23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

No citizen has directly and explicitly consented to the 3 credit reporting agencies. We citizens trust that you, the CFPB, will regulate and enforce supportable policies. 

Experian lost my personal data due to a preventable intrusion. I have since locked all my credit reports. Every single time I have tried to lock, unlock or even view my data at Experian I have failed their online security test to prove myself. I only ever fail security tests with Experian and never the others. They do not let me create a consumer account to manage my credit, they give me a PIN each time I lock/unlock my report. And every time I try to use the PIN for the next transaction, as should work, even their own PIN check fails. 

I am currently buying a house and must unlock all my credit reports for mortgage precertification. Once again, I breezed thru unlocking my credit reports at XXXX and XXXX but I failed the security test at Experian. And now I have to call them but only on weekdays during business hours. The exact same time I work. 

Experian clearly can't even manage to provide a proper system to verify my identity let alone have the proper protocols to secure their data internally. What steps are the CFPB taking to ensure that ( a ) our data is safe with Experian and ( b ) when we have life events requiring we access our data that we actually can do so and ( c ) to ensure that they are providing consumer support during non-traditional business hours?
Product: Credit reporting or other personal consumer reports

XX/XX/year> - I've attempted to access my online account on several occasions. Each time, the websites ask to verify my identify and fails to do so. I've followed each of their requests and steps. Each attempt has failed. I have called the number that is provided to verify my identify to access the online portal and reach a computer that is unable to verify and also unable to transfer me to a real person. At this point, I don't experian has any humans working there and is simply a front collecting all of information to sell it.
Product: Credit card or prepaid card

I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.
Product: Payday loan, title loan, or personal loan

I have had an issue keeping by bank account linked to my grain account to make my payments since XX/XX/2023. The first couple months it would allow me to receive a text to pay by debit card by going to a link. When XXXX came around I could no longer receive a link and my my bank account still would not link to there app, to make a ach payment from my checking. I have contacted grain multiple times by going to their website and filling out the form and received no calls or emails. There is no phone number to call to physically talk to anyone. I have never been late on my account until XXXX due to grain not assisting me to fix the issue to get my account linked. I finally tried one last thing and opened a new checking with another financial institution and was able to get that account to link, and made my payment. Which was now already late by now. Grain still has not contacted me about this issue but has now marked my XXXX credit reports as 30 days late for the first time. I dont think this is fair at all they can do this when they dont respond to help when there is an issue making a payment. I again have never been late on this account ever, until my account would not link to make a payment. Im stuck when theres nobody to contact. I want my credit report fixed!
Product: Debt collection

I continue to receive notices regarding a toll violation/fees owed. I have no knowledge of this debt and never received information on a way to dispute this debt. The company continues to report negatively on my credit after several attempts to have removed from credit report and continues to be placed back on report. I believe this debt is fraudulent and have no knowledge of where this debt came from and company their acting on behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These inquiries do not belong to me. I have made several phone calls and sent dispute letters with no resolution. These inquiries are impacting me financially and I and requesting the following be removed and deleted from my credit report. 
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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

Recently, my credit card was closed without any reason, despite having a history of no payment delays. Additionally, the closure was related to a payment that couldn't be processed in my Amazon account, which I insisted for months to be charged to my Amazon Store Card. 

For over six months, I used Amazon 's " buy now, pay later '' service. During this time, there were issues with recognizing the return of 3 out of 5 pairs of tennis shoes I purchased. Although the issue was resolved with Amazon 's customer service and I agreed to pay with my Amazon Store Card, I was always asked to change the payment method, adding the Amazon Store Card again. Despite having sufficient funds in my credit card, the payment attempts kept failing, resulting in messages like " unable to process payment, change your payment method '', even though there were no overdue payments on the credit card, nor insufficient funds to perform a {$65.00} transaction, despite the credit on the card being FAR ABOVE.

Most puzzling was that, even after following instructions and waiting for the charge to be processed on the card, the problem persisted. Even after the card was fully paid off, the notice of an uncollected charge kept appearing.

It's surprising that, despite having an impeccable payment history and available funds to collect, Syncronick closed my credit card unjustly. This unjustified closure resulted in the loss of my right to have a credit card that I've always managed responsibly and promptly ( information that can be verified in my payment history ).

Finally, I decided to pay the charge through a phone operator and file a formal complaint, requesting correction of the error, because I knew that if I continued to insist, they would end up marking me with a late payment, collection, which would further harm me.

I believe this problem is an error on Amazon 's platform, which I contacted and they referred me to Syncronick. I've already sent a letter to Syncronick over a month ago without receiving any response. My on-time payments demonstrate that it wasn't an error on my part.

I request a thorough investigation by the CFPB to resolve this matter and restore access to my credit card. Additionally, I ask for compensation for the inconvenience caused by the unjustified closure of my account.

I expect prompt action from the CFPB to resolve this situation fairly and satisfactorily.
Product: Credit reporting or other personal consumer reports

I recently downloaded my credit report on XX/XX/2023 to check my credit report and recognize that I had inaccurate information of hard inquires on my credit report which are unauthorize and I sent out the letters to the credit bureaus and they have failed to their part of removing that inaccurate information on my credit report can you please check it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
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 : 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 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
Product: Credit card

I became delinquent on my account while I was in XXXX for XXXX treatment. Because of my condition I had a very hard time keeping my bills straight. During my 5 months of XXXX my father and grandfather died. I was under so much stress and fighting for my life. Once I discovered my account was delinquent I contacted Capital One and paid my account IN FULL. I spoke with them about what had happened. They agreed to not report my late payments. They closed my account and opened a new one. However, they have NEVER stopped reporting the negative account even after the assured me they would stop. In fact, for months they were reporting XXXX accounts - both negative! For over a year I have been sending them letters and they refuse to address the phone conversations I had with their employees.
Product: Credit reporting or other personal consumer reports

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate opening dates, inaccurate and Last reporting dates. CFPB, FDCPA and the BBB enforces 100 % accuracy when it comes to consumer reports. This company has been reporting inaccurate information that has been causing me and my family financial harm and emotional XXXX. Please have this account removed immediately. 

XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.
Product: Checking or savings account

I discovered on XX/XX/24 that my checking account was drained of approximately {$9000.00}. I immediately froze the account, requested a new debit card and filed a dispute with Key Bank in XXXX, NY. The representative at the local branch was able to pull the transactions on this account and I identified that transactions that I did not make. He submitted the dispute to claims department. Even though some of the disputed transactions occurred in XXXX, NY while I was on vacation in both XXXX, NY on XX/XX/24 and XXXX, Va from XX/XX/24 and XX/XX/24, this claim was denied. I requested a second look at this dispute because the initial denial was predicated on the fact that I was " always in possession of my debit card. '' I never let anyone use my debit card, and most of the fraudulent transactions are at locations that I have never visited, let alone made transactions at. I requested a second dispute and this was also denied, even though my local representation brought the fact that I was not in XXXX when a number of transactions posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here are the list of tems which do not belong to me or were opened without my permission ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, after several attempts, I have tried to remove Discover Bank as the debt has been fully canceled, XXXX with box XXXX being code g. 

Discover has stated that they will no longer try to collect, that they have fully discharged the debt and I have amended my taxes in XXXX to include the discharged/ canceled debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX, XXXX responded but Experian and XXXX 's XXXX is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Debt collection

I was illegally threatened by debt collector, Midland Credit Management ( MCM ), on XX/XX/2022 regarding an alleged debt in the amount of {$2400.00} from received by postal mail. 

The message stated : " If we don't hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney. '' I have reason to believe I do not owe this debt because the alleged debt is inaccurate information and MCM is using emotionally violent, deceptive tactics, and illegal practices to collect the alleged debt. 

To support my case- this same MCM debt collector was removed from my credit report after filing disputes to prove the inaccurate information a couple of months ago. 

Below are details of the additional information provided to support this complaint in an attempt to cease these illegal practices and eliminate all ruthless harassment contact from this debt collector : 1. The amount of the alleged debt : {$2400.00} 2. The full name and mailing address of the original creditor for this alleged debt : XXXX XXXX, Division Supervisor, Midland Credit Management - XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX - Phone XXXX - Online www.midlandcredit.com - Hours of Operation - Mon-Friday : XXXX XXXX XXXX/XXXX  and XXXX : XXXX XXXX  - XXXX XXXX/XXXX  XXXX. Documentation is provided to show the illegal threat letter. 

I am seeking judgment as I believe MCM is in violation of the Fair Debt Collection Practices Act and want to cease all threats. Additionally, the debt can not accrue fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Debt collection

Direct Recovery Sevices has been contacting my family members, leaving voicemails for me demanding I respond and if the matter wasn't settled, they would " move to an outside party. '' This happened once before about a month prior and they had contacted myself as well and I returned the call and asked them to stop contacting my family members and also tried to see what they were calling in regards to. They refused to tell me, getting angry and eventually hanging up on me. This was in XXXX or early XXXX, now on XX/XX/20, they have again been contact my mom and brother. Leaving threatening voicemails for myself but not actually contacting me. I have no idea what this is in regards to as they would not give me any information when I did try to return the call the first time. Now they are still harassing my family members.