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

Citi closed all XXXX of my personal credit cards without any communication on XX/XX/2022. I realized this fact when I randomly checked my spending in citi mobile app. I was so shocked. Called the customer service but they refused to provide any reason why they did this to me. I was told to wait for physical mail notification and that would provide the reason why Citi closed my accounts. I received the physical letter on XX/XX/2022 ( see one of them as attached ), but no reason was provided. I immediately wrote back to request the exact reason why they closed all XXXX personal credit cards, as instructed in the letter. However, I never heard back from Citi after two weeks. Citi refused to told me what happened in the phone. I spent so much effort trying to figured out what happened but they never got back to me. I also lost all the reward points due to account closure. The estimate value were XXXX XXXXXXXX dollars. I request Citi reopen my account and reactivate all my reward points they owed to me, and refund my Citi premier annual fee because I wasn't able to use my benefits due to account closure.
Product: Debt collection

I toke out a loan in XX/XX/2016 with Ace Cash Express in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX & XXXX XXXX ),  my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ XXXX ext XXXX and then {$1700.00} amount from XXXX with XXXX. I looked on Ace Cash express website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXXXX/XX/XXXX has been rude, threatening, and has harassed my family regarding a personal matter.
Product: Debt collection

XXXX charged off and closed a credit card account XX/XX/XXXX. Since then it has been sent to collections three times. It was sent XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX.The collection agency that has this account is XXXX XXXX. The collection agency has re-aged this account according to the original creditor 's date of first delinquency. The credit card account has also been closed and charged off. XXXX XXXX continues to increase the amount owed stating that interest is accruing. The amount has increased from {$720.00} to {$1000.00} to {$1100.00} and now {$1700.00}.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from Transunion and XXXX. 

XXXX did corrected few items from my report but no action from Transunion and XXXX. 

There is almost XXXX point credit score difference between XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months. 

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that you did not have my consent.

Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. 
already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX  {$970.00}
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
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 XXXXXXXX, 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 1666B : States 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

To Who it may Concern : I have contacted XXXX XXXX, Experian, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, Experian showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Product: Debt collection

A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 2022 paid down credit card still hasnt reported since XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes ; last dispute on XX/XX/2019. I submitted evidence that original creditor no longer have information regarding account being disputed. Equifax continues to report account as verified and note date inaccurate DATE FIRST MAJOR DELINQUENCY REPORTED. Company continues to report unverified inaccurate information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Request for Debt Verification and Removal of Closed Credit Card Account XXXX XXXX  XXXX, I am writing to formally request verification of several closed credit card account that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or unverifiable information reported on my credit file. 
Account Details : Creditor Name : XXXX XXXX  and XXXX XXXX XXXX, XXXX ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ) Account Number ( Last 4 Digits ) : XXXX Credit Report Showing the Account : XXXX, XXXX, XXXX Reason for Dispute : These account was closed and should no longer be reported as an outstanding or delinquent debt. 
I have not received sufficient proof verifying the accuracy of these accounts reporting. 
Under the FCRA Section 609, I am requesting documentation that confirms the validity and correct reporting of these account. 
Requested Action : XXXX. Verification of the account Provide documentation confirming that these credit card account is being reported accurately, including its closure status, final balance ( if any ), and payment history. 
XXXX. Removal of the account If this account can not be verified, I request its immediate deletion from my credit report. 
XXXX. Correction of any inaccuracies If there are errors in the reporting of this account, I request that they be corrected immediately. 
Per the Fair Credit Reporting Act, I expect an investigation and response within 30 days. If you can not verify this account with the requested documentation, it must be removed from my credit report. 
Please provide me with a written statement confirming the resolution of this matter. If this request is not addressed properly, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

I went to a  XXXX   XXXX  in Hawaii and paid the {$30.00} copay under my plan. They billed me for an additional {$20.00} after the insurance company paid. This ended up being an error on the part of  XXXX  and they 've sent the outstanding balance to a collection agency  - Transworld Systems ,  Inc.  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , PA  XXXX  -  XXXX . I spoke with my benefits department and they called  XXXX   XXXX  and  XXXX   XXXX  who confirmed it was billed incorrectly. I am concerned this is going to show up on my credit report as a bad debt when  one w as never owed.
Product: Debt collection

In accordance with the Fair Credit Reporting act Autovest LLC violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

This auto loan is consistently updating inaccurate information. 

No payment history has been made. No payment information was made once I redeemed the auto. They have not updated information and keep reporting as of year of loss. I'm requesting the removal of this merchant from all credit bureaus as it is n ot reflecting the accurate information under the FCRA, FTC and I submitted all documents to credit bureaus with my driver 's license and SS card for accuracy and reporting on XX/XX/2024.
Product: Debt collection

I received a notification that I have been turned to collections by XXXX XXXX XXXX for unpaid accounts. I did not open the accounts and have been a victim of Identity theft. I have disputed the accounts withe XXXX.
Product: Credit reporting

I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Equifax, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX EMPLOYER - QUICK TEST
Product: Vehicle loan or lease

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX requesting to have the accountant prepare and file FEDERAL TAX FORM 1099 OID to cover the eligible issues and forensic accounting, corresponding to FinCEN Form 101, " Suspicious activity report '' for the alleged vehicle loan. As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX informing the XXXX that the claim of {$23000.00} is DISPUTED since no response was received. 

XXXX XXXX XXXX of GM Financial was also informed that I'm more than willing to settle any financial obligation I might rightfully owe, as soon as I have received 5 specific pieces of documentary evidence to validate the alleged debt owed. ( Please see attachments ) As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, I received a letter dated XXXX 2021 from GM Financial Title Notice Of DEFAULT , RIGHT TO CURE, AND INTENT TO ACCELERATE, which I found to be very threatening, abusive, obscene and profane language and intimidating consequences to coerce payment of the alleged debt which has not been validated in accordance with FDCPA & FCRA. ( Please see attachments ) Such correspondence is direct violation to 15 USC 1692d ( 1 ), ( 2 ), and ( 4 ). Then there's also violations to 15 USC 1692e ( 2 ) ( A ), ( 4 ), ( 5 ), ( 6 ) ( A ) ( B ) and ( 11 ) for failing to disclose that the communication is from a debt collector. Each stated above violation carries a civil liability of {$1000.00}. 

As of today, XXXX XXXX XXXX of GM Financial has not provided me with any requested validated documentary evidence of proof of the alleged debt. Such action or lack thereof is a direct violation of 15 USC 1692g ( a ) ( 1-5 ) ( Please see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, XXXX, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. Experian and XXXX are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Product: Debt collection

States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX
Product: Credit reporting or other personal consumer reports

Debt with XXXX XXXX XXXX XXXX XXXX, principal remaining balance around {$24000.00}. XXXX used the identifying tokens " XXXX '', " XXXX '', and " XXXX ''. I defaulted in approximately XXXX. I started paying on the loan to a 3rd party debt collector the same year and have kept paying until XXXX when collectors stopped contacting me and I could not contact them. 
XXXX reports the debts that seem to match as " {$0.00} '' balance and transferred, but collectors are contacting me again. The information on all XXXX credit reports XXXX, Experian, and XXXX appear to be incorrect, and there is no other information showing that I have been paying dutifully for many years. 
I can no longer ascertain from a credit report or a contact from a 3rd party debt collector who if anyone owns this debt and whether I have paid it all or not. I believe that all " XXXX '' listed debts are inaccurate on my credit report at this time except for one showing the partial account number " XXXX '' which I have been paying on regularly through the present to XXXX XXXX 
Because I can no longer ascertain if there is a valid debt owner and I am sure that I have paid the principal balance at this point XXXX years after taking the loans out, and I can not determine how the 3rd party debt collectors found my information, I dispute all " XXXX '' debts listed on my credit reports except as described above with the XXXX account " XXXX '' which has a balance of under {$6000.00} at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter today dated XXXX from TDD Retail Card Services regarding an application under an incorrect name with my personal home address, and likely my SSN. 

The fraudster is usuing my address, my first name with my mother maiden name. my mother is deceased. The fraudster had recently also used this name to try and collect unemployment benefits from XXXX. I have filed with them separately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax : XXXX XXXX XXXX  This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. I was never late on this account. But there is a late payment reporting for XX/XX/year>. 

enclosures ( 1 ) Drivers Licenses ( 2 ) Tax Statement showing address ( XXXX XXXX XXXX XXXX XXXX XXXX showing address ( 4 ) Statement from XXXX XXXX  showing address
Product: Vehicle loan or lease

XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount. 

XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days. 

XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. 

Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct. 

Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account? 

XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from XXXX ( file # XXXX ) that someone had tried to open a credit card account through Capital One. I talked to XXXX ( pathetic answering system, but that is another story ) and set up a fraud alert, etc. I then contacted Capital One to obtain more information and they could not find anything using my Soc. Sec. number. address, phone #, etc. So I do not have any information regarding possible location, person, etc. 

A couple of years previously I have had problems with XXXX opening an account in my name. Also, someone tried to use my XXXX XXXX in Florida - I live in the XXXX and never go to Florida. Finally someone in Florida charged my Visa but I managed to have that cancelled. I complained to the Florida government department and they did not do anything.