23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Billing Error Notice and Request for Resolution - XXXX XXXX - ENDING IN XXXX To : Ally Bank Customer Service Date : XXXX XXXX XXXX  Subject : Billing Errors, Missing Funds, and Disclosures - [ Account Number ] Dear Ally Bank, I am writing to formally notify you of multiple billing errors and missing information associated with my account, [ Account Number ]. Despite the fact that my account is being traded as a security, I have not received any proceeds. Additionally, each monthly billing statement contains errors regarding the amount owed and the proceeds reflected. 

Further compounding the issue, I have never received the Certificate of Indebtedness for my vehicle financed through Ally Bank. This document is crucial for my records and should have been provided upon loan origination. 

Therefore, I demand immediate resolution to the following concerns : Missing Proceeds : Please investigate and credit my account for all proceeds due from the trading of my security. Please provide clear documentation detailing the calculations and amounts. 
Billing Errors : Correct all inaccuracies in my monthly billing statements regarding the amount owed and the proceeds reflected. 
Missing Certificate of Indebtedness : Issue and send me a certified copy of the Certificate of Indebtedness for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all missing disclosures immediately. 

I expect a prompt and comprehensive response to this matter. Please contact me within [ Number ] business days at [ Phone Number ] or [ Email Address ] to discuss further and confirm the resolution timeline. Additionally, please confirm that certified funds will be sent to the provided address to compensate for the missing proceeds. 

If this issue is not resolved to my satisfaction within a reasonable timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for the Citi AAdvantage Platinum Select card through the XXXX XXXX website because they offered a {$250.00} statement credit on XXXX XXXX purchases if approved for card when applying on XXXX XXXX website. I called Citi bank on XX/XX/XXXX to see if I will get the credit before I booked a {$270.00} flight with the card. The representative said she put in a request for me to get the credit and it was a guarantee that I would get the {$250.00} credit and it will show up on my bill before my first payment was due ( XX/XX/XXXX ). Because the representative said I would get the {$250.00} credit, I booked the flight shortly after our conversation. Since then, I have spoken to numerous representatives from Citi on the phone and received 2 letters in the mail saying my account is in fact, NOT eligible for the {$250.00} credit. Now that my credit card bill is due 2 days from now ( on XX/XX/XXXX ), I am paying {$250.00} more than I was expecting to pay because of the misinformation given to me. My buying the flight was contingent on getting a {$250.00} statement credit so had the representative told me the correct information in the first place that I was not eligible or that it was just a possibility, I would have done something different with my money when buying the flight and in the mean time. Now, I have a bill that I was not expecting to pay and can not afford because I was told I would absolutely, 100 % get the credit. I have spoken to many people from Citi and XXXX XXXX about this and they have not helped me. The representative from XXXX XXXX said that because I was told I would get the credit, they would honor what they said and give it to me and I still have been denied it. I am very unhappy that I was told the wrong information and now I have to pay a very large bill because of the employees at Citi.
Product: Payday loan, title loan, or personal loan

This company charges over 500 % interest per annum ... Iowa 's cap is 36 %.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX XXXX and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Product: Credit card

I have a continuing issue with Citibank. My original complaint # XXXX was disputed numerous times and closed without any resolution. Now I continue to receive collection notices from Citibank. The first Collection Agency was the XXXX XXXX XXXX which I sent a letter to on XXXX/XXXX/2017, disputed the account with and notified the credit agency that I was a victim of identity theft. I was told they would not contact me again. Then, Citibank changed the Collection Agency to a different company named XXXX XXXX XXXX XXXX to continue harassment regarding the identity theft. Then when I disputed the file again with Citibank, I was sent a letter that stated " So we can continue our investigation, please provide the following : The enclosed Declaration of Fraudulent Charges completed and signed by you and anyone authorized to use this card. If we do not receive a response from you within 15 days from the date of this letter we will complete our investigation with the information available. The letter is dated XXXX XXXX, 2017, today is XXXX XXXX, 2017. THERE IS NO DECLARATION OF FRAUDULENT CHARGES ENCLOSED IN THE ENVELOPE TO RESPOND TO AND NO PHONE NUMBER GIVEN. I just confirmed with CFPB at XXXX that the account has already been closed. The deceitful practices of Citibank must be stopped. HOW ARE YOU SUPPOSED TO RESPOND WITH NO DOCUMENTATION ENCLOSED TO RESPOND TO. ALSO, CITIBANK PUT THE IDENTITY THEFT ACCOUNTS IN COLLECTION WITH XXXX AFTER I REQUESTED THEM BY MAIL AND PHONE THAT I AM A VICTIM OF IDENTITY THEFT AND AFTER I DISPUTED WITH THE COLLECTION COMPANY INFORMING THEM I WAS A VICTIM OF IDENTITY THEFT, I WAS TOLD THEY WOULD NOT CONTACT ME ANYMORE. CITIBANK THEN, CHANGED COLLECTION AGENCIES TO XXXX
Product: Debt collection

I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Money transfer, virtual currency, or money service

I was robbed through mobile wallet as accounts
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXX XXXX XX/XX/XXXX {$190.00} KOVO INC  XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts or inquires reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED/XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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: Debt collection

I am very upset with Barclays Bank Delaware 's actions. They have a mess in their reporting. They don't even know what is happening in the account, but I will explain what is happening : Barclays is reporting discrepancies across bureaus, they have failed to investigate my case or contact me to clarify my doubts after I called and emailed many times to their customer service department. 

This is how they have been changing their reporting : XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX. 
XX/XX/XXXX report : Late payment reported in XX/XX/XXXX Now : Corrected, which is what I am asking for. 

XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX XX/XX/XXXX report : Late payments reported in XXXX, XX/XX/XXXX Now : Late payment reported in XX/XX/XXXX The account is the following : Barcalys credit card : XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, limit {$17000.00}. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc ). My credit sore has dropped due to all the crazy changes that Barclays has been doing on this account. All I am asking is to get the late payment that is reported in XX/XX/XXXX in XXXX to be corrected, I demand no late payments to be reported in this account or to get the entire account removed from all three credit bureaus. I already have sent letters to Barclays and they didn't even mark the account as disputed.

Please send the attach proof to Barclays. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I had a loan that was being serviced by XXXX XXXX. In XX/XX/XXXX they paid XXXX XXXX out of my escrow account {$4400.00}. I secured a new policy with XXXX XXXX in XX/XX/XXXX for {$3700.00}. Since XXXX had paid XXXX, I paid XXXX XXXX Directly and cancelled the XXXX policy who sent the refund to me. I kept the refund from XXXX because I paid XXXX XXXX and knew that it would all balance in the end. XXXX was listed as the Mortgage company on the XXXX XXXX Policy so I assumed that XXXX XXXX sent XXXX a copy. When the XXXX XXXX policy renewed XX/XX/XXXX XXXX XXXX was paid again by drafting my Checking account. 
But XXXX placed force coverage with XXXX XXXX XXXX XXXX from XX/XX/XXXX until they sent the request for the coverage to be cancelled XX/XX/XXXX. We became aware of this when I received a letter from Shellpoint that they have placed force coverage on my home. I called Shellpoint and asked why did not XXXX send over the XXXX XXXX policy when the loan was transferred. They said they did not know but if I have insurance, they will remove the forced place insurance when I send the proof. Which I did XX/XX/XXXX. Then I asked my wife do we have any mail from XXXX she handed me the letters from XXXX requesting the cancellation of lender-placed insurance to XXXX XXXX XXXX. I tried to call XXXX and got a message that said that they are no-longer accepting phone calls since they have sold all their assets. I then called XXXX XXXX XXXX XXXX and after speaking with them I forward all the proof of home coverage to them. They said that they would resend the coverage and send they refund to XXXX. I asked why you would do that ; if they are closed and transferred my loan to Shellpoint Mortgage. They basically said that who placed the insurance and that is who the refund would go to. I called Shellpoint again about this and was told that I had to take it up with XXXX. I tried to explain to them that the letter said they would be able to answer all my questions after XX/XX/XXXX. I have attached a copy of that letter for your records. I am concerned because we are talking about {$3300.00} refund that should go back to my escrow account since it was paid out of my escrow account. I have attached a copy of the last statement from XXXX that shows the escrow account was for taxes and insurance and that they were paying the lender-place coverage each month in the amount of {$330.00}. ( I am attaching a copy of the XX/XX/XXXX statement ). I believe that someone needs to make me whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 ) ( 1 ) 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

On XX/XX/2020 XXXX  received a letter from me informing them to update my personal information. They have yet to do so.as this information is not deliverable or reportable per FCRA. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX is in violation of my fed consumer rights 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against Experian :   XXXX  /2017- Sent a letter disputing inaccurate/ unrecognizable information from my credit report Never Received a response  XXXX /2017- Sent another letter to follow up and asking for immediate removal of information as my request was ignored.     Still no response.     To this date,  XXXX   XXXX ,  2017 , I still have not received a response from Experian
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX