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

Credit card issued by Citi Bank ( last 4 digits are XXXX ) Since XX/XX/XXXX, I've been using Citi Mastercard, and I never had a single late payment, consistently paid the balance in full at the end of every statement. 

All of a sudden on XX/XX/XXXX, the account was closed for no reason. When I contacted the Citi card customer service ( XXXX ), I was told reason could not be given, as I had to wait until I receive the letter in mail. 

I received the letter on XX/XX/XXXX, and called the customer service again. Spoke with XXXX, who could not provide me any reasons. Escalated the call to her supervisor XXXX XXXX Team # XXXX ), and she could not provide me any reasons on why the account was closed ... she thought it could be due to my credit report, and I told her about my excellent credit history ( and I've never had any late payment in the last 15+ years with any other credit card ). 

Unfortunately when Citi closed my credit card, the account has a cash rewards of {$2500.00}. I was told by Citi customer rep, since the account was close, that I would not be able to get the cash rewards that were accumulated in my account. 

I'm requesting CFPB to investigate my issue, and request Citi to issue my cash rewards that were due to me
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed ITEMS below. 

XXXX Account XXXX : XXXX UPDATE and remove the late payment of this account.
Product: Consumer Loan

There was a big scam through XXXX at XXXX XXXX and they were forced to close this XX/XX/2009 XXXX XXXX XXXX were scamming as well told the kids they were clear, then turn around and charge them and there parents $ XXXX {$700.00} each at the end of what they told XXXX-and XXXX yr olds kid " you have been cleared " they kept there last months grant funds which in this case was about {$370.00} times XXXX student then charge them again {$600.00} each and then each parent $ XXXX {$700.00} totaling nearly {$6700.00} they got my name through student registration i never signed there lease .this is a scam through XXXX which was shut down because the lied and there the same way and should be shut down for there misrepresentation to all those kids and there parents
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX bank Acct XXXX XXXX
Product: Credit card

Scammed out of of {$1400.00} when trying to get a new cash app card.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XX/XX/2024 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The affected accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, I will have marked up consumer reports from Transunion proving that my Federal Consumer Rights are being violated. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX XXXX reporting. 15 U.S. Code 1681n - Civil liability. Under 15 USC 6802 - Obligations with respect to disclosures of personal information and 12 CFR 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION, I XXXX XXXX opt out of the XXXX XXXX XXXX XXXX XXXX being reported on my consumer reports. 15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Also, according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX and Associates for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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.
Product: Checking or savings account

Multiple times I have made attempts to dispute a transaction that was posted because I had returned the item on XX/XX/XXXX I made initial contact with Bank of America and was told they would make an investigation. The same day they claim they were unable to pay because they state it falls out of their " timeframe '' I have specifically told them through now 5 phone calls that the merchant XXXX has attempted to disburse a refund for months and have been unable to. I was led on for months on their part with the order arriving back to them on XX/XX/XXXX. Being in constant contact with them over the refund that was of a total of {$2900.00}. Bank of America have asked for documentation stating that I would receive a refund and I faxed all documentation with the refund policy, the tracking number, and the statement from XXXX stating that they have received the refund. Now all of this was sent on XX/XX/XXXX and on XX/XX/XXXX I received the same letter stating unable to pay again. I have spoken to Bank of America multiple times and have heard the same thing stating they will be " researching ''. Yet they arrive to the conclusion immediately as if they were a bot.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 to be updated. 


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 TRANSUNION 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

A card was opened up with PenFed by someone who stole my identity. The letters with credit card info were send to the address of a condo I own in XXXX. My tenant informed me that all this mail from banks and CC institutions were coming to her and sent me a picture of the unopened mail. I asked her to open the mail and send me pictures so I could deal with the information ASAP. When she opened she sent me pictures of credit cards that were opened under my name as well as accounts that were denied because of fraud risk. I contacted all institutions immediately to let them know to close the accounts, because I did not open them. XXXX XXXX closed the account and they did not have any charges, so there was no issue there. PenFed had already had charges happen on the account. I let them know to close it and they said they would start an investigation. I sent them my DL showing that I lived in PA at the time the account was opened. That investigation found me liable because they had a copy of my DL from TN, a check stub, and a utility bill. I asked them to reopen the investigation, provided them the police report number given by the city of XXXX ( XXXX ) as well as the reference number to the identitytheft.gov report ( XXXX now refiled under number XXXX ). I also let them know I had been a victim of the XXXX XXXX XXXX leak. They said they would reopen the investigation. I never got completed information on that case, but called back weeks later trying to figure out where it was. They said they were still working on it and wanted more information. At this point I sent them my social security card, copies of utility bills that had been charged when the account was opened as proof that I did not live in TX, and my current utility bill showing that I moved to MA. They said I would receive a call within XXXX weeks to close up the case. XXXX XXXX from their fraud dept called me on XXXX to discuss. I provided her more details on how I obtained the info from my tenant. She also asked me how I was able to use the penfed chat without logging into an account, and I let her know. She also let me know that the person used a picture of my actual ID. I confirmed the address on the ID was correct and that it was where I lived when I lived in XXXX, but let her know that ID was surrendered when I obtained my TX license when I moved back to TX. ( Moved in XXXX and updated my license in XX/XX/XXXX ). I received a letter today ( XX/XX/XXXX ) saying their investigation found me liable for the account. I will contact them first thing Monday to find out how all the information I provided showing that I did not live in TX at the time the account was opened, as well as information of why I did not have possession of that license anymore ( TX makes you surrender your license when you move to the state ) still found me liable for an account that was opened fraudulently under my name, but I feel that all this trouble also warrants me filing a complaint in the hopes that they will stop reporting a fraudulent account to the credit bureaus.
Product: Debt collection

Repeated calls to me and many of my family members for a debt I do not owe that they say is over 15 years old. It's not on my credit report and I have no record of this debt and it's a complete embarrassment to have been harassed by this company on and off for 8 years! Someone is moving my information and this debt in and out of this company and the harassment has got to stop. They can not provide written verification of this debt. If they could it's beyond the statue of limitations regardless. They have threatened legal action repeatedly to me and my family members.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge about them, and the company did them without my authorization.
Product: Debt collection

The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.
Product: Mortgage

I am XXXX years old and I overpaid my mortgage and they issued me arefund check with my widow 's name on it, and I told the mortgagecompany that my husband was deceased. They asked me toforward a copy of his XXXX certificate and I did, and I stillhave n't received another check yet and they received XXXX certificate on XXXX XXXX, 2014.
Product: Debt collection

XXXX XXXX XXXX has a collection on my credit account. I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter.

XXXX XXXX XXXX.

Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013
Product: Debt collection

On XX/XX/2024 I returned to my apartment and noticed a packet taped to the door of the outside apartment building. It was a court order to me from a credit card debt collector. It was taped on there so everyone and anyone could see my personal information. It has information that should not be shared with anyone. I have no idea who has read this and now has my private information. I do not believe this is a real court document but rather a scare tactic. Now I have to worry about who has my information and the security of my personal information. I will attach the first couple of sheets of the document. If more is need I will send it upon request but again my personal information is on it.
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX