23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. 
- In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. 
- In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. 
* They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. 
* They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. 
* I asked them if they could use my registered email ID to verify. They said they could not use email. 
* They said that they would mail me a code to call them again to unlock my card. 
- In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. 
- In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. 
*They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. 
*They told me that they would mail another letter and asked me to wait for another 5-7 business days. 
*I asked them to expedite the mail ; They said that regular mail was the only option. 

I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.
Product: Student loan

Total amount is : XXXX when I graduate early from XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have received 58 calls in less than a week for a bill thats not even in collections or over 60 days late. I feel its insane to harass me in such a way. I told them I get paid this Friday and the calls continue from several different # s and unknown callers but its all comenity bank.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit reports dating back to XXXX Several accounts on my report were disputed more than one time. As required by the CFPB and FCRA, upon conclusion of a dispute, each credit bureau must provide detailed steps taken to investigate disputes and advise if a reinvestigation took place. Neither of these steps were provided to me, nor was my report containing inaccurate information fixed. 

XXXX, XXXX, and Transunion did not comply with Consumer Financial Protection Bureau ( CFPB ) regulations by : Failing to investigate disputes properly Failing to remove inaccurate information from credit reports Failing to notify consumers of reinvestigation results Reinserting previously deleted information Failing to convey disputes to furnishers fully and accurately Relying too much on furnishers to resolve disputes
Product: Debt collection

Portfolio set collection company keeps calling and sending me letters. The XXXX XXXX debt is over XXXX XXXX XXXX. This has been a discharge, but they keep attempting to collect. 
They have called me non stop, at least 6 calls a day. I feel harassed. I have asked them to stop calling me, they send letters, they continue to call. I have blocked them and they call on other numbers.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX, XXXX, AND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!
Product: Checking or savings account

Earlier had made a complaint was thought by XXXX XXXX XXXX XXXX call later was against XXXX although do not have complaints for XXXX XXXX XXXX my complaint is for key bank although not against key bank systems or XXXX XXXX my complaint is against a scam by man named XXXX XXXX XXXX said he would give a government loan although he said as well pass code is XXXX later key bank closes my account XXXX asked for 45 day notary republic the cost of paying alln white money for a loan I never acquired afterwards the cost was double original amount for scam I talked to XXXX XXXX of XXXX XXXX with info to had to pay gone to collections amount with key bank gave same info to XXXX XXXX if special investigations to never was compensation same with XXXX XXXX civil rights for list stolen items in wa XXXX California state
Product: Debt collection

I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : 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 an 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 other adverse items 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

This is my fourth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR XXXX/TRANSUNION TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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

My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}.

My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. 
My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. 
Is there someone I can call to help me with this, what documents to supply etc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC through Resurgent Capital Services is reporting to the credit bureaus and threatening to sue me. Balance of {$330.00} according to them that I owe LVNV. I reached out to the creditor via certified mail end of XX/XX/2022 with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication to them I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter through Resurgent Capital Services threatening to sue and continue to report to the bureaus. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and

corrected from erroneous reporting in my file are listed on my credit report.XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Personal statement I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out an opportunity to cure letter concerning an negative account furnished by XXXX XXXX XXXX requesting all information from XXXX, XXXX, and Transunion pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that they have adopted is designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days. I also stated that Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX ) have fraudulently verified an account without a reasonable procedure as required by law and Delete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY ACCOUNT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 15 USC 1681b
Product: Debt collection

XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX  AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 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 an account without my written instructions Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX Accounts Previously Disputed via US Mail XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. XXXX XXXX, XXXX XXXX, Transunion XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added 2 additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Product: Credit card or prepaid card

Item purchased on XXXX. Seller used a label outside of XXXX to purchase a label in the same zip code and put it as delivered. XXXX was taking a long time to process refund do i filed one on paypal credit card Synchrony bank. 3 times filed and no results noone called me just closing the case. Label was purcased for a light item XXXX XXXX delivered to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX rep called synchrony and gave all information on 3 way call. I ordered XXXX XXXX  not XXXX. XXXX says synchrony should mske them to refund the money however XXXX is not admitting synchrony that fraud existed and item was not delivered