23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.
Product: Credit card

Citi Bank has set up such a ridiculous infinite loop of stupidity that it surprises me that it can operate as a company!!! 

Its XXXX Department needs a Fraud Department to monitor it! 

Upon receiving an automated phone call from that department in response to a recent transaction I had attempted to put through, the questions that the system asked were unanswerable do to the lack of detailed information provided regarding the transactions to verify, however, I still responded as " confirmed '' for those transactions just to try to get it resolved. The " electronic operator '' then states my card is cleared, yet I could not even purchase a bowl of pasta afterwards! Then, when calling the Fraud Department later to talk to live people, I 'm told that the 24/7 fraud department is unavailable and to call back in a few hours!!!! Thank XXXX I was't in an emergency situation!!!!! The Citibank Fraud program needs a serious overhaul, I am sooooo disappointed in this company! And, this in NOT the first time this issue has occurred!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED MY CONSUMER REPORT AND IT IS FULL OF INACCURACIES AND LISYED BELOW ARE THE INACCURACIES DELETE IMMEDIATELY. 

XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) LAST REORTED IS ( INACCURATE ALSO ) ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX OPEN ( INACCURATE XXXX AND XXXX HAS STAUS CLOSED.ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) IS A ( INACCURATE DATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) DATE WITH XXXX.LAST REPORTED DATE ( XX/XX/XXXX IS INACCURATE DATE ALSO, ( EQUIFAX ).
Product: Debt collection

I received or returned a phone call on XX/XX/2020 at XXXX hours to/from credit management asking how would I like to take care if a XXXX $ bill place with them for collection before it was added to my credit report. I told them over the phone whatever information you have please send it in the mail and I would respond to a letter, Credit Management never mentioned over the phone that I can dispute the debt. So after the call, I sent a letter stating that I am disputing the debt, and asking for validation and verification. They said they  received the letter on XX/XX/2020. On XX/XX/2020 I receive a notification saying a new collection account has been added from them. I called the same day and asked about it and the said the sent a letter on XX/XX/2020 and I asked what did the letter say and they said it was system generated and could not tell me, and wait for a manager or sup to call me back by the COB tomorrow. I waited and I called back on XX/XX/2020 and was told that they dont know and its been 30 days and I didnt dispute so they added it to my report anyway and its going to stay there until I pay it, even after mentioning I never received anything in the mail. And they told me that I have to contact the original creditor to get details, so I did. I called XXXX XXXX on XX/XX/2020 XXXX hours, after being transferred they told me that I couldnt get any info on the account because I didnt know the security pin or question, and was redirected back to the collection agency that has all the information and details of the account.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00}.
Product: Bank account or service

On XX/XX/XXXX 2016 an employee had did a mobile app deposit of {$470.00} and cashed the check and withdrew it immediately. On XX/XX/XXXX 2016 the same employee took the physical check down to the check cashing place and cashed its again. As a employer we re held responsible for the check and had to pay the money back to the check cashing place. However, by law ( UCC/Holder in Due Course and Check 21 ), the Holder in Due Course who cashed the actual physical check is the one who is entitled to payment by the account holder. I have every legal right to demand that your bank recall the funds that were paid on the electronic presentment of your check to reclaim your lost funds. However, you are required by law to pay the Holder in Due Course for the physical check they cashed. Also under The key provision of the Check 21 Act is that it imposes a warranty and indemnity obligations upon a bank issuing a substitute check. A bank creating a substitute check assumes the risk that arises from the creation of multiple legally enforceable copies of the same item. The employee 's bank in the scenario above is deemed to have warranted to each subsequent handler of the check that it will not receive multiple presentments of the check such that it will be asked to make a payment based on a check that is already paid. The Check 21 Act specifically states : ... no depositary bank, drawee, drawer, or endorser will receive presentment or return of, or otherwise be charged for, the substitute check, the original check, or a paper or electronic version of the substitute check or original check such that the bank, drawee, or endorser has already paid. 12 U.S.C. 504 ... 
As an employer we were obligated to pay the money back plus fees, We want the bank to pay us back in full or we will file civil suit and file a complaint with the state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents/ ID as it contains my full complaint and request. 

Attached you will see 2 FTC Identity Theft Reports as XXXX XXXX XXXX is reporting the same account across Equifax and XXXX but with two different account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months now, via disputes with credit bureaus, emails to Navient, and more... they have not only marked my payments as late for XXXX of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution.

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} 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  Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} 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 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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card

Annually in compliance with regulators requirements, I receive notifications from all the credit cards I possess. Invariable hidden within those notifications is language which allows the issuers of the cards to change their rates and increase the service fees. In an economy struggling to recover and the significant loss of jobs, it has affected me and consequently the service charges and adjusted interest rate is equivalent to what the XXXX was allegedly doing that put a number of individuals in prison. Yet nothing is done to stop the banks and institutions issuing credit cards and raising the interest rates to more than 15 %. Instead of Congress and States authorizing the issuers of the credit cards to increase rates, they should prohibit any interest rate that when applied to the balance would exceed a payoff balance of no more than 60 % of the balance. Please initiate legislation that prevents banks and card issuers from exceeding 15 % in interest rate and no more than {$15.00} for any type of service fee and limit cash transaction fees to no more than {$1.00} per transaction.
Product: Prepaid card

issued by us bank national association through prepaidgiftbalance.com. 

Received the card from an employer XX/XX/XXXX. Checked the balance/registered/activated the card and it was at {$50.00}. Tried making an online purchase a couple months later and was told it was invalid. Went to prepaidgiftbalance.com to check the balance and make sure card was active. The website asks you to login using the gift card information and when you enter it, website just keeps saying please try again, and still is even today. Card expires in XXXX I called the company in XX/XX/XXXX as that is the only method of contact available. They wanted purchase details ( which I didnt have because this card was a gift ) and wanted me to fax a photo of my ID and social security number to them so that they could look into it and confirm the card is mine. The card is a prepaid gift card so my name and SSN would not be associated with the card as it was not required for initial registration, therefore I asked the company how this would confirm the card was mine since they dont have my name or SSN, nor should they need it. 

They said they couldnt help me if I didnt fax them this information. I asked if there was an email option and they said no. I gave up on trying to use the card after reading the atrocious XXXX  reviews for this company. However, I recently came across a post about where I could report this issue and decided to report it to see if there is any possibility for resolution
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX  Inquired on XX/XX/year> XXXX  XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX  XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 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 XXXXXXXX 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 card or prepaid card

On XX/XX/2020 someone open credit card under my name in stores name XXXX. XXXX was charged for {$5.00}. Ive never got billing. They were charging {$39.00} fee each month for late payment. The payment growth to {$220.00}. Now its in collecting bank. I tried to pay to them {$30.00} to take of from my credit report since Ive never open this bank. But they expect {$140.00}.
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 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 2682. 

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 has violated my rights. 

I was trying to buy a house and I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ). 


And according to 15 U.S.C 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to the 15 U.S.C 1681s-2 they are supposed to 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 account is inaccurate. Please remove t
Product: Debt collection

I paid for an online school called XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my discover credit card. Due to the pandemic, health-related, and facing hardship I was unable to finish the course with XXXX and XXXX refused to refund the money I paid even though I never received what I paid for. I submitted a chargeback with Discover card and Discover went in favor of XXXX leaving me responsible for the balance of over one thousand dollars, I've explained to Discover over and over that I have a medical letter excusing me from this school and also have provided proof of hardship, per consumer law if XXXX is refusing to refund my money, Discover card needs to step in and refund my money but Dicover is refusing as well.
Product: Debt collection

First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX was sent a request for validation letter concerning a account they claim I owe on my consumer report today which is XX/XX/XXXX they still have yet to respond. This account is very damaging for my personal consumer report and business report causing me to not be able to get funding