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

Citibank released a COVID-19 statement during early XX/XX/XXXX advising customers who were having hardship as a result of the pandemic to contact them for assistance. I live in XXXX, New York which was placed on lock-down due to Coronavirus so I contacted Citibank on XX/XX/XXXX to request COVID-19 forbearance and was offered a reduction in rate from 11.99 % to 9.9 % for 60 months but I would need to close the account. I refused the offer based on the condition to close. I felt it was punitive. I was told that was the only available option available but I could call again to see if any changes. I made several follow-up calls to Citibank customer service. I did not hear back from Citi until XX/XX/XXXX when their collections contacted me because I did not make the XX/XX/XXXX payment due, at that point they offered payment deferral until XX/XX/XXXX. After this agreement I still continued to receive collections calls. On XX/XX/2020 I received e-mails from Citi stating they had reduced the credit lines on both my accounts based upon my XXXX  report which indicates a substantial number of debts owed. Their action cause credit reporting agencies to identify a 97 % utilization rate of the two revolving credit card accounts I have with them. which then put me at at 37 % utilization threshold resulting in a significant reduction in my credit score by relevant agencies. I'm a new business owner and the life and breath of my business relies greatly on my credit score. Citi has since refused to accept responsibility for their unfair and discriminatory action. They insist that the  first time I contacted them was XX/XX/XXXX. I have sent them my phone logs of the calls that were placed to them during the month of XXXX, requesting transcripts of our exchange. They have refused stating they will only provide same via a subpoena. I suspect Citibank posted their COVID-19 statement encouraging customers to call in and when we did, they tried to trick us in closing accounts, because I did not accept their original offer my accounts were flagged and later reduced because I was considered too risky. I've had one of the accounts for over 25 years and can't remember ever missing a payment. COVID-19 was a risk for everyone on many levels and they  used their authority as a weapon to further harm unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XX/XX/XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized inquiries on my transunion report. I need them to be removed, I have no knowledge of these inquiries. 
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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Since the initial date I filed complaint with CFPB in XXXX XXXX has not applied nor accepted my payments. I am showing outstanding checks cashed since XXXX & XXXX. The initial letter indicate that I was to send {$100.00} to XXXX XXXX XXXX attention. I should n't have to send payments via certified mail every month. Please advise why my payments/checks are n't being applied.?
Product: Debt collection

I received a letter yesterday from XXXX XXXX XXXX XXXX XXXX that stated First Portfolio Ventures I, LLC account number XXXX on XXXX the debt was owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX {$10000.00} and I don't owe First Portfolio Ventures I, LLC either. This account doesn't belong to me this is a business account for restaurant equipment and I never owned a restaurant either. I have asked XXXX XXXX XXXX on numerous occasions to send me the contract showing that I brought and owe this debt for restaurant equipment to no avail. I still haven't received proof of claim to this date. My name is a very common name and therefore I do not wish to be contacted any further about this debt until you have the proof of debt, like the contract, what was ordered, where was it delivered to, who signed for it and what business did it go to. For the record I have never received any written notice from First Portfolio Ventures I, XXXX therefore if they brought this account from XXXX XXXX XXXX I suggest you get a refund and stop selling this loan off to other credit collections agencies just because you've been had by XXXX XXXX XXXX thinking you could pay them pennies on the dollar and get $ XXXX out of me for a debt I don't owe!!!! Stop breaking the law!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX # XXXX, XXXX # 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 XXXX XXXX XXXX, XXXX # XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.
Product: Checking or savings account

Bank of America is accusing me of withdrawing money off of my checking account money I never even had in my account charging me {$1300.00} I never even had this amount in my account to begin with Bank of America wants me to settle for {$800.00} which Im not going to settle never touched a dime i need this removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried opening a new checking account for myself and was flagged by XXXX XXXX XXXX XXXX. They sent me my report which states i had fraudulent activity from Bank of America in 2016. I have never had my own BOFA account. During that time i was caring for a elderly family member i had a power of attorney to deal with all activities. And went into rhe local XXXX XXXX NY branch to be added to her account and the branch manager gave me a hard time and did not want to except it. This is hurting me from opening my own accounts. It needs to be resolved with bofa so i dont have to seek legal counsel.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX has violated my rights. 
Ive looked at my Experian credit report on XXXX XXXX and notice somethings that are incomplete and are not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 usc 1681 5 they are supposed to this ( 5 ) treatment of inaccurate or unverifiable info. 
( A ) in general if after any reinvestigation under paragraph ( 1 ) of any dispute by the consumer, an item of the information is found to be incomplete or inaccurate or can not be verified the consumer agency shall ( 1 ) promptly delete the items from the file consumer or modify the information on file ( 1 ) promptly notify the furnisher of the information that information has modified or deleted the file of the consumer. 
And according to 15USC 1681s-2 they are supposed to not furnish Any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I fell behind on my mortgage payments shortly after my husband died XX/XX/XXXX. Since then, I have filed XXXX Chapter XXXX bankruptcy cases in order to keep my home. 
Shortly after the filing of my XXXX bankruptcy case, I ( through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted a loan modification application to ClearSpring on or about XX/XX/XXXX. 
On or about XX/XX/XXXX, a representative from ClearSpring gave told my attorney over the phone that I had been approved for a loan modification. This loan modification would have allowed me to stay in my home and complete my bankruptcy case without paying so much money on the payments that I 've missed. 
My attorney and I began corresponding ( phone and email ) with ClearSpring over the terms and conditions of the loan modification plan. However, after a short period of time, the person from ClearSpring stopped communicating with us. 
I never received anything in writing from ClearSpring regarding the original loan modification plan nor have I received a written explanation of why ClearSpring decided to withdraw their proposal. 
Also, during the period of time that I was in my third bankruptcy case, ClearSpring did not pay my real estate property taxes for XX/XX/XXXX and XX/XX/XXXX ( even though they were collecting {$110.00} per month from me to be used for property taxes ).
Product: Debt collection

XXXX is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the XXXX XXXX XXXX if I do not send them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Product: Credit reporting

After Reviewing My Experian credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Experian and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Experian stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Experian certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Experian is still reporting bankruptcy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) COLLECTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Student loan

I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. 

I was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). 

XXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically " well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she " thought '' it was taken care of but not totally sure or how long it would take to fix it. 

I visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the " writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. 

The poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).
Product: Money transfer, virtual currency, or money service

Im a former resident of XXXX XXXX   Ive done business with the XXXX Fbi since I left XXXX XXXX XXXX  we were all in a class we left with information from being released discharge my home address there was XXXX XXXX XXXX, XXXX, XXXX  XXXX and I live at XXXX XXXX XXXX XXXX XXXX  XXXX I change my address to XXXX XXXX XXXX, XXXX, XXXX XXXX Ive been receiving problems from XXXX XXXX XXXX XXXX XXXX  XXXX My auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX XXXX  auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX birth certificate to compromise a payment with the XXXX Fbi tried to give me through FDIC thats been writing my bank over and BB & T banking and trust the payment was stolen please contact me at XXXX my website is XXXX XXXX XXXX you can contact my phone Early in the morning like XXXX to  XXXX Pacific standard time you can also contact my father XXXX XXXX at XXXX his email is XXXX  XXXX I have already reported this to The federal trade commision I called the FBI this side of the family isnt Being honest at all thats all they do is steal everything they see so could you give me a call XXXX XXXX XXXX
Product: Student loan

These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.
Product: Debt collection

The reason for my dispute is Sequim ASSET SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, SEQUIUM ASSET SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) SEQUIUM ASSET SOLUTIONS  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation SEQUIUM ASSET SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. XXXX  I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have reported this account to the FTC, and  XXXX Police Dept. I need this collection account to be removed from my credit report. SEQUIUM ASSET SOLUTIONS  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I had a legal first name change on XX/XX/XXXX. 
Then In XX/XX/XXXX : 1 ) I went to SSN Administration and updated my SSN Card with new first name 2 ) Updated my Driver 's License with new first name 3 ) Went to Banks and creditors and updated my name to new Legal name Then in XXXX when I went to freeze my account with Experian, I see that they say I have no credit at all. 
I called Experian on XX/XX/XXXX and uploaded court ordered name change to Experian and found that the name change being reported in XX/XX/XXXX triggered a separate account to be created ( or altered ) with Experian, and Experian erroneously still importing the data from Banks and Credit holders to the older incorrect account. 
My legal name/SSN 30 days after my initial complaint shows that I have no credit, and my old name/SSN has exceptional credit. Even though Experian has CourXXXX Ordered name change info, they continue to send emails addressed to the incorrect first name. 
My old name causes much stress because it is of the opposite gender, and I need my new legal name ( my name assigned at birth ), I need that back for mental health reasons. Experian was just as bad updating my name the first time, taking well over 30 days, and causing me to rent a room share ( with no credit check ) because I had no credit to rent an apartment.