23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, Florida XXXX Date : XX/XX/year> In accordance with the fair crediting report act. The list of accounts has VIOLATED my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you investigate the completeness and accuracy of the list of accounts below. I am writing to dispute certain information on my credit report. 

I believe there is an error in the information provided, and I am requesting that it be investigated and corrected. The inaccurate information is damaging my credit profile and does not reflect my credit history accurately. as well as illegally charged off and sold to another collection company I request that investigate this matter and correct the disputed items as soon as possible. Please provide me with a copy of my corrected credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. Please inform me in writing of the results of your investigation. 


Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. Original Creditor was ( XXXX ) Account name XXXX XXXX XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX. XXXX, XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$800.00}, {$2800.00}, {$390.00}, {$1800.00}, {$9000.00}, {$1300.00}, {$2500.00}, {$270.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Product: Credit card or prepaid card

Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly statement.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 Dear Vice President XXXX Re : Failed XXXX Money Transfer I write with reference to the above subject matter and wish to inform you ( after several attempts in my representation to your office ) that I am yet to receive a refund of the sum of ( {$860.00} ) XXXX XXXX and XXXX dollars and XXXX XXXX  that was to have been transferred by your XXXX department XXXX XXXX XXXX XXXX XX/XX/2022, on my behalf. 
On XX/XX/2022, I submitted a claim through your good offices for a refund of the said amount that was said to have been transferred to the wrong recipient through a wrong email address apparently found on your record for XXXX XXXX. And this has been the claim of your bank that the money was sent through an email, therefore, it wasnt the organizations fault. Notwithstanding, the bank promised to institute an investigation. 
Now, to start with, this was not the first time I had transferred money via XXXX through your bank. It is on record, that before the bank became known as TRUIST, all the XXXX transfers that were done through the then SUNTRUST Bank, including those to XXXX XXXX, were done through the recipients telephone numbers and never through their email addresses. 
Secondly, suffice it to say, that if the money was sent through the wrong email address, and it did not return ( so-called XXXX email ), then it means some real person living in the United States and precisely in XXXX  may have received the said amount of {$860.00}. So why has the bank ( in a manner of DISCRIMINATING AGAINST me, being a defenseless consumer ) decided to carelessly close the so-called investigation without trancing who had received the said amount and then refund my money? 
And in my last telephone conversation with one of your staff, yesterday, XX/XX/2022, representing your fraud department, she was asking me whether I issued a check for the same amount to the same recipient- XXXX XXXX who was supposed to have received the XXXX money transfer payment since XX/XX/2022, implying that as a result of that, your bank had considered the investigation closed without refunding my money to my account? What callousness? 
However, I got her to understand that I had been under pressure from XXXX XXXX for his money. Therefore, I had to issue a check to honor his payment. And that I even wrote on the face of the check in lieu of the missing XXXX payment so that the bank will know that the payment made by XXXX was yet to be refunded to me. 
In conclusion, I have taken my time to write to you as the representative of the Bank at my local branch and to copy the Consumer Financial Protection Bureau ( CFPB ) for urgent redress of this matter. I look forward to hearing from you as soon as possible. 
Thank you. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The items removed from my Equifax credit report are not showing on XXXX XXXX and other credit reporting agencies. 

Deleted but still reporting on XXXX XXXX inacurrately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In XXXX someone made multiple fraudulent purchases in my name including XXXX at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX son at risk and unable to seek therapies, treatments, and educational opportunities solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was submitted for collections, I called collections company to have this issue resolved, while being XXXX XXXX XXXX XXXX XXXX. I paid the balance in full & the company said they can delete item from my credit fully, once they receive payment, so I proceeded & paid everything, no problem, They took the money & emailed me a receipt. Then I asked what about the deletion letter to all bureaus as promised, they are refusing to answer my question or calls & Now they are not honoring what was promised. I have never been late with this company ever. Just unfortunately was on a XXXX, where I couldnt receive my mail.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my XXXX. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is a auto loan in my name dated back to XX/XX/XXXX Credit Acceptance Corp XXXX XXXX XXXX, XXXX mi, 48086-account number on credit report is # XXXX. I have requested the original documents over and over. With no results only harming calls, they got my number from when I initially called to inquire why they were on my report. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with 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  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: Checking or savings account

I am writing to file a formal complaint against Citibank regarding the urgent mishandling of my account, lack of communication, and the unjustified pending closure of my account. 

On XX/XX/year>, I attempted to purchase a necklace at the XXXX XXXX store in New York using my Citibank card. Despite having sufficient funds in my checking account, the transaction failed. Immediately afterward, my account was placed under review. I immediately contacted Citibank 's customer service to confirm that I started the transaction and was assured that the issue would be resolved. 

Over the past month, I have made numerous attempts to contact Citibank, reaching out at least 20 times to get clarity on the status of my account. Every time I reached out, I was told that someone would contact me within 24 to 48 hours, but to this day, I am still waiting for a meaningful response. My account has remained under review during this period, causing significant inconvenience. 

What escalates the situation further is that I recently received an email from Citibank stating that my account will be closed. Citibanks reasoning behind the closure appears to be linked to the initial transaction attempt at XXXX XXXX, which I confirmed with the bank was authorized by me. Despite repeated confirmations, the Fraud Department 's decision to categorize this as suspicious activity is unfounded and outrageous. To make matters worse, Citibank had previously assured me that the issue was resolved, only to now use it as grounds for account closure. 

I HAVE REPEATEDLY OFFERED TO PROVIDE SUPPORTING DOCUMENTS TO VALIDATE THE LEGITIMACY OF ALL TRANSACTIONS AND FUNDS IN MY ACCOUNT WITHIN THE FIRST MONTH OF OPENING IT. YET, CITIBANK HAS MADE NO EFFORT TO REACH ME FOR THESE DOCUMENTS. I am appalled by the bank 's decision to close my account, which holds over {$15000.00} of my funds, rendering me unable to access my money and causing severe financial hardship. 

Citibank 's inaction, failure to provide any substantive resolution, and now the closure of my account due to an issue I was told had been resolved leave me with no choice but to escalate this matter through CFPB. I want immediate assistance in resolving this matter and ensuring Citibank restores access to my funds.
Product: Debt collection

CMRE Finance   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX  Dat e  XX/XX/XXXX  Dear C  MRE Finance  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in (   XX/XX/XXXX  )    on my   XXXX   report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA  authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Sincerely,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Someone or ones used my personal information to obtain an auto loan in my name without my consent. I've asked the company to send me copies of such application used to obtain this auto loan. I had sent them several letters which is attached along with a copy of a police report that was filed during the time of the incident as well as an Affidavit of theft report. I've called them on several occasions and Can not reach anyone by phone.
Product: Credit reporting or other personal consumer reports

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





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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) ( a ) 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX 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

I am demanding that this repository correct my credit report and actually conduct an investigation into the errors Ive pointed out and remove this unverifiable item. Furthermore, I sent them another dispute letter ( see attached ) lastXX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Product: Debt collection

Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.