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

I have a debt of about XXXX $ with Citibank Bestbuy Card. I live in XXXX. Until recently, for the last 4 years, I was always able to pay the monthly payment online. Now, I am not allowed to log in to my online account on their website unless I provide a US-based phone number. I do not have a US phone number because I live in XXXX. I have tried many many times to call Citibank to resolve the situation to be able to log in to see my account and pay my bill. They will never even let me have any information or pay the bill unless I have a US phone number. Recently, on a trip to Colorado during XXXX, I attempted to pay the debt off at a Bestbuy store in person. The store said they would only take a cash payment. I didn't have that much in USD so I paid about XXXX XXXX I did not get an email receipt for the payment from Citi or bestbuy and I have no idea if the payment was even credited. They won't mail a paper copy of the statement to an overseas address. I have contacted them via email to inform that I can not pay the bill because they won't make it possible to do that from overseas with no US phone number and I can not see any information about my account by any means. I have provided them with my XXXX address and my XXXX phone number but they have not taken action to contact me or responded to any of my attempts to contact them. They have stated they will call me back, during their hours, when I am asleep, but I still need a US phone number to access information, visually, on my account. 

It almost seems like they don't want me to be able to pay my debt. Perhaps they are hoping the account will gain a larger balance due to ever-increasing late fees. I have documented every communication I have had with Citibank via XXXX XXXX  and email.
Product: Student loan

Logged into Comenity Bank 's online profile on XX/XX/XXXX to request payoff of balance on educational loan. System generated the payoff with the good through date. I did not take a photo of the screen when the data loaded because I had already received the email notifications of me adding in my bank account, submitting the payoff payment. The account was fully credited on XX/XX/XXXX with the payoff in full payment. Balance updated to {$0.00}. New finance charges were charged on XX/XX/XXXX which were after the paid in full payment and zero balance and billing statement closed date. It is beyond extremely difficult to get a representative on the phone, much less one that can truly understand and communicate effectively. They do not listen to what you are asking of them. I have recorded conversations of my calls with proof of a representative laughing at me when asked for them to credit their fraudulent charges and transfer me to a Supervisor. This company engages in underhanded and deceptive tactics with consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX   XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Student loan

I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.
Product: Debt collection

I sent a request to validate that a debt on my report is accurate with West Central Texas Collection Bureau for account number XXXX reporting on my XXXX  report. The company responded without providing any validation or proof that the debt is legally mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$7700.00} Late Payment XXXX XXXX XXXXXXXX - {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file 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 delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This account from att verse was removed from my experian credit report in XX/XX/year> it was reported by sequium solutions and they removed as this was not my account. Now trueaccord collection agency is now reporting this on my transunion credit report. Please have them remove as this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Student loan

I reached out via phone, email, and customer service messenger for my chain of title documents on my loan, as well as my fathers parent + loan. Over the phone the very nice lady told me they would get it to me in XXXX business days, which never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX XXXX  does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in Trans Unions records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Product: Debt collection

Received a debt collection notice by mail dated XXXX XXXX, 2024 Reference number XXXX Notice stated in writing there was no interest, no fees but when logged on to their site to pay, the amount was {$490.00} greater with no explanation.
Product: Credit reporting or other personal consumer reports

I had multiple Hard credit checks that were fraudulently ran. 
I never authorized multiple hard credit checks and for the ones I recognize they were only supposed to be soft credit checks not hard inquiries. 
Experian is refusing to allow me to dispute them for fraud because they said its not associated with identity theft because I a disputing that they were not authorized as hard checks but rather soft inquiries. Also some were made in error and when calling the companies involved they had no issue with having them removed and informed me to initiate the dispute to dispute them with Experian to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been a victim of Identity theft and have been trying to resolve this problem with XXXX AND BANK OF AMERICA. I have submitted more than enough evidence to have this fraudulent account removed from both parties. None of these companies have resolved my issue and have violated my rights under the Fair credit reporting act and the Fair credit billing act. I have submitted complaints with the federal trade commission and my local police department regarding my concerns. I have sent them everything that is required by law to remove any fraudulent account and they have ignored my request.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Subject : Complaint Against Experian for Furnishing Fraudulent Information Due to Identity Theft Resulting from XXXX XXXX XXXX ( XXXX ) To Whom It May Concern, I am writing to file a formal complaint against Experian for mishandling my credit report and furnishing fraudulent information as a result of identity theft. I am a victim of identity theft, and my personal information was exposed during the XXXX data breach in XXXX. Despite my efforts to address and resolve this issue, Experian has continued to allow fraudulent information to appear on my credit report and has failed to follow the legal requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, regarding identity theft. 

Identity Theft Details : My name is XXXX XXXX, and I am the victim of identity theft. The breach of my personal data in the XXXX breach of XXXX exposed sensitive information that was subsequently used by fraudsters to open accounts in my name. As a direct result of this, my credit report from Experian now contains inaccurate, fraudulent information. 

Violation of FCRA Section 605B : According to Section 605B of the Fair Credit Reporting Act, when a consumer disputes information on their credit report due to identity theft, the credit reporting agency ( Experian in this case ) is required to remove the fraudulent information within 4 days of receiving the identity theft dispute. Despite notifying Experian of the fraudulent entries on my credit report, the company has failed to comply with this legal obligation, continuing to report the disputed, inaccurate information and causing me financial harm.

Request for Immediate Action : I am requesting that the CFPB investigate Experian for failing to properly handle my identity theft dispute and for allowing fraudulent information to remain on my credit report. The actions of Experian are in violation of the protections afforded to me under FCRA Section 605XXXX. I am seeking the immediate removal of all fraudulent accounts and information associated with my name from my credit report.

Additionally, I request that Experian be held accountable for any damage caused to my credit score, financial reputation, and overall well-being due to the continued presence of this inaccurate information.

Conclusion : As a victim of identity theft, I am entitled to a prompt resolution under the law, and Experians failure to act appropriately violates my rights. I respectfully ask that the CFPB investigate this matter and ensure that Experian complies with the legal standards set forth in the FCRA. 

Thank you for your attention to this matter. Please feel free to contact me should you require any additional information or documentation regarding this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

To Whom It May Concern : I.C. SYSTEM, INC with account number XXXX I disputed with the collection agency and they said they don't have record of this account. My right to privacy has been violated. I do not consent to you storing my personal information. I did not give any written consent to furnish anything on my consumer report. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information according to my consumer rights found in 15 usc 1692g. 

-Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
-The agreement bearing my signature stating that I have agreed to assume the debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations in Georgia has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed -Proof that you are licensed to collect in Georgia ; and -Your license numbers and Registered Agent or Agent of Service. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.
Product: Credit card

on XX/XX/2024 Citi, cancelled 3 of my credit cards i have had with them. Citi XXXX XXXX XXXX, Best Buy and Home depot. Stating they have found evidence i have cannabis related income. The card i am most concerned with is the Citi Platinum card. I have had that card for over 12 years with many increases to my credit amount. I have never had a late payment on this card or any other cards, I have a perfect payment history on all my credit. In XXXX I noticed my card had been closed from my app. I called them and asked why, and the person I spoke with said that was odd, they had never seen a card get closed with that good of pay history and credit line. Back in XXXX I had used my card to put remodeling materials on my card. I received a letter about a week later letting me know it was close and an email address to request why. So i sent an email to them and within 30 days i received a letter stating that due to the fact that I had cannabis related income they were going to close the account. This left a {$40000.00} balance. With them closing my account my credit score went down due to owing more than my available balance. I made the XXXX minimum payment of {$1300.00} and sent them an email to ask for a rate modification since it was no longer a credit card, and should not have the interest rate a credit card does. NO ANSWER, In XXXX my minimum payment was higher that XXXX 's. I paid it, then in XXXX the payment was even higher, and I paid it and then again in XXXX the payment was {$1500.00} I paid it..I then sent a letter instead of an email on XX/XX/XXXX requesting the modification and no payments would be sent. since then I have received no response. On XX/XX/XXXX I received a call from the collection department asking for the payment, I explained everything to the lady on the phone and she said she could not change the interest rate that was another department. I was transferred and told that in order to change the rate I would have to request to reopen the account. I also explained to her that I have an investment in the XXXX  industry in XXXX  however my main source of income is from a XXXX dealership I own. I also told her I had no problem repaying the loan, but it should be modified as a loan and not a credit card. She made the request to reopen the card and said i would receive an answer in 6-10 days, I received an email dated XX/XX/XXXX that since my account had been closed too long they couldnt reopen. ( why did the lady that work there tell me this is what they had to do, knowing it had been closed since XXXX ). This is not right to close an account then charge more interest.
Product: Money transfer, virtual currency, or money service

I had my account closed with no reason why and I couldnt get ahold of customer service.
Product: Student loan

I took out my loans in college, in XXXX. I entered repayment and have been paying on them since. The balance is as follows : {$XXXX} XXXX loan {$XXXX} in XXXX  {$XXXX} XXXX loan {$XXXX} in XXXX  {$XXXX} XXXX loan : {$XXXX} in XXXX  I had to file XXXX  at XXXX point in XXXX and wasnt allowed to include my loans, because they were student loans. I had to live through XXXX XXXX, to XXXX, and now MOHELA but have no relief. I have paid these off twice over yet still owe more than I borrowed. These are private student loans so I keep not getting any settlement or relief. I dont know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting addresses that do not belong to me please fix right away!