23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was frustrated with a dispute related to a car repair where Citi sided with XXXX XXXX XXXX, while XXXX XXXX ruled in my favor. I had split the {$2300.00} payment. The mechanic addressed the leak but failed to fully reassemble everything properly. 

I requested that my Citi account be closed. Later, I called back to reopen it and was initially told I would need to reapply. When I called again, I was informed they could submit a request to reopen the account. 

On XX/XX/year>, I called and was told my request had been denied, and I would receive a letter with the details. I asked to speak with the appropriate department and was given the number XXXX, which turned out to be a XXXX offer line. I called back and requested to speak with a supervisor but was told there were none available. I also requested U.S.-based support, as past requests had been mishandled due to language barriers, but instead, I was repeatedly transferred to an IVR system XXXX 

This scenario repeated when I asked to speak to the complaint department. Finally, on my third or fourth attempt, I was connected to a supervisor who read the letter to me. The letter stated that my account could not be reopened due to a late payment listed on my credit report. I explained that those reports were erroneous. XXXX has since corrected the late mentions, and the XXXX XXXX car loan was fully paid off with the late payments removed. 

I simply requested that my Citi AAdvantage card account be reopened the same daya process I know is possible, as Ive had accounts reopened in the past. This situation felt mismanaged. Additionally, I found it frustrating to have to make multiple calls just to speak with someone in authority who could properly handle my complaint and escalate it to the correct team.
Product: Debt collection

I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response
Product: Credit reporting

I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.
Product: Student loan

On XX/XX/2022 I called and spoke to an Edfinancial agent about requesting a refund of payments made during the pandemic. I have called repeatedly because I have yet to receive a refund. On my 4th call I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. My loan amount has not changed. Nobody can give me any further information.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX for the following reasons 1.inaccurate reporting XXXX XXXXXXXX XXXX XXXXXXXX has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability. 2. Misuse of Federal Reserve Loans, I am concerned that XXXX XXXXXXXX XXXX XXXX may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 3. Abuse of Insurance Policy, XXXX XXXXXXXX XXXX XXXXXXXX charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 4. XXXX XXXXXXXX XXXX XXXXXXXX is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/2021 amount {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX with XXXX through the cfpb about the furnished accounts on my consumer report. 

XXXX came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX shows a balance of {$950.00} Experian shows a balance of {$850.00} XXXX shows the account being late beginning in XX/XX/XXXX Experian shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as XXXX stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on Experian.com XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.
Product: Credit card or prepaid card

In XXXX of XXXX  I applied and received a balance transfer Citi XXXX offer for a balance transfer of XXXX at 6.99 % for 24 months. The monthly payment plus interest included in monthly payment is supposed to be XXXX I have paid this amount plus more at times and the full balance on each billing cycle/ statement as I use the card for my current work purposes. I was reviewing my statements XXXX and was alarmed as I not only have been charged finance charges on unexplained portions of my balance transfer that were not agreed to but there is another promotional activity called Rt Sale Offer 4 that I did not sign up for that has taken another unexplained amount of my balance transfer and started adding my monthly charges per month, that I pay in full, and are charging me an interest rate that appears to be accumulating. I called customer service immediately and was disconnected the first time, and the result of the second call was that I will be notified in 7-10 days. This is a serious matter as far as I am concerned and should be addressed immediately. Non-authorized activity of moving some of my balance transfer amount and adding interest to charges I pay off every month to a promotional offer I did not sign up for seems illegal to me. If Citibank feels these are tactics they can use to confuse consumers into paying interest charges then they are messing with the wrong person. I will be seeking counsel should I feel this is not being rectified in a timely manner, and then there is always XXXX XXXXo bring attention to warn other consumers. I am dismayed at the lengths some companies will go to for an XXXX dollar. I hate to think of how many consumers XXXX XXXX XXXX XXXXXXXX who was not getting paid high dollar during XXXX, and whose partner was unemployed for XXXX years, who are trying to pay off the accumulation of XXXX XXXX bills the right way, but not astute enough to figure out these tactics, where they are actually being taking advantage of. It brings me back to another related point. I have always had good credit and my score remained high, but because I had added this amount to my debt ratio, it was hard to find a decent balance card transfer offer. The same companies that denied me or did not have any offers of being able to lower my interest rate, were sending me pre-approved offers for other credit cards. For what? To see if I could accumulate more debt so they could collect additional interest charges. The American way. Once this is rectified and I can pay this off, I will not be doing business with any of these establishments that turned their backs when I needed a helping hand, and certainly not with ones who are trying to take advantage of someone's financial situation. If they did it to me, I can only imagine how many others have been treated the same. I did not turn my back or try to take advantage of others when XXXX XXXX XXXX XXXX XXXX XXXX. Another sad reality of big business, XXXX XXXX, poor leadership and just not doing the right thing. I see this is not the first time Citibank 's ethics have been questioned.
Product: Credit reporting

I mailed Experian a letter asking them to investigate numerous items. I included all the required documentation as per the instructions on their web site. They sent a letter saying I did not send the right ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this creditor, I am not liable for this account.
Product: Debt collection

This debt is more than 7 years old was removed from my credit report in XXXX because it was 7 years old and then re added by a different company. I never received notification other than XXXX XXXX. The date reported as opened in XX/XX/XXXX that is inaccurate
Product: Vehicle loan or lease

I have contacted TD Auto finance to receive the title for my XXXX XXXXXXXX XXXX XXXX. I paid a fee to receive my title. I was told it was sent in the mail. I never received my title. Instead the company sent a Lien release termination statement. I took the document to the Department of Motor vehicles in Florida. They do not accept this as a title. 

I called the same company and was on hold and sent through a continual loop of returning to the main menu. When I finally spoke to someone the employee told me to hang up and keep trying the number again. She then put me on hold and after 30 minutes to call was disconnected. I still do not have a title for my vehicle.
Product: Debt collection

On XX/XX/XXXX I was called on my cellular phone by Cedars Business Services for a supposed debt collection measure arising from a XX/XX/XXXX incident which never had occured. I had not seen any letter from the company prior to this phone call. It was for a supposed non-US parking violation outside of the United States in XXXX. The person on the phone insisted I was in violation and must pay immediately. 

I explained in the phone conversation that no amount is due, no infraction was ever done, and that calling as a debt collector is not appropriate without any letters of information. Following the phone call I was sent a letter. I immediately sent an email explaining my position of an incorrect / erroneous debt collection, which was outside of the United States and never sent to me. I had never been in violation of anything during this time period. 

The company 's phone number is XXXX They are at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX in XX/XX/XXXX after paying off balance with NetCredit I drew funds. I made payments and received receipts of payments but missed a couple that I thought were paid as I received emails stating they were paid. Upon learning of the missed payments I entered a payment arrangement and have been making those payments. Account was reporting fine. We bought a house and closed XXXX XXXX. Our credit was run that day and no delinquencies reported. XXXX days later I got notice my score dropped XXXX points. I immediately contacted NetCredit who reported a 30 day late in XX/XX/XXXX. I disputed with the bureau and it was returned as accurate though NetCredit updated it and changed the delinquency from XXXX  days in XXXX to XXXX  days in XXXX and XXXX  days in XXXX resulting in a second XXXX point drop to my score dropping it to XXXX. I again reached out to NetCredit asking them to correct this due to the miscommunications on their part and my belief that the account was in good standing. Both times I received canned responses saying the credit bureaus determine what to list and report. Today ( XX/XX/XXXX ), when I discovered the second XXXX pt drop I did some research and learned that NetCredit is not legally permitted to issue loans or lines of credit in the XXXX of Nevada. They were aware I was a resident of Nevada. I have lived here almost XXXX  years. My bank account the drafted from is from Nevada, I work for the Nevada government and provided them paystubs showing this as well as a copy of my state issued Nevada identification.
Product: Debt collection

Received a call when I answered the call was disconnected. Called back the recording indicated a balance of {$310.00} was due and provided ways to make payment. I prompted for a representative of whom refused to say who the call was for and that I will need to I.D my name. I advised I received a call and according to the FDCPA they are required to say who the call was for as they initiated contact by calling my phone. The unknown representative refused information and hung up. I called a second time and spoke with XXXX XXXX, requested to know who they are calling for and repeated the same with the previous representative ( she hung up as well ). The third call was immediately terminated without a representative acknowledging the call had been answered. 
SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX https : //www.sequium.com/
Product: Debt collection

I have sent Focus financial Service attempting to collect a debt for XXXX XXXX, I have reached out to the hospital told them i am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit so I got a credit report done and in XXXX of XXXX  there was a hard inquiry pulled for discover equity loans and I did not try to take out an equity loan or even get information about it. I just need to figure it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & XXXX Experian has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Product: Credit reporting, credit repair services, or other personal consumer reports

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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

I looked at my report and discovered the three said accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all accounts were unauthorized and not properly investigated therefore should be removed immediately
Product: Credit reporting or other personal consumer reports

I didnt make the inquiries on my credit report. I disputed them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX. I recently obtained a program for my phone which makes it possible for me to see my XXXX bank statements. When I checked them I saw that my balance was lower than it should have been and I went to XXXX XXXX to ask them to investigate. I found out that Experian has been deducting fees from my account since XXXX 2011 every month, but I never signed up for any service with Experian. The bank found the charges were unauthorized and refunded three months of the charges, but said they could not go back further. I contacted Experian and they claim that I signed up for a free trial and never cancelled, but I never signed up for any trial. They are refusing to refund me the charges. I did not discover the fraud earlier because I was unable to review my bank statements because I am XXXX. Since I did not receive any statements or services from Experian, I had no idea someone opened an account in my name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX  account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records.

Discrepancies Across Bureaus : The reported details for the same account vary across XXXX, Experian, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness.

Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations.

Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late.

Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ).

Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records.

This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
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 XXXXXXXX XXXXXXXX XXXX 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.