23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Costco member for years and used a Citi Costco Credit Card ( ending in XXXX ). My card expires XX/XX/XXXX. The recent period has been difficult financially for me. However, I always pay the minimum. In addition, I did not violate any rules or make any mistakes. On XX/XX/XXXX, I received a notice stating that a new card would not be issued after it expired. The reason is my low credit score. 

Now, here is the question they need to answer : can they take any action outside of the agreement between their card users and their company? The agreement never states that if a card user has a low credit score and has an outstanding unpaid balance, even if the user has kept paying the minimum, the credit card company has the right to reject reissuing the credit card after expiration. 

I have many other credit cards, such as XXXX XXXX, XXXX, Citi Simplicity, Citi Double Cash, etc. They never did it to me. I called them, asking whether there is a process for getting approval when they need to reissue the credit card after expiration. They said reissuing the card is automatic, no need to check your credit score or depend on it. 

I called the CITI Costco Credi Card company twice. At first time, they asked me to reapply for the card. Later, I received their letter, where they used the same reason to decline to issue a new card. On XX/XX/XXXX, I called them again, stating that you closed my credit card account and refused to reissue the card after it expired. That action is outside the agreement. Your company has no right to do it. I asked the representative : " Am I right or wrong? '' " If I am wrong, please show me the clause in the agreement by which your company can close my account. '' The representative was silent. Then I asked her to write down a note regarding my concern, forward it to her supervisor, and let the supervisor call me back the next day with the answer. I didn't get a callback.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

HI CFPB, please help me with this complaints : Im writing because yall have been violating United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Youve been furnishing reports for credit or insurance transactions that I didnt initiate. When I pulled my credit report, I saw multiple violations. Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

According to the law, a consumer reporting agency can only furnish a consumer report for credit or insurance transactions that I didnt start if : ( A ) I authorize the agency to provide such a report. ( B ) ( i ) The transaction is a firm offer of credit or insurance. 
And you can't furnish a record of inquiries for credit or insurance transactions that I didnt initiate unless it's provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if someone obtains a consumer report under false pretenses or without a permissible purpose, they owe actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. 

I didnt initiate these inquiries. If you think I did, send me copies of my written signature giving consent. The items below need to be removed from my report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Where did you get this misleading information? This is unfair! DELETE! 
Under 15 U.S. Code 1681n ( b ), youre civilly liable. Ive already reported this to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

My rights under Section 611 of the Fair Credit Reporting Act are clear. I demand these accounts be deleted from all current and future credit reports. Send me the full credit report along with the investigation results to XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

Thank you for your help with these inaccuracies. 

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

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX  XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : I have never paid late
Product: Credit card or prepaid card

I called the number for the automated system for my serve card, pushed the option for recent transactions many of them said " incoming '' deposit {$0.00}. So i pushed to option to speak to a representative, asked to speak with a supervisor named XXXX XXXX the time was XXXX. approximately, the number I called was ( XXXX ) XXXX. While speaking with XXXX XXXX I asked him about these deposits, yet he claims they are a " fee '' of some kind, but the automated system has them marked as " DEPOSITS '', which would be a credit to my account and ANY fee no matter what it's for or called would be a " DEBIT '' to my account which would then bring my negative. And if this is actually a fee then why was the amount {$0.00} and there were approximately 4 or 5 maybe less, but yet it was supposedly a monthly fee. I asked for XXXX XXXX XXXX 's employee ID #, but he refused to give it to me. On the mobile app it has a button for " sub-accounts '' but I CAN NOT click on it. I've been having issues with fraud on MULTIPLE cards/accounts and I believe this could potentially be another one, but the representatives refuse to help me in any way. 


Thank you, My name is XXXX XXXX, and my cell phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows as a missed payment on all 3 Credit Reporting Companies : XXXX, XXXX, and Equifax. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all 3 credit reporting companies. 
I disputed online all 3 with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXXXXXX XXXX bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.
Product: Credit reporting or other personal consumer reports

I HAVE REPEATEDLY CONTACTED EXPERIAN CREDIT BUREAU REQUESTING THEY " PERSONALLY " CONTACT XXXX XXXX XXXX  BY PHONE. 
I HAVE SPOKE WITH 3 EMPLOYEES OF XXXX XXXX  WHO VERBALLY VERIFIED MY PAYOFF ON XXXX XXXX XXXX 
THEY SENT ME A EMAIL ALSO. 
.. BUT AFTER ( at least ) THREE ( 3 ) ATTEMPTS TALKING WITH SOMEONE AT EXPERIAN AND SUBMITTING COMPLAINTS ; THEY STILL REAFFIRMED THE NEGATIVE AND INACCURATE INFORMATION ON MY CREDIT REPORT. 
I NOW HAVE THE TITLE TO MY VEHICLE WITH XXXX XXXX XXXX AS THE RELEASE DATE. 
I AM XXXX WITH XXXXXXXX XXXX  AND THIS HAS TRIGGERED MY XXXX REPEATEDLY RESULTING IN ME BECOMING XXXX
Product: Credit reporting or other personal consumer reports

Filed a complaint regarding unauthorized access to my student loan, XX/XX/XXXX, and tax records by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a violation of FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), Title IV of the Higher Education Act, and IRS Tax Privacy Laws ( 26 U.S.C. 6103 ).

Details of the Violation : I recently became aware that my legally protected records were accessed without my consent, including : My academic records and personally identifiable information ( PII ) My XX/XX/XXXXand student loan history My IRS tax transcripts, which were obtained and used without proper authorization This raises serious concerns of identity theft, fraud, and financial misconduct, and I am requesting immediate action to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX homes offered to pay for 1 year 's HOA dues as an incentive for financing with their title company First American Title.. The title company calculated the HOA total incorrectly ; leaving the total 2 months short. XXXX XXXX paid settlement costs, but was short 2 months on the HOA dues. The HOA has now billed us, including late fees for the shortage, saying they are not responsible.
Product: Debt collection

YOUR COMPLAINT Credit control , LLC is trying to collect on a debt that was the result of identity theft. XXXX  XXXX bank was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also credit control XXXX  was told that the account was the result of identity theft and XXXX XXXX XXXX. 
Why do I need to keep repeating myself with this company? They continue and persist to try and collect something that is not owed by anyone of this home. 

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

I have disputed the late payments XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was affected in the Equifax data breach disclosed in XXXX 2017, some 5 weeks after the incident occurred. During that time, 3 executives sold nearly 1,750,000 USD stock. When the stock was sold, Equifax then disclosed that there was a data breach. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting

I received an email stating my results are ready and to access them within XXXX days from XXXX but have been unable to do so. In addition to their provided Report & ID number, I was to enter my ssn, state, and zip code. The entered values are accurate and should all access to my results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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. XXXX XXXX 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 4 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 21 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my consumer report. Specifically, I believe that Equifax did not follow the proper protocol for validating information on my report, and I am now requesting information about their verification method. 

As a consumer, I have the right to accurate and complete information on my credit report. However, I have reason to believe that some of the information on my report is inaccurate or incomplete. I have attempted to dispute this information in the past, but have not received a satisfactory response from Equifax. 

I believe that Equifax did not follow the proper protocol for validating information on my report. Specifically, I believe that they did not verify the accuracy of the information with the original creditor or other reliable sources. Instead, you relied on incomplete or outdated information, which has resulted in errors on my report. 

Therefore, I am requesting information about Equifax 's method of verification. Specifically, I would like to know how they verify the accuracy of the information on a consumer report and what steps they take to ensure the information is complete and up-to-date. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day. 

I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now. 

( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot. 

I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.
Product: Debt collection

The law states that 15 U.S.C. 1692c is a law that governs how debt collectors can communicate with consumers and third parties. It is part of the Fair Debt Collection Practices Act ( FDCPA ).

Debt collectors can not communicate with third parties without the consumer 's consent or a court order.

Debt collectors can communicate with the consumer 's attorney, the creditor, the creditor 's attorney, or the debt collector 's attorney. 

On My XXXX account the account # is XXXX it shows the amount of XXXX the original amount is XXXX they say I owe XXXX. 
This is obviously fraud.
Product: Credit reporting or other personal consumer reports

I requested that XXXX Acct # XXXX be removed from my report as it was identity theft and its still on my Experian report. This account was removed from mt XXXX XXXX, and XXXX report. I want this removed within 72 hours off my Experian report.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights XXXX  Account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent experian, XXXX, and XXXX certified mail. This is messing with my lively hood.