibank, even though I am not carrying a balance and have paid off the account in full prior to the due date. 

These charges appear monthly and are not clearly disclosed in any terms or conditions provided at the time of account opening or through subsequent communications. Despite my efforts to obtain clarification from Citibank customer service, and they do remove it once I call and speak to customer service I have not received a satisfactory justification for these recurring charges. 

This raises concerns about deceptive or predatory billing practices, particularly as the charge resembles a hidden finance fee imposed without proper disclosure or contractual basis. 

I would also like to reference an article by XXXX XXXX XXXX published in XXXX XXXX XXXX XXXX XXXX  ), which highlights similar concerns with unexplained finance charges on Macys branded credit cards issued by Citibank. This suggests that this issue may not be isolated to my account, but rather part of a broader pattern of questionable billing practices. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, ensure that Citibank provides full transparency regarding these charges, and take any appropriate regulatory action to prevent further consumer harm.
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NJ XXXX I sent a letter to ( XXXX, XXXX ) regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove the item from my credit report. I demand this account be deleted from my XXXX and Equifax or I will file ligation due to stress I've been caused. My information was also impacted by the Equifax and XXXX data breach and may have gotten to the hands of the wrong person..
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was supposed to remove this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is XX/XX/XXXX letter from XXXX XXXX XXXX XXXX ( XXXX  ) sending items they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not the documents they keep sending. I require this document to prove the loan was fraud. When I say fraud, XXXX  requires more of my personal information to do a fraud investigation when they didn't even have the right to have any information on me in the first place. My request is simple, send me copy of the permissible permission used to access my credit report in XX/XX/XXXX to allow me to prove the loan was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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 : Also states a consumer reporting agency connot furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report showing late payments. I have never been late paying my payments. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

this company called me today and I told them to stop contacting me by phone every thing must be in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX    XXXX , which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX . Equifax did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years.  XXXX  has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition,  XXXX  was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
Product: Credit reporting or other personal consumer reports

In XXXX I reached out to XXXX XXXX  and sent them an OPT out request. I recently pulled my credit report and saw that you are still reporting their information about me. Under XXXX XXXX XXXX I have the right to OPT out and have protections from the sharing of my nonpublic personal information to non affiliated third parties including the XXXX XXXX. This is a violation of my request. 

I would like you to stop sharing my non public personal information. 

I have added the complaint to my request for your review. I have also added the letter I sent to XXXX. 

Your timely help with this matter would be much appreciated. 

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

Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dear sir,
I have received the something seems reports from your company almost every day from XXXX XXXX to XXXX XXXX XXXX XXXX  I would like to claim or comment on them. XXXX XXXX: your report asked me to list the nature of the dispute.  Since, overall, these papers, look like the credit report, do not have any writings which supposed to be report of my finance, I cannot claim anything.  From the beginning, I do not request your company to send me this empty and nothing report, even though I have the credit cards from the banks. XXXX XXXX: This report asked me to mail the XXXX Identity Theft Report.  Since I admit I sent the incorrect document regarding this, I will send the copy with this letter.  I regret all my banking and credit cards are under dispute in your company.  I am looking forward the results of these disputes near future.  Since I enclose the valid identity theft report with this, I expect I do not have to send any documents for identification.  If you need them, please ask me with proper explanation.  I have sent already 5 credit reports company in the United States; therefore, I believe they are enough.  Please, if you consider it is not enough, please let me know next procedure and another proper organization in the United States, or international organizations, since I am a foreign resident in the United States.  I am looking forward your company advice, since I missed the chance to receive the public legal assistance, which I might be able to get earlier.  I received two research request forms.  I will fill one of them and enclose with this letter. XXXX XXXX: These another 14 pages something like report says the consumers have the right to request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. Since my all-financial accounts, which should be in the report, are under dispute and I do not receive any information why they are under dispute formally and legally, even though you need to remind I do not have any legal representation with me. XXXX XXXX prepared by the office addressed XXXX XXXX XXXX XXXX XXXX XXXX: Since I have received many something called report from your company and most of the correspondence came from the address, XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure whether this mailing box has the shared office or not, but I suggest sending from the address, which XXXX XXXX XXXX XXXX, since the contents of the envelop or report are same.
No report XXXX XXXX which acknowledge the reality of my identity theft.  However, as mentioned above, your office will receive the document of official identity theft report prepared by XXXX and your company research request form, which I officially ask the investigation of XXXX card issued by XXXX XXXX credit card, XXXX reward card ending XXXX.
Sincerely,
Product: Credit reporting

I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.
Product: Debt collection

Lobel financial is reporting inaccurate information on my report my car was repossessed after two years of making payments and they are trying to charge interest on top of the repossession they refused to report the accurate amount so I'm asking for it to be taken off my report
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.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 an 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 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 am the victim of identity theft, and i see numerous accounts that have been opened fraudulently and tampered with. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX XXXX/ACCT # XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$5600.00} U.S. BANK CORPORATION XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$560.00}
Product: Debt collection

The debt was paid under the agreement that the balance would be reported paid on time, in full, as agreed, and completely removed from collections. And to reflect as a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file Equifax file XXXX file XXXX file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX XXXX in accordance with basel 3 accord and XXXX Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

Revenue Group sent me a letter to attempt to collect a fraudulent medical bill from XXXX XXXX. The bill is for {$32.00} for a virtual visit. However, the visit never took place since there was no two-way interaction or communication with a provider. This is a fraudulent bill and violation of the XXXX billing practices and the Fair Debt Collection Practices Act. I have informed this company in the past not to contact me.
Product: Mortgage

I have my Mortgage with SLS, Specialized Loan Servicing, located in XXXX, Co. I have had my mortgage with them for several years. It was purchased from an original company I had found on line, which was a fine company. SLS makes it extremely difficult to access account information via their phone service ( phone tree ) or their web site. 

On the phone tree, today I spent 7 minutes wading through the menu options, finally getting through to an actual human. She put me on hold for 10 minutes, and then the call disconnected. 

As bad as the phone tree is, the web site is worse. I have always had trouble using their web site, in the last year I continue to get locked out or the XXXX returns a " bad request - request too long '' error message. When I called about this, after another 20 minutes of phone tree stupidity, I was told the SLSXXXX  account was wrong and they gave me a completely unrelated web address, XXXX  That worked one day, since then I have not been able to access my account on the web - same error message as the other link. Back to the terrible phone tree. Sigh.
Product: Payday loan, title loan, or personal loan

on XXXX XXXX i obtained this loan to which i believed was a 3 year personal loan and is illegal in the state of VA , this company is not licensed in this state at 281 % interest which is a payday loan not personal loan the total payoff is XXXX for a 12 months
Product: Credit card

My fiance and I were on the last night of a 4 day trip to XXXX, XXXX on XX/XX/2023. We were exiting the XXXX XXXX at night in the rain. Neither of us had any more cash ( Euros ). We hailed a XXXX ( private company/no markings ). We asked him if he took Credit Cards, he replied no problem. We had him take us to a restaurant about a mile and a half away,15 mins total. He said the fare was " XXXX Euros ''. I gave him my PNC bank card XXXX XXXX XXXX In the haste of getting out in the rain and exhaustion, I neglected to ask for a receipt. It was a dark sedan, but I don't have a name or a license number etc. I have no idea if hw is independent or works for a company. After dinner I checked my bank statement and was shocked to see I was charged $ XXXX! I did NOT authorize that. I was scammed! We obviously did not take a XXXX dollar cab ride. We could drive from XXXX to XXXX and back for that price! Unfortunately I have no other proof. I provided this exact information to the PNC dispute department twice! They said they determined the transaction was authorized but have provided no proof. 
Dispute case # XXXX
Product: Debt collection

the national creditors connection inc.callin my home all time of nigh threating me about my morag payment that I paid .coming to my home .telling me that I got to pay more money.
Product: Debt collection

Portfolio Recovery has been trying to collect an ALLEDGED DEBT from me. I requested a debt validation from them. They did not provide me with any information with my signature providing that it is me. Even if this was provided to me, IM the only person who can validate and verify this debt which I DO NOT VALIDATE! Anyone can say that a consumer owes a debt but they have not proved that this debt was mine. I do not validate this debt and I have told them this is not my debt multiple times an even requested a cease and desist. They are continuing to violate multiple consumer laws such as : 15 U.S. Code 1692f.Unfair practices by trying to collect a debt that is not owed by me and by communicating through post card. Many people know the name of this collection agency so anyone who delivered the mail thinks that I am in debt which is a violation of this law and my right to privacy, 15 U.S. Code 1692g - Validation of debts, I was not given enough evidence to verify this debt yet this ALLEDGED DEBT is still being furnished on my report and is preventing me from obtaining new credit, and 15 U.S. Code 1692j - Furnishing certain deceptive forms because these are false forms being furnished on my report and it has created false belief in my consumer report. These are all violations under the FDCPA which this company needs to be held liable for.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XX/XX/2024. I'm now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Debt collection

The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


XXXX XXXX XXXX # XXXX Account owner : Lvnv funding llc {$440.00}XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed