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

Effectively Citi had done a 'hard hit ' on my credit report without providing a card in a timely manner. They will not cancel the card and remove the 'hard hit ' so that I can get a new card elsewhere without adversely affecting my credit score. Was provided incorrect information by multiple agents and wasted hours of time. 

# # XXXX : Applied for a pre-screened offer ( Citi Premier Mastercard ),  approved and got an e-mail saying I should get it within 7-10 business days. Haven't received this as of XX/XX/XXXX. ( attached ) # # XX/XX/XXXX : ( After 12 business days ). Had received all the paperwork except the card. Called and after lot of back and forth the rep says the 10 days start from XX/XX/XXXX and wanted to wail till XXXX. Didn't issue a new card after the 10 business days deadline. 

# # XX/XX/XXXX : Got the first statement running from XXXX with XXXX balance ( start date pushed to XX/XX/XXXX - attached ). Called again and the rep concluded that the card was lost in mail. And told that a new card will be sent by XXXX overnight and I should get it by XX/XX/XXXX if not XX/XX/XXXX. After that got an e-mail with a tracking link that does not work. ( attached ) # # XX/XX/XXXX : Haven't received the new card. Called and was told that the card was sent by XXXX on XX/XX/XXXX will get by XXXX the latest. Asked if I can cancel the card and get the 'credit record ' removed, but was told no. Also got a letter in main asking me to contact back if I do not receive the card by XXXX. ( attached ) # # XX/XX/XXXX : Called back again and after transferring many times I am told that the new card was sent by regular mail and will need 7-10 business days from XXXX. Also I am told they will not cancel the card and remove the credit hit. 

# # Given that I received multiple other mail from Citi during this time and was provided multiple false information, I am suspecting that this is a tactic to make it hard for customers to meet the promotional offer related spending targets within first 3 months.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was switched from XXXX XXXX to Specialized Loan Servicing, LLC in XXXX XXXXXXXX XXXX on XX/XX/. Before my loan was switched over, I was in the middle of a mortgage deferral program since I had lost my job. I didn't even receive a welcome letter from Specialists Loan Servicing until XX/XX/ that had all of the new information and account number on it. When I opened the packet, It stated that I owe {$11000.00} with a due date of XX/XX/ ... .. when they didn't even give me the information on time. I have called twice and they have stated that they are behind on the processing all the new loans they received from XXXX XXXX and that it would take them 60 days to fix this. It's only XXXX and I have since received multiple threatening letters stating that I'm seriously delinquent on the mortgage and that I need to contact them about possible loss mitigation. XXXX XXXX confirmed with me that they sent over everything to Specialized Loan Servicing and they even emailed me the packet that was sent to them. This company is using predator tactics by buying mortgages that are deferred with XXXX and pushing them info foreclosure without even attempting to correct the issues.
Product: Credit reporting or other personal consumer reports

Experian credit agency violated my rights as described in U.S.C 1681 ( a ) & ( b ), by sharing information without my written consent or permission. Information was sent to XXXXXXXX XXXX, which was then shared with XXXX XXXX XXXX and as a result I was denied a line of credit. In addition shared information with XXXX XXXX XXXX, which caused my line of credit with that company to be reduced from XXXX XXXX dollars to XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX recognize and arent familiar any of these inquiries
Product: Credit card or prepaid card

I was set up with auto pay my card was compromised and a new card was issued. I was never advised that the payment didnt go through
Product: Debt collection

According to XXXX XXXX XXXX who represent Unifund CCR, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked XXXX XXXX XXXX to show me the form where i signed for this account. Nothing was produced. If i understood XXXX XXXX XXXX they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX. the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt XXXX XXXX XXXX or Unifund had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from Unifund it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from CCS ( Credit Collections Services ), stating that I owed money to XXXX XXXX XXXX and demanding payment of {$240.00}. 
I contacted CCS and asked the nature of the claim. They could not provide me with a date or reason for the debt. I disputed the debt with them. 
I then contacted XXXX XXXX Collections department and spoke with XXXX XXXX x XXXX. He checked all our information, telephone numbers, SS #, tax ID and could not find any debt of any type associated with my name. 
CCS indicated that they are unwilling to remove this debt from our record. I am requesting action be taken against CCS and our name cleared of all claims from CCS.
Product: Credit card or prepaid card

Im still getting charged interest on a balance that no longer exists. I paid off the card before the required date of XX/XX/22 and I got a {$78.00} charge for interest even though there is no balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. AKA.. 
XXXX XXXX XXXX. Sold this Account to Spring Oaks Capital. I Mailed a Validation Letter to Spring Oaks Capital. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and Spring Oaks in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and Spring Oaks for the Same Account. That is illegal according to the FCRA
Product: Debt collection

Portfolio Recovery Associates, LLC XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX On ( XX/XX/XXXX ) They are claiming that I owe a debt I have know knowledge of from XXXX XXXX, I have documents showing no record of what they are claiming, I sent them a cease and desist letter on the day of XX/XX/XXXX. I also sent it certified mail. I receive the return receipt on XX/XX/XXXX. Now again XX/XX/XXXX XXXX XXXX, Is trying to collect from me the same debt.
Product: Debt collection

STAFFORD GROUP AND ASS. Has place a collection account that doesnt belong to me. I have called them multiple time and they have not worked with me.
Product: Debt collection

Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information being reported on my credit file and to demand the immediate removal of the XXXX  entries identified by Account Numbers XXXX and XXXX, filed under XXXX XXXX XXXX XXXX XXXXXXXX. These entries do not meet the requirements of maximum possible accuracy as stipulated under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ).

Violation of 15 U.S.C. 1681e ( b ) : The information you are reporting regarding the open date, date last active, and address related to these accounts is incorrect. As per 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information you report. The inaccuracy of these entries suggests a clear failure on your part to comply with this federal requirement. This is an unacceptable and willful violation of my rights under the FCRA.

Proof of Address Request : Furthermore, I am demanding that you provide verifiable documentation confirming the address linked to these accounts. The address you have associated with these accounts is incorrect and further supports my claim of inaccuracy.

Failure to Validate and Demand for Deletion : If you are unable to provide documented proof, you must delete these accounts immediately. Failure to remove these items is a direct violation of my rights under 15 U.S.C. 1681e ( b ), and I will take all necessary actions to ensure my consumer rights are upheld. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal action.

Additionally, 15 U.S.C. 1681i requires reinvestigation of disputed information. I expect prompt compliance with this mandate, along with complete documentation of your reinvestigation process, within the legally mandated 30-day timeframe.

In accordance with 15 U.S.C. 1681c, you are obligated to limit the reporting period for adverse information, and in this case, the continued reporting of these bankruptcies without validation is unwarranted and unlawful. The inaccuracies are damaging my creditworthiness, and I will not tolerate any further harm due to your negligent or willful misreporting.

Immediate Action Required : I demand the immediate deletion of these accounts from my credit file, and I expect a response confirming these deletions within 30 days of receipt of this letter. Should you fail to remove the disputed information and provide evidence of accuracy, I will exercise my right to seek statutory damages, legal costs,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX i filed for forbearance due to divorce. No forbearance payments were missed. As of XX/XX/XXXX they stated that i owed XXXX $ plus my current payment to continue. my divorce ended and they gave me scenarios to add remaining balance to end of the loan which would not be due until XX/XX/XXXX. They have since reported delinquency of 120 days. They clearly stated that this option would 100 % not affect credit and mot normal payment would resume XX/XX/XXXX. There was NO payment for XXXX. But the previous conversation had me pay an extra XXXX $ to make sure i wasnt delinquent. This exact thing has happened all over to people. My credit score dropped by XXXX points in 1 day. I was told the remaining balance would be added to end of the loan and this would NOT be reported along with forbearance that would not be reported. The house has been sold and XXXX made whole, no idea why they went against their word.
Product: Money transfer, virtual currency, or money service

I had a fraudulent payment experience on PayPal XXXX of XX/XX/2023. I immediately warned Paypal and my credit card issuer XXXX by phone and email to cancel the payment and take immediate action. 

Unfortunately, neither PayPal nor XXXX took the necessary action against the fraudsters. Although I called them several times and provided all the information, these financial institutions closed the dispute without any action. They didnt even give any information about the fraudsters for 3 months. 

I have classified all files and screenshots about the fraudulent payment. 

The main problems with PayPal and XXXX I experienced are as follows : 1 ) PayPal did not take immediate action to stop the fraud by paying the money to the fraudsters instead of pending the payment although I informed PayPal and sent an urgent email Phishing Department immediately by call and email including the fake emails and all relevant information in detail. 

2 ) PayPal did not continue my case due to XXXXXXXX XXXX opening a case which was made on PayPal 's advice to contact them as the credit card issuer. PayPal still gives the pass to XXXX instead of investigating the fraud case that is caused against them and me. 

XXXX ) The main excuse PayPal mentioned and shared with XXXX to close my case is their policy regarding the selection of the friends and family option made during the transaction. My excuse is that it was the first time I was sending money through PayPal, the person who was the fraudster told my daughter to choose this option to finish the process faster, and most importantly there was no warning on my screen informing me that the payment can not be refunded if I choose that option and if something goes wrong. ( Screen captures of my mobile transaction uploaded ) XXXX ) XXXX contacted PayPal as the merchant and did not investigate the whole transaction as is supposed to be in this clear evidence of fraud. XXXX asked me to give PayPals transaction details instead of asking PayPal about the fraudsters and what they might introduce regarding the fraudulent transactions and all the fake emails they sent to me. I have replied to XXXX to collaborate with PayPal and gather all information from the receiver of the funds who was the fraudster by contacting her. Unfortunately, XXXX didnt mind the response and closed the dispute without any measure. 

I am concerned that neither of these companies has provided any updates on my fraud case or the status of the fraudsters involved. I am unsure if these companies prioritize their customers safety or the interests of the perpetrators. It is important for these companies to uphold justice and prioritize customer satisfaction while still adhering to their policies and maintaining ethical business practices for all.
Product: Debt collection

I have my son 's XXXX XXXX medical bill from XXXX XX/XX/XXXX amount XXXX . XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX '' claim number XXXX. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate action for these violations. 
Dates fraudulent activities took place : XX/XX/XXXX - XXXX  bought and sold without my approval - {$3000.00} XX/XX/XXXX - Fraudulent payment - {$120.00} XXXX XXXX, XXXX - Fraudulent payment - {$250.00} XX/XX/XXXX - Fraudulent payment - {$72.00} I immediately asked for a refund from these fraudulent scams and told Cash App ( Block , Inc. ) to cancel the transactions. The dispute process was counterproductive and allowed the scammers to steal my money.
Product: Debt collection

XXXX will not cancel my service, -first requested by me in person at a designated XXXXXXXX store on XX/XX/XXXX, again on via phone to the company XX/XX/XXXX and again XX/XX/XXXX via chat transcript, XX/XX/XXXX -via phone conversation and in XX/XX/XXXX via email from their legal representation. Requested multiple times in past year to cancel service. XXXX sends my debt to a collection agency using an improper address and improper former last name ( yes, they have been told multiple times to correct it and given proof of the address and name change ). As a result of XXXX not canceling the service, I am being sent to collections for " fees '' after they have informed me of the account being disconnected and the account {$0.00} balanced. 

Their representatives tell me they will cancel the debt and notify the credit agencies, and then three months later another debt collection appears on my credit report for " Fees ''.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to XXXX applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX XXXX  office and screen shots
Product: Checking or savings account

On XX/XX/XXXX I made an attempt to make a purchase and the sale was declined 5 times, due to the time restraint and the fear of my card being locked, the purchase wasn't made. When I arrived back in the country, I became sick and was placed in XXXX. My wife assisted me with calling Wells Fargo because I kept getting message about a low balance to my account. At the time of the call after reviewing the account online, we noticed the 7 declined transaction was posted to the account which prompted us to do a claim. The claim went thru and I was told they would investigate it and let me know. After a few days, I was told the charge is valid and the I would have to go into a branch and show them receipt of the failed transactions. I did that on XX/XX/XXXX and was told there was nothing Wells Fargo can do. I called the vendor and they said the bank would have to reverse the charges. I have been a bank holder with Wells Fargo when they were XXXX. I trust my money should be protected when I add funds to the account which seems like its not. I would like to file this complaint because I've don't all the I can do as a consumer.
Product: Debt collection

On or around XX/XX/ Security Credit Service post my account with the credit bureau without my permission. 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. This is against the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Credit Service did not have my permission to disclose any of my personal information without my written instructions. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.