23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked the collection agency XXXX XXXX to provide me the original debt they obtained, payment history of original debt. my authorized signature and new contract they signed with the original debt company over 90 days ago and they haven't provided me anything. The original debt company had a tax break and they no longer appear on my credit report so the collection agency needs to provide me information how and when they purchased the original amount and the information notated above and they still have yet to provide me anything.
Product: Debt collection

I was late on my XX/XX/2018 & XX/XX/2018 car payments. Spoke with XXXX & XXXX on multiple occasions. Told XXXX someone would be making a payment for me, she was rude and asking who is this person and why are they making a payment for you. I told her that he would make half the payment and I would make the other half. XXXX then told me I had until XXXX XXXX  to make the payment, she continued to call my job repeatedly thru out the days, then started to yell at me that this is their loan and I need to get it paid. I had to have my manager call her and tell her to stop calling my job. I then went to the XXXX to make a payment and she told me that I needed a bar code. I waited for the office to open and called to get the bar-cade, I spoke with XXXX. XXXX then sent the text and I told him the store was around the corner and I would go pay it. XXXX then called back an hour later to tell me I had not made the payment and said " we will hold this until XXXX XXXX  the that's it ''. I returned XXXX 's call and he said I stated that I would pay in the next few minutes. I then told XXXX I never said that, I am at work and can not go out until my lunch break, he then began to get loud and tell me I had until XXXX to make the payment. I made the payment and am now seeking to take out a loan and pay the car off and never deal with this company again. I have been a great customer for over a year and half and have never been treated so horribly by a company representative like this in my life. It's amazing how they are so sweet when I am paying my car note 2-3 weeks early and the one time I fall on hard times they turn nasty.
Product: Credit card

This is a complaint about Citis handling of my dispute with them. I placed a dispute with them within the allowed time window for a dispute to be made. The representative told me that I need to wait for citi to reach out if they needed more info. 

Citi failed to send me a letter requesting additional info on time, and closed out my dispute. I called to reopen it, and was told that it shouldnt be an issue since I didnt receive the letter notice. I provided them all of the relevant info about the claim, and it kept getting closed because too much time had passed. 

They retroactively added the letter in my documents tab on the online banking portal AFTER closing my dispute, backdating it to when it was supposed to be sent out as a way to cover their tracks. I want to stress that this letter did not exist in my documents tab prior to them closing my dispute the first time for failure to provide them with additional info. 

The dispute was filed on time, closed by Citi due to me not responding to a letter that they themselves failed to send out, and any attempt at reopening this dispute has been met with the same canned response saying too much time has passed. 

These are counterfeit goods. I cant get a refund from the merchant. I have every right to be able to chargeback this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX XXXX XXXX  XXXX XXXX, delete also the duplicate entry on this account
Product: Mortgage

On XX/XX/2021, I received a final notice from loan depot regarding my proof of insurance. Loan depot kept asking me for proof of insurance for my townhouse for the duration from XX/XX/2021 to XX/XX/2021. Otherwise they will purchase insurance for me for {$230.00}. 

However, I and my insurance company, already provided my proof of insurance multiple times. I am with the same company for 4 years, and I have continues insurance with the same insurance company. I provided the proof of the insurance at the beginning of the year when I refinanced with loan depot, and subsequently provided proof of insurance multiple times, and spoke with their customer service people multiple times to point of their errors. They still failed to correct it. 

Also, how do they purchase insurance for a time period in the past?
Product: Credit card or prepaid card

I received a bill from Ginnys and under a certain amount owed amount ( {$100.00} ), the payment is suppose to be {$10.00}. The bill I received says I owe {$20.00} due by XX/XX/2022. The balance I owe is less than {$100.00}, at {$81.00} so my payment should be {$10.00} per month until paid off. The billing payment schedule says the same thing, is balance is under {$100.00}, then monthly payments are ten dollars per month, ( see attachments ). When I called to speak with a rep in the credit department about it, all I got was rudeness, and indifference, ( poor customer service ), what a bad way to treat customers. I ask the rep in the credit department to close the account effective immediately as I won't do business with a company that doesn't honor it's payment agreements with customers. i have been paying ten dollars a month as " required '' for the past two months or so, and I am not behind and my account is current, never been late with a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody
Product: Credit reporting, credit repair services, or other personal consumer reports

Recent complaint ID : XXXX Equifax Information Services LLC Hi , Thank you for your response to my complaint submitted through the CFPB Complaint Portal. I appreciate the completion of your investigation regarding the inaccurate items on my credit file. However, after reviewing the results you provided, I am still concerned about the presence of these disputed items on my credit report. 
In your response, you mentioned that adverse accounts that have been paid in full will be automatically deleted seven years from the date of the first delinquency. I would like to clarify that the disputed items in question were not paid in full and should be removed from my credit report based on their inaccurate reporting. 

Regarding the accounts where additional information was provided from the original source, I kindly request that you provide me with the specific details and supporting documentation that substantiate the accuracy of these items. It is crucial for me to review this information to ensure the validity of the reported data. 

Furthermore, the non-reporting disputes you mentioned indicate that the disputed items are not currently reported on my Equifax credit file. In light of this information, I request that these items be completely removed from my credit report to ensure its accuracy and fairness. 

I would appreciate your prompt attention to this matter and a comprehensive resolution to remove all disputed items from my credit report. Please provide me with a detailed response and any necessary actions I need to take to ensure the removal of these inaccuracies. 

Thank you for your cooperation and prompt assistance in this matter. 

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

My student loans were paid in full by the Biden-Harris administration . This still reflects on my credit report as owing. 
XXXX XXXX Department of Education XXXX ) balance forgiven {$98000.00}
Product: Credit card

I noticed my credit card was declined on Sunday, XX/XX/XXXX, while attempting to purchase groceries. I called my bank, Bank of America, on XX/XX/XXXX, to inquire. I paid the past due minimum balance of {$35.00}. The restriction on my credit card has not been released and I am unable to complete purchases for groceries ( FOOD ). I am also complaining about Bank of America 's unreasonable delays in responding to phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that 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 any written instructions.
Product: Debt collection

XX/XX/XXXX, I owed Home Depot for a credit line of {$1400.00}. By XX/XX/XXXX, I paid the amount off in full as my last payment was {$250.00}. After making all payments, The Home Depot sold account number XXXX to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX obtained a judgment against me in XXXX County, Kansas court XXXX. During that time, I made additional payments by check not aware this was regarding my Home Depot Account ending in XXXX. XX/XX/XXXX, I sold my home and the {$2300.00} judgement was held back from my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid XXXX as they also collected money on an account they never should had purchased from Home Depot. I 've been writing and requesting for the return and interest as XXXX XXXX XXXX and XXXX refuse to resolve my claim.
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XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account name : 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 XXXXXX/XX/XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Citi has added multiple duplicate Citi Flex plans to my credit card account on my XX/XX/XXXX and XX/XX/XXXX statements that I never requested. They were duplicates of plans that I started paying on back in XXXX. I have now paid off the original plans and Citi essentially started them over and is trying to make me pay them again. Citi flex plans XXXX on my XX/XX/XXXX statement are all duplicates which they have now applied my last payment towards as a first installment. That money should have gone towards my regular balance, not another flex plan. I will attach the XXXX statement showing when the plans were first initiated and then my XXXX and XXXX statements to show when duplicate plans were added. I have had multiple calls with an accounts specialist in Arizona named XXXX, but she has now stopped calling me back. They screwed up my XXXX statement so bad I can't even understand what they did or why. This has caused me great distress and anxiety that I should not have had to deal with. I've always been a customer that pays off the full monthly balance when due. They have provided no help or resolution in this matter. My XX/XX/XXXX balance should be lower by {$5300.00} and any funds applied toward those duplicate plans 10-14 plans should be refunded.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am unaware of them, and the company did this without my approval.
Product: Credit card or prepaid card

Discover has a policy that when you make a payment on your credit card, even a minimum payment on the card, if you have a bucket of the balance at a 0 % promo interest rate, and another bucket of the balance at an interest rate being charged, the principal portion of your payment goes towards the bucket that is being charged a 0 % interest and not the bucket being charged interest. I talked to Discover about this about 3 weeks ago and they informed me that this is their policy which from my understanding of regulations, any principle portion of a credit card payment should go towards the balance being charged the higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting an incorrect account, incorrect account number, a missing field of XXXX- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I tried to retrieve my original contract with santander to get my accurate balance
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA XXXXection 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX  Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

This account is with Progressive which shows the original creditor as   XXXX   XXXX  . I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had health insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Progressive has the account.