23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a significant purchase using my Best Buy Citi account, 2 years ago. I took advantage of the 0 percent interest financing opportunity for 24 months. I made payments on the card, each month. What I did not realize was that Citi was not applying the payments I was sending in to my promotional balance. They were applying it to other balances. I did n't realize this until I received a finance charge of over {$3100.00}! Obviously, I was shocked by this and immediately called in and they told me if I could pay off the promotional balance ( ~ {$4400.00} ), they would waive the finance charges. I actually paid {$6000.00} to Citi and I had to borrow money from my son in order to do this. I called them to make sure they were going to waive the financing charges after they received the {$6000.00} from me, and they told me that I only had until XX/XX/XXXX to do it. They received the money on XX/XX/XXXX and told me that " there was nothing we can do. '' First of all, their payment processing is deceptive, as I thought I was paying down the balance. Second, they TOLD ME that they would waive the finance charges if I paid them {$4400.00}. I paid {$6000.00}! If I knew they were going to go back on their word, I would n't have paid that much! I would have used the money for other bills. I, in good faith, made the payment and now Citi is charging a XXXX year old widow a huge finance charge. Please compel Citi to honor their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Hi, my name is XXXX XXXX according to 15 U.S. Code 1692c code have XXXX  hard continuing inquiry in my credit report which I did not authorized or give permission for my credit to be ran on. 

Name - COLLECTION MANAGEMENT Account number - XXXX Original balance - {$900.00} Address - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1300.00}
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. XXXX  XXXX XXXX account # XXXX, XXXX  account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX has violated my rights. 
15 U.S C 1681 EB Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. C 1681 section 602A has violated my right to privacy. 15 U.S. C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. C 1681c ( a ) ( 5 ) States that any of the following information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My motorcycle was stolen over 7 years ago and I obtained a police report, with which the debt was removed from my credit. It has now been placed for collection and has been placed on my credit again and they are consistently harassing me about the debt.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Seven days after applying for a home loan with rocket mortgage XXXX would not provide a loan estimate worksheet after repeated requests. it wasn't until I asked to be a signed a different agent that he finally provided it.

Rocket Mortage ( XXXX : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX  M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$760.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$810.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$120.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA.

Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred.

Thank you for your prompt attention to this serious matter. 


Company : Chime XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT
Product: Credit reporting or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX the financial business check my credit score without my permission and XXXX XXXX XXXX XXXX  do the same two times without my permission and this was affecting my credit score
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ). 

Detailed Explanation : XXXX. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Product: Credit reporting or other personal consumer reports

The following companies said I applied for credit and I have not and its ( fraud. ) XX/XX/year> ALLY FINANCIAL ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALLY FINANCIAL ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ALLY FINANCIAL ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Product: Consumer Loan

I would like someone to investigate my vehicle loan with capital chrysler. They financed a XXXX XXXX for me in XXXX XXXX for the amount of {>= $1,000,000}. Payments to begin on XXXX XXXX in the amount of {$710.00} a month. We are in XXXX XXXX still oweing {$29000.00}. According to my payment history most of payments have gone to interest and {$260.00} to late fees. We would like to trade the vehicle in, an are not able to as they are showing we still owe what we financed after 2 years alomost 3. They are not appling all payment where should be. They barley contcted me now in XXXX XXXX that we missed our 2nd payment. In XXXX XXXX I made 2 payments to cover the XXXX payment. they never applied it and continued to move on and apply to next payment. they are showing we are more than 80 days past due which I do not agree with. I have asked the president of chrysler capital to contact me which has not to this day of XXXX XXXX XXXX to resolve this issue. I feel my money had been robbed from us and we have no clue where it has gone for the past 2.5 years. I feel what they are doing to my money and loan is illegal.
Product: Debt collection

Arcadia claims I owe {$250.00} for XXXX XXXX received several months ago. Payment was sent to original creditir who's name is not available to me. Payment was made via XXXX XXXX money order, receipt was discarded several weeks ago, nowhere to be found. It appears payment lost/stolen in mail, if not received by original creditor.. In either case, lost or stolen, I will not make duplicate payment
Product: Credit card or prepaid card

I have my Platinum charge card opened on XX/XX/XXXX. During that period, I am eligible to get my signup bonus for six months per temporary rules of American Express. On XX/XX/XXXX, I got my XXXX Member Rewards points because I reached the spending requirement. However, on XX/XX/XXXX, I got a notification regarding points adjustment. The notification claimed that I have refunds and they gon na remove my sign up bonus points. 

Let 's not to mention that how difficult these days we are not sure about our travel schedule. Therefore travel cancellation happens all the time. Even I cancelled my trip, I still met the spending requirement by XX/XX/XXXX - the deadline to reach spending requirement. I tried to call but they don't give it a XXXX. They always claim that after review, I am not eligible to get my sign-up bonus. 

I just wonder if Amex is trying to fraud their clients or potential clients. " If you have a refund during your first several months, you will fail to get sign-up bonus. ''