23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to Razor Capital. It  was Razor Capital who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Product: Debt collection

This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the Jefferson Capital company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow XXXX XXXX now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.
Product: Debt collection

I sent a debt collection verification letter to XXXX XXXX  on XX/XX/year>, as per my rights under the Fair Debt Collection Practices Act. In that letter, I requested verification of the debt, including proof of ownership and a copy of the identification used to incur this debt. As of today, I have not received any documentation or sufficient verification of the debt they claim I owe. Under the Fair Debt Collection Practices Act, I am entitled to request and receive verification of any debt being collected against me. To date, they have failed to provide this verification. Therefore, I request that they remove all files reported concerning the debt. Below is what I requested : 1. A detailed breakdown of the debt, including dates and amounts. 2. Proof that I own the debt or legal authority to collect on it. 3. A copy of the identification that was used to create this debt. I ask that they remove this debt from my records and cease any further collection attempts against me. Thank you for your attention to this matter. 


XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX  ; Account number : 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.
Product: Credit reporting or other personal consumer reports

Have requested I am exercising my right under the FCRA, section 609, and are requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
I would Like all information about : Credit report shows tradeline initial delinquency XX/XX/XXXX. 
Payoff history- why there were no payments recorded during these times, Why did they report them as current XX/XX/XXXX XXXX then defaulted 60 days XX/XX/XXXX XX/XX/XXXX and then charged off?
Product: Student loan

I had {$11000.00} loan on XX/XX/2006 to attend XXXX XXXX XXXX. I've made payments totaling over {$21000.00} XXXX dollars. They allege I still owe {$10000.00}. 
This is ridiculous and a blatant robbery. 
I need assistance with this company that is probably doing the same to thousands of other people. 
I am a XXXX XXXX XXXX XXXX caring for my son and I this is a burden on my finances and it is compromising my stability.
Product: Payday loan, title loan, or personal loan

I paid my advance back last week on XX/XX/2022, when I signed into the app I learned my advances were gone and I had a {$380.00} balance. I immediately reached out to Moneylion, was told my information was hacked, and felt like I was heard, and would be helped. That was all lip service. I learned someone was able to sign into my account advance money to my XXXX card ( which I hardly use ) then transfer to themselves. it shows exactly who stole the money, and the customer service representative seen his account locked it and promised it would be resolved quickly. I was contacted by a representative in the advocacy team who seemed to care at first. I get a notification everyday that she has heard nothing. I advised I am in XXXX, Fl enduring the hurricane and money is nonexistent. She wished my a wonderful weekend. Right, I am rebuilding from all the storm damage, dealing with the stress of that on top of zero information on the status or turn around time. 

This company now shows I owe {$450.00} that I never advanced or got use of, the fraudster did. And in reviewing the activity further learned he took another {$50.00} each ( {$100.00} total ) from my account on XX/XX/2022 and XX/XX/2022. 

I want this resolved asap and provisional credit given.
Product: Debt collection

I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Debt collection

I know CFPB is getting tired of me but until this stops I have no choice. 

I have submitted two complaints to CFPB concerning a medical bill that is not mines that had been reported by XXXX Case Number XXXX & XXXX. It was proven that they had been lying about this file and kept reporting this even though the file had been proven to not be mines and lying to CFPB about them deleting this file. Notice after I proved that they were lying they never responded back. The reason they never responded back was because they were to busy finding another collection agency to report the false file. XXXX sold the file to Credit Management Control and they have reported this in both XXXX and XXXX reports. This is really getting out of hand and I am about ready to take legal action against these people. This medical bill is not mines and it had been proven with XXXX. Why is this file jumping from XXXX collection agency to the next after being proven false?
Product: Money transfer, virtual currency, or money service

I want all money reported to returned and refunded
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate information contained in my credit report, as provided by your agency. This action is being taken pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Upon reviewing my credit report from your agency, I identified the following discrepancies : 1. LAST DAY ACTIVITY IS INNACURATE - ** Creditor : XXXX XXXX XXXX XXXX Number : XXXX The last day of activity is innacurate on my credit report. 
the creditor reported XXXX different *LAST ACTIVITY DATE* on my credit which is a violation of FAIR CREDIT REPORT ACT The above inaccuracies have adversely impacted my credit score and caused me undue hardship. I request that your agency conducts a thorough investigation of these disputed items and takes appropriate action to correct or remove the inaccurate information from my credit report. 

For your reference and investigation, I have enclosed copies of relevant documentation supporting my claim, which include : a copy of the credit report I trust that your agency will handle this matter with the urgency and diligence required by the Fair Credit Reporting Act. Please notify me promptly of the outcome of your investigation and provide me with a revised copy of my credit report. 

I appreciate your cooperation and attention to this important matter. If you require any additional information or have any questions, please feel free to contact me at the phone number or email address listed above. Thank you for your prompt attention to this request
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a motorcycle through a local dealership of a Yamaha product. The loan was originally financed through XXXX XXXX. They did an excellent job servicing my loan. At some point late in XXXX or early XXXX Yamaha Motor Finance purchased all Yamaha based loans from XXXX XXXX  with NO NOTICE at any time to customers including myself. I set my account up on Auto Pay in XX/XX/XXXX and have never changed my auto pay nor was I alerted to any changes. I have confirmed through the original deal that Yamaha Motor Finance does not service these loans they bought back from XXXX XXXX  but instead sub-contract the servicing to a company call XXXX. Again, to this day XXXX have never received any notices, documents or other information from Yamaha Motor Finance OR XXXX XXXX   Servicing. I only noticed that my XXXX XXXX  loan was closed out earlier this year and then saw the Yamaha Motor Finance account opened. Since my credit bureau remained in good standing with no issues and I remained on Auto Pay I was not concerned. In XX/XX/XXXX I sold the motorcycle I had financed through the dealership I purchased from and they had immense issues paying off the loan since the only loan number available was XXXX XXXX  's original loan number and Yamaha Motor Finance didn't finance in house and XXXX was unable to locate the loan. Regardless, the loan was paid in Full. I recently received notice on XXXX XXXX of a " past due '' outstanding balance and a letter from Yamaha stating I owe {$40.00}. Attached is a screenshot of my XXXX XXXX account showing NO LATE PAYS. I also called Yamaha Motor Finance last week who advised my account balance is zero and they have no record of my owing {$40.00} or any means for me to pay such. 

The erroneous reporting to the Credit Bureaus has impacted my credit with an almost 100 point reduction and that is unacceptable. I set my account up for Auto Pay at the initiation of the loan, for the 1st of the month, with XXXX XXXX. .It automatically transferred when the loan was purchased by Yamaha and, again, I received absolutely no transfer information, request for new auto pay set up or any other notices. In talking with Yamaha Motor Finance they insist it was set up on the 3rd of the month which is ridiculous and would have made my account late every month this year. Clearly, per my screenshot, it has never been reported late. The hit to my credit bureau did not happen until after the motorcycle was paid off.

This account is paid in full and has been for more than 30 days. There is no balance outstanding, per Yamaha Motor Finance, and they are incorrectly reporting a negative and drastically impacting my score and I am not the only consumer experiencing this issue. The local dealership, XXXX XXXX, has been contacted by numerous clients who are experiencing the same issues as I am. This is a not an isolated incident and their unfair and erroneous practices are ruining my credit.
Product: Credit card or prepaid card

I had two credit card with Citibank. One ended in XXXX and the other ended in XXXX. In XX/XX/XXXX I mistakenly paid money onto XXXX that should have gone on XXXX. I received a phone call late at night from a Citibank employee with a thick accent telling me I was late in a payment. The phone call got disconnected. That person made no attempt to call me back. I had to call Citibank late at night when I had to get up at XXXX XXXX to be at work by XXXX. I am XXXX XXXX XXXX!!!! I was on the phone for hours trying to get someone to just move the money onto the correct card. I finally got someone and they assured me that they would do it. 

The next day I called to see if it had been done. No! I called Citibank repeatedly to confirm that people were doing what they said they would do. 

It has been A MESS!!!!!!! No one follows through at Citibank! 

I finally closed the card ending in XXXX. You must pay it to a {$0.00} balance, which I did. I also pointed out that per my XXXX online banking account that I no longer saw XXXX but that the card now ended in XXXX. I was told by a Citibank supervisor that I was wrong. Citibank could not change a card number. XXXX XXXX had to have done something wrong and to call them. Etc. I CLOSED THE ACCOUNT ENDING IN XXXX OR XXXX HOWEVER YOU LOOK AT IT WITH A {$0.00} BALANCE. 

Because no one ever moved the money over that should have been moved per numerous phone calls starting in XX/XX/XXXX someone at Citibank said I owed {$800.00}. It was still supposed to be put on my card ending XXXX so an entry level Citibank employee gave me a 12 month promo. I began to make payments even though the initial statement was inflated. Then the next statement was a negative number. The next statement I owed money. A continued to make payments not really being sure if the amount was accurate. I was still getting up at XXXX XXXX to be at work by XXXX XXXX. When the statement again was a negative number, I JUST CLOSED XXXX TO GET OFF THE ROLLER COASTER AND NOT MAKE ANY MORE PAYMENTS WHEN I KNEW THE COMPUTER SYSTEM WITH CITIBANK IS A MESS. I felt somehow somewhere we were even and I could be done with Citibank. 

BUT NO!!!!! XX/XX/XXXX I GET AN EMAIL REGARDING ACCOUNT ENDING XXXX ( WHICH I WAS TOLD COULD NOT EXIST ... BUT NOW IT DOES!!!!! ) AND IT HAS {$1600.00} ON IT. THIS IS CRAZY. HOW DOES AN ACCOUNT CHANGE NUMBERS WITHOUT MY AUTHORIZATION??? AND IT HAS {$1600.00} IN IT THAT I AM TOLD I OWE. 

I talked with XXXX XXXX XXXX yesterday. She is upholding that Citibank could not have done anything wrong in an account ending in XXXX suddenly becoming XXXX. She insists I owe the money on it. But XXXX has been closed!!!!! 

She is going to get back to me in two weeks. However I have called her three times today requesting all computer print outs involving XXXX ( XXXX??? ) and XXXX. I have not heard back from her today confirming she will send me the information I am requesting. 

How can I trust anyone in Citibank????
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted FTC and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15.  XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I left my employer XXXX XXXX  XXXX in XX/XX/XXXX and closed my American Express corporate card ( to my knowledge ). In XX/XX/XXXX of this year I receive calls from very aggressive debt collectors telling me that I have a balance on my corporate card. That rather then sending me a letter I should immediately pay by phone. 

I assume this is a scam and I hang up. 
Then in the mail I receive a letter asking for {$140.00}. They claim I made a purchase at something called XXXX in XXXX of XXXX. 


Obviously I didnt. How did this charge go through? Why was I not sent a bill ( I was still an Amex customer. ) Why was I called by an aggressive debt collector. I called them and after being passed to 5 different people its potentially resolved but I have not received in writing that it is or that my card is actually closed ( does the card come with lifetime liability? )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Client Name, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I want the following fraudelent, unauthorized inquiries removed.I have included the inquiries and identity theft report atatchment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I received a new copy of my credit report a XXXX  ago and I checked that I had an account credit card account opened without my knowledge. XXXX XXXX  put an Account Review Inquiry on my XXXX Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( Truist Bank XXXX ), and has violated several of my rights.

15 USC 1681 section 602 A. clearly states the I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

select portfolio servicing mortgage has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this select portfolio services and it has negatively effected my credit score i want this removed
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX