23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX at Tower loan in XXXX XXXX Missouri, violated privacy practices by contacting, and, giving information to my husband ( who is not on the loan ). The information she gave was that I owed them money and was 3 months behind on my loan. I have contacted their main office, and, the XXXX. Yesterday this same woman, apparently after having been informed of my complaint, called and left a rude and very inappropriate message, mocking me. I have informed them of the reason for my delinquency. I did not ask them to stop calling because at that point, I fully intended to make the account current.
Product: Credit card or prepaid card

Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the account which is having a late payment status on my credit report. XXXX XXXX XXXX XXXX is an on time paid account and should not be reported as such. Given the fact that I send my payments before the due is unfair when you see this error on your credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive settle an account with national credit adjusters llc for the amount of {$1500.00} on XX/XX/2018. The original debt amount was {$3900.00}. Even though the account was settle they told me that they were going to delete the account from the credit bureau within 30 to 45 days. Ive called them several times for the account to show the right information but they refused to send the right information to the credit bureau and therefore this show a balance of {$2400.00} instead of a balance of {$0.00} since the account was settle for the amount of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX, Experian, XXXX, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, XXXX, XXXX, Experian, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Product: Credit card or prepaid card

As Previously stated, I and my family are the victims of ID Theft, account take over, gift card fraud and payment ( ACH ) fraud that caused bounced payments to my XXXX  and XXXX XXXX XXXX  accounts. Citibank has now closed all of my accounts, where I have been a customer since XXXX ( Home Depot ). This was all made aware to Citi when I returned home from a business trip to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX where I also provided my itineraries. 

Today, I received a call from a strange phone number XXXX presumed fraudster XXXX # XXXX. The person identified himself as XXXX XXXX and stated he was working to # XXXX fix all of my Citibank accounts and that he noticed that the XXXX  XXXX had {$9000.00} applied to it that was not mine ( Gift card Fraud that I have reported several times ), Citi took them all off from both account, added them back on, removed all again, and then added back on again. Citi has done nothing but be abrasive and abusive, save three manager ( one from Fraud and two from XXXX XXXX XXXX who had already cleared things up. Yet XXXX XXXX didn't have the documentation and though all had been approved by Sr. Management to be removed again, the Credit Management team and XXXX added them back though I am an obvious victim of all the above as stated. This is disgusting since I am not responsible for any of these charges. 

What I showed above ( phone number and name ) of a person that has my personal information that allowed them to access my accounts cause fraud, cause account take overs, cause Identity theft and then therefore caused Citi to add back these charges that did not come from me and are FRUD!!!!! The above phone number and name is another yet another piece of proof that I am a victim of ID Theft, Account Take over, Payment Fraud with ACH bounces and finally account closure because I am being screwed by a fraudster and Citi is allowing to ruin my credit! These actions by Citi are wrong all the way around and I demand this be handled or the next note will be from my attorney with a summons to appear in court!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX  standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 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, 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. 

I NEVER gave You, CREDIT ACCEPTANCE CORPORATION any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. The CREDIT ACCEPTANCE CORPORATION has caused severe stress and anxiety due to the abusive and unfair practices. 

You, CREDIT ACCEPTANCE CORPORATION, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

CREDIT ACCEPTANCE CORPORATION, Account XXXX XXXXXXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that! am or have been late. 

It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best RegardsXXXX XXXX XXXX XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights- Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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: Credit card or prepaid card

I have 3 cards with Amex BlueBird 1 is mine, 1 for my fiancee ( with her name ) and Daughter her name on a family account she get her paycheck there. My fiancee has her unemployment check deposited on there. now we have no money. I have had Blue bird for 4-5 years with no problems until today. 
today XX/XX/XXXX I can not login. I tried calling they just keep hunting up and emailing me a general statement saying this below. This is not right I can not access my funds -- ( During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I contacted my servicer " Great Lakes '' during COVID-19 to determine when I needed to resubmit my IDR plan request. I also got an email from the company stating " Please send proof of your gross income by sending in one of the following : - W2 ( current year ) - Pay stubs ( indicate weekly, bi-weekly, monthly, etc. ) - Letter signed and dated from your employer and must include : - Gross income - Pay frequency ( weekly, bi-weekly, monthly, etc. ) - SSN and/or name '' I provided my W2. I then called 2 weeks later since I had not heard anything back and the representative said its finished and I just haven't received communication back yet but in her system I should be contacted soon. A few days later I received an email that the same thing as before. I was then told I need to give them my Tax returns. I did that and a week later now they want pay  stubs stating my spouses income information is " unavailable '' yet its on the tax return I submitted and they are asking for only my paystubs which make no sense. I have been working on this for over a month and my application is due soon and I keep getting a run around from the company. 
I can provide emails, etc if requested.
Product: Credit card or prepaid card

On XX/XX/2022, a female in the Fraud Dept, told me she would not close my account, per my request. She stated that I had to submit a tax form if I wanted to close my account. She refused to state why her department needed the tax form and why I couldnt close my account. 
The following day, on XX/XX/2022, I was told the same thing by a male representative in the same department. 
When I filed my initial CFPD complaints, XXXX from the Presidents office stated that I could have closed my account anytime, and what I was stating the Fraud Dept told me is not true. 
If the Fraud Dept. closed my account when I originally asked, the CFPD complaints would not have been made.
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. XXXX has it as 60 days on XX/XX/2022 and both XXXX and Experian has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!
Product: Checking or savings account

Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.
Product: Checking or savings account

I had a checking account with Axos Bank that was still new or before the 30 day period. My cousin deposited {$1000.00} straight from his XXXX XXXX XXXXXXXX debit card into my account. For the first week or two after the money cleared everything was fine. I moved {$200.00} to my XXXX stocks account and spent another {$50.00} or {$60.00} on various other investment accounts I have. Shortly after this bank closes my account so I can't log in, with out any notice what so ever. Their reason for doing this is because there was a fraudulent deposit made to my account. They gave me no options and I wasn't able to Show them otherwise. They closed my account with {$740.00} still in the account and I have never seen a XXXX of that money. I have called and called. No one can ever give me a straight answer. Some of the representatives I talked with say they sent me a check and others tell me it went to the state of California. I feel this bank robbed me of my money and I want it back.
Product: Checking or savings account

I closed my checking and savings account with Citibank in XX/XX/XXXX. Ever since XX/XX/XXXX I 've received a daily alert to my email : XXXXXXXXXXXX regarding my balance. This has been going on for many months. I called Citibank a few days ago to inquire on why I 'm getting bank alerts for accounts which were closed in XX/XX/XXXX. The representative had no answer. I asked her to please ensure my accounts are closed and to please discontinue the email alerts. She told me she could n't discontinue the alerts on the checking and savings accounts because I have a credit card account that gets alerts ( it made absolutely no sense ). I was placed on hold for a long period of time and call was disconnected. I was so irritated by the handling of the call I did n't call back. I waited about a week to see if the alerts would stop and they did n't. Given the situation with XXXX XXXX recently falsely opening accounts to meet sales quotas ... I 've become worried that my accounts were reopened or never closed. I do n't see why the representative could n't assist me other than my accounts are open and she did n't want to tell me that.
Product: Debt collection

ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM. 
THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.