23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank Visa, in its partnership with Costco, opened a Citibank Visa account in my name, using information from a previous, closed Costco XXXX account. I did not request or authorize the new account, nor do I recall ever receiving a card. I certainly never activated or used it. This week, I received a first statement showing an overdue balance comprising the original membership fee, plus a late fee and interest accrued at an annual rate of about 24 %. I contacted Citibank Visa and, ever several escalations and arguments, obtained their agreement to close the account and erase the interest and penalties. I have also demanded that Costco refund the original {$100.00} membership fee to the closed visa account, to ensure a zero balance. 
My concerns are twofold : First, I am worried about possible adverse impact on my credit. Second, and more broadly, I suspect that Citi and Costco may be engaging in practices similar to those adopted by XXXX XXXX : opening unauthorized, unwanted accounts to generate spurious revenue from unsuspecting consumers. I hope you can determine whether this incident is an aberration, or part of an abusive pattern. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit card or prepaid card

I called Fortiva about my amount that was due as I always do each month. This was done on XXXX the XXXX, XXXX.It was reported that my balance was XXXX which I do not have more than a XXXX. Not only this but that the last charge was XX/XX/XXXX. Which was posted XX/XX/XXXX? Whats wrong with this picture? Not only did I not make the charge but why did this not raise a flag with Fortiva? Maybe unauthorized. I had paid XXXX, and XXXX payments early and above the minimum payment. Where did those payments go????? I was about to make a monthly payment when I heard this on the automated recording. Got with a live customer service 3 times on the phone Never got it straight nor could anyone even mention where my payments had gone nor even comprehended fraud ; I continued to call to straighten out. with zero help. I will not pay Fortiva another dime.. Is this company a wash? A false credit card? please help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX loans from the XXXX XXXX  XXXX XXXX listed on my equifax report. 
I did not request these loans and they do not belong to me. 
I have opened a XXXX  complaint, left a XXXX review and tried reaching out by phone on numerous occasions and can not speak to anyone. 
I disputed the items on my credit with no response as of yet. 
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my report, I identified an accounts that inaccurately reports late payments. I have contacted the company associated with these accounts, and they confirmed that the late payments were errors and agreed to update my accounts and remove the late payments. 
I would like to point out that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

The following accounts in question is : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX.
Product: Checking or savings account

I decided to not receive overdraft protection and still incurred an overdraft fee of {$36.00}, which is a violation of regulation E
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!
Product: Debt collection

Diversified consultants keep on calling saying it is urgent I call them back to settle debts. 
They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.
Product: Credit card or prepaid card

I have an issue with a prepaid visa card that I purchased at XXXX in XXXX of XXXX. Upon trying to use it for the first time there were already unknown charges attached to the card that I did not make. I called customer service who sent me an dispute package and I filled it out and emailed it back. When I did not hear from them I called again and they told me it was never received so another email was sent and confirmed XX/XX/XXXX. To date no resolve has been applied to my dispute and every time I call the call is outsourced to another country and the language barrier makes it impossible to get any clarification. There is no direct number to the dispute dept available and all I want is my gift card replaced.
Product: Debt collection

I am writing to formally lodge a complaint against Rent Debt Automated Collection for multiple violations of my consumer rights under federal law.

1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Rent Debt Automated Collection has failed to provide the required validation information for the debt they are attempting to collect. Despite my requests, they have not furnished the necessary details that would validate the debt, yet they have placed a collection on my consumer report.

2. **Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been given a fair chance to dispute the account as mandated by law. Rent Debt Automated Collection has ignored my rights to dispute the debt and has proceeded with reporting the collection to consumer reporting agencies without giving me the opportunity to contest the validity of the debt.

3. **Use of False, Misleading, and Deceptive Means : ** Rent Debt Automated Collection is using false, misleading, and deceptive means in their collection practices. This behavior is a direct violation of my consumer rights and has caused undue stress and potential damage to my credit standing.

4. **Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all legally required disclosures. By failing to adhere to these requirements, Rent Debt Automated Collection is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

I am also revoking all rights of Rent Debt Automated Collection communicating with me through email/texts/calls or any other forms of communication.

I request the CFPB to investigate these violations thoroughly and take appropriate actions against Rent Debt Automated Collection to rectify these breaches of federal law. This includes removal of the collection from my consumer report and ensuring that Rent Debt Automated Collection complies with all relevant consumer protection laws in the future. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been in the market for a new home since XX/XX/XXXX. With credit scores of XXXX and XXXX we were able to secure financing easily at rates sub 4 %. During XX/XX/XXXX, XXXX XXXX mistakenly reported a missed payment on our personal loan, causing our scores to decline dramatically. On XX/XX/XXXX, XXXX XXXX informed us of the error and that they would be taking action to correct the mistake with all three credit bureaus. We notified our lender of the mistake and after re-running our credit we now have scores in the mid XXXX 's. We no longer qualify for a mortgage despite having significant cash reserves and having less than 3 months on completing the XXXX XXXX loan. As of XX/XX/XXXX, Experian has yet to correct the mistake on both of our credit reports. Since the error was 2 months ago and we have been making timely payments, our credit scores have improved but are no where near recovering to XX/XX/XXXX levels. We've contacted all of the credit reporting agencies regarding how a score is determined and were told our FICO scores, not Experian XXXX, could be what is preventing us from securing funding. We have requested a rapid rescore by Experian and FICO but they are unable to help with this despite receiving documentation acknowledging the error. We have suffered tremendously and are unfairly being penalized.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to gap insurance. While reporting it a payment had restarted the the account by the false payment but made my report look like the repossession happened less then three months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.
Product: Bank account or service

Wells Fargo employee refused to let me speak to their branch manager and give me their branch number.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and there is adverse information reporting on my ChexSystem report as a result. I have tried to dispute this information online but each time I am met with an error message stating that the request can not be completed due to a technical issue in the companys system. The following information is a result of XXXX XXXX  and should be deleted immediately. 
XXXX XXXX Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$4600.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$160.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX XXXX  Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Closure Status : UNPAID Closure Status Date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX  Inquiry XXXX : XX/XX/XXXX XXXX XXXX A PART OF XXXX On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX A PART OF XXXX On XXXX Of : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Behalf Of : XXXX Inquiry Date : XX/XX/XXXX
Product: Bank account or service

I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.
Product: Credit card or prepaid card

I believe that this company is knowingly cheating and forcing consumers into paying undue interest on purchases that are advertised as 0 % interest financing for periods ranging from 6 to 24 months. I made a purchase in the amount of {$450.00} on XX/XX/2021, for 0 % interest if it is paid off in 6 months ( set to expire on XX/XX/2021 ). I also made two additional purchases under the 6 month 0 % interest agreement for {$100.00}, and {$230.00} I made two large purchases under a 24 month special financing agreement, where I am to pay equal payments for 24 months on each purchase, one for {$1000.00} and the second for {$760.00}. I have made repeated efforts to pay off the small purchases early, before my 6 month grace period ends. However, PayPal Credit continues to apply my early payments to my first 24 month installment loan. There should 20 payments remaining for this purchase, and now there are only 12 remaining, even though I made the purchase this year. The balance on each of the 6 month promotions remains the same, and I am unable to pay them down no matter how much extra money I send them each month. PayPal Credit has promised me on several occasions since XXXX that they will make adjustments to my account, and this has never happened. Now, starting next month, I will owe {$32.00} on my first purchase of {$450.00} - this is interest I should not have to pay, as I have more than kept up my end of the bargain. The following month I will owe yet more interest if this is not resolved. From what I can see, I will have to pay off the remaining balance of {$500.00} on my first 24 month purchase, plus {$130.00}, {$100.00}, and {$230.00} in order to avoid paying interest.
I am certain that this company is taking advantage of consumers who do not know better such as elderly folks, young people, and people who do not monitor their credit card statements. I have an exceptional payment history for all of my accounts and simply intended to pay these small purchases off early to avoid paying interest, as was my agreement with this financial institution. I feel powerless and hope that they will correct this seriously dishonest practice ASAP. Please help. Thank you! 

The following payments were made since XXXX : XX/XX/XXXX, {$150.00} ; XX/XX/XXXX ; {$110.00} ; XX/XX/XXXX {$97.00} ; XX/XX/XXXX, {$160.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX XXXX follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.
Product: Student loan

XXXX XXXX XXXX perpetuated fraud when they lied about the cost of their education and loan plans to me when I was XXXX years old. Now Navient, the loan service company refuses to dismiss the loan even though the loan has been paid multiple times over if fees and interest was accounted for. I would like the CFPB to investigate for profit colleges having children signing loan contracts prior to their XXXX birthday. This is what happened to me, I lacked the capacity to take on the loan agreement and the lies that XXXX XXXX spun made it impossible even had I been of age to sign this terrible loan agreement.
Product: Credit reporting or other personal consumer reports

i have 3 collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit card or prepaid card

The credit card was on auto pay, and Bank of America still processed a payment on the account, causing a credit balance of {$1100.00}. After a phone call, they indicated they would send the balance back to our payment account within 5 business days. This was not done. I referenced a legal requirement found that indicated that a financial institution would have seven days to provide a refund if requested in writing. I contacted BofA to obtain this address and was told they did not have a place to send these inquires. I told them this was contrary to the law and was met with silence.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 ( XXXX XXXX XXXX XXXX XXXX XXXX  and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against XXXX XXXX XXXXXXXX XXXX XXXX  ), as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with EWS without my consent. 
Background and Nature of the XXXX XXXX XXXX XXXX is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my XXXX XXXX XXXXXXXX Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws. 
Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by XXXX XXXX XXXX. This constitutes a direct violation of my privacy rights. 
Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws. 
Legal Violations 1. Violation of the XXXX XXXX ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with XXXX XXXX XXXX failed to provide the legally required notices and opt-out opportunities. 
XXXX. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with XXXX XXXX XXXX without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data. 
Supporting Evidence Enclosed with this letter is a copy of my XXXX XXXX XXXXXXXX Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.
Product: Debt collection

On XX/XX/year>, First National Collection Bureau , Inc. contacted me via text message to try and collect payment regarding a debt I never had. The screenshots are attached
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.