23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank credit card is reporting an accurate information on my credit report only for XXXX and the information that they are reporting is XXXX day past due that does not reflect the credit report payment history and the company refused to provide verification of the XXXX day pass to I have provided multiple letters to this company Requesting The, Information and as of yet I have not received confirmation of a XXXX day past due that is being reported on my credit report, and I am requesting a immediate removal/deletion if this information can not be verified
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Regarding Inaccurate Information on XXXX Card Account Dear CFPB Team, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information being reported on my XXXX card account by Experian. Despite disputing this information and providing all supporting documents to demonstrate that my account has been paid in full, Experian has failed to properly update my credit report. 
My concerns align with the CFPB 's previous allegations against Experian regarding violations of the Fair Credit Reporting Act ( FCRA ). These include : Sham Investigations : Experian has conducted a superficial investigation of my dispute, failing to address the documentation I submitted. They have accepted inaccurate responses from the original furnisher without critical review, leaving me with a credit report that remains incorrect and misleading. 


Reinsertion of Inaccurate Information : Despite correcting certain inaccuracies in the past, Experian has allowed the same incorrect information to reappear under a different furnishers name. This suggests a lack of adequate safeguards against the reinsertion of previously deleted information. 


These practices not only violate the FCRA but also constitute unfair acts or practices under the Consumer Financial Protection Act ( CFPA ). Experian 's actions have caused undue stress, harmed my credit profile, and undermined my ability to maintain an accurate credit record. 
I have enclosed all supporting documents for your review, including evidence that my XXXX card account has been paid in full. I urge the CFPB to take action to : Compel Experian to correct my credit report and ensure the accurate reporting of my account status. 
Implement stricter oversight of Experians dispute-handling practices to prevent harm to other consumers. 
Provide redress for the harm I have suffered due to Experians negligence. 
Thank you for your time and attention to this matter. 
Sincerely
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 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. 
I NEVER gave You, EQUIFAX NOR XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You, EQUIFAX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
Account Name- XXXX XXXX  Account Number- XXXX I was never late on ( Month/Year ) on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.
Product: Debt collection

I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The EXperian 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$800.00}
Product: Credit card or prepaid card

My credit limit was {$2000.00}. I was hovering around the {$2000.00} area because my fiance has been out of work since XXXX, we moved XXXX miles away from home and I am supporting a family of three alone. Since being approved for this card, my income has increased by {$20000.00} a year. I made a payment of {$400.00} ( when the minimum payment was {$100.00} or less ) on XX/XX/19 and then on XX/XX/19 my limit was decreased to {$1800.00} which has hurt my credit score and precludes me from getting a personal loan. Further, in XXXX, I made no purchases ( and haven't in months ) but the regular fee, interest and late fee pushed me over the {$1800.00} limit which I thought was illegal for a credit card company to do under the CARD Act to be maxed over your new limit by fees charged within 45 days of the decrease. 
I paid {$250.00} in XXXX to be under the limit again but am experiencing severe hardship.
Product: Credit card

I asked the company Citi Card to reopen my account because they had closed my account recently due to nonpayment because I was getting behind on my payments. 
They then said that I was on the computer trying to reactivate my account by saying that I had made payment arrangements in XXXX which I know I did not do they are making this up. I know what I did and did not do. I did not sign anything I did not Ask them to reopen it up and XXXX. I did however receive a closure account in the mail but before I could respond, I was very ill and almost had XXXX XXXX. Therefore I was in the hospital and was not able to do anything. Today on XX/XX/XXXX, I had called the company to see if they could reopen my account and they said no that I would have to speak to a customer representative I said, OK I spoke to customer representative again and they had asked for my Social Security number, and they asked for my birthdate and name and they said that I will get a letter within 7 to 10 business days and that they were not able to reopen it I said wait a minute you guys just checked my credit without my authorization I did not approve of this. This was something that they should have said from the very beginning, I find this to be ill practice of their business, and I do not agree to any of the credit checking to reopen my account. They had switched me four different times maybe five at the max and saying that they were managers but the last one said that he wasnt manager I could not understand them. I was trying to understand but I got frustrated with them and hung up.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate items on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report.XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

I had received a letter from Phoenix Financial Services at the end of XXXX over a debt that I was not familiar with from almost 6 years ago ( without any degree of verificaiton ). It said that I had until XX/XX/XXXX to respond or request verification before any action was going to be taken. Phoenix financial services began taking action to impact my credit score well before this date, and has been ignoring numerous requests that I've submitted on their website, as well as to their email system since early XXXX. I keep demanding verification of the debt and they continue to impact my credit score and attempt to collect. Phoenix financial services has not replied to me or tried to contact me in several months, it has been well over a month since I reached out to them and requested verificaiton and it is completely unacceptable. It is completely unfair that a collections agency can hold my credit score hostage for several months while refusing to speak to me and give me info about a debt that they refuse to verify.
Product: Debt collection

In XX/XX/XXXX, Caine Weiner added a collection account for XXXX XXXX for {$610.00} on all 3 of my credit bureaus. I had XXXX XXXX last year and then switched companies. I contacted XXXX to inform them of the cancellation date in XXXX of XXXX. They assured me everything was cancelled and there would be no balance owed due to the insurance being paid in advance for the month. I noticed the collection in XXXX of XXXX. At which point I contacted XXXX and they informed me the agent never properly cancelled my policy. They admitted to fault and said they would send all necessary documentation to the collection agency for the account to be deleted from my bureaus. In XXXX, they were still present on my credit. I called XXXX again and they directed me to Caine Weiner. Caine Weiner directed me back to XXXX. I called XXXX again and a supervisor told me that if Caine Weiner wouldn't deleted it would have to be disputed. I tried to call Caine Weiner one more time, they told me there was no other way to delete besides paying the balance in full or settling the amount. Settling the amount would not delete the account, it would only show the derogatory account with a XXXX  balance. This was not a balance that I owed, therefore I don't believe it is fair to pay a debt I don't owe or have derogatory Mark 's on my credit for an agent 's mistake.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit card

I did an over the phone balance transfer with a manager on XX/XX/XXXX after receiving a letter in the mail with a 0 % interest balance transfer promo code ( XXXX is the promo code ). The manager told me that I was eligible for a 0 % interest rate for 12 months which is better than the 9 months on the letter so I said ok, to proceed. On XX/XX/XXXX I received notice that a statement was available. The statement had an interest charge of {$10.00} so I called BMO and spoke with XXXX. She said she would escalate this problem to be fixed and told me it would be fixed in 2 business days. On XX/XX/XXXX, I called them and spoke with XXXX. She stated the manager told her they are still working on it but they know it's a mistake on their end and that it wasn't something she could fix, it was sent to the back office. On XX/XX/XXXX, I called and spoke to XXXX and requested a call back from a supervisor. I never received any calls from anyone. On XXXX I called and spoke with XXXX  who transferred me to XXXX, a supervisor. XXXX told me it was sent to the back office and would be fixed within 2 weeks, before the next statement cut. She stated that they know the problem is on their end and the manager who did the balance transfer entered the wrong code and that she was aware that he received coaching regarding it. Today, XX/XX/XXXX, I received another statement with yet another interest charge of {$140.00} so I called BMO. I spoke with XXXX, XXXX ( I think, couldn't really understand him when he said his name ). He told me all he could do was ask the help line. His manager told him to report it to the help line again. I really feel like they are just giving me the runaround because nobody ever returns my calls and the problem still hasn't been corrected after a full month and now 2 statements with interest charges on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, Equifax and XXXX reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to Equifax using XXXX Tracking XXXX. Sent to XXXX using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. XXXX  complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with XXXX but have not heard back at this time. XXXX and Equifax removed one of the accounts but XXXX of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I paid my collections for XXXX XXXX  off. The issue is XXXX XXXX  and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my XXXX  report and experian report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for XXXX XXXX  to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing me!
Product: Credit card or prepaid card

For my Macy 's American Express credit card. I got a statement with a balance of {$4.00} in XXXX and I paid that amount before the due date. 
In XXXX, I got another statement with {$2.00} charges as a minimum interest charge. 

Spoke to Macy 's Credit Card customer service on XX/XX/2020 XXXXXXXX XXXX  PST Customer Service Rep Name : XXXX and asked for an explanation on why the {$2.00} minimum interest rate was charged and I was not given any valid explanation other than " a minimum interest is charged if balance is not paid in full '' I asked, " My balance was {$4.00} and I paid the full amount and why is a new minimum interest charged? '' I was not given a reply. XXXX said " I will have to file a complaint to dispute the charges '' I think there is a scam going on. Please investigate and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian illegally initiated a dispute without the written consent of me, the consumer, as well as lack of supporting information that the agency, originally asked for. I have reason to believe the agency, fraudulently obtained and sold this information without revealing the entities they sourced and sold this information to and from. Providing credit reports to unauthorized third parties, is a violation of Title VII of the Civil Rights Act of 1964. Reporting inaccurate information on a consumer 's credit report, which can harm the consumer 's credit standing and limit their ability to obtain credit, housing, or employment is an addition to this set of violations. Furthermore they furnished a credit report with false information without proper reinvestigation or my WRITTEN consent. Under the Fair Credit Reporting Act ( FCRA ), starting a dispute without written consent from a consumer would violate section 611 ( a ) ( 2 ) which states : '' No person shall furnish any information relating to a consumer to any consumer reporting agency if such person knows or consciously avoids knowing that the information is inaccurate. " Additionally, section 611 ( f ) requires that a consumer reporting agency may not provide consumer reports to third parties unless it has reasonable procedures in place to ensure the maximum possible accuracy of the information in the consumer report, including procedures to verify the accuracy of information furnished by third parties. In addition, they are in violation of Section 611 ( a ) ( 1 ), which requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of consumer credit information ; Section 611 ( b ), which requires credit bureaus to provide consumers with the specific reasons for any adverse action taken as a result of information contained in a consumer 's credit report ; and Section 616, which requires credit bureaus to delete information from a consumer 's credit report that is found to be inaccurate. These actions have caused me, denied loan and credit applications, higher interest rates and unfavorable loan terms, decreased credit score, increased difficulty in repairing credit, emotional distress, and time and money spent correcting errors.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I signed a lease in XXXX of XXXX with XXXX and the company XXXX. When I moved in we had communicated that we were looking for a house and was only going to need a 13 month lease. We paid rent every month on time. We had referred several people to the property and were told we would be receiving a {$1000.00} per signed lease after 3 months of them living there. We signed XXXX people. We filled out a XXXX. We have proof. We were asked in XXXX if we had plan to renew and we wrote on a paper and turned in and communicated we would not be renewing. The property got bought by XXXX partners. In XXXX, we were closing on a home. We went down to ask if we could find someone to take over our lease a little sooner and not have to pay the remainder month. They said they had no notice of us leaving with the new company when lease was over and that themselves needed it in writing. I wrote a letter on XX/XX/XXXX to state we would be leaving when lease was up and not renewing. We paid in full throughout lease and returned keys on XX/XX/XXXX. Our lease was up on the XX/XX/XXXX. We paid through the lease. They are now charging us XXXX. We never received the checks for the referral fees we were promised which was XXXX. We should not owe them XXXX. I thoroughly dispute this. I am also asking what legal action we can take regarding this company.
Product: Money transfer, virtual currency, or money service

this complain is for Binance.us exchange. I have made two SOL ( solana ) crypto transfer transactions from other wallet into my binance.us wallet account on the same day of XX/XX/2021. First transaction with the amount of XXXX SOL= {$250.00} ( with the price of {$65.00} per coin ) at that time, transfer from XXXX  wallet to binance.us wallet ( The transaction showed success ). Second transaction with the amount of XXXX SOL = {$1700.00} ( {$65.00} per coin ) at that time, transfer from mathwallet account to binance.us wallet ( also showed success on the transaction ). But then no crypto showing up on my binance.us account more than 3 days after the day i made the transfer so I submit a request through binance.us support service and got an email saying they forward my problem to their technical expert team and get them resolve asap! Now is more than a week since they sent me that email and no reply till now with any update on the problem. I have those two transaction submitted below. Please help me complain this to binance.us exchange and retrieved my missing crypto. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014