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

While my fianc was helping me get a plan in place to pay off debt, we noticed that my account balance hasn't lowered in over a year. 

This was due to a recurring fee on my Citibank credit card called " Payment Safeguard '' which was charging me about {$94.00} a month going back two years ( which is as far back as my online statements go ). 

After doing a bit of research we saw that Citibank had to refund {$700.00} XXXX to credit card customers for this exact unfair and deceptive practice! 

We called to cancel ( which we did ) but were told we would not be refunded because she said I signed up for the safeguard in 2012, which is simply not true, in fact, that's exactly when they were sneaking these fees onto consumers cards.
Product: Mortgage

Citibank has been reporting the regularly reducing balance on my Home Equity Line of Credit that entered the repayment phase over two years ago, as a reduction in my credit limit to the credit reporting agencies. This is having a negative effect on my credit every month despite the fact that I make my monthly payments on-time. Every time that my husband I pay our monthly HELOC bill ( no longer drawable because it is in repayment ) Citibank reports this as a reduction in my credit limit, thusly negatively impacting my FICO score rather than positively affecting it through regularly timely payments. I have made many written attempts and countless phone calls to remedy this with Citibank as well as the credit reporting bureaus XXXX, XXXX, and XXXX. These including letters written by XXXX different lawyers who have indicated that they are in violation of the fair credit reporting act. I have proof in the monthly credit alerts I receive from XXXX that this is happening and has been happening for over two years. In addition I have copies of my credit reports that show the errors. Beyond that I have copies of my monthly statements which indicate completely different information than what Citibank is reporting to the credit bureaus. Citibank even indicted in a letter that there was an error to be corrected, which was to occur within 30 days, which they never corrected. They only consistently ignore repeated attempts by myself and my lawyer to correct the situation and continue on misreporting the information anyway. I am hoping that the CFPB may help me to achieve resolution of this matter that has gone on far to long to the great detriment of my credit rating and therefore my credit options as a consumer. In the process of discovery of what is going on, we determined by signing up for credit monitoring for my husband as well that they are doing the same thing to my husband, who is a joint signer of the HELOC with me. In studying the CFPB database it appears that another customer has encountered the same type of problem. That problem as reported has the case # XXXX. I hope that you may be able to help me get resolution for this incredibly vexing problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit card or prepaid card

I've been working for XXXX for a little while now, and recently signed up for and received a XXXX XXXX debit card through PayfareXXXX bank. During the time between signing up and having the card delivered, you are allowed to use a virtual card to make payments. I had used that virtual card information to make a transfer in XXXX before I had hands on the physical card. That information remained in XXXX, and I mistakenly used it to try to transfer money to a friend ( {$10.00} on XXXX ). XXXX did not give me any indication as to why the card was not working, but I received an e-mail from XXXX XXXX shortly thereafter explaining that my account had been suspended for XXXX hours. That e-mail came in at just about XXXX on the same day ( XXXX ). 

I did not use the card after that, and I was unable to update the information in XXXX because it was suspended. I initially reached out to XXXX XXXX support and was told that there was nothing I could do about it. They did not seem to understand my situation or know why my card was suspended until I told them my suspicions and they decided to " escalate '' my case. This apparently takes 1-2 business days because XXXX XXXX support ( a separate support team for the card specifically ) is rarely available. I know because I called them within the hours listed and was told they can't be bothered by the same, regular, XXXX XXXX support team. I also explored the numerous testimonials of other XXXX on the internet experiencing the same problem. It's not like the company can pretend they are unaware of this issue. 

My card was not reactivated after the 24 hours, and I had to wait until this morning to receive a call from XXXX XXXX  informing me that they had reactivated my card ( should have taken 2 seconds in the first place, and clearly did here ) .I became frustrated with the wanton lack of regard for the issues I was discussing, including the initial suspension, the lack of knowledge on my case, being shunted off multiple times to people who could not help, and finally being told that I should just be happy the card was reactivated now. This is my only source of income and I am sheltered-homeless right now. I don't have the luxury of waiting around for days to access the money that I EARNED since I use it daily for gas, food, and other expenses. I don't appreciate the fact that the representative for XXXX XXXX would not hear me out, would not answer my questions, would not let me speak to a supervisor ( because they " would say the same thing '' ), and then hung up on me intentionally. 

This has impacted me, and maybe not to an extreme, but it is not okay. I expect to hear back from someone who is competent and actually involved in the company they claim to work for. I am a damn good XXXX and I know I'm not the only one getting jerked around like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian regarding an old XXXX acct that reported late back in XX/XX/XXXX.. In XX/XX/XXXX and told them that a XXXX supervisor stated that this acct would be deleted after 3 years from date of late as agreed, this acct has already been removed from both equifax and transunion however Experian still has this acct on my credit report.please delete XXXX  acct as agreed since its been well past 30 days..
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I attended college from XXXX and graduate school from XXXX. During that time I had XXXXXXXX XXXX XXXXXXXX loans. Im consolidated them with Great Lakes sometime between XXXX. They were bought out by Nelnet. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during President Bidens term. In XX/XX/2022 I applied and was approved after the required consolidation into an IDR plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments over the required 120 PSLF. And I made some payments during the pandemic. XXXX told me I would get a reimbursement check from the federal government but I havent. Nelnet says they have no responsibility. FSA says Im not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the PSLF waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for PSLF even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! 
So Im writing to you to request assistance in obtaining my reimbursement which is approximately 4-5 years worth of payments. 
Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.
Product: Debt collection

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

I discovered over {$600.00} of XXXX " XXXX '' charges billed to my Total Rewards XXXX account statement dated XX/XX/XXXX thru XX/XX/XXXX I did not make or authorize anyone else to do so either at any time. After thoroughly reviewing the last 12 months of past statements in detail I came across another charge to my account that I did not make. The Chargers for a balance transfer dated XX/XX/XXXX {$400.00} I never made a balance transfer from or to this account since it's been opened.
Product: Prepaid card

I received an American Express gift card from the website XXXX for {$100.00} The gift card was virtual and had a card number, expiry date and cvv. The card is unable to be used online due to the fact that you cant add a zip code or an address to the card and because there is no physical card no instore merchants will accept it due to the potential for fraud. I have called American Express on multiple occasions to try and get information on how to use the card but they were unable to add an address or mail me a physical card. All they told me is the card is active
Product: Debt collection

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. 


These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. XXXX XXXX XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Pursuant to FCRA 15USC 1681a ( 2 ) a consumer report does not contain or include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

The law states that it is illegal to report Transaction history. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. In your agreement with consumers you agreed to follow the law.

I demand that the following transaction history be removed immediately : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX LIST OF INACCURACIES FOUND ON XXXX CREDIT REPORT : payment history days late history
Product: Debt collection

I was not able to make my bi-weekly payment of {$180.00} this week. I left multiple messages for the company explaining this and that I would have the payment of {$180.00} on XX/XX/2020. I recieved a text messgae at XXXXXXXX from XXXX threatening me to not make him " use his resources ''. He stated in a text later in the day that as a Officer of the Court what about my Ethics. Made multiple referneces to my job making me feel as if it were being threatened. He make continuous references to me buying another vehicle telling me to pay my car payment like I pay my other car payment. I am no longer comfortable having any contact with this man. I informed him that further commuication would be with his boss and he sends me his contact followed by another text in all caps stating that they are in the office waiting for my call. I have never dealt with any type of debt collection practice like this in my life. This is not OK!! XXXX has contacted me from his cell ( XXXX ) XXXX and his office ( XXXX ) XXXX. His boss is XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Block Inc due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platfor., leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

For the account of XXXX XXXX : I have sent many letters starting XXXX of XXXX through XXXX of XXXX explaining that this account has never been late and requesting that it be updated to show there was never a late payment. After never hearing back from Experian and seeing that the account has never been updated to show that it's never been paid late - I requested the method of verification. I still never heard back. 

XX/XX/XXXX - Sent a final letter advising that if this was not corrected or if they couldn't provide me with their verification process, including WHO verified this .... I would be filing a formal complaint with CFPB. I also showed proof that the data furnisher is reporting different information between the different bureaus- so there is no way that the information can be 100 % accurate. 

I still have received no communication, other than logging into my Experian account and seeing that the " account has been verified ''. This is not acceptable.
Product: Debt collection

I noticed a collection that does not belong to me since I have never done any business with the company involved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Credit card lost in 2017. Walmart replaced with a new credit card but this old card still shows up on my credit report. I would like it to be removed.

All other collection account was closed on behalf of the company. I had no late payment and kept cards up to date.
Product: Credit reporting or other personal consumer reports

Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX