23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX alarm rep stop by my business in XXXX. In which I signed up for. 1 year later XXXX hit and I contacted XXXX to cancel service as my business was closing. XXXX cancelled my account over the phone and I never heard from them again. Today XX/XX/XXXX I receive a text message from a debt collector called zions debt holdings llc stating I owe {$1800.00} or they are reporting to the credit agencies. I spoke with XXXX and they stated the debt is valid. I called XXXX and they stated they cant speak on the account as it was sold to a company called landmark. 
I called XXXX back and they stated they bought this debt from landmark which is no longer in business. I have perfect credit and never been late on any of my bills. This seems like a scam and needs to be stopped. XXXX states I signed a 4 year contract with XXXX, however when I called them in XXXX the guy on the phone understood and said my account was cancelled.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither removed nor corrected disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

My consolidated federal student loans are serviced by FedLoan Servicing. ( I have made about half of my qualifying XXXX XXXX XXXX XXXX payments. ) Last year, I received a pay raise from my nonprofit job, and in XXXX I filed the annual recertification paperwork. In XXXX, I was told that I was no longer eligible for the XXXX plan and was placed on the standard plan, which I ca n't afford. I applied for certification a second time because I am eligible for at least the XXXX plan ( my last XXXX is around {$67000.00} ). Since then, I have been deferring payments because I am unable to afford them at the standard plan rate. I also checked on XXXX separate occasions with FedLoan representatives, who quoted me estimate of approximately {$360.00} in monthly payments. In XXXX, XXXX approved me for the XXXX plan at {$410.00} per month. ( I can explain my math if necessary. ) The FedLoan representative I spoke with advised me to request a recalculation, which is just submitting yet another recertification, which will take several more months. 

The summary of this is that by initially and erroneously adding me to the standard repayment plan, which required me to defer loans for multiple months while they recertify me for an XXXX plan, and now asking me to submit the same paperwork for a third time, the balance on my loans with FedLoan has increased approximately {$9000.00}, or 10 %, in a matter of months. I have no recourse to expedite the recertification, I ca n't get insight as to the math they use, I always get conflicting information or learn something after it would have been beneficial, and each time I request a recertification, it takes at least three months, all of which puts me further behind making my required payments. 

FedLoan financially benefits from these delays by compounding the balance on my loans, all of which could have been avoided by competently recertifying me in the first place. 

I 've attached my latest tax return as evidence of my adjusted gross income, and I 've also attached documents from FedLoan Servicing indicating the revised monthly payment terms and forbearance notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Mortgage

I refinanced the loan # XXXX M & T bank on XX/XX/XXXX. I was due an escrow refund in the amount of {$2300.00}. It was never received. The financial institution continues to give me different information each time I call. They are claiming each time i call to put in a request for the refund it is 30 business days before they will process it. I called on XX/XX/XXXX and they assured me the check had been cut and verified the mailing address. Today XX/XX/XXXX they claimed that the address was not updated and XX/XX/XXXX makes the 30 days from request. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a copy of my credit report I see an entry listing that is fraudulently reported. It is a violation of a Congressional findings under FCRA 1681
Product: Credit card

Citibank removed all my points from my Thank You Rewards account. I earned points through multiple Citi Fwd credit cards, as they changed numbers throughout the years. 
I tried logging in to my account, but my login was denied. I then called Citibank, talked to supervisor XXXX, who is based in Kentucky with ID XXXX. He told me my account was closed and it was " inactive '', claimed Citibank " sent a letter '' saying my account would be closed, but was not able to say when the letter was sent nor had a way to track it. I told him I never received a letter or email or call or anything. 
He then offered to credit my account " in XXXX points, which is about half of the points ''. I rejected the " offer '', telling him that by accepting it I would be in line with Citibank 's actions, which I 'm clearly not. I told him I wanted nothing more, nothing less than the points I 'm entitled, which I earned by spending money on the card since 2009. 
There are at least a couple of cards that earned credits, ending in XXXX and XXXX.
Product: Prepaid card

My sister bought an American Express gift card, which is considered a prepaid card in XXXX 2015 for my birthday. Unbeknownst to her and myself since we did not read the fine print, there are {$5.00} of fees each month on this card. Basically American Express took the % XXXX back in monthly fees of {$5.00} per month up until XXXX XXXX today. When I used the card today, it had {$8.00} left on it. I thought it was illegal to charge fees on a gift card due to the Consumer Protection Act. I consider this to be an egregious act of greed and a predatory business practice. Neither my sister or I were aware of these card fees This card is presented as a gift card but does not act like one. I asked American Express what the fee was for and they said it was a maintenance fee. I asked them what they were maintaining since I had n't use it for 6 months? She could not answer me. Please let me know if you can stop this predatory practice. This was very upsetting to me because I have never had a gift card given to me eaten up by bogus monthly fees!! It is really mind boggling!! Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inncorrect payment XXXX payment on record XXXX Also XXXX XXXX should be dropped XXXX XXXX. 

XXXX XXXX should be still there XXXX. Paid. 

XXXXXXXX XXXX XXXX paid as agreed XXXX These should be on record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX Report. 



Subject : Urgent Notice for Immediate Removal of Inaccurate and Unverifiable Accounts Dear Credit Agencies, This letter serves as an urgent notice regarding your failure to properly investigate and dispute the accounts on my credit report. These items are inaccurate, unverifiable, and the result of identity theft. The continued reporting of false information not only violates my consumer rights but also invades my privacy with damaging and false data. 

Under FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ), you are required to ensure the maximum accuracy of reported information and thoroughly investigate disputes. Additionally, FCRA 609 ( a ) ( 1 ) mandates providing verifiable documentation to justify the reporting of any accounts. 

Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Creditors and bureaus must remove unverifiable items. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Reiterates the requirement for accurate and verified credit reporting. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Prohibits re-reporting unverifiable accounts without notice. 
This matter can not wait 15 or 30 days for resolution. I demand the immediate deletion of the following accounts within five ( 5 ) days : Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
- Unverifiable and identity theft. Breached XXXX XXXX XXXX - XXXX and identity theft. Breached XXXX Date opened XX/XX/XXXX XXXX {$330.00} Status Collection account. {$330.00} Failure to comply with this demand will result in formal complaints filed with the CFPB and FTC and potential legal action for damages caused by these inaccuracies. 

Thank you for your immediate attention to this urgent matter. 

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

XXXX EQUIFAX AND XXXX ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE
Product: Checking or savings account

My online ID was hacked and changed and money was XXXX to another person without my authorization on XX/XX/2022, I called the bank to have the transaction canceled but they said they did what I had asked them to do which I did not, the bank froze my online ID upon multiple logins that day between myself and the scammers to gain access over me they managed to change my Id login and change my number from the accounts. I have had the same number for over 15 yrs, I never authorized these changes, the other persons were in a different state and city and had different phone carriers than mine which I longin ' almost on the daily, I can not believe BofA would allow this to happen to my account which I have had for more than 20yrs. their fraud dept did not do its work on protecting me from an unusual activity I have never used XXXX from these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letter sec XXXX and called with police report number still have XXXX auto loans that are not mine and amex with balance of XXXX not mine along with XXXX hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items
Product: Debt collection

I request that you promptly update the delinquency date to accurately reflect the timely payments made. It is imperative that my credit report accurately represents my creditworthiness, and any discrepancies negatively impact my financial standing. 
XXXX  XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information contained in my credit report. The inaccuracies identified not only violate my rights but also tarnish my creditworthiness.
Product: Credit reporting or other personal consumer reports

inproper use of my credit dont recognize accounts voilation 15 USC 1681 B pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit that has been open for over 3 years now, I tried to dispute it, but all it did was extend the amount of time it will be on my credit. It should have fallen off at XX/XX/XXXX and now will stay on my credit til XX/XX/XXXX.
Product: Credit card

I closed my Barclays Mastercard Account in XXXX of XXXX. In XXXX of XXXX, in accordance with the autopayment the account was paid in full. I sold my home associated with the billing address in XXXX of XXXX. 3 1/2 year later, a charge from XXXX XXXX appeared on or around XX/XX/XXXX, for {$20.00}. I did not authorize this charge as the account had been closed for 3 1/2 years. Bills were sent to the address associated with the closed account. After 6 months, Barclays charged off the card and show my credit as the fault. This is fraud. I contacted Barclays about this when I viewed my credit report in XX/XX/XXXX. They saw the discrepancy and asked me to submit information in writing. I did. They have taken no action and this is fraud and is unfairly hurting my credit rating. The account in question is XXXX. XXXX recommended I report this to you. I am also going to file a police report.
Product: Credit reporting or other personal consumer reports

Please see my attached Notice to file XXXX, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have XXXX hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX  XXXX XXXX
Product: Credit card

I was unable to keep up with 3 chase credit card payments, I spoke with Chase on XX/XX/2023 and made arragments and enterred into a repayment plan with 0 % interest for 5 years, i made the intital payment and chase did not honor that agreement and charged off one account after an repayment agrement was made.
Product: Debt collection

Debt was owed but taken care of and dropped off of my credit report. 2 months later it reappears by XXXX XXXX XXXX. Tried to contact but no answer. Has terrible reviews of malpractice and fraudulent activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted the credit card company, I spoke with supervisor XXXX id # XXXX. 
I advised him I wanted to close my account, we confirmed it was a XXXX balance. So I closed my account and now it shows a 30 day late. And it should be on time no late payments and closed at my request. A perfect payment hiatory.
Product: Bank account or service

On XXXX/XXXX/16 I visited a J.P. Morgan Chase branch located in XXXX due to an advertisement that was sent to my email. I asked a simple questions in regards to what would the requirements would be to open an account with this bank, they stated I needed two forms of I.D . and my social security. At that point I asked if my social security number was mandatory to obtain in order to proceed with the account, they stated that it was a type of U.S. Law that required me to provide that with any account. After I was verbally told that specific information, I pulled up this website that states that a social security number was not a requirement so they proceeded with asking more personal information, thereafter I was told to leave the branch due to not qualifying under their policy. This situation was embarrassing and made me feel discriminated against. No disclosure or acknowledgement where in the advertisement stating what they mentioned to me in the branch.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was laid off from XXXX XXXX XXXX and was offered a grant from Rhode Island Housing Assistance fund for 24 months mortgage payment Assistance but it required my servicer to provide my mortgage records. Which were requested by Rhode Island Housing on well over a month ago and by me daily. I call every day and get nowhere. 

The day I was laid off I called and requested forbearance and it took me two months to get approved. Other servicers are very responsive, and Fifth Third Bank is not willing to help. I will likely lose my grant due to Fifth Third not responding to Rhode Island Housing for my mortgage records and lose my home.
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 : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.