23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Last year, Citibank upgraded my advantage Visa card to " thank you '' card which I have been using but I prefer XXXX XXXX miles so I responded to their email inviting me to apply for a visa credit card that has miles as the reward. Over the past year, on three separate occasions I applied and was informed that they were not going to honor the new account promotion which was offered to me in the email. I have an XXXX credit rating for over 30 years and have never missed a payment. It seems that I am being blackballed from all new account promotions from Visa, Mastercard and American Express. This can not be legal
Product: Credit card

The original complaint was against Synchrony Bank for creating a charge account and paying themselves out of my checking account. The cleared the charges from PayPal Credit and put some of them on another one of their client charge card, XXXX XXXX XXXX. I havent used that account in15 years. They closed the PayPal account for non payment, they have not refunded the money they paid themselves, there are new charges on another of their accounts. 
Over 7000 people have filed claims against this bank. When are you going to do something.
Product: Consumer Loan

Please be advised that I am pending a XXXX Veteran XXXX claim and am currently at XXXX. I have had many circumstances beyond my control and am having extreme difficulty with the interest and monthly payment for this loan which currently has an APR over 218 %. Please consider lowering my interest and monthly payment so that I can pay more towards principal to pay this loan. NCP Finance Ohio is the Lender and I signed the contract with XXXX.
Product: Credit card or prepaid card

I was scammed by a merchant named XXXX and I have reached out to the merchant several times to resolve the issue directly but they have ignored all my inquiries. I called them multiple times and the operator said they'd get back to me within 24 hours but they never fulfilled the promise. The merchant is conducting the business in a deceptive way so I decided to file a dispute. However, Capital One is not helping me at all in this case. They instead took back my credit and sided with a scammer. I am very disappointed by Capital One 's action in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with self inc I was never able to access the dashboard to make payments I sent several emails to correct the issue with no response I also sat on hold with this company for hrs and never got help
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XX/XX/year>2024 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Dear JEFFERSON CAPITAL SYSTEMS, I am writing to request validation of the debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with all relevant documentation to verify the debt, including, but not limited to, the original creditors name, the amount of the debt, and any records showing my obligation to pay. 

Additionally, I would like to bring your attention to 15 U.S.C. 1692c, which regulates communication practices by XXXX  XXXX : 15 U.S.C. 1692c restricts XXXX  XXXX from contacting consumers at inconvenient times or places, and prohibits communication with third parties without the consumer 's consent. 
Please provide the following within the legally required time frame : Verification of the debt, including the name and address of the original creditor. 
Proof that you are authorized to collect on this debt. 
Assurance that your communication practices are in compliance with 15 U.S.C. 1692c. 
Until I receive this information, I request that you cease any collection activities as required by the FDCPA. 

Please be advised that I am fully aware of my rights under federal law and will not hesitate to take further legal action if my rights are violated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( XXXX XXXX XXXX ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( XXXX XXXX XXXX ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to XXXX. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within XXXX days. There is no good faith effort by XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report.
Product: Credit reporting

After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My {$14000.00} credit card account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. Letter stated that they relied on information obtained from XXXX XXXX XXXX XXXX ( later I would be informed that it was due to inactivity, once I called the company - verbally! ). Upon contacting Equifax I was informed that the information that they have in relation to my credit report profile, did not match the reasons listed on the XXXX XXXX XXXX letter, particularly references to insufficient length of credit history, number of accounts with delinquency. Also informed by Equifax Representative named XXXX XXXX ID XXXX, that there was another individual with the middle name Summers ( my maiden name ), with my same first and last name, XXXX. XXXX explained that this may be the cause of any credit reporting errors that may be taking place. XXXX then informed me that he will contact XXXX XXXX XXXX to notify them of this and to say that account should not have been closed based on stated reasons in letter ( or something to that effect ). I was provided with confirmation number XXXX. Ultimately I was informed by the Equifax representative that XXXX XXXX XXXX also included this entry in my credit file : Affected by Natural or Declared a Disaster. 

30 days later I checked the status for XXXX by calling Equifax, at ( XXXX ) XXXX. The automated service informed me that the dispute has been completed, and that a letter was mailed out to me on XX/XX/XXXX. I was also instructed to check the status online. Upon checking the status on line, the dispute was still in Pending status. I placed another call to Equifax, only to be completely confused by being either told that the dispute was still pending, to the dispute being completed, with the later claiming that XXXX XXXXXXXX XXXX response was 'Yes, the account does belong to me ' ( or something to that effect ). Obviously this had nothing to do with the inquiry! Therefore I had to file another dispute with Equifax, confirmation no. XXXX to basically start the process all over again. This time I spoke to a representative named XXXX, who ensured me that the correct dispute notes would be entered this time. 

I then called later in the day and spoke to a supervisor, named XXXX in the XXXX XXXX division to inform he that I was not satisfied with how the first dispute request was handled ( or not handled ), and that I did not appreciate having to wait for another 30 days. Further, with regards to my dispute, XXXX informed me that they were only relying on the information that XXXX XXXX XXXX sent to them as it relates to my credit profile, and although they have sent out another dispute on my behalf that I may want to take this up with XXXX XXXX XXXX again. Well I am tired of going back and forth on this matter between the 2 entities involved, and I don't think I should have to! At this point I also want I may need to explore if there were any FCRA violations as it relates to this entire issue!
Product: Debt collection

ATG Credit mailed me a notification of debt collection dated XX/XX/XXXX. Due to mail running behind, I didnt receive letter until a week later. I faithfully check the mail but didnt get this letter until XX/XX/XXXX. On the letter, I was given 30 days to request the validity of this letter. On XX/XX/XXXX, I mailed a debt validation letter to the company. A few days later, theres no copy of the debt validated. However, theres been a change to my credit report. The debt has been reported to the credit bureaus. 30 days from XX/XX/XXXX is not XX/XX/XXXX, which is when this report was added. This is unfair because how can you report the debt before the 30 days are up? Also, how come I never received a copy of the debt validation before appearing on my credit report? This company isnt honoring their own 30 days policy to let clients request debt validation by reporting to the bureaus before the 30 days are up.
Product: Credit reporting or other personal consumer reports

There are several accounts listed from XXXX XXXX that according to the IRS publication Topic # 431 should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These accounts are being updated on a monthly basis even though they became income in the month of XXXX XXXX The accounts in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im filing a dispute with XXXX XXXX  which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to XXXX financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to XXXX financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX and my grace period of 60 days has not expired. I made a payment to XXXX financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. XXXX financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am formally disputing the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. 


XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, Genesis reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax XXXX Trans Union and Experian XXXX
Product: Debt collection

CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.
Product: Checking or savings account

Hello, Almost 8 months ago I've changed my personal PayPal account to business account to receive online payments on my website. 

At the time I had no other way of receiving money for selling my online products. 
Overall I've used PayPal for almost 4 months and during this time PayPal limited my account more than 7 times which XXXX of them were total limitation which means not being able to receive money on my account as well. 

So through this whole time I've gave them multiple documents, receipts, screenshots, customer 's satisfaction letters, .. etc, and every time after reviewing my documents and data they restored my account and lift the limits. 

So finally on XX/XX/2021, while my account was fully active and functional all of a sudden without any explanation I received an email from PayPal saying, we decided to permanently limit your account and if any funds in your account will be held for 180 days. 

At the time I had ~ {$2500.00} on my account. Still i can not use my account to spend or receive money and nothing works and i can not directly talk to PayPal anymore using the message center under my account.
Product: Debt collection

I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX ks XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX, XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately!
Product: Debt collection

I submitted a complaint earlier this month and everything the company has responded with is completely false. This company has violated MANY federal regulations in regards to proper debt collection. I have sent a total of 5 requests for debt validation, all of which have been ignored. They are unable to produce the validation required so that I can ensure this is my debt. The amount they are reporting is in fact invalid and was confirmed invalid when I reached out to XXXX XXXX  They have listed on my XXXX credit report  and XXXX that this account was with a lawyer when in fact it is not. They have had people pretending to be lawyers call my home and family members with threats to sue, people have called and left threatening voicemails claiming they will come to my job and serve me with court orders, they have called my family members and told them they wanted to know my whereabouts so that they could have me served with court papers in reference to this debt. I have NEVER given this company permission to contact anyone in reference to this debt. My mother in law was called and given my whole social by someone from their office which is a breech of privacy and illegal. Every conversation I have had with this company has not been in guidelines with federal regulations of debt collections. A rep from their office called me while I was in the hospital giving birth to my stillborn daughter and threatened to have served with papers. Not one time did any of these reps mention that they were attempting to collect on a time barred debt which they are legally bound to do in trying to collect on a time barred debt. Further more I have saved voicemails and recordings of the company they have sold the debt off to who tried to threaten to sue me. Since they have sold this debt off to another junk debt buyer like them they are illegally reporting on my credit report. They no longer own the debt and have no legal right to continue to report anything on my credit report. The call I made to their office where I was told they had probably mailed the proof to the wrong address and refused to send another proof of debt out was XXXX of XXXX. Also their account that the debt is not due to come off of my credit report until XX/XX/XXXX is incorrect. Base off of my credit report the account was listed as deliquent in XXXX of XXXX ( which is false, after talks with XXXX XXXX  the actual delinquency date was XX/XX/XXXX ) so that makes the account due to age out XXXX. of XXXX Credit reporting agencies go by last date of delinquency that was reported by the original owner not when the collection agency received the debt. They call from spoofed numbers and leave threatening voicemails. All of which is against federal regulations. While I was able to confirm there was a debt with XXXX attached to my name, they could not verify if I was the one who initated the debt. They have not been able to produce a contract with my signature and a detailed bill showing proof of the amount that was sent to collections.
Product: Debt collection

XX/XX/year> requested and talking to midland credit management, I am not liable for this debt with Midland Credit Management, I do not have a contract with Midland Credit Management collection agency stating owe them money. I was not provided the original contract as i requested.
Product: Checking or savings account

The bank sent a text and stated my account was going to be closed out. I called them and they would not provide me with any details. I feel that I am be unfairly treated because I dont think that the bank should be closing my account in the first place. They have never indicated that there was something wrong with my account. My direct deposit goes into this account and I would like to keep my account.
Product: Credit reporting

I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. These items need to be removed and DELETED from my TRANSUNION credit report. 

US Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

US Bankruptcy Court NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly. 

These items are INACCURATE and need to be removed Immediately THANK YOU A XXXX OFF CONSUMER XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$260.00} from Creditor : 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 an account without my written instructions.